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Pay Over Time for Businesses 

More Time to Pay.

More Chances to Grow.

Make the purchases you need today. Manage your payments with Pay Over Time.


From a rainy day to a bright idea, confidently face your business expenses with your Card’s built-in payment flexibility. 


With the Pay Over Time option, you can pay eligible purchases1 with interest over time. That way you can easily manage your business’s cash flow and keep all your payments in one place.


Click here for information on Pay Over Time on your personal card

How It Works



Make key purchases now knowing you can pay over time. Eligible purchases are automatically moved into your Pay Over Time balance each month.

Pay Now or Later


Pay in full each month, pay the Minimum Due, or pay any amount in between. You’ll only pay interest charges when you carry a balance.

Earn Rewards


If your account is enrolled in the Membership Rewards® program, your ability to earn points doesn’t change. You will still earn points for your total balance upon paying at least the Minimum Due by your due date.²

Flexibility at Your Fingertips

Meet multiple kinds of business expenses with time on your side.


Delayed Supplier Payments


Fluctuating Cash Flow


Bulk Purchases


Seasonal Business


Surprise Expenses


Technology Investments

How Pay Over Time can help a business like yours


Would You Like to Use Pay Over Time?

Estimate your interest charges.

Select the APR that applies to your account¤

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Estimated interest due for revolving an average daily balance of $0 for 0 days**

Frequently Asked Questions

What is Pay Over Time?

Pay Over Time is a feature on applicable Business Cards that gives you the option to take more time to pay for your purchases, with interest. With Pay Over Time, eligible purchasesare placed into a Pay Over Time balance within your account. 


Cards applicable for Pay Over Time include: Business Centurion, Business Platinum, Business Gold, Business Gold Rewards, Classic Business Gold, Business Green Rewards, Business Green, Executive Business, Small Business and Business Purchase Account Cards.