Your monthly Plan It fee will vary based on the percentage of purchases within your plan, your plan’s duration (three to 24 months), the APR that would normally apply and other factors. Currently, your Plan It fee can be up to 1.33 percent, but American Express’ Pre-Purchase Calculator has listed fees as low as 0.61 percent in the past. Luckily, you can enjoy $0 in intro plan fees on each purchase you move into a plan during your first 15 months (1.33 percent monthly plan fee after that).
As an example, if you use move $300 worth of purchases into a plan with an up to 0.86 percent monthly fee after your first 15 months, you’ll owe $14.34 in fees for a six-month plan ($2.39 monthly), $30 in fees for a 12-month plan ($2.50 monthly) and $45 in fees for an 18-month plan ($2.50 monthly).