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American Express Pay Over Time
Keep your eyes open for Pay over time offers on your Amex charge cards. DOC provided a direct link ( and history of the offer), but another round of Amex Pay Over Time bonuses have populated. I just received an email offering 10k to enroll in Amex Pay Over Time on my Amex Gold, and I gladly accepted. Easiest 10k you’ll ever earn. I believe this is my 4th card that has offered me this feature…thanks Amex for the 40k points.
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. 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.
Additionally, you may receive an email that looks like this:
You’ll get a notification on terms:
After enrolling…Wham bam
The points, in my experience have shown up far faster
I added this on March 31st…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?
Don’t forget to check and see if you’re targeted for an Amex Gold 50k and Amex Plat 75k offers
Chase Sapphire Preferred
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Got the mailer and almost tossed it out. Called in and got signed up. Points credited within 24 hours.