Targeted: Earn 10,000 Easy AMEX Membership Rewards Points

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Targeted:  Earn 10,000 Easy AMEX Membership Rewards Points

Million Mile SecretsTargeted:  Earn 10,000 Easy AMEX Membership Rewards PointsMillion Mile Secrets Team

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

Are you one of the lucky folks who got an email offer to earn 10,000 easy AMEX Membership Rewards points?

Via Reddit, AMEX is offering 10,000 AMEX Membership Rewards points to certain cardholders who enroll their charge cards in “Pay Over Time” by May 13, 2017!

It’s a no-brainer to sign-up if you’re eligible.  Plus, you’ll get extra flexibility in how you use your AMEX charge card!

AMEX Pay Over Time Bonus
Transfer 10,000 AMEX Membership Rewards Points to Delta for a Free Coach Award Flight From Toronto to Miami!

I’ll tell you what you need to know about this deal!

Easy 10,000 Bonus AMEX Membership Rewards Points

Link:   AMEX Pay Over Time

Link:   Enroll in AMEX Pay Over Time

Most cards that earn AMEX Membership Rewards points are charge cards, NOT credit cards.  The difference is that charge cards do NOT allow you to carry a balance each month.  They must be paid off in full.

However, AMEX has a program called Pay Over Time, which allows you to carry a balance on your charge cards.  And right now, certain folks are being targeted for 10,000 AMEX Membership Rewards points when they enroll their card in the program!  But you must be approved by May 13, 2017.

Some folks who didn’t receive an email have reported they’ve been approved for the deal by calling 866-280-0566 and giving the offer code “CF2O:0004″.  This code is for personal cards only, like the:

Here are a few things you should know:

  • As long as an eligible purchase is $100+, AMEX will give you the option to pay over time.
  • This code will likely NOT work with small business cards
  • it’s highly unlikely that you’ll earn the bonus multiple times for enrolling more than 1 card
  • You can NOT un-enroll a card to re-enroll it with this promotion
  • It doesn’t look like you need to USE the Pay Over Time option.  You just need to enroll and be approved by May 13, 2017

Note:   Folks on Reddit seem to be coming across different complications.  So if you’ve been targeted for this offer, make sure to save your emails and take screenshots of the deal.  That way if something goes wrong, you have proof!

Is This a Good Deal?

It is NEVER a good idea to carry a balance on your travel rewards cards.  That’s because the interest you’ll pay each month will outweigh the travel rewards you’ll earn.

AMEX Pay Over Time Bonus
The Cash You’ll Spend on Interest Charges by Carrying a Balance Isn’t Worth the Miles & Points You’ll Earn From Spending

That said. more options is always a good thing!  And even though you should NEVER carry a balance on your cards, you never know if an emergency will arise and you’ll need to.

If you’re targeted for this offer, it’s a no-brainer to enroll.  Just do everything you can to NOT carry a balance.

AMEX Membership Rewards points can be very valuable, after all!  Check out my Ultimate Guide to AMEX Membership Rewards points.

Bottom Line

Folks targeted for the latest AMEX promotion can earn a bonus 10,000 AMEX Membership Rewards points for enrolling their AMEX Membership Rewards points-earning charge cards in the Pay Over Time program.

Carrying a balance is NEVER a good idea, but if you’ve been targeted for this offer, you should definitely sign-up!  You do NOT need to carry a balance to earn the bonus points.  And it’s nice to have the flexibility to carry a balance in case unexpected expenses arise.

Did you receive an email for this offer?

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Terms Apply | Rates & Fees

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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I have a personal Amex Morgan Stanley card. The offer to enroll was on my cards home account page, with nothing about 10,000 points. I called and gave them the code. I enrolled and they said I would get the points in 6-8 weeks. They sent me an email, I enrolled and hopefully will get the points.

I just called but they told me that I have not been envited yet,

gave them the code and still didn’t work.

I have a personal AmEx PRG card. I didn’t receive an email for this offer. I called the number provided in your post and asked about the promotion. The agent was familiar with the program and after around 5 minutes of description and disclaimers I was enrolled. Was told I would see my 10,000 bonus in 6-8 weeks. Yay. Thanks for the tip.