Plan It® by American Express
Available on delta.com
and the Fly Delta app
Pay for your Delta flight in monthly installments when you use your eligible American Express Card.
Book now, pay later when you use Plan It while booking a flight on delta.com and the Fly Delta app. Just select your eligible American Express Card at checkout to split up your Delta flight of $100 or more into monthly installments with a fixed fee.
You'll still earn rewards the way you usually do on purchases you plan. Terms Apply.
To pay for your Delta flight with Plan It,
just follow these 3 easy steps:
1. Use Plan It at Checkout
When paying for your flight, choose your
American Express Card and simply select ‘Monthly Installments with Plan It’ in the payment section.
2. Choose Your Monthly Plan
Choose the plan length that works for you from
one of the available options and see upfront exactly
how much you'll pay each month.
3. Make Monthly Payments
Your monthly Plan It payment will be
added to the Minimum Payment Due on
your American Express Card Statement.
Track the progress of your plan through
your American Express account.
Head to delta.com and search for a flight to get started.
Have a question?
Plan It gives eligible American Express U.S. Personal Card Members the flexibility of paying for purchases of $100 or more over a fixed time, in equal monthly payments, by placing them into a plan. Instead of a purchase APR, each plan is subject to a plan fee, paid over the duration of the plan.
Card Members can plan a purchase on delta.com and/or the Fly Delta app for your initial flight booking. If eligible, the plan options will be shown to you during checkout.
Card Members can review Plan It FAQs online at americanexpress.com/planit.
At delta.com, choose your flight as you usually do and at checkout, you will be offered 1–3 plan duration options after adding or selecting your eligible American Express Card from your wallet. The plan duration options can vary based on a variety of factors such as the purchase amount, your account history, and your creditworthiness.
When you check out using Plan It, your purchase with Delta will be automatically placed into a payment plan, 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. Your plan will typically be set up on your Account within 48 hours of the purchase but may take up to 5 days. If Delta submits your purchase as multiple separate amounts you will have multiple plans created on your account.
Plan It is only available at checkout when booking a flight on delta.com and the Fly Delta app, and is not available for purchases of seat upgrades after initial flight booking or for Delta Gift Cards, Delta Sky Club memberships or any other options available for purchase on delta.com. Plan It is available on your eligible American Express Card for purchases of $100 or more. Plan It can be combined with Miles redemption at checkout only if the remaining balance of your purchase after Miles redemption is $100 or more.
If you upgrade your flight during your initial purchase check out, your upgrade will be included within your plan. If you decide to upgrade your flight after initial booking, your upgrade will not be added to your original plan.
If the upgrade purchase is $100 or more, you may be able to create a new plan by logging on to your American Express account after your transaction has posted.
Trip cancellations do not cancel any plans you may have setup.
If you cancel your trip with Delta and receive a refund back to your American Express Card, you must request to have the amount applied to your active plan. Once you see the credit on your account, please call the number on the back of your Card and speak with a Plan It Specialist to apply the amount to the plan balance.
If the trip was courtesy cancelled within 24 hours of booking, and the charge was never billed to your American Express account, the plan will not be created. You will only see an active plan when the transaction posts to your account.
To use Plan It at Delta checkout, you must be an eligible American Express Card Member. You do not have to have a SkyMiles account or be logged into your SkyMiles account to create a plan but must use your American Express card to complete your purchase.
Plan It is available on Personal 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. Your ability to use Plan It at checkout will be based on a variety of factors such as your creditworthiness and your Credit Limit or Pay Over Time Limit, as applicable.
Plan It at checkout is only available for American Express Personal Card Members. But, if you apply and are approved for a Personal Card today, you don’t necessarily have to wait for your Card in the mail. You can apply now and get a decision in as little as 30 seconds. If approved and eligible, you may be able to use your temporary Card number right away to use Plan It at delta.com and the Fly Delta app during checkout. You can apply for a Delta SkyMiles® American Express Card here.
Yes, if you pay for your purchase on delta.com with Plan It, you'll have access to the same benefits and protections you usually do through American Express. Learn More.
The plan fee is a fixed fee you'll pay each month when you have an outstanding balance in a plan.
Personal Card products with a Credit Limit, including Delta SkyMiles® Cards
Your monthly plan fee is a percentage of each purchase amount moved into a plan that is based on the plan duration, the APR that would otherwise apply to the purchase, and other factors. For planned purchases, you'll be charged the plan fee each month instead of interest.
Personal Card products with Pay Over Time
For purchase amounts in a Pay Over Time balance: Your monthly fee is a percentage of each purchase amount moved into a plan that is based on the plan duration, the APR that would otherwise apply to the purchase amount, and other factors.
Personal Card products with Pay In Full
For purchase amounts in a Pay In Full balance: Your monthly fee is a percentage of each purchase amount moved into a plan that is based on the plan duration, the APR that applies to the Pay Over Time feature at the time you create the plan, and other factors.
The monthly Plan Payment Due, which is the total of your monthly plan payments on all plans, is automatically included in the Minimum Payment Due each month. You must pay your Minimum Payment Due by the Payment Due Date listed on your billing statement.
Plan It is available at checkout on delta.com and the Fly Delta app. You may also be able to plan your purchase by logging on to your American Express account after your transaction has posted to your account.
Need Assistance? Give us a call using the number on the back of your Card.
Terms and Conditions
Monthly Installments with Plan It® by American Express
Delta flight purchases that are $100 or more may be eligible for Plan It at checkout on delta.com. Plan It is not available at checkout after initial flight purchase for other purchases or upgrades such as post purchase seat upgrades. Plan It cannot be used at checkout for Delta Vacations® packages and Delta Sky Club® memberships. Plan It can be combined with Miles redemption at checkout only if the remaining balance of your purchase after Miles redemption is $100 or more. If you check out using Plan It, your purchase with Delta Air Lines will be automatically placed into a payment plan, 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. Your plan will typically be set up on your Account within 48 hours of the purchase but may take up to 5 days. If the merchant submits your purchase as multiple separate amounts you will have multiple plans created on your Account.
At checkout, 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. If you are enrolled in an intro or promotional APR, you may see limited plan duration options during the intro or promotional period when you use Plan It on your Account. If you create a plan during an introductory or promotional APR period, your plan fee will be based on the introductory or promotional APR as long as the plan is created before 11:59pm MST on the last day of the introductory or promotional period. After a plan is paid in full, it will be removed from your Account in the next billing period.
Your ability to use Plan It at checkout 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. We 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. We will not be able to create plans if at the time the plan is requested or at the time the plan is set up on your Account, your Pay Over Time feature is suspended or your Account is canceled. We will also not be able to create plans if, at the time the plan is requested or at the time the plan is set up on your Account, 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.
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.
Learn more about Plan It: americanexpress.com/planit