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Sofa
$87500
PLAN IT
PAY IT 

Pay Your Way with Pay It Plan It®

More ways to make payments with added flexibility.1

Take advantage of Pay It Plan It with an eligible American Express® Card.
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Plan It

Split up large purchases over time for a fixed monthly fee.

  • Pay off purchases of $100 or more over a set period of time.
  • A fixed monthly fee is shown upfront so you know exactly how much you’ll pay each month - see for yourself 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.

Train Ticket
$37500
PLAN IT
PAY IT 
See how Plan It works
1

Choose a qualifying purchase of $100 or more to 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.

*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 Amex Mobile app. Plus, still earn rewards on your Card.

See full Pay It terms below.

Headphones
$2999
PLAN IT
PAY IT 
See how Pay It works
1

Using the Amex Mobile 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.

PLAN IT
PAY IT 
$68900
TV
TV Potted Plant Camera Pizza Guitar Yoga Mat Bike Cooler
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Explore the Many Ways We Have Your Back

Rewards

Choose a Card with rewards that match your lifestyle. Earn points, cash back or partner rewards.

Early Ticket Access

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.

Purchase Protection

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.

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◆ ‡ * Benefit Terms

Want to know more? View the Pay It Plan It FAQs

Featured Offer

Cash Magnet Card

Get $0 plan fees for a limited time

Pay no fees on purchase amounts you plan and get 0% intro APR on purchases and balance transfers during your first 15 months of Card Membership.¤

Earn unlimited 1.5% cash back on purchases in the form of Reward Dollars that can be redeemed as a statement credit.

Earn $150 back in statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.

Plus, earn an additional $100 back in statement credit after you spend an additional $6,500 on purchases within your first 12 months.

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Terms & Conditions

1 Plan It

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

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.