Amex Pay Over Time Bonus

Amex Pay Over Time Bonus

Update (Sept 15, 2021) – More people are targeted for this Amex Pay Over Time bonus. Check the link below or the Amex Offers section as the offer is showing up there as well. Usually the offers are for 10,000 but recently we have seen the bonus doubled to 20,000 Membership Rewards points offer.

American Express is once again targeting some cardholders with an offer to earn 10,000 Membership Rewards points just for enrolling in “Pay Over Time” program. We see this Amex Pay Over Time bonus from time to time, and today more people have received emails with the offer. It’s good to see this bonus again, especially after the news that Green, Gold and Platinum Business Cards will be automatically enrolled in “Pay Over Time”.

What Is Pay Over Time

The “Pay Over Time” program is available for American Express charge cards and it basically makes them credit cards, as you don’t have to pay in full by your due date. DON’T DO THIS. Always pay your credit card balances in full. But it is an option that you can sign up for, without having to actually use it. Wait for a bonus to sign up to do so. American Express currently offers these charge cards:

  • Platinum Card
  • Business Platinum Card
  • Gold Card
  • Business Gold Card
  • Green Card
  • Business Green Card
  • Plum Card


American Express if offering 10,000 Membership Rewards points when you sign up and are approved for ‘Pay Over Time’ on your credit card. This is a targeted offer. Amex has sent it to some members by mail or email. There’s no hard inquiry to opt in ‘Pay Over Time’. Here’s a links that you can test out, and a new one was added today.

Offer Page

Offer Terms

  • Must be targeted for this offer
  • Must be enrolled in Membership Rewards Program from American Express
  • Only one offer per American Express OPEN Business Card account
  • Points will post within 6-8 weeks after enrolling

Guru’s Wrap-Up

This Amex Pay Over Time bonus is quite generous. You get 10,000 or 20,000 Membership Rewards points with less than 30 seconds of work. If you are eligible, then it is definitely worth it. There’s no hard inquiry and you do not actually have to carry a balance to get the bonus. You just need to enroll.

HT: YouFoundSugarMan

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