Delta Airlines partners with American Express for airline ticket purchases Buy Now, Pay Later

Bradley Caslin /

American Express has long been known as a provider of payment cards – which require cardholders to pay off their balance at the end of each month – allowing cardholders to avoid interest charges while reaping some of the best industry travel awards.

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However, Amex offers such as Blue Cash Preferred and Blue Cash Everyday are traditional credit cards, with 0% introductory APRs and the ability to carry over a balance over time. Now, whether cardholders carry a traditional Amex payment card – like Amex Green, Gold or Platinum – or one of the Blue Cash cards, they can take advantage of a buy-it-now, pay-later (BNPL) plan for split payments without high interest rates.

The Amex Plan It program allows eligible Amex cardholders to choose the Plan It option for certain purchases over $100, by dividing the cost into equal monthly payments with a flat fee (a fee that depends on the card used and creditworthiness of the holder). For example, the Blue Cash Preferred card advertises no fees on Plan It purchases created within the first 12 months of account opening, and up to 1.33% on Plan It purchases created thereafter, according to the Amex website. Regular interest charges, which range from 13.99% to 23.99% variable APR on Blue Cash Preferred, would not apply to Plan It purchases.

Delta is the first merchant partner to offer Amex’s BNPL as a payment option and the first airline website in the United States to allow a card-based BNPL payment option, according to CNBC. Cardholders will earn the same rewards using the Plan It feature as if they paid for the flight in full at the time of purchase with their Amex Card.

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The program launched on February 17, 2022, but the feature won’t be available on the website until spring 2022, according to CNBC.

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About the Author

Dawn Allcot is a full-time freelance writer and content marketer with interests in finance, e-commerce, technology, and real estate. His long list of publishing credits includes Bankrate, Lending Tree and Chase Bank. She is the founder and owner of, a travel, technology and entertainment website. She lives in Long Island, New York, with a veritable menagerie that includes 2 cats, a rambunctious kitten and three lizards of different sizes and personalities – plus her two children and her husband. Find her on Twitter, @DawnAllcot.

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