Delta Airlines Partners with American Express for Buy Now, Pay Later Airfare Purchases

Delta Airlines Boeing 767 at Heathrow Airport. stock photo
Bradley Caslin /

American Express, Member FDIC, has long been known as a provider of credit cards which require cardmembers to pay off their balance at the end of each month, allowing cardholders to avoid interest charges while reaping some of the best travel rewards in the industry.

See: Attitudes Toward BNPL Differ by Generation, but Use Is Similar
Find: TransUnion to Maximize Financial Inclusion Opportunities for Nearly 100 Million Consumers Using BNPL Loans

However, Amex offerings like Blue Cash Preferred and Blue Cash Everyday are traditional credit cards, with intro APR periods and the ability to carry a balance over time. Now, whether cardmembers carry one of these American Express cards — like Amex Green, Gold, or Platinum — or one of the Blue Cash cards, they can take advantage of a buy now, pay later (BNPL) plan to split up payments without high interest rates.

The Amex Plan It program allows eligible Amex cardholders to choose the Plan It option for select purchases over $100, dividing the cost into equal monthly payments with a fixed fee (a fee which depends on the card used and the cardmember’s creditworthiness). For instance, the Blue Cash Preferred card advertises no fee on Plan It purchases created within the first 12 months of opening the account, and up to 1.33% on Plan It purchases created after that, according to the Amex website. Regular interest charges, which range from APR on Blue Cash Preferred, would not apply on Plan It purchases.

Make Your Money Work Better for You

Delta is the first merchant partner to offer Amex’s BNPL as a payment option, and the first airline website in the U.S. to permit an on-card BNPL payment option, according to CNBC. Cardholders will earn the same rewards using the Plan It feature as they would paying for the flight in full at the time of purchase with their Amex card.

Learn: Spending Assumptions You Shouldn’t Make
Explore: Stock Shortfalls: Analysts Suggest Ditching BNPL After Affirm Comes Up Short

The program launched on Feb. 17, 2022 and is available on the website. Plan It will become available as a checkout option on the Fly Delta app in Spring 2022.

All information about American Express card offers has been collected independently by GOBankingRates and has not been reviewed or approved by American Express. These offers are not available through GOBankingRates.

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by American Express.

Make Your Money Work Better for You

More From GOBankingRates

Share This Article:

facebook sharing button
twitter sharing button
linkedin sharing button
email sharing button
Make Your Money Work Better for You

About the Author

Dawn Allcot is a full-time freelance writer and content marketing specialist who geeks out about finance, e-commerce, technology, and real estate. Her lengthy list of publishing credits include Bankrate, Lending Tree, and Chase Bank. She is the founder and owner of, a travel, technology, and entertainment website. She lives on Long Island, New York, with a veritable menagerie that includes 2 cats, a rambunctious kitten, and three lizards of varying sizes and personalities – plus her two kids and husband. Find her on Twitter, @DawnAllcot.
Learn More


See Today's Best
Banking Offers