More Pay Over Time Offers Sent Out – An Easy 10K In Points!


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More Pay Over Time Offers Sent Out – An Easy 10K In Points!

We have seen a few different Pay Over Time offers from American Express being reported in our Facebook Group.  These are some of my favorite offers out there and come with 10,000 FREE Membership Rewards points.

What Is Pay Over Time

If you are not familiar with Pay Over time here is a quick run down of the program. This program essentially changes your charge card into a credit card for large purchases. Here is how Amex describes the benefits:

  • No fee to enroll.
  • Added flexibility to pay eligible charges over time with interest.
  • Simply choose each month to pay in full, the minimum amount due, or anything in between. It’s your choice.
  • All eligible charges of $100 or more can be paid over time.

And for turning this feature on American Express will give people 10,000 points.

Where Do You Find The Offers

These offers come via regular snail mail or sometimes people find them in their Amex Offers section of their account when logged in.  Remember that these offers will only appear for charge cards. Most people are reporting getting them in the mail this time around.

RELATED: What I Have Noticed With Those 10K Pay Over Time American Express Offers


These offers are some of my favorite. There is not an easier 10K offer out there.  Just remember to activate it but don’t actually use the service since that would mean you are paying interest.

Let me know in the comments section if you were targeted.


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  1. I had my identity stolen about a year ago and the credit bureaus put me on the service where you don’t receive solicitations via the mail anymore … as such, I never get these offers like I used to.

    Anyone know if there’s a way to remove / downgrade the fraud alert to allow this?

    I’m sure for the average person, having it is great, but not in the churning/etc biz.

  2. This is why I never enroll when applying for the card, they make it really easy to hit that “yes” button.

  3. Do you know if this is per card? I did this on my amex plat 1 year ago and now I opened a Gold card and was wondering if some people has gotten the offer on two different charge cards.

    • Yeah each card is eligible for the bonus. I would guess you may see it around the 1 year mark for the Gold card.


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