Amex Pay Over Time Bonus, Get Up to 20K Membership Rewards Points (New Links)

by Donna Ryder

Amex Pay Over Time Bonus

Update (Jul. 13, 2022) – New links available ( LINK 1 , LINK 2 ). Also make sure you unenroll from Pay Over Time so you can get targeted for these offers. You can also do this after getting the POT bonus, and hopefully you get targeted again. (HT: DoC)

Update (Jun. 15, 2022) – New activation link for a 20K points bonus that seems to be working for many people today. Check your cards again. Plus new emails have been sent out, so take a look at your inbox as well.  You can try other links as well ( LINK 1 , LINK 2 ).

Update (Mar. 31, 2022) – Here’s a new link for a 30,000 Membership Rewards offer. I received this offer for one of my Amex Platinum cards. Offer expires 04/21/2022. It shows 20K bonus for me after I click, and it’s also giving me an error. I plan on trying again tomorrow, or maybe chatting with a rep and ask to enroll. Let me know if it works for you. 

Activate Pay Over Time to earn 30,000 Membership Rewards points. To be eligible to earn Membership Rewards® points, you must be enrolled in the Membership Rewards® program at the time you activate Pay Over Time. Only one offer per Card account is permitted, and points will be credited to your program account within 8‑12 weeks after you activate Pay Over Time.

Offer Page

Update (Oct. 23, 2021) – More people are targeted for this Amex Pay Over Time bonus. Check the link below or check the Amex Offers section as the offer is showing up there as well. Usually the offers are for 10,000 but recently we have seen the bonus doubled to 20,000 Membership Rewards points offer.

American Express is once again targeting some cardholders with an offer to earn 10,000 Membership Rewards points just for enrolling in “Pay Over Time” program. We see this Amex Pay Over Time bonus from time to time, and today more people have received emails with the offer. It’s good to see this bonus again, especially after the news that Green, Gold and Platinum Business Cards will be automatically enrolled in “Pay Over Time”.

What Is Pay Over Time

The “Pay Over Time” program is available for American Express “Pay over Time” cards and it basically transforms them into regular credit cards, as you don’t have to pay in full by your due date. DON’T DO THIS. Always pay your credit card balances in full when possible. But it is an option that you can sign up for, without having to actually use it. Wait for a bonus to sign up to do so. American Express currently offers these Pay over Time cards:

  • Platinum Card
  • Business Platinum Card
  • Gold Card
  • Business Gold Card
  • Green Card
  • Business Green Card
  • Plum Card


American Express if offering 30,000 Membership Rewards points when you sign up for ‘Pay Over Time’ on your credit card. This is a targeted offer. Amex has sent it to some members by mail or email. There’s no hard inquiry to opt in ‘Pay Over Time’. Here’s a links that you can test out, and a new one was added today.

Offer Page

Offer Terms

  • You must enroll in the Membership Rewards Program from American Express
  • Only one offer per American Express OPEN Business Card account
  • Points will post within 6-8 weeks after enrolling

Guru’s Wrap-Up

This Amex Pay Over Time bonus is quite generous. You get 10K, 20K, or 30K Membership Rewards points with less than 30 seconds of work. If you are eligible, then it is definitely worth it. There’s no hard inquiry and you do not actually have to carry a balance to get the bonus. You just need to enroll.

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