See full Plan It terms below.
Choose a qualifying purchase of $100 or more to plan.
Select a plan option that works for you, and see exactly how much you’ll pay each month.*
Review and confirm. The monthly plan payment is automatically included in the Minimum Payment Due each month.
*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 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.
Using the American Express App, tap a qualifying purchase under $100 to Pay It.
Complete a payment for the selected amount to reduce your balance.
Your payment will post within 24‑36 hours.
Choose a Card with rewards that match your lifestyle. Earn points, cash back or partner rewards.
Stay in the know with exclusive access to ticket presales‡ and Card Member‑only events. Check out Broadway shows and concert tours, family and sporting events, and more.‡
When you use your Card, it’s nice to know that theft, accidental damage and sometimes loss can be covered by Purchase Protection◆ up to 120 days* from purchase on your Card, up to $1,000 an item ($10,000 for certain Cards) and $50,000 a year per Card account. Please read important exclusions and restrictions.Find a Card
◆ ‡ * Benefit Terms
Enjoy $0 intro plan fees for a limited time
$0 intro plan fee on each plan created during the first 15 months. For plans created after that, your plan fee will be up to 1.18% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.¤1
Plus, enjoy the following:
No annual fee¤
0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 15.24% to 26.24%.¤
Unlimited 1.5% cash back on purchases in the form of Reward Dollars that can be redeemed as a statement credit.+
Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months of Card Membership. You will receive the $150 back in the form of a statement credit.†
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 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 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.
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.