Pay Over Time

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.