Eligible cardmembers use ExtendPay with Apple Pay to divide a qualifying purchase into equal monthly payments instead of paying the full amount at once.

• Plans have a 0% annual percentage rate (APR).
• Some plans have a fixed monthly fee.
• You select an available plan in Apple Pay.
• You make the purchase online or in a store with Apple Pay.

Eligibility

ExtendPay is available only when Apple Pay displays the Pay Later option for your purchase.

• If Pay Later does not appear, the purchase is not currently eligible.
• For business accounts, Pay Later is available only to Authorized Officers for eligible purchases.

Payments

• Your minimum payment includes the monthly ExtendPay payment.
• Repayment terms depend on the purchase amount and selected plan.
• The final installment may be lower than earlier installments, but all installments total the ExtendPay plan amount.
• You can set up or change autopay to pay the Plan Adjusted Balance each month after your account cycles.
• The Plan Adjusted Balance is the amount you must pay for the statement cycle to avoid interest on qualifying purchases outside the ExtendPay plan.