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:
Update 10/27/18: Three new links available to try:
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
View Comments (763)
Do we have to keep it turned "on" for any minimum time after receiving the points? I seem to remember seeing that somewhere but am not certain.
I haven't seen anybody reporting a clawback for turning it off after receiving the points. @guest_1892937
I received this promotion on Aug 13, 2024 for my Gold card. Promotion offer expiration 9/5/2024. I have never received such an offer. Email subject: Activate Pay Over Time Today and Earn 20,000 Membership Rewards® points
Received an email regarding this deal. Pleasantly surprised since I haven’t been targeted for quite a while!
Not sure how this happened but it appears my Gold Biz was already enrolled. Maybe it sets that as the default at sign up?? Grrr. Just turned it off now hoping to be targeted in the future. Just a heads up for others in case this isn't isolate or a user error on my part.
Yes, by default it is turned on for Amex charge cards when approved.
Activated Friday afternoon and points posted Sunday. Much quicker than some previous experiences.
Logged in and was targeted for Plat under "Useful links"
Where did you find the Useful Links tab?
Didn't see an email but got the offer on Amex Plat for 20K. Expires August 1.
Points posted in about 3 days.
Targeted on Amex Gold, but not Amex Plat. The Platinum card was enrolled in POT at some point but that was turned off a couple of years ago.
Curious - has anyone been targeted for this on any business card?
Thank you - P2 was targeted on his personal gold card. Going back through my spreadsheet, we've gotten this credit 3 other times, but they were all on the plat card. We both got it in 2022, P1 a year later in 2023 and now P2 on the gold in 2024.
Shows up in my AMEX Offers, but says "This promotion is invalid or no longer available." when I click to activate it.
Update: posted within 30 min