Advertiser Disclosure

Advertiser Disclosure

The credit card offers that appear on are from credit card companies from which this site possibly receives compensation. This compensation may impact how and where credit card offers appear on this site. This site possibly does not include all available credit card offers.


How To Unenroll From Amex Pay Over Time And Earn Rewards

- Jun 19, 2022 Credit Card Info0 comments

Pay Over Time is a feature on select American Express business cards which allows you to pay your balance overtime, with interest. 

When you use an Amex business card that features Pay Over Time, your purchases will automatically go into your Pay Over Time account, up until the end of the Pay Over Time period.

At the end of a billing cycle, you can choose whether to pay up your full credit card balance or whether to leave some balance in your Pay Over Time account, so that you can pay it up slowly with interest.

Pay Over Time is found on Charge cards. Charge cards are different from credit cards in that the balance on charge cards must be paid in full every month, which is why Pay Over Time is an exciting feature for a charge card holder who wishes to pay their balance over time.

Pay Over Time can be found on the Amex Business Centurion, The Business Platinum Card from American Express, American Express Business Gold Card, Business Green Rewards Amex Card, Business Centurion, Business Gold Rewards, Amex Business Green, Executive Business, Small Business and Business Purchase Account Cards. 

Recently, Amex has been targeting cardholders with bonus points for enrolling in Pay Over Time. 

But how can you get those offers if you are already enrolled in Pay Over Time?

By unenrolling from Pay Over Time, you can earn bonus points before you enroll again.

How you can earn targeted offer points

Enrolling in Pay Over Time is automatic. If your card has the feature, you are automatically enrolled, unless you change your account settings and inactivate Pay Over Time.

If you would like the chance of earning targeted bonus offers for enrolling in Pay Over Time, you need to first unenroll yourself

Once you are unenrolled from Pay Over Time, you can wait to be targeted for an offer that you get for enrolling in Pay Over Time. If you are targeted for an offer, just re enroll and you will get the bonus. 

Once you re enroll, wait to earn the bonus points. It may take a few days to actually earn the points.

After you earn the bonus, you can choose to unenroll again from Pay Over Time so that you can earn future offers.

How to unenroll from Pay Over Time to re enroll

To unenroll, log in to your account here and go to Manage Pay Over Time. Choose the option of Pay Over Time Inactive, versus Pay Over Time Active. Once you submit the changes you will have been unenrolled.

Now you can wait to be targeted for offers to earn 10k-30k bonus Amex points!

More pros for unenrolling

Besides being eligible for targeted offers, you can also benefit in another way by unenrolling from Pay Over Time.

The only cards that feature Pay Over Time are charge cards, since credit cards always allow you to pay your balance over time with interest. Some data points suggest that Amex may start looking at your charge cards as regular credit cards if you keep paying your balances with Pay Over Time, and that Amex will include the charge cards as part of the max 5 Amex credit cards you can have. This might limit the cards you can keep or open in the future.

These data points are not 100% guaranteed.

Frequently asked questions
Does pay over time on Chase consumer cards affect your credit?
Not more than just a regular credit card balance

Was this article helpful?

Sam Sam has nearly a decade's worth of experience educating his many readers on everything credit. Sam spends his days checking out credit cards for a full report, from the minute benefit details to the shebang of welcome bonuses. Plus studying the ins and outs of building proper credit. It’s his favorite pastime and he loves sharing it with others.

Leave A Comments

This site uses Akismet to reduce spam. Learn how your comment data is processed.


Recent Posts

Follow us

Click here to subscribe to
our WhatsApp channel

best offers

Ink Business Preferred Credit Card

Earn 100,000 points after spending $15,000 within the first 3 months.

more info

New Business Card! Ink Business Premier(SM) Credit Card

Earn $1,000 after spending $10,000 within the first 3 months.

more info

The Platinum Card from American Express

Earn 80,000 points after spending $6,000 within the first 6 months (terms apply).

more info

American Express Gold Card

Earn 90,000 points after spending $4,000 within the first 6 months. Plus, earn up to $200 statement credits on purchases within the first 3 months (you will get back what you swipe), up to $200 in credits. Expires 06/07/2023. (terms apply)

more info

You May Also Like

X1 Credit Card Full Review

X1 Credit Card Full Review

Do you not have the best credit score but you still want to be able to swipe and earn rewards on a charming credit card?  Welcome to the X1 Card.

read more
The 7 Best Cards For Shipping [2023]

The 7 Best Cards For Shipping [2023]

Do you run an online business and spend a lot of money on shipping? Then these are the best cards for you to use to help your business get rewards on those parcels being shipped.

read more
Offer Ending! New Offer On Chase Sapphire Preferred Card!

Offer Ending! New Offer On Chase Sapphire Preferred Card!

Offer is expiring 05/25/2023 at 9am EST. Chase just released a great new offer on the Sapphire Preferred Card. With the new offer you will earn 80,000 points after spending $4,000 within the first 3 months. This is one of the highest offers we have seen on the card...

read more
Is the Citizen 10% cashback card really 10% cashback?

Is the Citizen 10% cashback card really 10% cashback?

Many people recently asked me about an ad that they saw from Citizens Bank about a new credit card offering 10% cashback on all purchases. Earning 10% cashback on everything would be pretty nice! Though, anyone who knows a thing or two about credit cards knows that...

read more

Download link sent

Got it * please check your promotional inbox

Error sending download link

Try Again