10K Amex Pay Over Time Bonus Follow-Up: How Long to Post, Hard Inquiry or Not & Getting Two Bonuses at Once

This post may contain affiliate links; please read our advertiser disclosure for more information.
Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Links in this post may provide us with a commission.

Amex Pay Over Time Bonus

Amex Pay Over Time Bonus Follow-Up

Last week I logged into my American Express Business Platinum account and was offered 10,000 Membership Rewards points to enroll in their “Pay Over Time” program. This program allows you to actually carry a balance on the charge card and pay it over time. I covered the details of my offer and the program in my previous post.

In that post quite a few people had questions about how long it takes for the bonus to post, whether or not there is a hard inquiry and whether it is possible to get the bonus on more than one card at the same time. Since I know all of those answers now, I thought I would follow up.

Getting the Bonus Twice?

Although the 10K offer was only on my Business Platinum, when I clicked to enroll, the website showed me that my Business Green card was also eligible for the bonus. After looking through the fine print, I confirmed that each account can get a bonus, so I enrolled both. Would I get both bonuses? Well, it only took 3 days for me to find out.

Amex Pay Over Time Bonus
Cha-ching!

As you can see, both bonuses posted and quickly! This means that you are able to get the 10K bonus on each eligible card. In my case, the offer wasn’t even showing on my Green card, but it did show when I clicked it from the Business Platinum. I take this to mean that as long as a card shows up after clicking the targeted offer, that it is eligible.

Hard Inquiry?

The other big question was whether or not enrolling in Pay Over Time would trigger a hard credit inquiry. Thankfully I can report in my case that no hard inquiry was performed. This is in line with the experiences of others, but I suppose that could always change. I was prepared for the hard inquiry just in case, but I am definitely glad that they didn’t run my credit.

Conclusion

If you are targeted for an Amex Pay Over Time bonus then it might be an easy way to pickup some Membership Rewards points without much hassle. In my case it took three days for the 20K points to post and I didn’t have my credit run. That is a win/win and a great deal if you ask me.

Shawn Coomerhttps://www.milestomemories.com
Since 2007 Shawn Coomer has been circling the globe with his family for pennies on the dollar. He uses that first-hand knowledge and experience to teach others how to achieve their travel dreams for the least amount of money possible.

More Like This

6 COMMENTS

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

6 COMMENTS

  1. I signed up for this with my business Platinum & Green cards on 5/6 and haven’t received the bonus as of 5/12. It was offered on both cards.

LEAVE A REPLY

Please enter your comment!
Please enter your name here

SoFi Money $50 Bonus!

Super easy bonus! Sign-up and deposit $500 or more and they'll pay you $50! That's it!
Grab Your $50 SoFi Bonus Now!

moomoo - 2 Free Stocks!

Brokerage app moomoo is offering 2 Free Stocks! Just open an account and fund with $500 to get your stocks! Super easy.
Grab your 2 free stocks now!
BoardingArea

Subscribe To Our Newsletter

Join thousands of MtM readers who are subscribed to receive a once daily email with all of our posts. Never miss out!

You have Successfully Subscribed!