1,500 American Express Bonus Points For Opting-In to the Extended Payment Option

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I’ve been fortunate to receive a number of targeted offers from American Express lately. I always find the recurring 100,000 targeted offer for the Business Platinum American Express card interesting, but I find this 1,500 point offer equally interesting. In this post series we share (1) how to increase your chances of being targeted for special promotions by American Express, (2) a 1,500 bonus for opting-in to an extended payment option and (3) a rather large targeted bonus point offer.

What Is The Extended Payment Option

First of all, this 1,500 bonus offer and the service is not offered to all American Express card members, so you must be targeted. You can check if you even qualify for the service here, but the link is not for the targeted 1,500 point offer.

Update: Gary from View From The Wing points to 5,000 and 10,000 point offers for the save service. But these of course are targeted at select members as well. Still, may be worth trying them out to see if you qualify.


The extended payment option provides members with flexibility by essentially turning a charge card into a credit card. For example, my targeted offer was for 1,500 points if I add the feature to my Platinum card. This allowed me to convert my Platinum Card® from American Express from a charge card into a credit card. This would allow me (if I chose to which I won’t) to pay off a portion of my total bill at the end of the month. I strongly recommend staying within a budget and not spending more on a credit card than you can realistically pay off IN TOTAL at the end of each month.

There is no fee to enroll in the service. On each monthly bill eligible charges over $100 will be denoted with a symbol to illustrate what can be paid over time. Again, I’d suggest just signing up for the offer to get the points but actually paying off the full credit card bill each month in full. While there are no fees for the service, the interest fees are pretty hefty. The quoted Annual Percentage Rate (APR) for the Pay Over Time feature varies, but is determined by adding Prime Rate plus 14.99%, currently (as of the time of this post) at 18.24%!!! A penalty APR of Prime Rate plus 23.99% will be added to an account if one or more late payment is made.

How To Earn 1,500 Bonus Points

Earn 1,500 American Express Membership Rewards points after enrolling in the Extended Payment Option. Review the targeted offer provided by American Express and give them the 8 alphanumeric code. Then sign the form that was provided and return to them by the stated time on the offer invite. My offer provided about 2 months to get the signed letter back to American Express. The offer also stated that you must be enrolled in the Membership Rewards program at the time of enrollment in the Extended Payment Option, but I doubt anyone reading this Points, Miles & Martinis post with an American Express card hasn’t already signed up. The 1,500 points will be credited to accounts 6-8 weeks after enrollment is approved. There is a maximum 1,500 points per account.

Bottom Line

Personal credit is a very valuable asset and should not be taken for granted. I always reccomend staying to a budget and paying off credit card balances in full each month.

This targeted offer provides 1,500 extra American Express Membership Rewards points for adding a no fee feature to your account. But if you aren’t careful with making your payments each month, you’ll be hit with a pretty hefty interest fee.

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Editorial Note: Opinions, analyses, reviews or suggestions expressed on this site are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This post was accurate at the time of posting, offer may be unavailable on this site at a later time. For details on current offers visit the card issuer’s site.

About The Weekly Flyer

The Weekly Flyer writes about travel from a business traveler perspective. He travels the world every week accumulating points and miles along the way.

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  1. Recently, I got a 10k offer for the extended pay option, which I accepted. I have the Amex Platinum and two other cards.The way I got the offer was that I called up Amex to ask about which one of my cards were free of foreign transaction fees. At the end of the call they presented me with the 10k offer.

  2. Hi, do you still have the 100k amex plat offer codes, could you pass it on so I can try to apply, Thanks

  3. I placed a call to AMEX on nickfromct’s suggestion, but after some discussion on foreign transaction fees and other topics with the CSA, he did not offer me the option. So I brought it up myself and he told me that I’m not yet eligible (I got the card in Jan.; is that too soon?) but to keep an eye out for a future offer from them. Oh well, thanks anyway.

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