No set-up fee
There are no fees to sign up and get started.
Big purchases. Unexpected purchases. Splurges. Whatever you’re buying, you’re in control of your finances. Now with U.S. Bank ExtendPay Plan, use your flexibility to add more possibilities.
There are no fees to sign up and get started.
Make equal monthly payments with no interest4 during your chosen repayment period — just a small, ﬁxed monthly fee.
Just choose which recent eligible credit card purchases you want to extend. It’s as easy as that.
Simply visit your credit card dashboard and select U.S. Bank ExtendPay® Plans to check for qualifying purchases.
Step 1: Make a purchase of $100 or more using your U.S. Bank Credit Card.
Step 2: Log in or sign up for online banking. Visit your credit card dashboard and check for eligible purchases.
Step 3: Move one or more eligible purchases to U.S. Bank ExtendPay® Plan where you can make equal monthly payments with no interest4 during your chosen repayment period, just a small, fixed monthly fee.
Watch the video to learn about all the benefits of U.S. Bank ExtendPay® Plan and learn about your payment plan options.
FAQ apply to ExtendPay Plans set up on or after 4/1/22.
U.S. Bank ExtendPay® Plans provide a new payment option that allows you to divide eligible credit card purchases into affordable monthly payments with no interest – just a fixed monthly fee.
No. An ExtendPay Plan doesn’t increase your card’s available credit. It gives you a payment option to help make budgeting easier.
If your credit card account is eligible for an ExtendPay Plan, you’ll receive a notification via email, or you’ll see ExtendPay Plan options when viewing your card account details or eligible transactions online. The only purchases eligible for an ExtendPay Plan are those that were made within 60 days prior to signing up for ExtendPay, are over $100, and are less than your purchase balance when you sign up for ExtendPay.
ExtendPay Plan eligibility may change based on your credit card account activity.
If your business card account is eligible for an Bank ExtendPay Plan, you’ll receive an email notification, or you’ll see ExtendPay Plan options in your account online. Only your company’s Authorized Officers (AO) can enroll in an ExtendPay Plan. If your company’s card program is set up with central billing, ExtendPay-eligible transactions can be selected by the AO when viewing the central billing account (which includes transactions made on employee cards). For companies with individual billing, the AO can only select transactions they made on their own card account.
Eligible cardmembers can start their ExtendPay Plan enrollment in a few different ways:
From here, you’ll choose which purchases to bundle and the length of your ExtendPay Plan. Confirm your details, agree to the terms and you’re set! We’ll reach out via email once your enrollment’s been confirmed.
Additional information about ExtendPay Plans, including your eligible purchases and maximum plan amount, will be provided at the time of enrollment.
After creating an ExtendPay Plan, it can take 24 to 48 hours for it to appear in your account.
Yes. Your eligible purchases will still earn any rewards your credit card would otherwise offer.
You can have as many ExtendPay Plans open as you want - up to 50% of your credit line - as long as your account meets the necessary requirements.
ExtendPay Fees are fixed fees you will pay each month when you have an outstanding balance in an ExtendPay Plan. ExtendPay Fees are calculated based upon the plan’s original principal amount, your credit card’s Purchase APR and other factors. They’re calculated and shown to you at the time of enrollment.
You can choose from a range of repayment options depending on the total amount of your ExtendPay Plan:
No. Once your ExtendPay Plan has been confirmed, it will remain active until the balance is paid in full. Plan lengths are final and can’t be changed. However, there are no penalties for early payoff.
You may pay off your ExtendPay Plan balance early by paying your credit card balance in full. That includes any account activity since the previous statement – even pending transactions. To successfully pay your full balance, wait for any pending transactions to post to your account before making your payment.
Once you’ve paid your ExtendPay Plan balance in full, your ExtendPay Plan is completed, and no further ExtendPay Fees will be charged.
Your ExtendPay Plan will cause your monthly Minimum Payment to increase. Until the ExtendPay Plan is paid in full, your monthly Minimum Payment calculation will include your regular monthly payment amount (based on non-ExtendPay Plan balances) plus the monthly ExtendPay Plan principal and monthly ExtendPay Fee. See the “Minimum Payment” section of your Cardmember Agreement for more information.
For new ExtendPay Plans - set up April 1, 2022, or later - your payments are included in your credit card’s minimum monthly payment. If you set up multiple new ExtendPay Plans, they will all be included in your total minimum monthly payment. Another option would be to pay your Plan Adjusted Balance, which is the amount you need to pay on your account each month to avoid any interest charges on new purchases during that statement period. It includes your monthly ExtendPay payment due plus the non- ExtendPay portion of your remaining statement balance. You can manage your payments from your account dashboard.
For U.S. Bank ExtendPay® Plans set up before April 1, 2022: Your ExtendPay Plans are a separate account from your credit card account and will appear under Loans, lines and leases in your account dashboard via online banking or the mobile app. You can view your plan balance and manage payments there.
If your autopay preferences are set up to pay more than the minimum payment due, you may want to adjust your payment amount. If your existing autopay preferences would pay off your entire statement balance, you’ll be prompted to update your preferences before you confirm your U.S. Bank ExtendPay® Plan.
You can adjust your autopay preferences at any time after setting up an ExtendPay Plan. If your automatic payment is scheduled within three business days from the date you requested the modification, we are unable to cancel or adjust the amount of that payment. Future autopay payments will reflect your requested adjustment.
If you have a U.S. Bank ExtendPay® balance, the “Plan Adjusted Balance” is the amount you must pay on your Account each month to avoid paying interest on new purchases. It includes your monthly ExtendPay payment due plus the non-ExtendPay portion of your remaining statement balance. Check your Cardmember Agreement for full details.
Yes. If you pay your previous statement balance, or Plan Adjusted Balance, in full by your payment due date each month, you have a 24- to 30-day interest-free period for new purchases. See your Cardmember Agreement for more information.
Any late or missed payments are subject to late fees and may result in account closure. Any unpaid balance remaining on your ExtendPay Plan after the chosen pay-back period becomes subject to the APR and minimum payment calculation for purchases outlined in your Cardmember Agreement.
If a purchase you’ve selected for an ExtendPay Plan is refunded by the merchant, the returned amount will be credited to your current credit card account balance. Since the refund won’t specifically be applied to the ExtendPay Plan, your ExtendPay balance and monthly minimum payment will not change unless your current balance is paid in full, including any activity on your credit card account since the previous statement.
You can dispute purchases that are in an ExtendPay Plan the same way you dispute other credit card transactions. When you dispute or claim fraud on a purchase that’s in an ExtendPay Plan, your ExtendPay Plan will be reduced by the disputed amount, and all fees paid to date for the disputed transaction will be credited to your ExtendPay Plan. Any prior payments made to your ExtendPay Plan for the disputed transaction will be credited to your revolving balance. Your next statement will reflect your adjusted fixed payment amount.
If the disputed transaction rebills for any reason, it will be set up in a new ExtendPay Plan with the original term length and billed the same monthly fee for the transaction.
Don’t see your question? Give Cardmember Service a call by using the number on the back of your card and a representative will be happy to help.