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(More People Targeted) An Easy 20K-30K Membership Rewards For Pay Over Time Offers

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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.

Update 10/15/22: More people targeted, check your Amex Offers / emails and (Try This Link) – HT DoC

Update 9/10/22: More people targeted via email.

Update 7/13/22: There are two more links you can try. Link 1 / Link 2. (HT DoC)

Update 6/18/22: We are still getting reports in the Facebook Group of people getting this offer (sometimes for a second time). It is worth checking this link again.

Update 6/7/22: We are getting more reader reports of getting targeted via email. Others had said they were eligible via this link even when they weren’t just a week or two ago.

Update 5/28/22: A ton of people have been targeted over the past week. I received at least 10 confirmations people seeing 20K offers when trying this link. Some even checked it the week before and had nothing.

Update 5/16/22: Got a few reports from readers that they had offers pop up when logging into their Amex accounts.

Update 5/7/22: A new link to try (HT DoC)

Update 4/2/22: A new link to try. (FYI – some have been having issues activating it online)

More Pay Over Time Offers Sent Out – An Easy 20K In Points!

We have seen a few different Pay Over Time offers from American Express being reported in our Facebook Group.  These are some of my favorite offers out there and come with 10,000 FREE Membership Rewards points.

What Is Pay Over Time

If you are not familiar with Pay Over time here is a quick run down of the program. This program essentially allows you to break down large purchases into multiple payments. Here is how Amex describes the benefits:

  • No fee to enroll.
  • Added flexibility to pay eligible charges over time with interest.
  • Simply choose each month to pay in full, the minimum amount due, or anything in between. It’s your choice.
  • All eligible charges of $100 or more can be paid over time.

And for turning this feature on American Express will give people 10,000 points.

Where Do You Find The Offers

These offers come via regular snail mail or sometimes people find them in their Amex Offers section of their account when logged in.  Remember that these offers will only appear for select cards that normally require a payment in full each month. Most people are reporting getting them in the mail this time around.

RELATED: What I Have Noticed With Those 10K Pay Over Time American Express Offers


These offers are some of my favorite. There is not an easier 10K offer out there.  Just remember to activate it but don’t actually use the service since that would mean you are paying interest.

Let me know in the comments section if you were targeted.

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.

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Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Mark Ostermann
Mark Ostermann
Mark Ostermann is a father, husband and miles/points fanatic. He left the corporate world after starting a family in order to be a stay at home dad. Mark is constantly looking at ways to save money and stay within budget while also taking awesome vacations with his family. When he isn't caring for his family or taking a weekend trip, Mark is working towards his goal of visiting every Major League Baseball ballpark.

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.


  1. Can this be repeated? Turn off then on…if so how long do u recommend leaving on after bonus received, before turning off to see if re-targeted? Any clawbacks?

  2. Thanks for posting this. The link opens the enrollment page for me, but no mention of bonus on the page. Does that mean I am not targeted?

    • Yeah means you aren’t targeted for now 🙁

      I’d check back every few weeks though. Lots of people getting targeted even a week or two after last checking.

  3. Tried the link for my Gold card again today and it worked for 20k points! Alright! Thanks MTM! I also got the 10k add an authorized user offer a week ago. Keep the points coming Amex!

  4. I got a targeted email for the first time and the link won’t work. Been trying for 3 days. I guess i have to break down and call them. Shouldn’t have this nonsense in 2022.

    • I figured it would be fixed by now once the system was back up and running. We had to call in but they just posted this morning.

  5. […] 2. There’s a new American Express targeted 20,000 points bonus floating around the community for turning on “Pay Over Time”. Check your charge cards at this link. Note that for me it leads to an offer for 20,000 points for adding an Authorized User which obviously has nothing to do with Pay Over Time. Either way I’m happy to take 20,000 points. (Thanks to DDG) […]

  6. I just tried the link and got 20,000 points for enrolling. Thanks!! You guys are awesome. Love your podcast.

  7. No go on my Gold card. However, my AF will post at the end of the month (first year). So from what I read here, there is still a chance I’ll could see it.
    I am also inquiring about any retention offers. I love the card and it’s earning structure, but due to my rural location, have very limited use of the card benefits that help defray the AF.

      • Hi Mark,
        Just talked to AMEX and was told there were no retention offers available for my gold card. First time I ever tried to get a retention offer, maybe I don’t have the schpeel down correctly or didn’t know how to respond when they said no… but eh…. I tried.
        Still love the card.. it fits my situation greatly so I have no problem keeping it.

        • Sometimes they just don’t have them for a particular card but will for some of your other ones. It never makes sense to me.

  8. @Mark. Here’s a recent data point. I received the 10k for activating Pay Over Time email last week, and today I received a 20K offer for activating Pay Over Time when I logged in via my phone / AMEX app.

  9. Be VERY cautious. I signed up for this many years ago when it first launched back in 2007. I put about $4500 in pay over time charges. THEN the financial crisis hit and I lost my job. I was late 4 days .. yes FOUR days on a payment when I was waiting for unemployment. Amex demanded ALL pay over time charges due immediately and closed my account. I never pay my credit cards over time… this was the only time I did it and oh boy did it hurt me when I was hurting the most and AMEX closed the account and sent it to a place called GC services. Only bad mark in my credit in my history. No other creditor behaved like this. If you use pay over time, just make sure you always have access to quickly pay it off!

    • I also lost 65,000 MR rewards points in the process. Ended up paying the original amount of $. GC services sued me but I just ended up settling for $4500 out of court. They wanted over $8000 in interest and charges. What a bad experience a true nightmare. I take accountability for being young and stupid but AMEX was so bad in the way they handled it. I could have paid them $4500 plus interest over time, kept my credit rating and never had to deal with that mess. Just giving caution.

  10. I received this offer about 2 weeks ago via email. Took advantage of it immediately, but still no points. Data Point, I am 2 months away from my 1 year anniversary and this was on my Amex Platinum.

  11. So you can’t do this more than once, right? Like opt in and then opt out, wait to be targeted again – rinse and repeat?

  12. I have to say, I’m new to Amex….maybe 5 months into it. I can tell you in the beginning I was quite taken by them, BUT….I’m am sooo tired of having to follow up on every airline credit, every Saks credit, many restaurant point credits. I feel like I have to ASK them to correct so many things manually. These are things that Chase does almost instantly and automatically and without error (ever). I was very drawn to Amex’s rich point offerings…4X points for restaurants/groceries, 5x airfare…but I’m rapidly finding them to be much more of a hassle than they are worth. For anyone who is anal about consistency and rules, this company is a nightmare…..anyone else feel this way or am I off base?

    • Their IT does seem to be pretty poor and they have more hoops than anyone else for sure. But they also have the most cards, the best bonuses, awesome spending offers, huge upgrade offers etc. so I grit my teeth and take it 🙂

      • You’re right…at least it feels good to know I’m not the only one noticing these faults. And I just made out like a bandit with the Ziprecruiter promotion/statement credit on the Amex gold business card, so I’ll cope. 🙂

  13. Darn!
    You Are Already Enrolled
    Our records indicate that you are already enrolled in the Pay Over Time Option on this registered Business Card. If you have any questions, please call the customer service phone number on the back of your Card.

  14. I’m getting the offer in the mail every few weeks even though I signed up for it almost two months ago!

    The pay over time feature used to allow you to toggle it on or off. Now it seems automatic. Any idea how to toggle it to off? I can’t find a way. I’m on auto pay and I don’t want to actually use pay over time. And I don’t want to cancel it too soon for fear of them yanking back my bonus.

    • I am not sure how to turn it on or off. Maybe chat with them and see what they say. I wouldn’t worry about it if you are paying the bill in full every month it won’t matter either way.

  15. I only started getting these this year and only on two personal cards that have annual fees due. I thought it was only when you’re card is up for renewal but then I got it on the Biz Gold right about the time they announced the changes to the card even though annual fee is not due until Jan/Feb.

  16. Do you know if this is per card? I did this on my amex plat 1 year ago and now I opened a Gold card and was wondering if some people has gotten the offer on two different charge cards.

  17. This is why I never enroll when applying for the card, they make it really easy to hit that “yes” button.

  18. I had my identity stolen about a year ago and the credit bureaus put me on the service where you don’t receive solicitations via the mail anymore … as such, I never get these offers like I used to.

    Anyone know if there’s a way to remove / downgrade the fraud alert to allow this?

    I’m sure for the average person, having it is great, but not in the churning/etc biz.


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