pay over time 20,000 point bonus
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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.

If you are in a cash crunch, you should avoid travel rewards credit cards until you are caught up. Here are our favorite credit cards for Intro 0% APR offers and for balance transfer offers

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:

amex pay over time 20,000

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.


Let me know below in the comments, on Twitter, or in the private MilesTalk Facebook group.

And if this post helped you, please consider sharing it!

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.

yottaWhat is Yotta Savings?: The Yotta Savigs account is a really fun way to earn interest at a higher rate than Marcus while having some fun each night when the Yotta prize ball drops. Currently, the statistical odds imply a net savings rate of between around 1% and 3% - at a time when banks like Marcus are offering a paltry 0.5%. Plus, it's fun! | Read my review of Yotta.

I got "in the game" in 2003 and since then I've collected literally millions and millions of frequent flyer miles and hotel points. I've flown around the world in first class seats that would cost $29,000 using frequent flyer miles and a few bucks in tax. And I've stayed in some of the finest hotels - all for free! A few years ago I realized many of my friends actually thought I was paying for these!! So I started sharing my tips. It's long been a passion, but when I hosted a session on Miles and Points at this year's South by Southwest festival, my love of the game intensified and this blog was born.



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