# Amex locks charge cards into Pay Over Time on February 1, 2027

_Monday 19:29_

Tags: American Express, credit card, app & tech

Type: Program change

## Summary

American Express will enroll charge cardholders in Pay Over Time automatically on February 1, 2027 and freeze the setting at Active, with no ability to reverse it. Interest can apply to carried balances.

A charge card is due in full every month, unlike a credit card. Pay Over Time allows a balance to be carried on some or all purchases, which is how Amex charges interest. Language on the American Express site states that the feature will be locked as Active from that date, and that cardholders cannot change the setting. Enrollment used to come with bonuses.

Holders who pay in full lose the option to disable it. Pay each charge card in full after February 1, 2027 to avoid interest.

## Key facts

- **Starts**: Feb 1, 2027
- **Who qualifies**: American Express charge cardholders
- **Links**:
  - Offer page: [American Express Pay Over Time page](https://www.americanexpress.com/us/benefits/payment-flexibility/pay-over-time/)
- **Takeaway**: Expect Pay Over Time to be locked on from February 1, 2027, and plan to pay charge cards in full if you want to avoid interest.

## Sources cited

- [Doctor of Credit](https://doctorofcredit.com/american-express-to-enroll-charge-cardholders-into-pay-over-time-no-opt-out) — American Express To Enroll Charge Cardholders Into ‘Pay Over Time’ No Opt Out

## Related signals

- [Targeted: Amex offers $20 credit for $100 spent at Quill.com](https://thetravelsignal.com/s/targeted-amex-offers-quill-com-spend-100-receive-20-statement-credit.md)
- [Targeted: Amex Offer gives $50 back for $250 IHG spend](https://thetravelsignal.com/s/save-on-ihg-hotel-stays-with-amex-offers-targeted.md)
- [Canadian Amex Platinum adds complimentary Accor Gold status](https://thetravelsignal.com/s/amex-platinum-cardholders-can-now-enrol-in-all-accortm-gold-status.md)
- [Targeted: Amex $20 credit at Hen House Market through Dec 29, 2026](https://thetravelsignal.com/s/targeted-amex-offer-hen-house-market-spend-100-receive-20-statement-credit.md)
- [Targeted: $200 statement credit on $900 airfare for Brilliant](https://thetravelsignal.com/s/airfare-amex-offer-on-marriott-brilliant-cards-get-200-back-when-spending-900.md)

Older: [Targeted: Amex $20 credit on $100 Lululemon spend to January 31, 2027](https://thetravelsignal.com/s/targeted-amex-offer-lululemon-spend-100-receive-20-statement-credit.md)
Newer: [Amex adds 30% on Membership Rewards to Virgin Atlantic to Nov 30](https://thetravelsignal.com/s/american-express-transfer-bonus-30-to-virgin-atlantic.md)

Canonical URL: https://thetravelsignal.com/s/american-express-to-enroll-charge-cardholders-into-pay-over-time-no-opt-out