Book Your Trip Now and Pay Later
When it comes to travel, you should have the flexibility to choose how and when you pay for your upcoming trip. With Plan It, you can book now and pay later with a fixed monthly fee for purchases of $100 or more when using your eligible, Go to footer note American Express Card. Terms apply, Go to footer note.
How to Use Plan It
Split up the cost of your trip into monthly installments with a fixed monthly fee using your eligible American Express Card.
Follow the steps below to use Plan It for your upcoming travel:
- Use your eligible American Express Card to pay - for a faster checkout experience, make sure you are logged in to your SkyMiles account and that you have stored your American Express Card
- Choose to pay over 3, 6 or 12 months during checkout on delta.com and please note that plan durations offered may differ based on creditworthiness
- Track the progress of your plan through your American Express account
Your plan purchase will typically show on your American Express account within 48 hours though it may take up to 5 business days to reflect on your account. For more details visit americanexpress.com/planit, opens in a new window.
Frequently Asked Questions
You can cancel your flight at any time, however, this will not result in the cancellation of your payment plan. If you receive a refund/credit for a purchase placed into a plan, you can request that the amount be applied to your plan balance. Once you see the credit on your account, please call the number on the back of your card to speak with a Plan It Specialist to have the amount applied to the plan balance.
With our 24-Hour Risk-Free Cancellation, you have up to 24 hours after booking to cancel your flight for any reason and receive a full refund with no fees. If you selected Plan It at checkout and need to cancel your flight within 24 hours of booking and the charge was never billed to your American Express account, the plan will not be created. You will only see an active plan when the transaction posts to your account.
Please review Delta’s Cancellation Policy.
Monthly Installments with Plan It by American Express
If you check out using Plan It, your purchase with Delta Air Lines will be automatically placed into a payment plan, subject to a plan fee. The plan fee is a fixed finance charge that will be charged each month that the corresponding plan is active. Your plan will typically be set up on your Account within 48 hours of the purchase but may take up to 5 days. If the merchant submits your purchase as multiple separate amounts you will have multiple plans created on your account.
At checkout, you will be offered 1–3 plan duration options. 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. After a plan is paid in full, it will be removed from your Account in the next billing period.
Your ability to use Plan It at checkout will be based on a variety of factors such as your creditworthiness, and your Credit Limit or Pay Over Time Limit, as applicable. The Pay Over Time Limit applies to the total of your Pay Over Time, Cash Advance, and Plan balances. We may not be able to create a plan if it would cause you to exceed your Pay Over Time Limit or cause your Plan balance to exceed 95% of your Account Total New Balance on your last billing statement. We will not be able to create plans if at the time the plan is requested or at the time the plan is set up on your Account, your Pay Over Time feature is suspended or your Account is canceled. We will also not be able to create plans if, at the time the plan is requested or at the time the plan is set up on your Account, one or more of your American Express Accounts is enrolled in a payment program, has a payment that is returned unpaid, or is past due.
Plan It is available on Card Accounts issued by a U.S. banking subsidiary of American Express, excluding Accounts that do not have either a Credit Limit or the Pay Over Time feature. Only the Basic Card Member or Authorized Account Managers on the Account can create a plan. 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.
Learn more about Plan It: americanexpress.com/planit, opens in a new window