Sydney Garth, Credit Cards Moderator
@sydneygarth
The “My Chase Plan” program allows you to pay off eligible purchases of $100 or more, made with your Chase credit card, in fixed monthly installments, without interest. The monthly fee is based on various factors including the purchase amount and the length of time you have to pay off the purchase.
How the “My Chase Plan” Program Works
- Use your Chase credit card to make a purchase.
- Sign in to the My Chase Plan dashboard or the Chase Mobile app.
- Pull up your transaction history.
- Choose an eligible transaction of $100 or more.
- Choose the payment plan that works best for you.
- Make equal monthly payments – with no interest, just a fixed monthly fee.
Keep in mind that eligible purchases cannot be older than 90 days or disputed, and fraudulent purchases don’t qualify. Purchases that are part of another special financing plan don’t qualify, either. Plans can range from 3 to 18 months, and you can have up to 10 active or pending plans on your account at one time.
“My Chase Plan” Pros and Cons:
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“My Chase Plan” sounds like it could save you money because the fixed monthly fee is rather low. But before you decide to use this program, it would be nice to run the numbers to see if it’s the best option for you. Please note that the fee stays the same even as your balance drops, unlike interest which would decrease with the balance over time.

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