Flexible Payment Option

Flexibility to meet your business needs.

 With Flexible Payment Option on your Card, you’re ready for when business needs to adapt.

One Card.

Multiple payment options.

See how it works:

 

From pivoting in the moment to planning for tomorrow, your Card has payment options for when you need them with the ability to pay off a portion of your Card balance over time with Flexible Payment Option.1 Plus, you can take advantage of the suite of additional benefits that come with your Card.

 

Take on multiple kinds of business expenses with built-in flexibility:

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Sun showers or snowstorms

Be ready for business seasonality and the busiest times of the year by managing your cash flow, your way.

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Surprises or slowdowns

You’ve got options to navigate unexpected expenses or delayed customer payments.

Man and woman moving table

Stocking up or shaping up

You can meet many kinds of business expenses - from bulk purchases to renovations - with the power to pay over time.

No paperwork required!

Flexible Payment Option is on your Card and can be ready to use:

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Use your Card

 

Take advantage of your No Pre-set Spending Limit1 and up to 55 interest-free days on your Card.2 Plus, use your Card on purchases to maximize your Membership Rewards® potential3 – and put more back into your business. 

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Review your Card statement

 

Once your statement arrives, it will summarize all your expenses and outline your minimum payment due.

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Repay your way

 

You can choose to:

  • pay your total New Balance,
  • the Minimum Amount Due,
  • or any amount in between.

You’ll find all the information you need to use Flexible Payment Option at your fingertips.

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Here’s how to get started:
 

  1. Login to your Online Services account.

    To view your Flexible Payment Option Limit amount, simply select ‘Balance Details’ on your account dashboard. This is the total amount you can choose to repay over time.

    Don’t have an online account yet? Sign up now

  2. When it’s time to pay your monthly Card statement, you have payment options available to give your business more flexibility.

  3. Select ‘Make Payment’ to pay the Minimum Amount Due, New Balance, or any amount in between.

    If you choose to pay less than your New Balance and pay an amount over time, interest will apply. You can continue to pay an amount over time for as long as you need, as long as you pay the Minimum Amount Due each month.

It’s that easy!

Plus, you can also securely access Flexible Payment Option through the American Express® App.

Questions? We’ve got answers!

Don't do business without it