[Targeted] 20,000 Membership Rewards Points For Enrolling In Pay Over Time

Update 10/11/22: More people targeted with this link. Hat tip to pdawg43

Update 9/28/22: More people targeted.

Update 9/7/22: More people targeted over e-mail.

Update 7/13/22: Two new links to try: one, two (ht freewillyz)

Update 7/10/22: Generic link working for people.

Update 6/21/22: Another two links to check: one, two (ht garettg and plaid-knight)

Update 6/16/22: Another link to check and another link here and another (ht stillwaters23 and pra_vda and Duck D)

Update 6/14/22: Check the link again.

Update 6/1/22: Worth checking the link again now as many people who weren’t targeted last week are now seeing this targeted offer. (ht PlaySmart5000)

Update 5/25/22: Many people are seeing the 20k offer now over the past few hours, even those cards that were not targeted in the rollout last week. Link here

Update 5/18/22: More people showing the 20k over on the generic page found here.

Update 5/2/22: 20k point offer showing for some at the generic pay over time page found here. Hat tip to reader TY

Update 3/31/22: More people targeted.

Update 2/2/22: new link. Hat tip to Matthew.

Update 1/12/22: New link. Hat tip to stillwaters23

Update 12/3/21: New link. Hat tip to MtM

Update 10/23/21: New link. Hat tip to MtM

Update 10/3/21: New link to try. Hat tip to krokodil83

Update 9/15/21: More people targeted. Hat tip to YouFoundSugarMan

Update 8/26/21: More people targeted.

Update 7/2/21: More people targeted.

Update 4/29/21: More targeted.

Update 4/24/21: More people targeted.

Update 4/12/21: More people targeted for the 20,000 offer.

Update 3/25/21: 20k offer showing for more people under the statements & activity screen, can also try this link. Hat tip to reddit user BUT_WHY_MALE_M0DELS

Update 3/2/21: Some people are now seeing a 20,000 point offer when logged in.

Update 2/16/21: Another round has gone out at this link. Hat tip to abmo224

Update 9/10/20: Another round has gone out. Surprised to see this after American Express started auto enrolling cardholders. Hat tip to
Adam K.

Update 6/9/20: Another targeted link now available. Hat tip to TwelveBall

Update 5/19/20: Another link now available. Hat tip to DDG

Update 2/18/2020: Another link now available. Hat tip to corxion

Update 2/11/2020: Another link now available. Hat tip to trumanthepug

Update 1/15/2020: Another link now available. Hat tip to OMGitzSARS

Update 1/3/2020: Another link now available. Hat tip to coljung

Update 11/15/19: Another link now available. hat tip to MtM

Update 10/15/19: Another link available here. Hat tip to reader kcihtred2

Update 9/20/19: Another link available here. Hat tip to reader qmc

Update 9/17/19: Another link available here. Hat tip to JonLuca

Update 8/27/19: Another link available here. Hat tip to jasonalanmorgan

Update 8/13/19: Another link available here. Hat tip positivecontrol

Update 8/2/19: Another link available here. Hat tip to mc1nc4

Update 7/31/19: Another link available here. Hat tip to garettg

Update 7/2/19: Another link available here. Hat tip to Andrew D

Update 6/24/19: Another link available here. Hat tip to Andrew D

Update 6/21/19: Another link available here. Hat tip to BUT_WHY_MALE_M0DELS 

Update 6/2/19: Another link here. Hat tip to ClosertothesunNA.

Update 5/27/19: Another link here. Hat tip to CericRushmore

Update 5/21/19: More people targeted, new link here. Hat tip to reader ping

Update 5/9/19: More people targeted, new link here. Hat tip to lobonomnom

Update 5/3/19: More targeted, new link here. Hat tip to alexischase

Update 4/23/19: More people targeted, doesn’t seem to be a link to try this time unfortunately.

Update 4/10/19: Another day, another link to try. Hat tip to garettg

Update 4/4/19: Try this link. Hat tip to Aloha808

Update 3/12/19: Try this link. Hat tip to syr_eng

Update 3/7/19: New round has gone out.

Update 2/19/19: Here’s a new link (login required) which is working for a lot of people. You can also try calling 1-866-281-4438 and mentioning Offer Code: GCOR:0004. Hat tip to Uscreditcardguide.

Update 2/16/19: Another round, this time the link to try is: global.americanexpress.com/lending/extended-payment-options/offer?identifier=MHR. Hat tip to krex42

Update 1/24/19: Another round of offers has gone out.

Update 12/20/18: Another round of offers has gone out, check your e-mails to see if you are targeted.

Update 12/5/18: Another new link. This time courtesy of veeRob.

Update 11/27/18: Looks like another round went out. This time the link is: https://americanexpress.com/ExPOenroll68. Hat tip to zackiv31

Update 11/21/18: MtM is reporting another round of targeted people. I don’t see any new links, but if anybody finds one please share it in the comments.

Update 11/07/2018: Another round of people targeted. New links to try:

Update 10/27/18: Three new links available to try:

Hat tip to The_Fartful_Codger

Snail mailers have also been sent out, so keep an eye out for those as well. Hat tip to nickohrn

The Offer

Links seem to be unique this time, check your regular mail & e-mail to see if you’ve been targeted (share any subject lines of e-mails in the comments below). One subjectline is ‘

  • American Express are currently offering selected charge cardholders 10,000 points when they enroll Extended Payment Option

The Fine Print

  • Email subject line is ‘You Qualify for a Flexible Payment Option’. People also being targeted via snail mail.
  • Another: Congratulations, <name>! You’ve Been Selected to Enroll in a Flexible Payment Option

Our Verdict

Fingers crossed we get a generic link to see if you are targeted or not. This is a fairly common offer, it’s not worth enrolling without this 10,000 bonus (sometimes they offer an interest free period but I’d wait for this offer). You should (hopefully) be paying off your credit card balance in full every month anyway.   If you have any questions about Pay Over Time (e.g hard/soft pull) I’d recommend reading through our F.A.Q on the topic found here. You don’t actually need to use the pay over time feature to get the 10,000 bonus points, you must simply enroll in it. The short of it is that it’s definitely worth doing if you’re targeted, just don’t actually use the feature and pay all of your credit card bills in full and on time.

Thanks to reader @MrBillington for providing the picture

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734 Comments
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Chuck
Editor
Chuck(@chucksithe)
April 20, 2023 17:52

Note: you can easily turn off Pay Over Time with one click (so that you’ll be targeted again in the future) by going to this link and toggling to the desired card https://global.americanexpress.com/lending/pay-over-time

Mark
Mark (@guest_1635734)
June 16, 2023 14:26

Anybody recently get an email about a technical error in POT activations?

“Due to a technical error, we were unable to process your Pay Over Time activation with Membership Rewards® points offer. We’re committed to providing you with the best possible experience, which includes letting you know about this error, and offering you the option to activate Pay Over Time and earn 20,000 Membership Rewards points.”

Calling Amex led to an acknowledgement of an error, but nothing else.

Andrew
Andrew (@guest_1645052)
June 30, 2023 22:36

I got a letter in mail that said exact same thing and had a number to call. I think it was just the generic AMEX number and they said they were able to activate POT. I activated it before and then turned it off but got the points before. The rep said I’ll get points but we’ll see if I do. Been about a week already and haven’t

Charlie R.
Charlie R. (@guest_1646599)
July 3, 2023 17:09

I also received 2 of these emails for 2 of my Platinum cards on 6/13/23. Expiration date on the offer was this evening, 7/3/23. I called and was able to activate POT, and the representative verified that I should receive the bonus points for both accounts, 20K MR points for each, within 8-12 weeks.

I previously received 20K points for both of those cards in 2021 and turned off Pay Over Time at a later date.

Andrew
Andrew (@guest_1656624)
July 19, 2023 02:15

Mine still didn’t post yet. Any luck on yours?

Charlie R.
Charlie R. (@guest_1656678)
July 19, 2023 07:44

Nothing yet, but it hasn’t been 8-12 weeks.

Andrew
Andrew (@guest_1665879)
August 3, 2023 23:26

Mine posted by the way. Mine was credited under rewards summary as “Adjustments”

Charlie R.
Charlie R. (@guest_1666287)
August 4, 2023 15:14

I’ve received 20K, waiting on another 20K.

Charlie R.
Charlie R. (@guest_1721457)
October 23, 2023 19:02

I had to contact customer service to get the 2nd 20K (of total 40K) credited, they eventually added them. The description is “Goodwill Adjustment”, lol.

H XU
H XU (@guest_1472732)
October 25, 2022 19:58

question about eligibility

I got a USPS mail with 20K offer for pay over time today

and when I log in Amex online, there is a pop-up windows saying there is such 20K offer

however, when I follow the pop-up link to activate the 20K offer, I see

“You have already activated Pay Over Time per the offer provided.”

My last 20K bonus was in May 2022, so what should I do with this one?

antony
antony (@guest_1477184)
November 1, 2022 12:28

same here. can see the offer but can’t add. tried chat but asked me to call the number on letter

GR
GR (@guest_1465868)
October 15, 2022 03:45

Is the offer available to those who have already activated and used POT before (all paid off)? When I click on the link, it says ‘You’ve already activated Pay Over Time’. Is there a workaround to deactivate this, and be re-targeted for that offer?

turkandjd
turkandjd (@guest_1464602)
October 13, 2022 15:43

*receives ~10 paper mail and email targets over the course of six months*
All of them say “invalid” or other such nonsense.
Feelsbadman

amexbad
amexbad (@guest_1474117)
October 27, 2022 14:53

same, were you able to find a workaround?

DailyGrindit
DailyGrindit (@guest_1463537)
October 12, 2022 14:39

If you’re targeted: Can you share a screenshot of the offer?
Either from email or a pop-up when you log in?

Thanks in advance!

DB
DB (@guest_1462765)
October 11, 2022 17:10

This promotion is either invalid or no longer available.

GK
GK (@guest_1462759)
October 11, 2022 17:03

The new link updated on Oct 11 leads me to “We’re having trouble finding the page you’re looking for.”

Tony
Tony (@guest_1462737)
October 11, 2022 16:34

“Pay Over Time is currently not available.
This Card may not be eligible for Pay Over Time. Contact American Express to find out if your card is eligible for Pay Over Time.”

this is in Personal AMEX Platinum account. Any way to flip to “eligible”?

lilurbanachiever
lilurbanachiever (@guest_1461911)
October 10, 2022 12:57

Got my points over the week-end. Took a couple of calls but thanks Amex !

Valueseeker
Valueseeker (@guest_1458072)
October 4, 2022 09:24

If you had POT and it is now “inactive” does that mean you closed POT and are eligible again?

Just want to make sure I didn’t have to do anything else.

Just Some Guy
Just Some Guy (@guest_1472001)
October 24, 2022 21:27

That is all you can do. Hard to say what makes someone eligible, but I did what you describe and several years later I got the offer.