Buy Now, Pay Later with Plan It® by American Express


Pay in monthly installments to help stay in control for

whatever comes your way.


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Buy now, pay later with plan it

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

Plan It is a payment option that provides added flexibility and is built right into American Express® Personal Cards.

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

It’s easy to use– select the plan length that works for you.

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 Now, 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 a plan option that works for you, and see exactly 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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*You will be offered 1-3 plan duration options. The plan duration options can vary based on a variety of factors such as the purchase amount, your account history, and your creditworthiness. If you are enrolled in an intro or promotional APR, you may see limited plan duration options during the intro or promotional period when you use Plan It on your account.­

What makes Plan It different?


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

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

American Express also helps you manage your everyday expenses by quickly paying small purchase amounts and still earn rewards the way you usually do with Pay It in the American Express® App.


See full Pay It terms below.

Don't live life without it

Explore the many ways we have your back.




Choose a Card with rewards that match your lifestyle. Earn points, cash back or partner rewards.


Card Acceptance


American Express can now be accepted at 99% of places in the US that accept credit cards. Based on Feb 2021 Nilson Report.


Amex Offers


Amex Offers rewards you at places you like to shop, dine, travel, and more.


Intro Offer

Blue Cash Everyday® Card


Buy Now, Pay Later Intro Plan It Fee Offer


Enjoy $0 Introductory Plan It fees on plans created during the first 15 months after account opening. For plans created after that, a plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors will apply.¤1

Plus, enjoy the following Card benefits:


No annual fee¤

0% intro APR on purchases for 15 months from the date of account opening, then a variable APR, 13.99% to 23.99%¤

Unlimited 1% cash back on purchases in the form of Reward Dollars that can be redeemed as a statement credit.+

Earn $200 back after you spend $2,000 in purchases on your new Card in your first 6 months. You will receive the $200 back in the form of a statement credit.†


Want to know more about Plan It?