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Earn an Easy 20-30K Amex Points by Enrolling in Pay Over Time (Targeted)

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

American Express has been targeting more and more cardholders with a promotion to earn up to 30,000 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.

This is a targeted offer available on Amex Membership Rewards cards like The Platinum Card® from American Express or the American Express® Gold Card. Some cardholders may have received an email with the offer, while others may see it show up among their Amex Offers. Otherwise, check this link to see if you've been targeted. We've seen some offers of 20,000 points for enrolling in Amex Pay Over Time and others for 30,000 points.

Unfortunately, co-branded Amex cards like Delta SkyMiles cards or from Hilton won't qualify for this bonus.

Already registered for Pay Over Time on your Amex card? Don't worry. In the past, it has worked to unenroll from that feature, wait a few days, and then get targeted for the bonus to sign back up. 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.

Just follow this link to the American Express website and unenroll your card from the Pay Over Time feature.

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 

You don't even have to use this feature to earn the bonus: You can simply turn it on, earn the bonus points, and pay off all your charges in full – as you should be doing on all credit cards.

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.

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 or 30,0000 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 or even 30,000 Membership Rewards points for enrolling in the Amex Pay Over Time feature.

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 this feature to receive the points after registering.


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


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