Buy now, pay later with plan it

Split up large purchases into equal monthly installments with a fixed fee, plus still earn rewards on purchases the way you usually do. ‡

Plan It is a payment option that provides added flexibility and is built right into your Card.

A fixed monthly fee is shown upfront, so you’ll know exactly how much you’ll pay each month.

It’s easy to use– choose from one of the avaliable plan lengths.

See full Plan It terms below. ‡ 

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Choose Plan It at checkout when booking your next trip.

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Book your flight now and pay later when selecting Plan It at checkout on You have the flexibility of paying for purchases of $100 or more in equal monthly payments with a fixed fee. You’ll still earn rewards the way you usually do on your American Express Card. Terms Apply.

Three easy steps to use Plan It‡ in your online account or the American Express® App:

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Select a purchase of $100 or more to put into a plan.

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Select from one of the avaliable plan options and know how much you'll pay each month.

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Review and confirm. The monthly plan payment is automatically included in the Minimum Payment Due each month.

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What makes Plan It different?


Unlike the major online installment programs, Plan It is built into your American Express® Card.

See how the benefits of Plan It compare.

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Join the millions of Card Members who have created a plan.

Explore your options before making a purchase using our Plan It Calculator.

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Pay it

Pay It®‡  lets you tap in the American Express® App‡  to quickly pay for small purchase amounts throughout the month and still earn rewards on purchases the way you usually do. 


See full Pay It terms below. ‡

Don't live life without it

Download the American Express App and start using Plan It & Pay It today.

Frequently asked questions