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More Options. More Control. More Flexibility with Pay Over Time.*

Life is full of big moments – and surprises. Whether you’re tackling car repairs, renovating your home office, or just looking for extra payment flexibility, Pay Over Time can help you manage what comes next.

How Pay Over Time Works

Find the Card that best fits your lifestyle

Pay Over Time is included as part of  your Card, so you can use it when you need to – and still earn rewards on those purchases.

Make purchases with your Card

Eligible charges will be automatically added to your Pay Over Time balance, up to your Pay Over Time Limit.**

Choose how you pay

When it’s time to pay your bill, you can pay your balance in full, the minimum due, or any amount in between. Balances may incur interest.

Pay Over Time Interest Calculator

Estimate potential interest charges. This is an illustrative tool only.

Select the applicable APR

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

Which Card is right for you? Select a Card to learn more.

Pay Over Time - Frequently Asked Questions

* Pay Over Time 

 

Eligible charges 

Purchases (including any associated foreign transaction fees) and Annual Membership Fees are eligible. The following types of charges are ineligible for Pay Over Time: Cash Advances, including cash and other cash equivalents, certain insurance premiums, and any other fees owed to American Express. If you have an Introductory APR, the rate applies to new eligible purchases (excluding Annual Membership Fees) made starting the day your Card is approved through the end of the introductory promotional period up to your Pay Over Time Limit.

 

Pay Over Time 

The Pay Over Time feature on your account has two settings: Active and Inactive. At Account opening, the Pay Over Time feature on your Account is set to Active. This means all eligible charges made on your account will automatically be added to your Pay Over Time balance. If the Pay Over Time feature is active at 8 p.m. Eastern Time on the transaction date provided by the merchant or on the date when an eligible Annual Membership Fee is charged to your Account, then we will automatically add the charge to your Pay Over Time balance. The transaction date provided by the merchant may differ from the date you made the purchase if, for example, there is a delay in the merchant submitting the transaction to us or if the merchant uses the shipping date as the transaction date. If the Pay Over Time feature is inactive at 8 p.m. Eastern Time, no new charges will be automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card.


Pay Over Time Limit
We assign a Pay Over Time Limit to your Account. The Pay Over Time Limit applies to the total of your Pay Over Time, Cash Advance, and Plan balances. Your Pay Over Time balance cannot exceed your Pay Over Time Limit. When there is a delay in posting cash advances or plans to your Account, the total of your Pay Over Time, Cash Advance, and Plan balances may exceed your Pay Over Time Limit. We may approve or decline a charge regardless of whether your card account balance exceeds or does not exceed your Pay Over Time Limit. This is not a spending limit. You must pay at least the Minimum Payment Due by the Payment Due Date each month. The Minimum Payment Due includes all charges that were not added to a Pay Over Time and/or Cash Advance or Plan balance plus a portion of your Pay Over Time and/or Cash Advance balance, any interest accrued, and any Plan Payment Due.


Interest on Your Pay Over Time Balance(s)
For charges added automatically to a Pay Over Time balance, we will charge interest beginning on the date of each charge. We will not charge interest on charges automatically added to your Pay Over Time balances if you pay the Account Total New Balance by the Payment Due Date each month. You must pay in full, by the Payment Due Date, all charges that are not added to a Pay Over Time, Cash Advance, or Plan balance. We will begin charging interest on cash advances on the transaction date.