For all your plans –
home improvement or building your business.
Meet Plan It® - the American Express® Installment Program.
What is Plan It®?
Plan It is a feature on your American Express® Card which allows you to pay for your purchases over time through equal monthly installments, tailored to fit your needs.
Plan It provides flexibility and control, so you can buy now and pay later while taking the guess work out of your payments.
With Plan It, you have the unique opportunity to choose how you want to pay.
Whether you’re looking to plan one specific purchase, or an eligible amount from your
most recent statement, take advantage of added control over your payments.
Pick one purchase from your most recent charges or recent statement to place into a plan for 3, 6 or 12 months for a fixed monthly fee1. Eligible purchases must be a minimum of $100.
Example:
Let’s say you purchase a flight and would like to pay that purchase off over time. With Plan It, you’ll be able to fly now, and pay off your flight in equal monthly installments that fit within your travel budget.
For added flexibility, you can pay down a portion of your most recent statement balance over time. Eligible plans must be a minimum of $100. Spend with confidence knowing you can control your payments with Plan It.
Example:
Let’s say you’re planning an unforgettable vacation. You recently booked all flights, accommodations and activities. Costs can add up fast, but you can use Plan It to choose an eligible portion of your most recent statement balance to pay over time – making this trip not only memorable, but a manageable one too!
Is my Card eligible?
SimplyCash® Card from American Express
SimplyCash® Preferred Card from American Express
American Express® Green Card
American Express Cobalt® Card
American Express® Gold Rewards Card
American Express EssentialTM Card
Marriott Bonvoy® American Express®* Card
American Express® Aeroplan®* Reserve Card
American Express® Aeroplan®* Business Reserve Card
American Express Business EdgeTM Card
American Express® Business Card
Marriott Bonvoy® Business American Express®* Card
Why choose Plan It®?
Fixed monthly fee
With Plan It, enjoy a fixed monthly fee. You’ll know just how much you'll pay each month — see what your American Express installment plan could be with the Plan It calculator.
Predictable payments
Pay down your purchases over 3, 6 or 12 months.
No additional application or credit checks required
Simply log in to your Online Services account or mobile app to create a plan.
All the rewards
As long as you continue to make your minimum monthly payments on time, earn rewards on your American Express Card as usual while you space out your payments.
What can I use Plan It® for?
For purchases both large and small, use Plan It to find the payment flexibility and control you need to take you closer to
your goals. A buy now, pay later approach, choose Plan It for your personal or small business expenses.
For your personal expenses
Make a plan for…
Your forever home
Renovations and upgrades, your forever home awaits. Let a Plan It installment plan help you get there.
A bucket list vacation
Your next big adventure is one plan away. Pay down a well-deserved trip in equal monthly installments, for a fixed monthly fee1.
Your cap and gown
Your cap and gown are only a few steps away. Invest in your education now and pay off all expenses over time.
Everyday and unexpected expenses
Life can be unpredictable, but with Plan It, your payments don’t have to be. Payment installments allow you to manage your finances all in one place.
And much more.
For your business expenses
Make a plan for…
Managing your cash flow
Get more lead time on business expenses with greater control.
Upgrade your office
Pay off new equipment or software at your own pace.
Stocking up
Bulk up your seasonal inventory while maintaining cash flow for your business.
Scaling up
Invest in new marketing materials using a feature already available on your Card.
And much more.
Setting up a plan is easy
Set up your plan in just a few steps.
Choose a purchase or an amount.
Select from 3 plan options that works for you.
Review and confirm.
If you choose to plan an amount, simply type in an amount and you pick a plan option based on your balance and account history2. Review and confirm – you’re set!
When you enrol in a plan with Plan It, your credit Card statement might look a little different.
We’re here to help you understand these changes. Learn about my statement
Enter an amount to see what monthly plan options might be available on your Card. The monthly fee listed in the calculator is calculated at 0.94% of the Principal Amount1. The calculator is an illustrative tool only. Plan options and fees specific to your Card will be presented to you when you create a plan.
3 months
6 months
12 months
You can Plan on It
No application, no additional enrolment. Plan It® is a feature available on eligible American Express Cards.
Discover all the lending options that American Express has to offer you!
Looking for other ways to help with your borrowing needs? American Express offers a variety of different lending solutions designed to help you take control of your finances.
Want to know more about setting up a Plan It® installment plan? Visit our Plan It FAQs.
1. When you create an installment plan, you will be charged a monthly installment fee. The monthly installment fee percentage will be disclosed to you during plan creation. This is not a promotional or special rate offer. The fee charged is comparable to the interest you would have paid if you carried this balance on your account, without being in an installment plan. Please see the Plan It (American Express Installment Program) section in your Cardmember Agreement or the Program Terms and Conditions for more details. Plan It is currently not available in Quebec, Nova Scotia, PEI or Nunavut.
2. Your ability to create each new installment plan will depend on an assessment of eligibility made at the time you seek to create an installment plan. In order to create a new installment plan, your account must be in good standing and you must have a minimum $100 purchase or statement balance on your eligible card. Any transactions related to funds advances and balances at special rates of interest will not be eligible unless we make a special offer to you. We may also limit or otherwise restrict your ability to participate in the installment program based on your account's available credit or for any other reason.