If you’re trying to whittle down your balance, the Amex Pay It Plan It feature provides alternative payment strategies. You can use Pay It to immediately take care of purchases less than $100. Meanwhile, Plan It allows you to slowly pay off larger qualifying purchases more than $100 and pay them over a set period on up to 10 different payment plans. Plan It can be useful for earning cash back on small purchases because using your card essentially becomes as easy as using a debit card. However, your mileage might vary with Plan It. In lieu of interest payments, you’ll still owe a fixed monthly plan fee, which could be more expensive in some cases. Fortunately, you can enjoy $0 intro plan fees when you use Plan It monthly installment plans during your first 12 months from the date of account opening. After that, your plans will have a monthly plan fee of up to 1.33 percent of each purchase amount moved into the plan based on its duration (the APR would otherwise apply to the purchase and other factors).