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 charge card (ie Platinum, Gold etc) more like a normal credit card by paying balances off over an extended period. 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.
- Earn 20,000 Membership Rewards by enrolling a targeted charge card in Pay Over Time.
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.
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. A few things to keep in mind:
- Once the points have been awarded, make sure to unenroll the card so that you are eligible to be targeted again (see Stephen’s post on how to do it). If you have cards currently enrolled in Pay Over Time, get them unenrolled pronto.
- 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, switch to another card and checking the landing page again. It is possible to have some cards targeted and not others.
Good luck and may the rewards be ever in your favor!