Free 5,000 or 10,000 Membership Rewards points for “pay over time” enrollment

American Express charge cards offer no pre-spending limit and you must pay your full balance on each statement.

American Express is now offering a pay over time option to allow you to pay these charges over time on eligible $100 or higher charges. They also want to incentivize you by offering you free Membership Rewards points just for enrolling. There is no fee to enroll.

There is the 5,000 Membership Reward option for non-Platinum cards

There is also the 10,000 Membership Reward option for Platinum cards

I would recommend taking screen shots of both the enrollment page and the registration complete page and as always, your mileage may vary. The credit should appear in 6-8 weeks.

I certainly would recommend paying your balance in full each month even if you enroll in this promotion.

Thanks to texasman for the tip


  1. That’s. A great offer. This is the rebranding of sign and travel. I use it to carry over end of month charges that are reimbursed by my clients so I am not out of pocket while waiting for a check.

  2. is this available on the business cards too? this only came up for me on my premier rewards gold…

  3. Do you have to have a balance when applying for this. I get a message that says were sorry but were unable to approve your request.

  4. i just sent amex a secure message and they said they couldn’t find the promo. i sent them the link with the promo code and I am waiting for a reply. I assume it should work.

  5. “We’re sorry but we are unable to approve your request. If you have questions, please call the customer service phone number on the back of your Card.”

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