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GIVE YOURSELF MORE WAYS TO PAY

Pay Over Time from American Express provides three ways to carry a balance. Discover which features fit your lifestyle.

Pay Over Time Features

Pay Over Time Features

Extended Payment Option

  • All eligible1 charges of $100 or more can be paid over time.
  • Charges are automatically moved into your Pay Over Time balance and you choose how much to pay: Just pay in full, the minimum amount due, or anything in between - it's that simple.
Check If I'm Eligible

Select & Pay LaterSM

  • Charges of $100 or more are eligible2 to be paid over time.
  • Manually select each eligible2 charge that you would like to request to pay over time.
Select Charges

Sign & Travel®

  • Eligible3 travel-related charges can be paid over time, no minimum dollar amount is required.
  • This feature automatically moves charges such as airline tickets, hotel stays, car rentals, cruises and foreign charges into a Pay Over Time balance.
Check If I'm Eligible
Enrollment into Sign & Travel, is not currently available online. Call the number on the back of your Card to see if you are eligible for Sign & Travel.

Key Benefits

  • Added flexibility with no fee to enroll.
  • Pay in full, the minimum amount due, or anything in between. The choice is yours.
  • Only pay interest charges on purchases that are eligible1,2,3 to be paid over time.
  • Access to the world-class benefits and services you expect as a Card Member.
  • Use one Card and earn Membership Rewards® points4 for every eligible dollar you spend when your Card is enrolled in the Membership Rewards program.

Questions about your Pay Over Time statement?

Common Questions
About Pay Over Time

What can I do to avoid being charged interest?

Pay the "Account Total New Balance" by the "Payment Due Date" each month and we will not charge interest on charges added to a Pay Over Time balance automatically. We will begin charging interest on Select & Pay Later charges as of the date they are added to a Pay Over Time balance.

What is the minimum I need to pay to keep my account current?

To remain current, you must pay your "Minimum Payment Due" by your "Payment Due Date." To learn more, click on a sample statement below.

How can I identify charges that are included in my Pay Over Time balance?

On your paper statement, Pay Over Time charges are clearly identified with a ♦ symbol. On your Online Statement, simply click on the "Filter Options" button, then select "Pay Over Time Charges" in the "Transaction Type" section to see charges in your Pay Over Time balance. To learn more, click on a sample statement below.

Sample Statements
with Pay Over Time Information

1Extended Payment Option: A charge is eligible to be paid over time if it is equal to or more than $100 and is approved by us. The following types of charges are ineligible for a Pay Over Time feature: Cash and Express Cash, American Express® Travelers Cheques and other cash equivalents, casinos and other gambling transactions, real estate transactions, American Express annual membership fees, and other transactions designated by us. We will not place any charge into a Pay Over Time balance if it causes the total of your Pay Over Time balances to go over your Pay Over Time Limit, as previously disclosed.

2Select & Pay Later: A charge can be requested to be paid over time if it is equal to or more than $100 and is approved by us. The following types of charges are ineligible for a Pay Over Time feature: Cash and Express Cash, American Express® Travelers Cheques and other cash equivalents, casinos and other gambling transactions, real estate transactions, American Express annual membership fees, and other transactions designated by us. We will not place any charge into a Pay Over Time balance if it causes the total of your Pay Over Time balances to go over your Pay Over Time Limit, as previously disclosed.

3Sign & Travel: A charge is eligible to be paid over time if it is designated by American Express as being travel related and is approved by us such as airline tickets, hotel stays, car rentals, cruises, and foreign charges. The following types of charges are ineligible for a Pay Over Time feature: Cash and Express Cash, American Express® Travelers Cheques and other cash equivalents, casinos and other gambling transactions, real estate transactions, American Express annual membership fees, and other transactions designated by us. We will not place any charge into a Pay Over Time balance if it causes the total of your Pay Over Time balances to go over your Pay Over Time Limit, as previously disclosed.

4Only Card Members with a product enrolled in the Membership Rewards® program are able to earn Membership Rewards points on their purchases. Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276)1-800-AXP-EARN / 1-800-297-3276 for more information. Participating partners and available rewards are subject to change without notice.