[Targeted] 30,000 Membership Rewards Points For Enrolling In Pay Over Time

Update 12/3/21: New link. Hat tip to MtM

Update 10/23/21: New link. Hat tip to MtM

Update 10/3/21: New link to try. Hat tip to krokodil83

Update 9/15/21: More people targeted. Hat tip to YouFoundSugarMan

Update 8/26/21: More people targeted.

Update 7/2/21: More people targeted.

Update 4/29/21: More targeted.

Update 4/24/21: More people targeted.

Update 4/12/21: More people targeted for the 20,000 offer.

Update 3/25/21: 20k offer showing for more people under the statements & activity screen, can also try this link. Hat tip to reddit user BUT_WHY_MALE_M0DELS

Update 3/2/21: Some people are now seeing a 20,000 point offer when logged in.

Update 2/16/21: Another round has gone out at this link. Hat tip to abmo224

Update 9/10/20: Another round has gone out. Surprised to see this after American Express started auto enrolling cardholders. Hat tip to
Adam K.

Update 6/9/20: Another targeted link now available. Hat tip to TwelveBall

Update 5/19/20: Another link now available. Hat tip to DDG

Update 2/18/2020: Another link now available. Hat tip to corxion

Update 2/11/2020: Another link now available. Hat tip to trumanthepug

Update 1/15/2020: Another link now available. Hat tip to OMGitzSARS

Update 1/3/2020: Another link now available. Hat tip to coljung

Update 11/15/19: Another link now available. hat tip to MtM

Update 10/15/19: Another link available here. Hat tip to reader kcihtred2

Update 9/20/19: Another link available here. Hat tip to reader qmc

Update 9/17/19: Another link available here. Hat tip to JonLuca

Update 8/27/19: Another link available here. Hat tip to jasonalanmorgan

Update 8/13/19: Another link available here. Hat tip positivecontrol

Update 8/2/19: Another link available here. Hat tip to mc1nc4

Update 7/31/19: Another link available here. Hat tip to garettg

Update 7/2/19: Another link available here. Hat tip to Andrew D

Update 6/24/19: Another link available here. Hat tip to Andrew D

Update 6/21/19: Another link available here. Hat tip to BUT_WHY_MALE_M0DELS 

Update 6/2/19: Another link here. Hat tip to ClosertothesunNA.

Update 5/27/19: Another link here. Hat tip to CericRushmore

Update 5/21/19: More people targeted, new link here. Hat tip to reader ping

Update 5/9/19: More people targeted, new link here. Hat tip to lobonomnom

Update 5/3/19: More targeted, new link here. Hat tip to alexischase

Update 4/23/19: More people targeted, doesn’t seem to be a link to try this time unfortunately.

Update 4/10/19: Another day, another link to try. Hat tip to garettg

Update 4/4/19: Try this link. Hat tip to Aloha808

Update 3/12/19: Try this link. Hat tip to syr_eng

Update 3/7/19: New round has gone out.

Update 2/19/19: Here’s a new link (login required) which is working for a lot of people. You can also try calling 1-866-281-4438 and mentioning Offer Code: GCOR:0004. Hat tip to Uscreditcardguide.

Update 2/16/19: Another round, this time the link to try is: global.americanexpress.com/lending/extended-payment-options/offer?identifier=MHR. Hat tip to krex42

Update 1/24/19: Another round of offers has gone out.

Update 12/20/18: Another round of offers has gone out, check your e-mails to see if you are targeted.

Update 12/5/18: Another new link. This time courtesy of veeRob.

Update 11/27/18: Looks like another round went out. This time the link is: https://americanexpress.com/ExPOenroll68. Hat tip to zackiv31

Update 11/21/18: MtM is reporting another round of targeted people. I don’t see any new links, but if anybody finds one please share it in the comments.

Update 11/07/2018: Another round of people targeted. New links to try:

  • One

Update 10/27/18: Three new links available to try:

  • One
  • Two
  • Three

Hat tip to The_Fartful_Codger

Snail mailers have also been sent out, so keep an eye out for those as well. Hat tip to nickohrn

The Offer

Links seem to be unique this time, check your regular mail & e-mail to see if you’ve been targeted (share any subject lines of e-mails in the comments below). One subjectline is ‘

  • American Express are currently offering selected charge cardholders 10,000 points when they enroll Extended Payment Option

The Fine Print

  • Email subject line is ‘You Qualify for a Flexible Payment Option’. People also being targeted via snail mail.
  • Another: Congratulations, <name>! You’ve Been Selected to Enroll in a Flexible Payment Option

Our Verdict

Fingers crossed we get a generic link to see if you are targeted or not. This is a fairly common offer, it’s not worth enrolling without this 10,000 bonus (sometimes they offer an interest free period but I’d wait for this offer). You should (hopefully) be paying off your credit card balance in full every month anyway.   If you have any questions about Pay Over Time (e.g hard/soft pull) I’d recommend reading through our F.A.Q on the topic found here. You don’t actually need to use the pay over time feature to get the 10,000 bonus points, you must simply enroll in it. The short of it is that it’s definitely worth doing if you’re targeted, just don’t actually use the feature and pay all of your credit card bills in full and on time.

Thanks to reader @MrBillington for providing the picture

Source: doctorofcredit.com

Gap/Old Navy Cardholders: Make 5 Purchases & Get $20

Update 12/2/21: Offer is back for December 1 – 31. Hat tip to reader fearthez

The Offer

  • Select GAP/Banana Republic/Old Navy cardholders are receiving a few different targeted offers:
    • Earn a $20 reward when you shop outside of GAP brands at least 5 times by 11/30/21

Our Verdict

These offers are why this card is listed as one of the best store cards available.

Hat tip to Tom T

Source: doctorofcredit.com

Chase Southwest Personal Cards Increased 100,000 Signup Bonus (Near Companion Pass With One Card)

Update 12/2/21: Chase website is now showing lower offer, referrals & direct link below still showing the 100k sign up bonus.

The Offer

Direct Link to offer

  • Chase has increased the signup bonus on all of their three consumer cards (Plus, Premier, Priority) to 100,000 points on public links and referral links. The bonus is broken down as follows:
    • Earn 50,000 points after you spend $2,000 on purchases in the first 3 months from account opening.
    • Earn an additional 50,000 points after you spend $12,000 on purchases in the first 12 months from account opening.

These offers ends 12/7/21. The Performance Business card and Premier Business card still have their regular 80,000 and 60,000 points bonuses, respectively.

Card Details

  • Chase 5/24 rule does apply to these cards
  • Annual fees are not waived the first year
  • The Premier personal card earns a 6,000 points anniversary bonus; the Plus earns 3,000 points anniversary bonus; the Priority earns 7,500 anniversary bonus
  • Chase Southwest Rapid Rewards Priority Credit Card Full Review & F.A.Q’s
  • How Much Are Southwest Rapid Rewards Points Worth?
  • Everything You Ever Wanted To Know About The Southwest Companion Pass
  • The product is not available to either (i) current Cardmembers of any Southwest Rapid Rewards® Credit Card, or (ii) previous Cardmembers of any Southwest Rapid Rewards Credit Card who received a new Cardmember bonus within the last 24 months.

Our Verdict

The highest we’ve seen these cards was at 80,000 points, I believe this 100,000 deal is the highest ever. All of these signup bonus offers are available via referral as well with the new member getting the same bonus and the referrer getting 20,000 points.

If you spend $2,000 within 3 months and another $10,000 during the first year, you’ll end up with 112,000 points which brings you near the 125,000 needed for the Companion Pass. Hopefully you can do some category spend or shopping portal spend or an actual flight to push you up to 125,000.

The best way to play this is to push off meeting the spend requirements so that all points post after January 1st 2022, then complete the spend requirement in early 2022. This way, you’ll get the Companion Pass for most of 2022 and the entire 2023. Points post with statement close, so you can meet the spend during December, as long as the statement will close in January. You can also hold off a bit before applying for the card to make the timing easier; these 100k offers are slated to be around until December 7th. (Points earned from referrals will work for the Companion Pass; if you signup and then refer a friend/spouse, that should get you all the way to the Pass. Again, be careful with the timing.)

Chase Southwest also launched today a slew of new benefits and an increased referrer bonus as well. Check out these other Things to Know about Chase before applying. We’ll add these to the best credit card bonus page.

Source: doctorofcredit.com

[Targeted] American Express Transfer Bonus: 20% To Singapore Airlines

The Offer

Direct link to offer

  • Receive a 20% bonus when you transfer your American Express membership rewards points to Singapore Airlines KrisFlyer. For example, transfer 1,000 American Express membership rewards and receive 1,200 KrisFlyer miles.

The Fine Print

  • Unknown end date

Our Verdict

Don’t think we’ve ever seen a transfer bonus to KrisFlyer. You can view a full list of transfer bonuses that are currently available and have been previously available by clicking here. As always I don’t think it’s worth transferring miles speculatively due to no notice devaluations to airline programs.

Source: doctorofcredit.com

[Expired] Chase IHG Premier 150,000 Points + $50 Statement Credit With $3,000 Spend, AF Waived

Deal has ended. The current deals are as follows:

  • Public bonus: 125,000 points + 1nt free (up to 40,000 points) after $3,000 spend. AF not waived.
  • Dumming booking:  100,000 points + $100 statement credit after $2,000 spend. AF waived first year.

Update 11/29/21: Deal will be ending on December 1, 2021 according to sites with affiliate links.

The Offer

Direct link to offer

  • Chase IHG Premier card is offering a signup bonus of 150,000 points after $3,000 in spend within the first three months with the annual fee waived first year and a $50 statement credit after your first purchase


Card Details

  • Annual fee of $89 waived first year
  • Card earns at the following rates:
    • 25x points per $1 spent on IHG properties (10x from the card + 15x from status and club membership)
    • 2x points per $1 spent on gas stations, grocery stores and restaurants
    • 1x points per $1 spent on all other purchases
  • Free night certificate on card anniversary, this is limited to properties that cost 40,000 or fewer points
  • Automatic Platinum elite status
  • Fourth Reward Night Free on any stay of 4 or more nights
  • 20% discount when purchasing points
  • Global Entry or TSA PreCheck fee credit
  • 10,000 bonus points when you spend $20,000 or more and make one additional purchase each account anniversary year
  • This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. If you have the old IHG card, you’re still eligible to get this bonus/card.
  • Chase 5/24 rule applies to this card

Our Verdict

This deal previously launched with no $50 statement credit. At the time I said to wait for this extra offer as normally IHG offers an extra $50 statement when doing a dummy booking and that’s exactly what happened. Although it took a lot longer to appear than I thought it would. This will be added to the best credit card bonuses as this is the highest offer we’ve seen on this card. That being said I’d only apply if you have a short/medium term use for IHG points as they will definitely be devalued over time and we will see bigger bonuses in the future as a result of that.

Source: doctorofcredit.com

American Express To Launch Limited Edition Platinum Card Designs (Designs Released)

Update: Card designs are now live.

Original post: American Express has announced a partnership with artists Julie Mehretu and Kehinde Wiley to create new designs for the American Express Platinum card. The designs will be unveiled in Miami on December 1, 2021 and card members will be able to request the new designs. In addition American Express will donate $1 million in sponsorship to The Studio Museum in Harlem (the Studio Museum).

Source: doctorofcredit.com

American Express Transfer Bonus: 30% To Virgin Atlantic

The Offer

Direct link to offer

  • Receive a 30% bonus when you transfer your American Express membership rewards points to Virgin Atlantic. For example, transfer 1,000 American Express membership rewards and receive 1,300 Virgin Atlantic miles.

The Fine Print

  • Valid until 12/31/21

Our Verdict

This is the standard transfer bonus we see from American Express to Virgin Atlantic, although haven’t seen it in some time. You can view a full list of the previous and current transfer bonuses by clicking here. My recommendation is to only transfer if you have a redemption in mind for the short to medium term due to airline programs constantly devaluing their programs.

Source: doctorofcredit.com

Chase Cards Not Subject To 5/24 Rules?

Update: Seeing some approvals on Southwest Personal & United Explorer cards as well.

Currently there are some datapoints of people being successfully approved for the Chase Amazon credit card despite being over 5/24. That card is currently offering an increased sign up bonus of $200. Earlier this year Chase increased credit limits on existing cardholders Amazon cards by a lot.

Amazon has been considering replacing Chase as a co-branded partner so Chase removing the 5/24 rule could be due to either trying to keep them as a partner or pad the stats if another issuer plans to purchase the backbook from Chase.

If you do apply, share your 5/24 stats and application status in the comments below.

Source: doctorofcredit.com