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Pay at your own pace
with Plan ItSM

 

A new option that allows you to 
set up a monthly payment plan. 

Terms Apply1

 

 

 

 

 

 

 

Plan It allows you to place larger purchases
into a monthly payment plan.

 

 

Interest-Free

 

When you plan a purchase, you’ll pay a fixed monthly fee and no interest charges.

 

 

 

 

No Surprises

 

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

 

 

 

 

Earn Rewards

 

You’ll still earn rewards as you normally would.

 

 

How to use Plan It

Select a Transaction

 

Select the transaction you want to plan.

 

 

 

Select a Plan

 

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

 

 

Manage Your Plans

 

Your monthly plan payments are included in your monthly statement.

 

 

 

Start taking advantage of Plan It today.

 

 

 

 

 

 

Use Pay ItSM to quickly pay off small purchase amounts.

 

Pay It lets you reduce your balance by making small payments throughout the month in the Amex Mobile app. Terms Apply2

 

 

 

 

 

 

 

 

 

 

How To Use Pay It

 

Log in

 

Log-in to the Amex mobile app.

 

 

 

Select

 

Tap a small transaction from your Recent Charges.

 

 

 

 

Pay

 

Complete a payment for that amount to reduce your balance.

 

 

 

Log-in to the Amex Mobile app to start using Pay It today.

 

 

 

 

 

Frequently Asked Questions

 

 

Terms & Conditions

 

1 Plan ItSM

Plan It allows you to create up to 10 active payment plans for qualifying purchases of $100 or more, subject to a plan fee. This fee is a fixed finance charge that will be charged each month that a plan is active.

 

You may use this feature by selecting a qualifying purchase and a plan duration. Qualifying purchases will be identified in your American Express online Account or American Express® App for your eligible Account. 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 cancelled. 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 of plan durations 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, and at that time, you may be able to set up a new plan with an eligible purchase. 

 

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 select a qualifying purchase for Plan It. 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.

 

2 Pay ItSM

Pay It is only available in the American Express Mobile 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 cancelled.  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.