Credit cards with Buy Now, Pay Later plans

Updated: Jan 9, 2026 at 12:43 AM EST

Credit cards that offer Buy Now, Pay Later plans provide a flexible payment option for cardholders to make purchases and pay for them over time. Credit cards with Buy Now, Pay Later plans allow cardholders to make purchases upfront and then split the payment into smaller installments over a specific period. These plans provide flexibility in managing expenses, especially for larger purchases. Rather than paying the full amount at once, cardholders can choose to spread the payments out over several months with low or zero interest, depending on the specific terms of the plan. This option gives individuals the ability to make necessary purchases while easing the immediate financial burden. It’s important to note that the terms and conditions, including interest rates and repayment schedules, can vary among different credit cards and Buy Now, Pay Later providers.

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United Club Business
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On Chase's Secure Website

United Club Business
4.5
Annual fee: $695

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.74% - 28.24% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

740-850 (Excellent)

Rewards Earn 8X miles on United flights: 6X miles as a MileagePlus member + 2X miles with the United Club Business Card. Additionally, earn 2X miles on all other eligible United purchases. Earn 5X miles on hotel stays when you prepay directly through Renowned Hotels and Resorts, plus 1.5X miles on all other purchases.

1.5x - 5x Miles

Welcome Offer Earn 100,000 bonus miles + 2,000 Premier qualifying points (PQP) after spending $5,000 on purchases in the first 3 months. Plus, earn 10,000 bonus miles after you add an employee card in the first 3 months.

110,000 Miles + 2,000 Premier qualifying points (PQP)

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United℠ Business
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On Chase's Secure Website

United℠ Business
4.3
Annual fee: $150

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.74% - 28.24% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn 8X miles on United flights: 6X miles as a MileagePlus member + 2X miles with the United Business Card. Additionally, earn 2X miles on all other United purchases, on gas, dining, office supplies, and local transit, plus 1X miles on all other purchases.

1x - 2x Miles

Welcome Offer Limited-Time Offer: Earn 100,000 bonus miles + 2,000 Premier Qualifying Points (PQP) after spending $5,000 in the first three months. Plus, earn 10,000 bonus miles after you add an employee card in the first three months.

110,000 Miles + 2,000 PQP

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Ink Business Cash®
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On Chase's Secure Website

Ink Business Cash®
4.3
Annual fee: $0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: N/A

Regular APR

16.74% - 24.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on up to $25,000 in combined annual purchases at office supply stores and on internet, cable, and phone services, plus 5% on Lyft rides through 9/30/27. Earn 2% cashback on up to $25,000 in combined annual purchases at gas stations and restaurants, and 1% cashback on all other purchases.

1% - 5% Cashback

Welcome Offer Earn a $750 bonus after spending $6,000 in the first three months.

$750

» Learn More: Read Card's Review
Ink Business Unlimited®
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On Chase's Secure Website

Ink Business Unlimited®
4.5
Annual fee: $0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: N/A

Regular APR

16.74% - 24.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn 1.5% cashback on all purchases. Plus, earn 5% cashback on Lyft rides through September 30, 2027.

1.5% - 5% Cashback

Welcome Offer Earn a $750 bonus after spending $6,000 on purchases in the first three months.

$750

» Learn More: Read Card's Review
IHG One Rewards Traveler
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On Chase's Secure Website

IHG One Rewards Traveler
4.4
Annual fee: $0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.24% - 27.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn up to 17X total points at IHG® Hotels and Resorts: 5X points with this card, up to 10X points as an IHG One Rewards member, and up to 2X points with automatic Silver Elite status. Earn 3X points on dining, gas, utilities, internet, cable, phone services, and select streaming, plus, 2x points on all other purchases.

2x - 5x Points

Welcome Offer Limited-Time Offer: earn up to 125,000 bonus points – 90,000 points after spending $2,000 in the first 3 months, plus 35,000 points after spending a total of $4,000 in the first 6 months.

125,000 Points

» Learn More: Read Card's Review
Marriott Bonvoy Bold®
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On Chase's Secure Website

Marriott Bonvoy Bold®
4.2
Annual fee: $0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.24% - 27.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn up to 14X total points at Marriott: 3X points with the Marriott Bonvoy Bold® Card + up to 10X points as a Marriott Bonvoy® member + 1X point with Silver Elite Status, a benefit of being a Marriott Bonvoy Bold® cardmember. Additionally, earn 2X points on grocery stores, rideshares, select food delivery, select streaming services, internet, cable, and phone services, plus 1X points on all other purchases.

1x - 3x Points

Welcome Offer Earn 30,000 bonus points after spending $1,000 n the first three months.

30,000 Points

» Learn More: Read Card's Review
Freedom Unlimited®
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On Chase's Secure Website

Freedom Unlimited®
4.5
Annual fee: $0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

18.24% - 27.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on travel purchased through Chase Travel℠, 3% cashback on drugstores and dining, plus 1.5% on all other purchases.

1.5% - 5% Cashback

Welcome Offer Earn a $200 bonus after spending $500 in the first 3 months.

$200

» Learn More: Read Card's Review
Sapphire Reserve®
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On Chase's Secure Website

Sapphire Reserve®
4.7
Annual fee: $795

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.49% - 27.99% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

740-850 (Excellent)

Rewards Earn 8x points on Chase Travel, 4x on flights and hotels, 3x on dining, and 1x on all other purchases.

1x - 8x Points

Welcome Offer Limited-Time Offer: Earn 150,000 bonus points after spending $6,000 in the first three months.

150,000 Points

» Learn More: Read Card's Review
Amazon Visa
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On Chase's Secure Website

Amazon Visa
4.2
Annual fee: $0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

18.74% - 27.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3% cashback on Amazon, Whole Foods, and Chase Travel purchases. Earn 2% cashback at restaurants, gas stations, on local transit and commuting, plus 1% on all other purchases.

1% - 3% Cashback

Welcome Offer Earn a $50 Amazon gift card instantly upon approval.

$50 Amazon Gift Card

» Learn More: Read Card's Review
Prime Visa
Apply now

On Chase's Secure Website

Prime Visa
4.0
Annual fee: $0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

18.74% - 27.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on Amazon, Whole Foods, and Chase Travel purchases with an eligible Prime membership. Earn 2% cashback at restaurants, gas stations, and on local transit and commuting, plus 1% on all other purchases.

1% - 5% Cashback

Welcome Offer Get a $150 Amazon gift card instantly upon approval.

$150 Amazon Gift Card

» Learn More: Read Card's Review