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 of $100 or more with interest over time. That way you can easily manage your business’s cash flow and keep all your payments in one place.

How It Works

Purchase

Make key purchases now knowing you can pay over time. Purchases of $100 or more 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 It Can Help Businesses Like Yours

Would You Like to Use Pay Over Time?

Estimate your interest charges.

Input the amount you would like to Pay Over Time

Input the number of days you would like to revolve a balance

Select the APR that applies to your account^¤

Prime Rate + 10.99%

Prime Rate + 14.99%

Prime Rate + 18.99%

^¤APR is assigned based on your creditworthiness and other factors determined at the time of account opening.

$0.00

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

* We assign a Pay Over Time limit to your account. The amount you can Pay Over Time is subject to the Pay Over Time Limit assigned to your account. We will not place any charge into your Pay Over Time balance if it would cause your Pay Over Time balance to go over your Pay Over Time Limit. If you are a Card Member, your Pay Over Time Limit is shown on page 1 of your statement. We may increase or reduce your Pay Over Time Limit. We may do so even if you pay on time and your Account is not in default. We will tell you if we change that amount. You must pay in full all charges that are not placed into a Pay Over Time balance.

** The amount of interest you are charged is subject to change. We charge interest on transactions placed in the Pay Over Time Balance beginning on their transaction date until they are paid. However, we will not charge interest on these transactions during a billing period if:
• your Pay Over Time Previous Balance for the billing period is zero; or
• you paid the Account Total Previous Balance for each of the previous two billing periods in full by the closing date shown on their respective statements.

We calculate interest for a billing period by first calculating interest on each Pay Over Time balance. Pay Over Time balances may have different interest rates. We use the Average Daily Balance method (including new transactions) to calculate interest charges for each balance. The total interest charged for a billing period is the sum of the interest charged on each balance.

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, eligible¹ purchases of $100 or more are 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.

Which purchases are eligible for Pay Over Time?

Most purchases of $100 or more are eligible for Pay Over Time. Ineligible charges include gift cards and cash equivalents, insurance premiums, casinos and gambling transactions, American Express annual membership fees, and other transactions designated by us¹.

How do I use Pay Over Time?

Pay Over Time is a feature on applicable Business Cards, so there’s nothing you need to do to enroll into this feature. As you make purchases, eligible charges of $100 or more will be placed into your Pay Over Time balance up to your Pay Over Time Limit. When you go to make a payment at the end of your billing period, you can decide to pay the statement balance in full, or the minimum amount due or any amount in between with interest. You will only pay interest on charges you choose to pay over time.

What if I don't want to use Pay Over Time?

If you don’t want to use Pay Over Time you can pay your statement balance in full each month, or you can turn this feature off by managing your settings within your mobile app, your online account or by calling the number on the back of your Card.

I have a Personal Card that has Pay Over Time as well. Does Pay Over Time on my Business Account work the same way as it does on my Personal Account?

Pay Over Time is a feature that is available for eligible Personal and Small Business Card Members. However, the Pay Over Time feature for your Small Business Card works slightly differently than your Personal Card.

Some of the differences include:

• You may have a different Pay Over Time Limit, different eligible minimum purchase amounts, or different Annual Percentage Rates.

• Your Small Business Card will have the feature set to On, whereas you may need to activate the feature on your Personal Card.

• Pay It Plan It is currently not available for Small Business Cards.

What are the benefits of Pay Over Time?

Pay Over Time gives you more flexibility to help manage any large or unexpected business expenses that may come your way. It can come in handy for managing slow-paying customers, ramping up for a busy season, taking advantage of discounts when buying in bulk, and much more. You’ll continue to enjoy the same Card benefits on your purchases, such as Membership Rewards®²points and services such as fraud protection.

Will I earn Membership Rewards points on charges I pay over time?

If you are enrolled in a Membership Rewards²program, your ability to earn points will not be impacted by how you choose to pay. You will receive points for your total statement balance as long as you pay the minimum payment by your due date. Paying over time will not postpone your ability to earn those rewards.

What are my payment options?

Each month, you can pay your statement balance in full without interest, or you can pay the minimum amount due or any amount in between with interest. All charges not included in your Pay Over Time balance must be paid in full.

When does interest apply and what is my APR?

You will only be charged interest on the amount you choose to pay over time. You can find your APR on your mobile app, online account or on your billing statement. Your APR for purchases is based on your Experian³ FICO score and payment history.

How do I pay my statement balance in full using Autopay?

If you would like to pay in full and avoid interest charges, please ensure your Autopay payment option is set to “Total New Balance”.

Is there a limit to how much I can pay over time, and where can I find this information?

A Pay Over Time Limit is the maximum amount you can pay over time. You can find your Limit on your mobile app, online account or on your billing statement. Any charge that would cause your balance to exceed your Pay Over Time Limit will be due in full.

Does Pay Over Time affect how much I can spend on my Card?

No, having Pay Over Time does not impact how much you can spend on your Card. Your Card continues to have No Preset Spending Limit unless communicated to you otherwise.*

*No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adjusts based on factors such as your purchase, payment, and credit history.

How long can I pay over time?

There is no time limit to how long you can revolve, as long as you pay the minimum payment by your due date.

¹ Eligible Charges: A charge made by you or any additional Card Member on your account is eligible to be paid over time if it is equal to or more than $100 and is approved by us. The following types of charges are ineligible for the Pay Over Time option: Cash and Express Cash, American Express® Travelers Cheques and other cash equivalents, certain insurance premiums, casinos and other gambling transactions, any fees owed to American Express except foreign transaction fees, and other transactions designated by us.

Pay Over Time settings: The Pay Over Time option on your account is initially set to On. When set to On, eligible charges will be automatically placed in your Pay Over Time balance. You may alternate between On and Off settings. When turned Off, no new charges will be included in your Pay Over Time balance. You can change this setting by visiting your online account, your mobile app, or by calling the number on the back of your Card.

Interest on your Pay Over Time balance: If you don’t pay your account Total New Balance in full by the payment due date, you will be charged interest on any unpaid portion of the Pay Over Time balance. If you’re carrying a Pay Over Time balance from your last billing period, you will be charged interest on new eligible charges starting from the transaction date. If you pay your account Total New Balance in full by the payment due date each month, you will not be charged interest on charges that are automatically added to your Pay Over Time balance. You must pay at least the Minimum Payment Due by the Payment Due Date each month to keep your account in good standing. The Minimum Payment Due includes all Pay in Full charges, any interest accrued on your account and a portion of your Pay Over Time balance.

Pay Over Time Limit: We assign a Pay Over Time Limit to your account. Your Pay Over Time Limit is the amount you may carry as a balance. We will not place any charge into a Pay Over Time balance if it causes your Pay Over Time balance to go over your Pay Over Time Limit. Any charges that would cause the total balance to exceed your Pay Over Time Limit will be due in full. We may increase or decrease the amount of your Pay Over Time Limit and will tell you if we change that amount. Your Pay Over Limit may be different than the total amount you are allowed to spend on your Card.

²Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo.

³Your Pay Over Time APR is typically based on your Experian Credit Score, however, in some instances your Transunion Credit Score will be used.