{"id":59213,"date":"2025-02-07T14:00:29","date_gmt":"2025-02-07T14:00:29","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=59213"},"modified":"2026-04-08T14:09:17","modified_gmt":"2026-04-08T14:09:17","slug":"amex-pay-over-time-bonus-points","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/blog\/amex-pay-over-time-bonus-points\/","title":{"rendered":"Easy 20k Bonus Points: Here&#8217;s How to See If You&#8217;re Targeted for This Amex Pay Over Time Bonus"},"content":{"rendered":"<p class=\"remark\"><em>Eligibility is limited for the Amex Offers discussed in this post. Enrollment is required in the Amex Offers section of your account before redeeming.<\/em><\/p>\n<p>American Express occasionally sends targeted offers to Card Members to activate its Pay Over Time feature. These promotions often include generous Membership Rewards bonuses \u2014 sometimes worth tens of thousands of points. Here\u2019s what you need to know about Pay Over Time and how to check if you\u2019re eligible for the current (and lucrative) offer.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#What_Is_American_Express_Pay_Over_Time\">What Is American Express Pay Over Time?<\/a><\/li><li><a href=\"#20000_Membership_Rewards_Bonus_for_Activating_Pay_Over_Time\">20,000 Membership Rewards Bonus for Activating Pay Over Time<\/a><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"What_Is_American_Express_Pay_Over_Time\">What Is American Express Pay Over Time?<\/span><\/h2>\n<p>Pay Over Time is a feature\u00a0that allows American Express Card Members to carry a balance on certain charges \u2014 with interest. Amex describes it as follows:<\/p>\n<blockquote><p><em>\u201cPay Over Time gives you the flexibility to pay for eligible charges over time, with interest. Eligible charges are automatically added to your Pay Over Time balance up to your Pay Over Time Limit.\u201d<\/em><\/p><\/blockquote>\n<p>While the added flexibility can be useful, interest rates can be very high. However, you only pay interest if you carry a balance. If you pay your statement in full each month, you can activate, earn the promotional bonus, and never pay a dime in interest.<\/p>\n<p>New Green, Gold, and Platinum card accounts are automatically enrolled in Pay Over Time, and the feature is initially set to Active. That\u2019s why it\u2019s important to keep track of your account; you don\u2019t want to accidentally carry a balance and get hit with interest charges, which can undermine your <a target=\"_blank\" href=\"\/credit-cards\/how-is-credit-score-calculated\/\" rel=\"noopener\">credit score<\/a>. That said, if you don\u2019t want to use Pay Over Time, you can always pay in full.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/amex-pay-over-time\/\" rel=\"noopener\">How To Unenroll From Amex Pay Over Time (And Why It's a Good Idea)<\/a><\/strong><\/p>\n<h2><span id=\"20000_Membership_Rewards_Bonus_for_Activating_Pay_Over_Time\">20,000 Membership Rewards Bonus for Activating Pay Over Time<\/span><\/h2>\n<p>If you haven't already activated Pay Over Time, Amex sometimes sends out targeted offers to encourage you to opt in. These promotions can be a great opportunity to earn <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/\" rel=\"noopener\">Membership Rewards<\/a> points with minimal effort.<\/p>\n<figure id=\"attachment_79711\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/543\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-79711 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/12\/Amex-Pay-Over-Time-bonus-masked-300x217.jpg\" alt=\"Amex Pay Over Time pop up\" width=\"750\" height=\"543\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/12\/Amex-Pay-Over-Time-bonus-masked-300x217.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/12\/Amex-Pay-Over-Time-bonus-masked-1024x741.jpg 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/12\/Amex-Pay-Over-Time-bonus-masked.jpg 1267w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: American Express<\/em><\/enter><\/figure>\n<p>Here\u2019s what you need to know about the current Pay Over Time activation offer:<\/p>\n<ul>\n<li>Targeted Card Members can earn 20,000 Membership Rewards for activating Pay Over Time.<\/li>\n<li>There\u2019s no cost to activate and no requirement to use the feature.<\/li>\n<li>Eligible Cards:\n<ul>\n<li><a data-ccid=\"4048174\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-green-card\/\">American Express<sup>\u00ae<\/sup> Green Card<\/a><\/li>\n<li><a data-ccid=\"4028085\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-gold-card\/\">American Express<sup>\u00ae<\/sup> Gold Card<\/a><\/li>\n<li><a data-ccid=\"4028089\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-platinum\/\">American Express Platinum Card<sup>\u00ae<\/sup><\/a><\/li>\n<li><a data-ccid=\"4028099\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-business-green-card-review\/\">Business Green Rewards Card from American Express<\/a><\/li>\n<li><a data-ccid=\"4028093\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-business-gold\/\">American Express<sup>\u00ae<\/sup> Business Gold Card<\/a><\/li>\n<li><a data-ccid=\"4028096\" href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-business-platinum\/\">The Business Platinum Card<sup>\u00ae<\/sup> from American Express<\/a><\/li>\n<li><a data-ccid=\"4028097\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/amex-plum-card\/\">The Plum Card<sup>\u00ae<\/sup> from American Express<\/a><\/li>\n<\/ul>\n<\/li>\n<li>Bonus points typically post within 8\u201312 weeks after activation.<\/li>\n<\/ul>\n<p>To see if you're targeted for the Pay Over Time promotion, check your email (or mailbox) for an offer from Amex. You can also log into your account and visit the <a target=\"_blank\" href=\"\/news\/amex-membership-rewards\/amex-offers\/\" rel=\"noopener\">Amex Offers<\/a> page to see if it's available elsewhere. Additionally, <a target=\"_blank\" href=\"https:\/\/www.americanexpress.com\/en-us\/account\/login?DestPage=https%3A%2F%2Fglobal.americanexpress.com%2Flending%2Factivatepayovertime%3Fsrccd%3D2222222EU\" rel=\"noopener\">try this direct activation link<\/a> to check for eligibility.<\/p>\n<p>You won't be eligible for the bonus if you\u2019ve previously activated Pay Over Time, or if you have accepted this offer on your card account in the past.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/amex-rewards-cards\/\" rel=\"noopener\">Cards That Earn Amex Membership Rewards Points<\/a><\/strong><\/p>\n<h2><span id=\"Final_Thoughts\"><b>Final Thoughts<\/b><\/span><\/h2>\n<p>Amex frequently encourages Card Members to activate Pay Over Time, but not all invitations come with bonus points. Before activating, double-check that your offer includes Membership Rewards points so that you don't miss out on a potential 20,000-point windfall.<\/p>\n<p>If you are eligible for this offer, don\u2019t wait \u2014 activate right away! It\u2019s one of the easiest ways to earn extra Amex points with minimal effort. And you don't even have to use the feature to get the points.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>American Express sometimes targets Card Members with Pay Over Time offers, often including generous Membership Rewards bonuses worth tens of thousands of points. Here\u2019s what to know about Pay Over Time and how to check if you\u2019re eligible for the latest lucrative offer.<\/p>\n","protected":false},"author":99,"featured_media":147807,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12069],"tags":[12790,13888],"coauthors":[36477,36400],"class_list":["post-59213","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-american-express","tag-deals"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/59213","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/99"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=59213"}],"version-history":[{"count":61,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/59213\/revisions"}],"predecessor-version":[{"id":256780,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/59213\/revisions\/256780"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/147807"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=59213"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=59213"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=59213"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=59213"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}