HomeCredit CardsAmexAmex Targeting More Cardholders For Easy Bonus Points (Pay Over Time)

Amex Targeting More Cardholders For Easy Bonus Points (Pay Over Time)

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American Express is back with another set of offers targeted at cardholders who have yet to sign up for its Pay Over Time option. As far as I can tell there are at least two different offers in the wild (one for 10,000 and one for 20,000 points) and as even I’ve been targeted for an offer this time around, it looks as if the targeting may be quite broad.

The Offers

My Platinum Card account is showing an offer of 10,000 points for signing up to Amex’s Pay Over Time option (the offer first appeared as a pop-up and is now appearing among my Amex Offers)…

a screenshot of a computer a close up of a text

…but there are reports over at Doctor of Credit that suggest that a less common 20,000 point offer is also doing the rounds.

Note: I did not receive an email from American Express to let me know that I had been targeted – the offer just appeared in my account.

Which Cards?

Holders of the following cards are eligible to be targeted (if not already enrolled):

Link to how Amex Pay Over Time Works

The Key Details

These are the details from the offer in my account.

  • Only one offer per Card account is permitted, and points will be credited to your program account within 8‑12 weeks after you activate Pay Over Time.
  • Maximum 10,000 points per account.
  • Terms and Conditions for the Membership Rewards program apply.
  • You must activate Pay Over Time by 04/03/2021 to be eligible for this offer.
  • Different activation offers may be available through different channels such as phone.
  • The activation bonus included with this offer may not be available if you activate Pay Over Time through a different channel.
  • If your setting is set to active at 8:00 pm ET, then eligible charges of $100.00 or more on that calendar day will be automatically added to your Pay Over Time balance. If you change your setting after 8:00 pm ET, your new setting will be effective starting the next calendar day.
  • If you’re carrying a Pay Over Time balance from your last billing period, you’ll be charged interest from the transaction date.
  • If you pay your Account Total New Balance in full by the Payment Due Date each month, you will not be charged interest on charges that are automatically added to your Pay Over Time balance.
  • When you activate Pay Over Time, your Pay Over Time Limit may be reassessed and could increase or decrease, but it will not be less than $1,000.

Make sure you take note of the fact that the terms and conditions say that different offers are available through different channels – if you’ve been targeted for the 10,000 point offer it may be worth a call to Amex to see if there’s a better offer available by phone (you don’t have anything to lose).

Bottom Line

American Express is now targeting select cardholders for between 10,000 and 20,000 points for signing up to its Pay Over Time program (you don’t actually have to use the Pay Over Time Option, you just have to sign up for it). As I value Membership Rewards Points at 1.5 cents each, this effectively represents an offer of between $150 and $300 for very little effort so, If you’ve been targeted, this is your lucky day.

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  1. We don’t seem to have this offer in the UK. Following travelingformiles it seems to me that US cardholders get many more such deals than UK ones. Is that right, does anybody know?

    • Yes, the deals in the U.K. usually pale into insignificance when compared to the bonuses and deals offered in the US.

      When it comes to credit cards, the U.K. was never really a great market for consumers and the cap on interchange fees killed any chance that things would improve.

  2. I got a 20K offer on my Gold card, just several months after deactivating it on my Platinum. Don’t know if it’s related, but I’ll take the points!

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