Amex 20K offer for enrolling in Pay Over Time: Check link to see if you’re targeted

American Express periodically sends out targeted bonus offers of 10,000-30,000 points for enrolling in “Pay Over Time”. This is a feature that allows a cardholder to use a pay over time card (ie Platinum, Gold etc) more like a normal credit card by paying balances off over an extended period (with interest; note that we never recommend carrying a balance that incurs interest fees since the rewards earned will not be worth more than the cost of paying an interest fee). In order to earn the bonus, you just have to enroll in the program, not actually apply it to any charges or balances.

Often, those targeted receive an e-mail or find the offer listed in their account, but the most recent offer of 20,000 points has a link that allows anyone to check and see if they’re targeted. It’s worth checking your AMEX charge cards, as these are some of the easiest Membership Rewards you can earn. (h/t: Miles Earn and Burn)

If you are targeted and activate Pay Over Time, remember to unenroll those cards after ~four months.

The Deal

• Earn 20,000 Membership Rewards by enrolling a targeted Pay Over Time card in the Pay Over Time feature.

Direct Link to check if you’re targeted (must log-in)

If you see a screen with no offer or a screen with the banner below, it means that you’re not targeted on that card:

Keep in mind, the card that you’re checking is the one that’s selected as the default card on your Amex account. You can check other cards by manually selecting them.

Key Terms

• The activation bonus included with this offer may not be available if you activate Pay Over Time through a different channel or previously accepted a Pay Over Time activation offer.
• 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; maximum 20,000 points per account. Points will be credited to your program account within 8-12 weeks after you activate Pay Over Time, as long as your Card account is not canceled or past due at the time of fulfillment of this offer.
• The receipt of Membership Rewards® points through this offer may be considered taxable income to you and may be reported to the IRS on Form 1099.
• Eligible charges can be included in a Pay Over Time balance, up to the Pay Over Time Limit.
• All charges not added to a Pay Over Time balance or monthly payment plan or Cash Advance balance must be paid in full each month by the payment due date.
• Pay Over Time only applies to eligible charges meeting minimum transaction amounts.

Quick Thoughts

If you’re targeted for this offer, it will be the easiest 20,000 points you’ve ever earned, especially since you don’t actually have to use the feature. When you reach the landing page, you will be prompted to log-in. The card that you will be checking is your default/starred card only. If that card isn’t showing an offer, you can select different Membership Rewards-earning cards to see if any of those display an offer. It is possible to have some cards targeted and not others.

Good luck and may the rewards be ever in your favor!

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