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Pay Over Time

My Chase Plan®

Pay for credit card purchases over time with budget-friendly payments and no interest — just a fixed monthly fee.

MY CHASE PLAN®

Make equal monthly payments on purchases of $100 or more — with no interest, just a fixed monthly fee.

Equal monthly payments

Equal monthly payments

Equal monthly payments for any purchase of $100 or more

Pay it off with no interest

Pay it off with no interest

Pay it off with no interest — just a fixed monthly fee

You still earn rewards

You still earn rewards

You still earn rewards as you do today for purchases

Don’t have a Chase credit card? Find a card that fits your needs.

Plan durations range from 3-24 months, based on the purchase amount, your creditworthiness and your account history. You’ll see 1-3 plan duration options.

To see if My Chase Plan® is available on your account, please sign in to chase.com or the Chase Mobile® app.

Frequently asked questions

My Chase Plan lets you pay off a purchase over time in fixed, equal monthly payments. There’s no interest for this purchase once it’s placed in a plan, just a fixed monthly fee. You can also calculate your plan options for a purchase of $100 or higher before you make a purchase.

You can start a plan from an eligible purchase in your account activity, or through the My Chase Plan dashboard on chase.com. You can also use the dashboard to check the status of your plans.

Purchases of $100 or more with the “Pay over time” option next to the transaction amount in your credit card account activity are eligible. You can also find a list of eligible purchases after you choose "Create a plan" on the My Chase Plan dashboard.

We won’t charge you any interest on a purchase once it’s in a My Chase Plan. Instead there’s a fixed monthly fee for each plan.

Choose “Calculate a My Chase Plan” on the My Chase Plan dashboard through your online Chase account to get an idea of your plan options prior to making a large purchase.

There's no need to make any separate payments for your active plans. We'll automatically add the monthly My Chase Plan payment to your minimum payment due each billing cycle. Pay at least your minimum payment when it's due each billing cycle, and you'll pay off your My Chase Plan balance on time.

 

Once you set up a plan, you'll see a payment amount option called "interest saving balance." When you choose this option, you won't pay off your entire My Chase Plan balance earlier than intended, and you'll still avoid interest on new purchases.

Still have questions? See the full frequently asked questions.