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Spirit fly now pay later1/17/2024 Once your purchase posts and is no longer pending, you can create a plan for that purchase. ![]() Qualifying purchases (or a qualifying amount, if you have a Card with a Credit Limit) do not include purchases of cash or cash equivalents, balance transfers (if offered), purchases subject to Foreign Transaction Fees, or any fee owed to us, including Annual Membership fees. Unless you are creating a plan at checkout, please allow 2-3 days for your purchase to post to your Account. Qualifying purchases will be identified in your American Express online Account and American Express App. However, you may select only one qualifying purchase for each plan that you create in the American Express App. When creating a plan for purchases, you may select up to 10 qualifying purchases for each plan that you create in your American Express online Account. To create a plan, select qualifying purchases of $100 or more and a plan duration. If you have a Card with a Credit Limit, you may also be able to select a qualifying amount of $100 or more and a plan duration. If you create a plan during an introductory or promotional APR period, your plan fee will be based on the introductory or promotional APR as long as the plan is created before 11:59pm MST on the last day of the introductory or promotional period. The plan duration options can vary based on a variety of factors such as the purchase amount, your Account history and your creditworthiness. If you are enrolled in an intro or promotional APR, you may see limited plan duration options during the intro or promotional period when you use Plan It on your Account. The plan fee is a fixed finance charge that will be charged each month that the corresponding plan is active. You will be offered 1-3 plan duration options for the qualifying purchase. With Plan It®, you can create up to 10 active payment plans, each subject to a plan fee. Prepaid Cards and products, American Express Corporate Cards, American Express Small Business Cards and American Express-branded Cards or account numbers issued by other financial institutions are not eligible. ![]() banking subsidiary of American Express that is not canceled, excluding Accounts that do not have either a Credit Limit or the Pay Over Time feature. Your Account is eligible for Pay It if you are a Basic Card Member or Additional Card Member of a Card account issued by a U.S. Payments made with Pay It are not applied to that billed purchase but to your outstanding balance in accordance with how we apply payments. ![]() With the Pay It feature, you can make a payment equal to the amount of a billed purchase less than $100. Pay It® is only available in the American Express App® for your eligible Account.
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