[Targeted] 10,000 Membership Rewards Points for Opting-In to Extended-Payment

The Offer

From time-to-time Amex targets some people with an offer to get bonus Membership Rewards points for enrolling in their extended payment option. Many people are finding this offer now in their Amex login, alongside other Amex Offers.

  • Get 10,000 bonus Membership Rewards points when you enroll your card for the extended payment option
  • All reports that I’ve seen indicate that no hard pull is done when enrolling in the pay-over-time option
Screen Shot 2016-05-10 at 4.33.02 PM

Image from Milestomemories http://milestomemories.boardingarea.com/amex-pay-over-time-10k-bonus/

The difference between a credit card (Blue Cash, Everyday, SPG, etc.) and a charge card (Platinum, Green, Gold, etc.) is that credit cards offer the option to pay the balance over time while charge cards do not. Amex offers us to enroll for the pay-over-time option on charge cards, essentially converting the charge card into a credit card.

Most people should have the option to enroll in pay-over-time, but only select people will see the 10,000 bonus offer. And only on charge cards. In the past, this offer has been found more often on business charge cards, not personal cards. You may even be offered 10k for each card charge card separately.

We don’t recommend that anyone actually use the pay-over-time option as it will incur huge interest fees. You get the bonus simply for enrolling; no need to carry any balance.

The Fine Print

  • Offer valid through 11/01/2016
  • Points will be credited to your account within 6-8 weeks after enrollment is approved (reportedly, the points post within a few days, typically)

Our Verdict

Easy way to rack up 10k Membership Rewards points, it surprises me that they offer so much for a simple act of enrolling. Apparently, it works…

Hat tip to Milestomemories and Reddit

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oldest most voted

mommafrica (@guest_272465)
July 2, 2016 22:34

Hello. I’ve been scrolling through for a while. Didn’t you have the near same promo for the Hilton Honors? It was 10K pts for adding an authorized user. I applied for it, got the card but misplaced the terms. I’m trying to find the site/page again please.
I thought it was you who 1st put it out there. It just recently expired.

William Charles
July 3, 2016 19:57

Here you go: https://www.doctorofcredit.com/ymmv10000-hilton-points-adding-additional-user/, found it by searching for ‘hilton’ on the site just for future reference! 🙂

P (@guest_258406)
May 12, 2016 19:54

I am already enrolled in this feature. I called to unenroll my PRG and the CS Rep said I cannot enroll again in the future for any of the features. I told him to go ahead anyway since it doesn’t matter whether or not I’m enrolled or not.

On the plus side, he said I could get 2500 points for adding an authorized user!!! Yaay. There’s currently no authorized user on my account.

dan (@guest_258060)
May 11, 2016 13:15

anyone knows that ach push from discover will count as a dd? tia

dan (@guest_258061)
May 11, 2016 13:17

wrong post; meant for the almagated bank bonus

smoky (@guest_258049)
May 11, 2016 12:40

I received this offer in the postal mail, though with a different offer validity date.

While I would welcome an easy 10K points, like Nick (above) I’m wondering how this might alter my longer term relationship with AMEX.

Nick (@guest_258019)
May 11, 2016 11:25

I also wonder if the pay over time feature would negate the “charge card” aspect and it would be considered a credit card thereby limiting the number of cards one can get. Also, having both charge cards and credit cards diversifies one’s credit and would yield a higher credit score. So if doing this means that it would be considered a credit card and not a charge card, then you are possibly screwing yourself for only 10K points.

Joan (@guest_258005)
May 11, 2016 09:33

A word of caution. I was targeted for this offer on my Business Rewards Gold card in Sep 2015, but they never honored it. I had chatted with them several times over the course of 6 months to check when my points would be deposited but they kept on saying that they were investigating the issue and would have a resolution in 4-6 weeks. Each time was the same response. Finally, the last customer rep I spoke to said that they never offer MR points for signing up for the Pay Over Time option. I even had the mailed offer and screenshot of the signup confirmation, but they still would not honor it. Total waste of time. I would be very cautious and try to get a written confirmation from them first.

William Charles
May 11, 2016 22:50

File a complaint with the CFPB.

P (@guest_257946)
May 11, 2016 02:30

I don’t have the offer. I wonder if it’s because my account is only 11 months old

steven (@guest_257864)
May 10, 2016 17:57

I wonder if opting in would then count this Charge card as a Credit card against the amex 4 Credit card limit.

Bill S
Bill S (@guest_257858)
May 10, 2016 16:59

I looks like I enrolled in pay over time when I first got my Premier Rewards Gold Card. Any idea how to un-enroll? I’ve looked but don’t see the option. I’m guessing I’ll never get targeted for one of these offers as long as I’m already enrolled.

Couches (@guest_257900)
May 10, 2016 21:14

Seems that you have to call in. Found in FAQ under ‘Pay Over Time’ under account.
How can I remove the Flexible Payment Option from my Card?

>How can I remove the Flexible Payment Option from my Card?

To terminate your participation in the Flexible Payment Option, you must notify us by calling us at the telephone number on the back of your Card. Termination of your participation will be effective when we process your request. Any new charges posted to your account after your termination date must be paid in full by the payment due date on your statement. If you have a Pay Over Time balance when you terminate your participation, you must make at least minimum due payments until the balance is paid in full.

cc (@guest_257907)
May 10, 2016 22:14

Thanks for digging. Just called to cancel it. Finger crossed that this offer magically shows up after a while.