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American Express Pay Over Time
Time after time, American Express Pay over Time has been one of the easiest ways to accrue Amex points. Simply add the feature to your card, and get some easy points. A new round of offers have hit accounts at 30k points. Personally, I’ve never gotten more than 20k targeted on any of mine, so this is massive, but there is a bit of confusion because the email says 30k, but when I populate the portal to do it…it says 20k. I’ll let you know what they end up honoring, but head’s up that 30k offers are out there!
Update – The portal continued to populate the 20k offer, and I ended up just accepting. A couple days later, it awarded me 30k just like the email had said. So that’s good news!
What is American Express Pay Over Time?
You’ll find these offers associated with Amex charge cards because, by default, a charge card requires you to pay off the balance in full each, and every, month. What the Amex Pay Over Time feature allows, after accepting, is the ability to pay certain transactions, over $100, over time with interest.
Usually, you’ll get targeted for Pay Over Time without a bonus, but if you wait long enough, an offer with points will arrive.
How Can I check if my account is signed up?
Go to account services, manage pay over time, and then you can make it inactive. Often times, you’ll get retargeted.
Ways to get an American Express Pay Over Time Offer.
The first is in your account in Amex Offers. It’ll look something like this:
Go here to see if your account is targeted, but mine was emailed to me and isn’t showing up in my account.
Additionally, you may receive an email that looks like this:
You’ll get a notification on terms:
This is where my offer went from 30k to 20k. It also gave me an error message to try again later. I’ll keep giving it a go online before I call in just to see if it evolves.
After enrolling…Wham bam
This is what you’ll see once you activate
How quickly do the bonus points populate?
In the past it was added the next day
Analysis
As discussed, these will only be offered on charge cards which means you’re already accustomed to paying off your cards in full every month ( which you should 100% being doing on every card you have ), and this feature would allow you to pay them over time but pay interest – something I ardently advise against. Enjoy the extra 10k, pay your bills on time, and don’t run up debt. It’s really a generous offer that Amex continues to provide on a regular basis. Have you been targeted?
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Chase Sapphire Preferred® Card
Welcome Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
- 5x on all travel purchased through Chase Travel℠
- 3x on dining, including eligible delivery services for takeout & dining out
- 3x on select streaming services
- 3x on online grocery purchases
- (excluding Target, Walmart and wholesale clubs)
- $50 Annual Chase Travel Hotel Credit via Chase Travel℠
- The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
- 2x on all other travel
- 10% Anniversary Bonus
- Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
- Chase Sapphire Preferred continues to redeem at 1.25c in the Chase Travel℠ and the slew of other benefits remain in tact including Auto Rental Collision Damage Waiver ( primary ), purchase protections, etc.
- Points are transferrable to 14 Ultimate Rewards partners
- Redeem in Chase Travel℠ for 1.25 cents per point
- No foreign transaction fees
- Suite of Travel and Purchase Coverage
- Auto Rental Collision Damage Waiver is my favorite
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- $95 Annual Fee
We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.
Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
The Chase Sapphire Preferred® is exceptional starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.
If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex® and Chase Freedom Unlimited® or the business versions: Ink Business Cash® , Ink Business Unlimited® you can combine the points into Preferred account and transfer into hotel and airline partners
Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.
The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.