Why 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 interest — 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.4

No application required

Simply visit your credit card dashboard and select 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 your eligible purchase balance to ExtendPay Plan where you can make equal monthly payments with no interest, just a small, fixed monthly fee.

With ExtendPay Plan you’re in control of how and when you pay

Watch the video to learn about all the benefits of 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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CC-001 May charge fees
CC-1500 Extend Pay may be offered from time to time
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CC-1505 Extend Pay monthly payment obligation
CC-1506 Extend Pay Small Business accounts
CC-017 Creditor and issuer - Visa, Mastercard, AMEX