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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 20k points. Personally, I’ve never gotten more than 10k targeted on any of mine, but my dad just got that phatty 20k yesterday. Easiest 20k he’s ever earned ( well… maybe second to adding his links to the site and earning referral poitns lol ). I’ve had 4 of my 5 non Amex credit cards offer me Pay Over time bonuses, all at the 10k level. I recently picked up an Amex Business Gold so hopefully that will get targeted as well.
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.
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 here is the latest that was sent to me.
Here is the latest offer at 20k
Once you click activate now…you’ll be directed to this:
Additionally, you may receive an email that looks like this:
You’ll get a notification on terms:
After enrolling…Wham bam
How quickly do the bonus points populate?
I added this on March 31st…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
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