Why U.S. Bank ExtendPay® Plan?

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.

No set-up fee

There are no fees to sign up and get started.

Earn rewards

Keep earning your same great rewards on your U.S. Bank Credit Cards.3

No interest

Make equal monthly payments with no interest4 during your chosen repayment period — just a small, fixed monthly fee.

No credit check

Just choose which recent eligible credit card purchases you want to extend. It’s as easy as that.


Choose the plan that works for you with 3, 6, 12, 18, and 24 month repayment options.5

No application required

Simply visit your credit card dashboard and select U.S. Bank ExtendPay® Plans to check for qualifying purchases.

Step by step enrollment experience

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.

With U.S. Bank ExtendPay® Plan you’re in control of how and when you pay

Watch the video to learn about all the benefits of U.S. Bank ExtendPay® Plan and learn about your payment plan options.

Frequently asked questions

FAQ apply to ExtendPay Plans set up on or after 4/1/22.


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.

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U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

From time to time we may offer to you the benefit of our ExtendPay® Plans, which allow you to pay off balances in fixed monthly payments over time and still avoid paying interest charges on new Purchases.

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  1. You may designate up to 50% of your credit card line ($100 minimum) in eligible credit card purchases and pay in monthly installments with just a small fixed monthly fee. Only Purchase balances are eligible for U.S. Bank ExtendPay® Plans. Transactions identified as Advances or Balance Transfers (as defined in your Cardmember Agreement), and any interest or fees, including Annual Fee, do not apply. The only Purchases that will appear as "Eligible Purchases" in the enrollment process are Purchases that were made within 60 days prior to signing up for an ExtendPay Plan, are over $100, and are less than your Purchase balance when you sign up for an ExtendPay Plan.

  2. The monthly fixed fee will be determined when your U.S. Bank ExtendPay® Plan is created and is provided to you before you complete setting up an ExtendPay Plan. This fee will remain the same until the ExtendPay Plan is paid in full. The monthly fixed fee of the ExtendPay Plan is based upon the original principal amount, Purchase APR, and other factors.

  3. Your eligible purchase will still earn any rewards your credit card would otherwise offer. Refer to your Cardmember Agreement for details.

  4. Any unpaid balance remaining on an ExtendPay Plan after the chosen pay-back period will be subject to the APR and minimum payment calculation for purchases outlined in the Cardmember Agreement.

  5. Durations may vary depending on your ExtendPay Plan amount.

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When you set up a U.S. Bank ExtendPay® Plan, the total monthly payment obligation will be included in your monthly Minimum Payment. If you have any ExtendPay Plan balances, you may avoid interest charges on new Purchases by paying the Plan Adjusted Balance in full each month. (The Plan Adjusted Balance is your non-ExtendPay Plan balance plus the total monthly ExtendPay Plan payment, not including any disputed amounts.) You may pay the ExtendPay Plan balances off early by paying your current balance in full, which includes activity on your Account since the previous statement, including any pending charges. You will see the ExtendPay Plan in your credit card dashboard in Online Banking and the U.S. Bank Mobile App. An ExtendPay offer may be withdrawn based on activity on your credit card account after the offer was made. If you are not eligible for this offer, you will not be able to access the enrollment site.

For U.S. Bank ExtendPay® offers to small business accounts: only you, as your company’s Authorized Officer (AO), may enroll in an ExtendPay Plan. All references to "you" and "your" apply to you as the AO. If your company's card program is set up with central billing, you may select ExtendPay-eligible Purchases when viewing the central billing account (which includes Purchases made on employee cards). If your company is set up with individual billing, you may only select Purchases made on your own card account.

The creditor and issuer of these cards is U.S. Bank National Association, pursuant to separate licenses from Visa U.S.A. Inc., or Mastercard International Incorporated or American Express, and the card is available to United States residents only. Mastercard is a registered trademark, and the circles design is trademark of Mastercard International Incorporated. American Express is a federally registered service mark of American Express.