Card Accounts
Business Accounts
Other Accounts and Payments
Personal Cards
Business Credit Cards
Corporate Programs
Gift Cards
Personal Savings
Personal Checking and Loans
Business Banking
Book And Manage Travel
Travel Inspiration
Business Travel
Benefits and Offers
Manage Membership
Business Services
Corporate Programs
Payment Products
Merchant Services
Card Accounts
Business Accounts
Other Accounts and Payments
Personal Cards
Business Credit Cards
Corporate Programs
Gift Cards
Personal Savings
Personal Checking and Loans
Business Banking
Book And Manage Travel
Travel Inspiration
Business Travel
Benefits and Offers
Manage Membership
Business Services
Corporate Programs
Payment Products
Merchant Services
Split up large purchases over time with a fixed monthly fee and no interest.
- Choose up to 10 purchases of $100 or more to combine into a plan in your online account, or select one purchase if using the American Express App.
- A fixed monthly fee is shown upfront so you know exactly how much you’ll pay each month—see how it works 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.
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.
Manage your everyday expenses by quickly paying 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 American Express® App.‡ 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.
Frequently Asked Questions
Is my account eligible for Pay It Plan It?
Pay It Plan It® is available on Consumer Card Accounts issued by a U.S. banking subsidiary of American Express, excluding Accounts that do not have a Credit Limit and do not have the Pay Over Time feature.
Certain accounts are not enrolled due to account status, Card type, or the date of the account opening. If your account is enrolled at a later date, you will receive a communication.
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 for Pay It Plan It. Only Basic Card Members or Authorized Account Managers with Full Access can set up plans on the account.
What purchases are eligible for Plan It?
A qualifying purchase or qualifying amount for Plan It is at least $100 (or qualifying amounts of $100 or more if you have a Consumer Card with a Credit Limit ) and does not include a purchase of cash or cash equivalent, a purchase subject to foreign transaction fees, or any fees owed to us (including annual membership fees); as long as it remains within your Amount Available to Plan and does not exceed your Pay Over Time Limit or 95% of your Credit Limit, as applicable.
Qualifying purchases include recent purchases posted to your account and purchases shown on your most recent billing statement.
Qualifying amounts include purchases shown on your most recent billing statement.
Is there a limit on the purchase amount I can place into a plan?
Yes. You may not be able to create a plan if it would cause:
• your plan balance to exceed 95% of your Account Total New Balance on your last billing statement
• your plan balance to exceed 95% of your Credit Limit
• you to exceed your Pay Over Time Limit.
Since your Amount Available to Plan is based on a portion of your balance, it can vary from month to month. Overall, 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.
Note, the Pay Over Time Limit applies to the total of your Pay Over Time, Cash Advance, and Plan balances.
What plan durations are available? I don’t see a plan duration that I want.
You will be offered 1-3 plan duration options for a qualifying purchase or qualifying amount. The plan duration options can vary based on a variety of factors such as your creditworthiness, the purchase amount, and your Account history. The duration can't be changed or modified.
If your account is in an introductory or promotional period with a promotional APR, you may see limited duration options.
Can I know my plan fees and durations before making a large purchase?
If you have an eligible Card with the Plan It feature, you can use the Plan It Pre-Purchase Calculator to view the plan duration and plan fee options that could be available for a specific dollar amount prior to making a large purchase. To access the calculator, visit the Plan It hub on your online account.
The calculator is an illustrative tool only and does not provide the actual plan options that may be available to you when creating a plan. Your ability to make a purchase or create a plan equal to the amount you enter in this tool will be based on your account status, your Amount Available to Plan, and / or your credit limit. Your actual plan options with the monthly plan payment and plan fees will be presented to you if you choose to create a plan.
If you don't have an eligible Card with the Plan It feature, you can visit the public Pre-Purchase Calculator here to view the monthly payment plan options that could be available on the Card.
Will I pay interest on a plan?
No. Instead, you’ll pay a fixed monthly plan fee for the duration of your plan that will be disclosed upfront.
Can I cancel a plan?
You can’t cancel a plan after it’s been set up, but you can pay a billed plan early by paying the New Balance shown on your most recent billing statement in full. If you pay off a billed plan early, you won’t incur any future plan fees on that plan.
If you pay the updated Total Balance on your account in full, you will pay off your entire balance including any newly created plans in your current billing period. You can view your updated Total Balance by logging into your online account, or by calling us at the number on the back of your Card.
Please keep in mind it takes 24-48 hours for your balances to update after creating a plan.
How will using Plan It affect my balance?
You’ll see an Adjusted Balance on your account whenever you have active plans. Any amount you pay above your Adjusted Balance will be applied towards your remaining plan balance.
If you have a Consumer Card product with a Credit Limit, your Adjusted Balance includes your billed, non-plan portion of your Remaining Statement Balance and monthly Plan Payment Due. If you pay the Adjusted Balance by your Payment Due Date each month, you’ll avoid being charged interest on purchases.
If you have a Consumer Card product with Pay Over Time, your Adjusted Balance includes your Pay In Full New Balance, Pay Over Time and/or Cash Advance New Balance, and monthly Plan Payment Due. If you pay the Adjusted Balance by your Payment Due Date each month, you’ll avoid being charged interest on charges automatically added to a Pay Over Time balance.
What is a plan fee?
The plan fee is a fixed fee you'll pay each month when you have an outstanding balance in a plan.
Consumer Card products with a Credit Limit:
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 charges.
Consumer 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.
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.
How are Pay It payments applied to my account?
Pay It payments will be applied to your balance, and not a specific purchase. Any Pay It payment will be applied to your outstanding balance in accordance with how we apply payments as disclosed in your Cardmember Agreement. If you have a Minimum Payment Due, your Pay It payments will apply towards your Minimum Payment Due.
Terms & Conditions
1 Plan It
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
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.
‡ 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.