Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of Card Membership. Earn unlimited 1.5% Cash Back on your purchases. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise. There's a low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%. $0 plan fees for plans set up during your first 15 months of Card Membership with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018. There's no annual fee. Terms Apply. See Rates & Fees.