If you have not yet done so, take a discovery flight. If you have and enjoyed it, start attending a part 61 school as others have mentioned. Mom and Pop flight schools will most certainly accept Amex. 1 or 2 flights as you can afford / manage, and just enjoy yourself. If you try to figure out how you will obtain your ATP at this juncture you will lose sight of your primary goal. I started as a helicopter student with plans on that as my future. I'm now a Lear 60 pilot, (not a helicopter) with my ATP, and a house, and a new wife. Things have a way of working out, but you must take a step and stop delaying. Like they say "Life is what happens while you are busy making plans".