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Update: Get 50,000 Membership Rewards points with Business Rewards Gold when you spend $5,000 in the first three months of Card membership.

Here’s a question from TPG reader George about American Express Membership Rewards points and the Extended Payment option:

“I jumped on the last 75,000 bonus (no longer active) for the Amex Business Gold card, and I’ve got two questions. First, how long does it take Membership Rewards points to post? I’ve been using the card for well over a month but have seen no points posted yet.”

Points go into “Pending” status a few days after your statement closes (the closing date will display on your online Account Summary). You can check your pending points by logging into -> Points Summary and then clicking on Pending Points -> View Detail.
If you need those points you can call customer service and they will post them to your account immediately as long as your account is in good standing.

As for the sign-up bonus, it should post once the statement closes in which you hit your spend requirements. Now for George’s second question:

“Second, I applied for the Extended Payment option today but was turned down.  When I called to ask why, they said it was invite only. Do you know how to get an invitation? It’s kind of dumb that they mention the feature on their site when you apply for the card, but then deny you as invite only.”

While they advertise the program, I do believe there is an annual income requirement, so maybe yours didn’t meet the threshold for enrollment in this promotion and maybe they didn’t want to tell you that? Not a dig on you, but just a potential reason why you couldn’t be enrolled. Otherwise, I’d call or message them and ask them to reconsider your enrollment.

My experience with the program has been a little odd as well. I registered in April and never got the points but then, unprompted,  I got this letter in the mail this week stating I would indeed get the points. So perhaps they are having issues managing program and promotion enrollment?

Either way, for everyone else – if you have an American Express charge card (Platinum, Premier Rewards Gold, Gold) then you might as well trying to sign up for this promotion. It basically allows you to pay certain charges over time without the traditional penalties that come along with having a pay-in-full charge card. You don’t actually need to use the service, so it’s free points – my favorite kind!
10,000 point link (Try this one first)
5,000 point link

I had signed up my Platinum card, but just registered my Premier Rewards Gold card for the 10,000 point promotion and was just accepted. If you have multiple cards, you might as well try registering them all for these points – never hurts to try and there’s no cost or credit pull associated with the application (though it does ask for your annual income).

Premier Rewards Gold Card from American Express

With some great bonus categories and an annual fee that’s waived for the first year, the American Express Premier Rewards Gold Card has a lot going for it. If you don’t have PRG, now’s as good a time as any to add it to your wallet, as Amex added some great new benefits several months back.

Apply Now
More Things to Know
  • Receive 25,000 Membership Rewards® Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
  • No matter where you're traveling, when you use your Premier Rewards Gold Card there are no foreign transaction fees from American Express.
  • $100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at Terms apply.
  • There is a $0 introductory annual fee for the first year, then $195.
  • Terms and limitations apply. See Rates & Fees
Intro APR on Purchases
Regular APR
Annual Fee
Introductory annual fee of $0 for the first year, then $195.
Balance Transfer Fee
See Terms
Recommended Credit
Excellent Credit
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.