The Easiest 20,000 Amex Points You Can Get

I don’t think there is much in miles and points that provides as much joy as earning 20,000 American Express Membership Rewards points for clicking one button.

American Express really wants you to enroll your charge cards in a product called Pay Over Time.

What is Pay Over Time?

This feature places eligible purchases of $100 or more on American Express charge products like the Gold and Platinum cards into a Pay Over Time balance within your account and these purchases can be paid over time (as the name implies!) but with interest.

It turns these cards into hybrid cards of sorts – part charge and part credit.

The 20,000 Point Offer

In the past, I’ve been offered 10,000 points to turn on Pay Over Time

Today, on my Amex Rose Gold Card, I was offered 20,000 points to turn it on!

I was simply browsing Amex Offers on my various cards and when I clicked into my Gold Card, it was the first offer:

Here are the full terms:

If You Don’t Have the Pay Over Time Offer

There’s not much you can do to get targeted, but you may be enrolled in Pay Over Time and not even know it! Head over to the Pay Over Time page and turn if off if it’s on. That’s the only way to hopefully get the offer.

Thoughts?

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You can find credit cards that best match your spending habits and bonus categories at Your Best Credit Cards. 

New to all of this? My “introduction to miles and points” book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers.