February 22, 2024

When you get your paycheck at odd instances—or are a small enterprise proprietor with irregular revenue—paying your bank card stability in full could be difficult. You probably have an American Categorical (Amex) card, although, there’s a superb likelihood you’re eligible for “Pay It Plan It.” The Pay It Plan It program lets you take extra management over how a lot you pay towards your account stability and whenever you make funds.

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

What’s American Categorical Pay It Plan It? 

Pay It Plan It’s a function obtainable to sure American Categorical clients with eligible playing cards. When enrolled, you may pay for purchases at completely different instances all through the month or break up bigger purchases to pay them off over time. Members can entry Pay It Plan It cost choices by the American Categorical cellular 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 probably save on curiosity by establishing an interest-free cost plan for a month-to-month charge.

The way it works

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

Pay It 

Pay It permits cardholders to cut 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 towards your month-to-month stability. You probably have a minimal cost due, your Pay It funds scale back that stability.

To make use of Pay It, log in to the Amex cellular 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. You probably have a number of checking accounts, you may 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 cost plan. Plan It lets you group as much as 10 transactions right into a cost plan, decreasing your month-to-month stability. Your adjusted stability will probably be what’s due each month. 

You may 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 cost plan.

After deciding on 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 charge. Your first month-to-month plan cost will seem in your subsequent billing assertion.

Amex presents a Pre-Buy Plan It Calculator, permitting members to view plan period and charge choices for a particular buy quantity. The calculator function is useful if you wish to see your potential month-to-month funds earlier than making a giant 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 particular interval. As a result of the month-to-month charge for a Plan It cost plan is usually decrease than what you’d pay in curiosity, Plan It’s also helpful for anybody who thinks they’ll carry a month-to-month stability.

Pay It’s a function 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 hold you from going over that restrict. Sustaining a low stability additionally improves your credit score rating.

Plan necessities and limitations


The Plan It function 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 may create, together with your credit score historical past and credit score restrict. Additionally, Amex could not mean you can create a brand new plan if one in every 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 function, you received’t be eligible for Pay It Plan It. Amex small enterprise playing cards additionally don’t qualify for these options.

Main 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 function like Plan It to pay for bigger purchases. There’s no have to pay a month-to-month charge to interrupt up bigger funds when Amex received’t cost you curiosity.

Account standing 

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

Restricted plans and funds 

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

Eligible transactions 

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

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

Execs & Cons 


  • Pay It permits you to hold your month-to-month stability down should you get near your credit score restrict. 
  • Plan It might prevent cash on the curiosity you’d sometimes pay for big transactions you may’t repay in full by the top of the month.  
  • Amex places useful icons subsequent to all transactions eligible for Pay It and Plan It. 
  • Your plan cost quantities are robotically factored into your month-to-month minimal stability due. 


  • Plan It carries a month-to-month charge for each cost plan you create. 
  • You may’t cancel a plan or regulate its period when you’ve created it.
  • You’re restricted to 10 transactions per cost plan, 10 cost plans at any time, and 5 transactions per day for Pay It. 

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

Most Amex client card accounts are eligible for Pay It Plan It, excluding these which can be pay as you go or don’t have a credit score restrict. Amex small enterprise playing cards aren’t eligible for Pay It Plan It. You probably 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 may create.

Alternate options to Pay It Plan It

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

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

Chase Freedom Limitless®


Chase Sapphire Most well-liked® Card



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

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

Incessantly requested questions (FAQs) 

How are Pay It funds utilized to my account? 

Pay It funds are utilized towards 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 in case you have cost plans arrange by Plan It.

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

You may keep away from curiosity on purchases should you pay your adjusted stability by the cost 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? 

When you’re reserving a flight by Delta.com, you may 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 price.