Amex Waives “Pay It Plan It” Fees for Some Users

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The “Pay It Plan It” program from American Express is nothing new. The issuer launched the feature on some of its credit cards as far back as 2017. Now, however, Amex is extending the “Plan It” portion of the program by offering an fee-free period on some purchases. Here’s what you need to know:

What Is “Pay It Plan It”?

The “Pay It Plan It” program allows Amex cardholders to split up large purchases over time and pay them back at a fixed, monthly fee – with no interest. According to the program’s landing page, Amex cardholders can select up to ten purchases of $100 or more to combine into a plan. They then repay the plan with a fixed fee charged every month. Even better, they’ll earn rewards on payments just like they would with their regular purchases.

Some Purchases No Have No Fees

While the offer of no fees has come and gone in the past, the news of some users being targeted for no monthly fees is undoubtedly welcome during the COVID-19 pandemic.

While this offer is targeted (meaning it only applies to some customers), those getting the offer can repay their purchases without additional costs. This deal means that users of the “Pay It Plan It” feature receive an interest-free repayment period on purchases – with no extra costs.

Which Purchases Are Eligible?

According to users on popular credit card message board sites, like and Doctor of Credit, the majority of the interest-free “Pay It Plan It” offers are for travel purchases. Given the restrictions in place on air travel, however, the offer might not seem worthwhile.

With reopening underway in some U.S. states, however, the fee-free offer might tempt some cardholders to escape quarantine confinement and book a weekend trip (with a hotel stay, for example). American Express offers co-branded hotel credit cards with Marriott and Hilton, giving weary travelers plenty of booking options.

Current Amex hotel credit cardholders can get a better idea of what these hotel chains offer, including amenities, locations, and points redemption options, through our comprehensive hotel guides. As with all credit card purchases, however, it’s critical to remember not to spend more than you can afford to pay – even if there is the chance of a fee-free and interest-free grace period.

Related Article:  Read our ULTIMATE Guide to Hotel Rewards Programs and Hotel Credit Cards

About: Cory
Cory Santos

Cory is's "Jack of all trades" and resident credit expert, covering all facets of the credit card space. Cory holds academic degrees in both the U.S. and U.K. In addition to credit cards, Cory finds that jogging, cats, and memes are essential parts of a balanced day.

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