June 16, 2024

If you happen to get your paycheck at odd occasions—or are a small enterprise proprietor with irregular earnings—paying your bank card stability in full may be difficult. When you have an American Specific (Amex) card, although, there’s a very good probability you’re eligible for “Pay It Plan It.” The Pay It Plan It program allows you to take extra management over how a lot you pay towards your account stability and if you make funds.

It’s all the time finest to repay your month-to-month stability in full, as this prevents you from paying curiosity on an excellent stability. However when that isn’t potential, Pay It Plan It might probably allow you to save on curiosity.

What’s American Specific Pay It Plan It? 

Pay It Plan It’s a characteristic obtainable to sure American Specific prospects with eligible playing cards. When enrolled, you possibly can pay for purchases at completely different occasions all through the month or break up bigger purchases to pay them off over time. Members can entry Pay It Plan It fee choices by way of the American Specific cell app or web site.

Pay It Plan It’s a substitute for Amex’s “Pay Over Time” choice. It permits cardholders to repay their month-to-month stability at their very own tempo or doubtlessly save on curiosity by organising an interest-free fee plan for a month-to-month payment.

The way it works

Pay It Plan It consists of two completely different fee plans: Pay It and Plan It. Right here’s how every works:

Pay It 

Pay It permits cardholders to scale back their stability by making small funds for particular purchases. Paying for a transaction received’t take away it out of your transaction historical past. As an alternative, funds are utilized in opposition to your month-to-month stability. When you have a minimal fee due, your Pay It funds scale back that stability.

To make use of Pay It, log in to the Amex cell app and go to your transactions. Search for posted transactions with a “Pay It” icon subsequent to them—solely purchases beneath $100 are eligible—then click on the Pay It icon and press “Pay” to finish the transaction. When you have a number of checking accounts, you possibly can select which one you’d like to make use of for Pay It. 

Amex ought to replace your excellent stability inside 48 hours.

Plan It 

Plan It lets customers repay bigger purchases over time as a part of an interest-free fee plan. Plan It allows you to group as much as 10 transactions right into a fee plan, decreasing your month-to-month stability. Your adjusted stability will probably be what’s due each month. 

You’ll be able to entry the Plan It options by visiting the Amex web site or app. Whenever you log in, search for transactions with a “Plan It” icon subsequent to them. Amex identifies eligible transactions, so if a transaction doesn’t have a Plan It icon subsequent to it, you received’t have the ability to add it to a fee plan.

After choosing which buy or purchases you need to embrace, you’ll see as much as three choices for plan durations and the relevant month-to-month payment. Your first month-to-month plan fee will seem in your subsequent billing assertion.

Amex presents a Pre-Buy Plan It Calculator, permitting members to view plan period and payment choices for a selected buy quantity. The calculator characteristic is useful if you wish to see your potential month-to-month funds earlier than making an enormous buy.

Who is that this plan for? 

The Pay It and Plan It options are useful for anybody attempting to unfold out their funds over a selected interval. As a result of the month-to-month payment for a Plan It fee plan is usually decrease than what you’d pay in curiosity, Plan Additionally it is helpful for anybody who thinks they’ll carry a month-to-month stability.

Pay It’s a characteristic for individuals who need to decrease their month-to-month stability all through the month. If, for instance, your spending has introduced you near your credit score restrict, utilizing Pay It might probably hold you from going over that restrict. Sustaining a low stability additionally improves your credit score rating.

Plan necessities and limitations


The Plan It characteristic sometimes permits as much as 10 plans at any time, however you might get much less. A number of components can decide what number of plans you possibly can create, together with your credit score historical past and credit score restrict. Additionally, Amex might not permit you to create a brand new plan if certainly one of your accounts fails to maintain up with funds or is in a debt administration program.

Card sort 

Pay It Plan It’s obtainable on most Amex client card accounts, however there are exceptions. In case your card is pay as you go, doesn’t have a credit score restrict, or doesn’t have a Pay Over Time characteristic, you received’t be eligible for Pay It Plan It. Amex small enterprise playing cards additionally don’t qualify for these options.

Major cardholders and approved account managers with full entry can create plans if their card contains Pay It Plan It.

Date of opening

Sure playing cards received’t enroll in Pay It Plan It due to the date the account was  opened. Furthermore, some playing cards carry intro 0% APR durations, eliminating the necessity to use a characteristic like Plan It to pay for bigger purchases. There’s no have to pay a month-to-month payment to interrupt up bigger funds when Amex received’t cost you curiosity.

Account standing 

When you have a low credit score restrict or certainly one of your Amex accounts is enrolled in a debt administration program, you probably received’t have the ability to create fee plans.

Restricted plans and funds 

Amex usually doesn’t let customers create greater than 10 plans at a time and every plan is proscribed to 10 transactions. For the Pay It characteristic, customers can’t make greater than 5 funds on transactions per day.

Eligible transactions 

A fee doesn’t mechanically qualify for Pay It if it’s beneath $100, and funds over $100 can’t mechanically be added to a fee plan. A purchase order of money (or money equal), a purchase order topic to international transaction charges, or a payment owed to Amex (equivalent to an annual payment) received’t be eligible for Pay It Plan It.

As well as, customers can’t create fee plans totaling over 95% of their credit score restrict. 

Execs & Cons 


  • Pay It means that you can hold your month-to-month stability down for those who get near your credit score restrict. 
  • Plan It might probably prevent cash on the curiosity you’d sometimes pay for big transactions you possibly can’t repay in full by the tip of the month.  
  • Amex places useful icons subsequent to all transactions eligible for Pay It and Plan It. 
  • Your plan fee quantities are mechanically factored into your month-to-month minimal stability due. 


  • Plan It carries a month-to-month payment for each fee plan you create. 
  • You’ll be able to’t cancel a plan or alter its period when you’ve created it.
  • You’re restricted to 10 transactions per fee plan, 10 fee plans at any time, and 5 transactions per day for Pay It. 

Which playing cards are eligible to entry American Specific Pay It Plan It? 

Most Amex client card accounts are eligible for Pay It Plan It, excluding these which are pay as you go or don’t have a credit score restrict. Amex small enterprise playing cards usually are not eligible for Pay It Plan It. When you have poor or no credit score, you might not qualify for Pay It Plan It or could also be restricted in what number of plans you possibly can create.

Options to Pay It Plan It

Amex playing cards supply a “Pay Over Time” characteristic that lets customers repay eligible costs extra regularly with curiosity. Chase bank cards, as a part of “My Chase Plan,” supply comparable options for transactions over $100.

The playing cards under are alternate options to the Pay It Plan It options:

Chase Freedom Limitless®


Chase Sapphire Most popular® Card



Amex’s Pay It and Plan It fee choices can prevent cash on curiosity and hold you from going over your credit score restrict. These budgeting instruments may also help you preserve a very good credit score rating and are comparatively easy.

Amex client playing cards ought to provide you with entry to each Pay It and Plan It so long as you could have a credit score restrict, sustain with funds, and aren’t a part of a debt administration program. If you happen to’re contemplating completely different Amex playing cards, the excellent news is that almost all of them supply these two fee choices along with Amex’s Pay Over Time choice.

Often requested questions (FAQs) 

How are Pay It funds utilized to my account? 

Pay It funds are utilized in opposition to your month-to-month stability. They don’t take away transactions out of your historical past. As an alternative, they scale back the minimal quantity due on the finish of the month—or your adjusted stability when you’ve got fee plans arrange by way of Plan It.

What quantity do I have to pay to keep away from curiosity on my account? 

You will keep away from curiosity on purchases for those who pay your adjusted stability by the fee due date every month. Your adjusted stability contains what’s due out of your month-to-month plan plus any non-plan purchases made within the final assertion interval.

How does Plan It on Delta.com work at checkout? 

If you happen to’re reserving a flight by way of Delta.com, you possibly can choose your eligible Amex card at checkout and select the period choice that appeals to you. These choices range relying in your creditworthiness and the flight value.