Welcome to the Help Center

If you have a personal Card that has either a Credit Limit or the Pay Over Time feature, you may be eligible to use Plan It to set up a monthly payment plan for large purchases over a fixed period of time. With Plan It, you can place a qualifying purchase amount into a plan and instead of paying interest, you’ll pay a monthly plan fee that is shown to you upfront. Your plan payment, including the plan fee, will be added to your Minimum Payment Due each month.

You can use Plan It to set up plans online or through your Amex Mobile app. Learn more by visiting americanexpress.com/payitplanit.