See full Plan It terms below.
Select a purchase of $100 or more to put into a 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. 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‡2. Plus, still earn rewards on your Card.
See full Pay It terms below.
Using the American Express App, tap a qualifying purchase amount under $100.
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.
American Express can now be accepted at 99% of places in the US that accept credit cards. Based on Feb 2020 Nilson Report.
Amex Offers rewards you at places you like to shop, dine, travel, and more.Find a Card
Enjoy $0 Plan It Fees
Enjoy $0 Introductory Plan It fees for plans set up during the first 15 months from the date of account opening. For plans created after that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors. ¤
Plus, enjoy the following:
Cash back, no annual fee¤
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.†
0% intro APR on purchases for 15 months from the date of account opening, then a variable APR, 13.99% to 23.99%.¤
3% cash back at U.S. supermarkets on up to $6,000 per year in purchases,
2% at U.S. gas stations & select U.S.department stores,
1% on other purchases.✝
Cash back is received in the form of Reward Dollars, which can be redeemed as a statement credit.
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. If you have a Card with a Credit Limit, you can also select a qualifying amount of $100 or more and a plan duration. When creating a plan for purchases, you may select up to 10 qualifying purchases for each plan that you create in your American Express online Account. However, 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 (or qualifying amount, if you have a Card with a Credit Limit) you move into a Plan. Qualifying purchases will be identified in your American Express online Account and American Express App. Qualifying purchases (or a qualifying amount, if you have a Card with a Credit Limit) 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, and your Credit Limit or Pay Over Time Limit, as applicable. The Pay Over Time Limit applies to the total of your Pay Over Time, Cash Advance, and Plan balances. You may not be able to create a plan if it would cause you to exceed your Pay Over Time Limit or cause your Plan balance to exceed 95% of your Account Total New Balance on your last billing statement. You will not be able to create plans if your Pay Over Time feature is suspended or your Account is canceled. You will also not be able to create plans if one or more of your American Express Accounts is enrolled in a payment program, has a payment that is returned unpaid, or is past due. The number and length of plan duration options offered to you, the number of active plans you can have at a time, and your ability to include multiple qualifying purchases in a single plan, will be at our discretion and will be based on a variety of factors such as your creditworthiness, the purchase amount(s), 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 on Card Accounts issued by a U.S. banking subsidiary of American Express, excluding Accounts that do not have either a Credit Limit or the Pay Over Time feature. Only the Basic Card Member or Authorized Account Managers 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® 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 Card account issued by a U.S. banking subsidiary of American Express that is not canceled, excluding Accounts that do not have either a Credit Limit or the Pay Over Time feature. 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.
The American Express® App and app features are available only for eligible Card accounts in the United States. American Express® prepaid Cards and Cards issued by non-American Express issuers are not eligible. To log in, Card Members must have an American Express user ID and password or create one in the app.
‡ iOS and Android only. See app store listings for operating system info. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. App Store is a service mark of Apple Inc. Android, Google Play and the Google Play logo are trademarks of Google Inc.