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Plane Ticket
$42230
PAY IT 
PLAN IT

Pay Your Way with Pay It Plan It®

More ways to make payments with added flexibility.1

Start taking advantage of Pay It Plan It today.
Get Started
Plan It

Split up large purchases over time for a fixed monthly fee and no interest charges.

  • Choose up to 10 purchases of $100 or more to combine into a plan. You can have up to 10 active plans at a time.
  • A fixed monthly fee is shown upfront so you know exactly how much you’ll pay each month—see what your plan could be with the Plan It Calculator.
  • Earn rewards on your Card for Plan It purchase amounts in the same way you would for other purchases.

See full Plan It terms below.

Living Room Upgrade Plan
$1,09300
BOOKSHELF
$219
SOFA
$765
RUG
$109
PAY IT 
PLAN IT
See how Plan It works
1

Choose up to 10 purchases of $100 or more to combine into the plan.

2

Select a plan option that works for you, and see exactly how much you’ll pay each month.*

3

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

Know your options before you make a purchase with the Plan It Calculator.

*You will be offered 1–3 plan duration options for a qualifying purchase. The plan duration options can vary based on a variety of factors such as the purchase amount, your account history, and your creditworthiness.

Pay It

Quickly pay off small purchase amounts and still earn rewards.

Pay It lets you lower your balance by making small payments under $100 throughout the month in the American Express® App. Plus, still earn rewards on your Card.

See full Pay It terms below.

Headphones
$4999
PAY IT 
PLAN IT
See how Pay It works
1

Using the American Express App, tap a qualifying purchase under $100 to Pay It.

2

Complete a payment for the selected amount to reduce your balance.

3

Your payment will post within 24‑36 hours.

PAY IT 
PLAN IT
$3900
Blender
Blender TV Potted Plant Camera Pizza Guitar Yoga Mat Bike
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Download the American Express App and start using Pay It Plan It today.
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Frequently Asked Questions

Is my account eligible for Pay It Plan It?

Pay It Plan It is available on US Personal Credit Card accounts, excluding accounts with Pay over Time and Credit Card accounts that must be paid in full each month.

Certain accounts are not enrolled due to account status, Card type, or the date of the account opening. If your account is enrolled at a later date, you will receive a communication.

Prepaid Cards and products, American Express Corporate Cards, American Express Small Business Cards and American Express-branded Cards or account numbers issued by other financial institutions are not eligible for Pay It Plan It. Also, additional Card Members are not eligible for Pay It Plan It.

What purchases are eligible for Plan It?

You can plan purchases of $100 or more except for purchases of cash or cash equivalent, balance transfers, purchases subject to foreign transaction fees, or any fee owed to us. Only recent purchases posted to your account and purchases from your latest billing statement are eligible for Plan It.

What plan durations are available? I don’t see a plan duration that I want.

You will be offered 1-3 plan duration options for a qualifying purchase. The plan duration options can vary based on a variety of factors such as your creditworthiness, the purchase amount, and your Account history.

If your account is in an introductory or promotional period with a promotional APR, you may see limited duration options.

Can I know my plan fees and durations before making a large purchase?

If you have an eligible Card with the Plan It feature, you can use the Plan It Pre-Purchase Calculator to view the plan duration and plan fee options that could be available for a specific dollar amount prior to making a large purchase. To access the calculator, visit the Plan It hub on your online account.

The calculator is an illustrative tool only based on your current creditworthiness and other factors. Your actual plan options with the monthly plan payment and plan fees will be presented to you if you choose to create a plan.

If you don’t have an eligible Card with the Plan It feature, you can visit the public Pre-Purchase Calculator here to view the monthly payment plan options that could be available on the Card.

This calculator is also an illustrative tool only. It isn’t based on your personal creditworthiness or other factors. Your actual plan options and fees will be presented to you when you create a plan.

Will I pay interest on a plan?

No. Instead, you’ll pay a fixed monthly plan fee for the duration of your plan that will be disclosed upfront.

Can I change my plan duration once it's been set up?

You can't change the duration of a plan after it's been set up, but you can pay a billed plan early by paying the New Balance shown on your most recent billing statement in full. If you pay off a billed plan early, you won't incur any future plan fees on that plan.

If you pay the updated Total Balance on your account in full, you will pay off your entire balance including any newly created plans in your current billing period. You can view your updated Total Balance by logging into your online account, or by calling American Express at the number on the back of your Card.

Please keep in mind it takes 24-48 hours for your balance to update after creating a plan.

Can I cancel a plan?

You can’t cancel a plan after it’s been set up, but you can pay a billed plan early by paying the New Balance shown on your most recent billing statement in full. If you pay off a billed plan early, you won’t incur any future plan fees on that plan.

If you pay the updated Total Balance on your account in full, you will pay off your entire balance including any newly created plans in your current billing period. You can view your updated Total Balance by logging into your online account, or by calling American Express at the number on the back of your Card.

Please keep in mind it takes 24-48 hours for your balances to update after creating a plan.

When do I make my monthly plan payments?

The monthly Plan Payment Due, which is the total of your monthly plan payments on all plans, is automatically included in the Minimum Payment Due each month. You should pay your Minimum Payment Due by the Payment Due Date listed on your billing statement.

How will using Plan It affect my balance?

You’ll see an Adjusted Balance on your account whenever you have active plans. This amount includes your monthly Plan Payment Due and the billed, non-plan portion of your Remaining Statement Balance. It doesn’t include plan payments due in future months. If you pay the Adjusted Balance by your payment due date each month, you’ll avoid interest charges on purchases you haven’t planned. Any amount you pay above your Adjusted Balance will be applied towards your remaining plan balance.

Will Plan It increase my credit limit?

No. Setting up a plan won’t increase your credit limit. You can request a credit limit increase here.

How does Pay It work?

Pay It is a payment option that lets you reduce your balance by making small payments throughout the month in the American Express® App. To use it, simply select a posted transaction with a “Pay It” label, and follow the prompts to complete a payment for that amount. Payments are applied against your outstanding balance.

Terms & Conditions

1 Plan It

With Plan It® , you can create up to 10 active payment plans, each subject to a plan fee. The plan fee is a fixed finance charge that will be charged each month that the corresponding plan is active.

To create a plan, select qualifying purchases of $100 or more and a plan duration. You may select up to 10 qualifying purchases for each plan that you create in your American Express online Account. You may select only one qualifying purchase for each plan that you create in the American Express App. Plan duration options may vary depending on the total dollar amount of the qualifying purchases you move into a Plan. Qualifying purchases will be identified in your American Express online Account and American Express App. Qualifying purchases do not include purchases of cash or cash equivalents, purchases subject to Foreign Transaction Fees or any fee owed to us, including Annual Membership fees.

Your ability to create plans will be based on a variety of factors such as your creditworthiness or your credit limit. You will not be able to create plans if your Account is canceled. You will not be able to create plans if one or more of your American Express Accounts is enrolled into a debt management program, or has a payment that is returned unpaid, or is delinquent. The number and length of plan duration options offered to you, and the number of active plans you can have at a time, will be at our discretion and will be based on a variety of factors such as your creditworthiness, the purchase amount, and your Account history. After a plan is paid in full, it will be removed from your Account in the next billing period.

Plan It is available to Credit Card Accounts issued by a U.S. banking subsidiary of American Express, excluding Accounts with Pay Over Time and Credit Card Accounts that must be paid in full each month. Only the Basic Card Member or Authorized Account Manager(s) on the Account can create a plan. Prepaid Cards and products, American Express Corporate Cards, American Express Small Business Cards and American Express-branded Cards or Account numbers issued by other financial institutions are not eligible.

Pay It

Pay It® is only available in the American Express App® for your eligible Account. With the Pay It feature, you can make a payment equal to the amount of a billed purchase less than $100. Payments made with Pay It are not applied to that billed purchase but to your outstanding balance in accordance with how we apply payments.

Your account is eligible for Pay It if you are a Basic Card Member or Additional Card Member of a Credit Card account issued by a U.S. banking subsidiary of American Express that is not canceled. Prepaid Cards and products, American Express Charge Cards, American Express Corporate Cards, American Express Small Business Cards and American Express-branded cards or account numbers issued by other financial institutions are not eligible.