American Express Pay Over Time 10,000 Point Offer | How It Works

American Express Pay Over Time is a program that lets you pay eligible charges of $100 or more over time with interest. The program is usually targeted to charge card holders with an open account older than 12 months.

Pay Over Time lets you treat your charge card like a credit card.

Pay Over Time 10,000 MR Point Offer (Targeted)

If you have a charge card like the Amex Platinum or the Amex Gold Card, you can check if you are targeted for the offer.

Link for Feb 2019 promo (Targeted):  

Pay Over time

Pay Over time

How Pay Over Time Works

  1. Enroll in Pay Over Time

  2. Make an eligible charge of $100 or more

  3. Pay the balance in full, the minimum amount due, or any amount in between

The eligible charge must be $100 or more to qualify for Pay Over Time. Once the eligible charge is made, you can choose to pay the balance in full each month, pay the minimum amount due, or anything in between.

There is no enrollment fee for the program. One of the benefits of Pay Over Time is that you don’t have to “pay over time” to receive the 10,000 point offer; you can just enroll and pay the statement balance in full.

I don’t recommend paying interest on anything if you don’t need to. It’s also worth mentioning that the interest rates are high, ranging from 14-25%.

Bottom Line

The Pay Over Time promotion pops up for enrollment from time to time, but sometimes, there’s not a promotional offer. Enrolling without a promo could potentially disqualify you from getting targeted for an offer in the future (think user acquisition cost).

If you’re targeted for the 10,000 point offer, this is a good opportunity to earn additional points. As a reminder, you don’t need to carry a balance and pay interest to qualify for the points.

Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain, vendors or companies, and have not been reviewed, approved, or otherwise endorsed by any of these entities. 

UGC disclosure: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.