American Express is offering select cardholders an easy opportunity to earn a generous bonus of 20,000 Membership Rewards points. The best part? You don’t need to spend anything extra or pay interest to qualify. All you need to do is activate the Pay Over Time feature on your eligible Amex card. Let’s dive into the details of this offer and how you can take advantage of it.
What Is Pay Over Time?
The Pay Over Time program is a feature available on select American Express charge cards. Typically, these charge cards require you to pay the balance in full each month. However, with Pay Over Time, you have the flexibility to carry a balance—though it accrues interest, just like a regular credit card.
Why Activate Pay Over Time?
While carrying a balance and paying interest is never advisable unless necessary, Amex’s current offer allows you to earn the 20,000-point bonus simply by activating the Pay Over Time feature. You are not required to actually use it or carry a balance. That means you can enroll, earn the bonus, and continue paying your bill in full each month without incurring interest.
Eligible Cards for Pay Over Time
Amex currently offers Pay Over Time on the following charge cards:
- Platinum Card®
- Business Platinum Card®
- Gold Card®
- Business Gold Card®
- Green Card®
- Business Green Card®
- Plum Card®
If you have one of these cards and receive an invitation for this offer, activating Pay Over Time can be a quick and effortless way to rack up extra rewards points.
How to Enroll
- Click here – Log in to your American Express account to see if you’ve been targeted for this promotion.
- Activate Pay Over Time – If eligible, follow the instructions to enroll in the feature.
- Earn 20,000 Membership Rewards Points – Once activated, you should receive the bonus points in your account, typically within a few weeks.
Can You Unenroll?
Yes! If you don’t plan to use Pay Over Time, you can always unenroll after 121 days.
Final Thoughts
This is a great opportunity for select American Express cardholders to earn 20,000 Membership Rewards points with minimal effort. Since activation is free and there’s no requirement to carry a balance, it’s a smart move if you’re eligible. Just remember to always pay your statement in full to avoid unnecessary interest charges.
Click here to see if you qualify for this limited-time offer!