Update: Based on feedback, I believe this will only work for Business Charge cards.
Even though charge cards from American Express generally have to be paid off in full each statement cycle, American Express has a program called Pay Over Time that allows charge card holders the “benefit” to enjoy flexible payment options instead of paying off the balance in full. Of course, no one should ever take advantage of this benefit as you will get hit with a large APR but American Express lets you enroll in this feature even if you never have any intention of using it. To promote it, American Express is offering 10,000 Membership Rewards Points per eligible charge card to enroll in Pay Over Time to targeted members and I think there is a chance you could be targeted without knowing it.
At one point in time, almost anyone was able to signup for this promotion to receive the 10,000 MR points but American Express has cracked down on this and allows only targeted users to receive the bonus. However, someone recently shared with me a link that was working for some people (though not everyone) to enroll in this service and earn 10,000 Membership Rewards points. I gave it a shot and clicked this link which leads to a screen asking you to log in to your American Express account. Even though I hadn’t received the offer directly from American Express, I tried it for my 2 eligible cards (Business Platinum and Business Gold) and it worked! Remember this offer will only work on charge cards such as the Platinum, Premier Rewards Gold or Business Gold cards.
Here is the direct link to the offer – www.americanexpress.com/openpayovertime87
Considering you don’t actually have to take advantage of this benefit (and you really shouldn’t), if you happen to be targeted for this, it is a no-brainer to take advantage of this. I know some people hate seeing posts about targeted offers but considering this takes all of 10 seconds to check, I think this is worth posting about.
Share your results in the comments!