Yes, you can upgrade your American Express® Gold Card to a better offer as long as you've had the card for at least 14 months, and you will have the best odds if your credit score and income have gone up since you applied. To see if your Amex Gold card qualifies for an upgrade, call customer service at 1 (800) 528-4800. American Express also periodically sends targeted upgrade offers to existing cardholders by mail, email and in their online account.
Amex Gold card Upgrade: What You Should Know
The account should be open for at least 14 months before requesting an upgrade.
American Express only allows upgrades to cards within the same card family. For example, you cannot upgrade from Amex Gold card to a business card or co-branded card.
If you upgrade to an American Express card with an annual fee, the charge will appear on the new card's first monthly statement.
If you're eligible for a refund on your Amex Gold card's annual fee, American Express will pro-rate the amount of your refund, based on how long it's been since the fee posted to your original account.
You will not be eligible for any welcome offers or introductory 0% APR offers associated with the new card, unless they're included as part of the upgrade offer.
Amex Gold card upgrades do not require a hard inquiry on your credit report, so there's no effect on your credit score.
An Amex Gold card upgrade typically takes just a few minutes. If you are approved, you should receive your card within 7-10 days from the approval date. Your card number won't change, but you will receive a new card with an updated expiration date and security code.
You can use your old card until the new one arrives, and it will have all the benefits of the new card as soon as the upgrade is complete. Your current credit limit and APR will carry over to the new card, as will any unredeemed rewards, unless stated differently in the upgrade terms.
You can request an upgrade from Amex Gold card to American Express Platinum card by calling customer service at (800) 528-4800. Alternatively, log in to your online account and click on “Amex Offers and Benefits” at the bottom of the page to see if you’re eligible for an upgrade from Amex Gold card to American Express Platinum card. You may also receive a targeted upgrade offer, either by e-mail or through regular mail.… read full answer
Here's what you should know about the Amex Gold card upgrade:
If you have unredeemed rewards, you should wait until you’ve had the card for at least 12 months before requesting an upgrade. Otherwise, you will lose any reward points you’d previously earned but not redeemed.
If you upgrade from Amex Gold card to American Express Platinum card, you’ll be disqualified from earning the American Express Platinum card’s initial bonus of 100,000 points.
American Express will credit the pro-rated portion of the Amex Gold card’s annual fee that you’ve already paid toward the new American Express Platinum card and charge the remainder of the new card’s $695 annual fee to the first month’s billing statement.
If you qualify for an upgrade from Amex Gold card to American Express Platinum card, you should get your new card within 7-10 business days of approval.
The card number, credit limit and APR won’t change, but the new card will come with a different expiration date and security code.
There’s no hard inquiry associated with an upgrade, so there’s no effect on your credit score.
Once you upgrade, you’ll get perks like 5 points / $1 spent on flights booked directly with airlines or with American Express Travel (up to $500,000 spent per year) and prepaid hotels booked with Amex. The card also offers annual Uber and airline fee credits, automatic elite status with the Hilton Honors and Marriott Bonvoy loyalty programs to enrolled cardmembers, and more.
You can report a lost Amex Gold card by calling American Express customer service at 1-800-528-4800. You can also report a lost Amex Gold card through the American Express website or mobile app. American Express will request some security information in order to verify your identity before sending a replacement.
Inform the customer service representative that you’ve lost your card.
Provide any requested information, such as your date of birth or the last four digits of your SSN.
Ask the American Express rep to cancel your old card and send a replacement.
You should receive a replacement Amex Gold card within 1-5 business days. When you receive your replacement Amex Gold card, you’ll need to activate it before you can make purchases. And if there are any recurring charges linked to the old Amex Gold card, make sure to update those accounts with your new card information.
Finally, it’s important to note that your Amex Gold card is covered by $0 fraud liability, which means that you will not be held responsible for unauthorized purchases made with your card while it’s lost. You should still give your card issuer immediate notice of any unfamiliar charges on your account, though.
To add an Amex Gold card authorized user, log in to your online account and click the “Account Services” tab, or call customer service at 1 (800) 528-4800. You will need to provide the person's full name, Social Security number, and date of birth to add them as an authorized user.… read full answer
A primary cardholder can make anyone an Amex Gold card authorized user, as long as they are at least 13 years old.
How to Add an Amex Gold card Authorized User Online
Click “Add Someone to Account” under the “Manage Additional Card Members” menu.
Enter the user’s full name, Social Security number, and date of birth.
Click “Agree & Submit.”
When you add an Amex Gold card authorized user, they will receive their own card, sent to your mailing address, within 14 days of being added to the account. The authorized user’s card will be linked to your account and will have full access to the account’s credit limit. American Express authorized users are able to make purchases, earn rewards, use the Amex app, and make payments. However, they cannot redeem rewards or set their spending limit.
In addition, any purchases an authorized user makes on the account will appear on your statement, and as the primary cardholder, you are responsible for all purchases on the account. American Express reports account information to all three of the major credit bureaus, which affects not only the user’s credit history, but also the primary cardholder’s. Authorized users may be removed from an account at the user’s or primary cardholder’s request at any time, and for any reason.
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