We may receive a commission when you use our links. Monkey Miles has partnered with CardRatings for our coverage of credit card products. Monkey Miles and CardRatings may receive a commission from card issuers. Monkey Miles is also a Senior Advisor to Bilt Rewards Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. We appreciate you using our links!!!
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
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?
Monkey Miles has partnered with CardRatings for our coverage of credit card products. Monkey Miles and CardRatings may receive a commission from card issuers.
A Monkey Miles favorite for beginners and point pros alike – a staple of our wallet that earns Premium transferrable Ultimate Rewards. $95 annual fee
♥ Earn 60k Bonus Points after $4k Spend in 3 months
♥Points are transferrable to over dozen partners, or redeemable for 1.25c in Chase travel
♥5x on travel purchased via Chase Travel and 2x everywhere else
♥3x on dining, including eligible delivery services, takeout and dining out
♥3x on select streaming
♥ 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs
♥ $50 Annual Credit on hotel stays purchased via Ultimate Rewards. *New cardmembers can get this credit immediately – existing cardmembers get it after anniversary
♥ 10% Anniversary Point Bonus. Spend $10k in a year, get 1k bonus points.