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
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
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.
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
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.
Mine still didn’t post yet. Any luck on yours?
Nothing yet, but it hasn’t been 8-12 weeks.
Mine posted by the way. Mine was credited under rewards summary as “Adjustments”
I’ve received 20K, waiting on another 20K.
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.
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?
same here. can see the offer but can’t add. tried chat but asked me to call the number on letter
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?
*receives ~10 paper mail and email targets over the course of six months*
All of them say “invalid” or other such nonsense.
Feelsbadman
same, were you able to find a workaround?
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!
This promotion is either invalid or no longer available.
The new link updated on Oct 11 leads me to “We’re having trouble finding the page you’re looking for.”
“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”?
Got my points over the week-end. Took a couple of calls but thanks Amex !
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.
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.