Amex Pay Over Time: Earn 20K Membership Rewards Points! (Targeted)
amex pay over time

Easy 20K Amex Points by Turning Off Pay Over Time, Enroll Again! (Targeted)

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These might be some of the easiest points you’ll ever earn.

American Express has recently targeted many cardholders with a promotion to earn 20,000 American Express Membership Rewards points by simply enrolling in the Pay Over Time feature. This is Amex’s feature allowing you to carry a balance on certain expenses and – you guessed it – pay it off over time.

Just check this link to see if you’ve been targeted for a 20,000-point bonus on an American Express card like The Platinum Card® from American Express, or the American Express® Gold Card, or even the American Express® Green Card. Unfortunately, co-branded Amex cards like Delta SkyMiles cards or from Hilton won’t qualify for this bonus.

That may sound great unless your American Express card is already enrolled in Pay Over Time as you wouldn’t be eligible for the bonus. But as Frequent Miler reports, you can head to the following link on the American Express website and unenroll your card from the Pay Over Time feature.

And by doing so, you may be eligible to receive that same 20,000-point bonus on the same card by re-enrolling in Pay Over Time again. It could take a week or more for another Pay Over Time bonus to show up on your account – and it may not reappear at all. Still, it’s worth trying.
amex pay over time

We tested this out a few weeks ago on the American Express® Gold Card. I unenrolled from the Pay Over Time feature, and a few short days later, I was again targeted for the 20,000 point bonus. The below offer appeared in my Amex Offers section on my Gold card account.

As with all Amex Offers, this is targeted. An offer to re-enroll in Pay Over Time won’t be available for all cardholders.
amex pay over time


What is Amex Pay Over Time?

The Pay Over Time feature from American Express allowing its flagship cards like the Platinum, Gold, and Green cards to function more like traditional credit cards. Unlike traditional credit cards, many Amex cards do not have preset spending limits. That means you’re not able to carry a balance from month to month – your bill must be paid in full each and every month. No Preset Spending Limit means the spending limit is flexible. [In fact,] unlike a traditional [credit] card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

But Amex Pay Over Time flips that on its head. It allows cardholders the ability to finance eligible purchases over time by paying interest, much like a traditional credit card.
Amex Pay Over Time

Even if you have no plans to use the benefit or carry a balance – you should never carry a balance, anyways –  American Express will give you 20,000 Membership Rewards points just for enrolling in Pay Over Time, regardless of whether you actually use it. Just keep in mind this offer is targeted and not available for all cardholders. If you’ve previously enrolled in Pay Over Time, you’ll want to follow this link to unenroll and see if another offer to enroll appears in the next few days.

I was targeted for this promotion on my American Express® Gold Card. And just for clicking a few buttons to enroll, Amex awarded me with 20,000 Membership Rewards points!

If you haven’t yet enrolled in Amex Pay Over Time, simply check this link to see if you are targeted.
amex pay over time


Bottom Line

If you hold an American Express card like the Amex Platinum, Gold, or Green Card, check to see if you are targeted for this promotion to earn 20,000 Membership Rewards points for enrolling in the Amex Pay Over Time feature. If you are already enrolled, follow this link to unenroll and see if another offer appears to enroll for 20,000 more points.

If you’re targeted, these will be some of the easiest points you’ll ever earn. And remember, you don’t actually have to use the benefit to receive the points.


Check This Link to See if You Are Eligible for the Pay Over Time Bonus


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