[Targeted] AmEx 20,000 Membership Rewards Points For Enrolling In Pay Over Time

Update 1/31/25: More targeted at this link (ht MEAB)

Update 7/26/24: Another round went out, showing up in AmEx Offers (ht reader John and to DDG)

Update 10/11/22: More people targeted with this link. Hat tip to pdawg43

Update 9/28/22: More people targeted.

Update 9/7/22: More people targeted over e-mail.

Update 7/13/22: Two new links to try: one, two (ht freewillyz)

Update 7/10/22: Generic link working for people.

Update 6/21/22: Another two links to check: one, two (ht garettg and plaid-knight)

Update 6/16/22: Another link to check and another link here and another (ht stillwaters23 and pra_vda and Duck D)

Update 6/14/22: Check the link again.

Update 6/1/22: Worth checking the link again now as many people who weren’t targeted last week are now seeing this targeted offer. (ht PlaySmart5000)

Update 5/25/22: Many people are seeing the 20k offer now over the past few hours, even those cards that were not targeted in the rollout last week. Link here

Update 5/18/22: More people showing the 20k over on the generic page found here.

Update 5/2/22: 20k point offer showing for some at the generic pay over time page found here. Hat tip to reader TY

Update 3/31/22: More people targeted.

Update 2/2/22: new link. Hat tip to Matthew.

Update 1/12/22: New link. Hat tip to stillwaters23

Update 12/3/21: New link. Hat tip to MtM

Update 10/23/21: New link. Hat tip to MtM

Update 10/3/21: New link to try. Hat tip to krokodil83

Update 9/15/21: More people targeted. Hat tip to YouFoundSugarMan

Update 8/26/21: More people targeted.

Update 7/2/21: More people targeted.

Update 4/29/21: More targeted.

Update 4/24/21: More people targeted.

Update 4/12/21: More people targeted for the 20,000 offer.

Update 3/25/21: 20k offer showing for more people under the statements & activity screen, can also try this link. Hat tip to reddit user BUT_WHY_MALE_M0DELS

Update 3/2/21: Some people are now seeing a 20,000 point offer when logged in.

Update 2/16/21: Another round has gone out at this link. Hat tip to abmo224

Update 9/10/20: Another round has gone out. Surprised to see this after American Express started auto enrolling cardholders. Hat tip to
Adam K.

Update 6/9/20: Another targeted link now available. Hat tip to TwelveBall

Update 5/19/20: Another link now available. Hat tip to DDG

Update 2/18/2020: Another link now available. Hat tip to corxion

Update 2/11/2020: Another link now available. Hat tip to trumanthepug

Update 1/15/2020: Another link now available. Hat tip to OMGitzSARS

Update 1/3/2020: Another link now available. Hat tip to coljung

Update 11/15/19: Another link now available. hat tip to MtM

Update 10/15/19: Another link available here. Hat tip to reader kcihtred2

Update 9/20/19: Another link available here. Hat tip to reader qmc

Update 9/17/19: Another link available here. Hat tip to JonLuca

Update 8/27/19: Another link available here. Hat tip to jasonalanmorgan

Update 8/13/19: Another link available here. Hat tip positivecontrol

Update 8/2/19: Another link available here. Hat tip to mc1nc4

Update 7/31/19: Another link available here. Hat tip to garettg

Update 7/2/19: Another link available here. Hat tip to Andrew D

Update 6/24/19: Another link available here. Hat tip to Andrew D

Update 6/21/19: Another link available here. Hat tip to BUT_WHY_MALE_M0DELS 

Update 6/2/19: Another link here. Hat tip to ClosertothesunNA.

Update 5/27/19: Another link here. Hat tip to CericRushmore

Update 5/21/19: More people targeted, new link here. Hat tip to reader ping

Update 5/9/19: More people targeted, new link here. Hat tip to lobonomnom

Update 5/3/19: More targeted, new link here. Hat tip to alexischase

Update 4/23/19: More people targeted, doesn’t seem to be a link to try this time unfortunately.

Update 4/10/19: Another day, another link to try. Hat tip to garettg

Update 4/4/19: Try this link. Hat tip to Aloha808

Update 3/12/19: Try this link. Hat tip to syr_eng

Update 3/7/19: New round has gone out.

Update 2/19/19: Here’s a new link (login required) which is working for a lot of people. You can also try calling 1-866-281-4438 and mentioning Offer Code: GCOR:0004. Hat tip to Uscreditcardguide.

Update 2/16/19: Another round, this time the link to try is: global.americanexpress.com/lending/extended-payment-options/offer?identifier=MHR. Hat tip to krex42

Update 1/24/19: Another round of offers has gone out.

Update 12/20/18: Another round of offers has gone out, check your e-mails to see if you are targeted.

Update 12/5/18: Another new link. This time courtesy of veeRob.

Update 11/27/18: Looks like another round went out. This time the link is: https://americanexpress.com/ExPOenroll68. Hat tip to zackiv31

Update 11/21/18: MtM is reporting another round of targeted people. I don’t see any new links, but if anybody finds one please share it in the comments.

Update 11/07/2018: Another round of people targeted. New links to try:

• One

Update 10/27/18: Three new links available to try:

• One
• Two
• Three

Hat tip to The_Fartful_Codger

Snail mailers have also been sent out, so keep an eye out for those as well. Hat tip to nickohrn

The Offer

Links seem to be unique this time, check your regular mail & e-mail to see if you’ve been targeted (share any subject lines of e-mails in the comments below). One subjectline is ‘

• American Express are currently offering selected charge cardholders 10,000 points when they enroll Extended Payment Option

The Fine Print

• Email subject line is ‘You Qualify for a Flexible Payment Option’. People also being targeted via snail mail.
• Another: Congratulations, <name>! You’ve Been Selected to Enroll in a Flexible Payment Option

Our Verdict

Fingers crossed we get a generic link to see if you are targeted or not. This is a fairly common offer, it’s not worth enrolling without this 10,000 bonus (sometimes they offer an interest free period but I’d wait for this offer). You should (hopefully) be paying off your credit card balance in full every month anyway.   If you have any questions about Pay Over Time (e.g hard/soft pull) I’d recommend reading through our F.A.Q on the topic found here. You don’t actually need to use the pay over time feature to get the 10,000 bonus points, you must simply enroll in it. The short of it is that it’s definitely worth doing if you’re targeted, just don’t actually use the feature and pay all of your credit card bills in full and on time.

Thanks to reader @MrBillington for providing the picture