Chip Lupo, Credit Card Writer
@CLoop
Yes, you can upgrade your Blue Cash Preferred® Card from American Express 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 Blue Cash Preferred 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.
Blue Cash Preferred Upgrade: What You Should Know
- The account should be open for at least 14 months before requesting an upgrade.
- A history of on-time payments and low credit utilization increases your chances of getting an upgrade.
- American Express only allows upgrades to cards within the same card family. For example, you cannot upgrade from Blue Cash Preferred 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 Blue Cash Preferred 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 initial bonus offers or introductory 0% APR offers associated with the new card, unless they’re included as part of the upgrade offer.
- Blue Cash Preferred upgrades do not require a hard inquiry on your credit report, so there’s no effect on your credit score.
A Blue Cash Preferred 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. Unless stated otherwise in the upgrade terms, your current APR, and any unredeemed rewards will carry over to the new card.
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
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Is the Blue Cash Preferred card worth it?
Yes, the Blue Cash Preferred card is worth having if you spend enough to recoup the value of the card’s $95 annual fee ($0 intro fee for the first year) in rewards earnings. The easiest way to do that is by spending $3,000 on eligible purchases within 6 months of opening an account. That will trigger the card’s $250 initial bonus (earned as a statement credit), which will help offset the annual fee for a couple of years.
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The Delta SkyMiles® Blue American Express Card interest rate is 19.99% - 28.99% (V), with the exact rate depending on factors such as your income, credit history and existing debt. This Blue Delta SkyMiles Credit Card interest rate is variable, meaning it can change based on certain economic conditions.
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Blue Delta SkyMiles Credit Card Interest Rates
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You can get a Blue Cash Preferred cash advance at participating ATM locations worldwide that accept American Express cards. You will need the Blue Cash Preferred and the PIN (Personal Identification Number) you received when you opened the account. You can view or change your PIN under the “Card Management” section of your online account. If do not have access to your PIN, call customer service at (800) 227-4669 to request a new one.
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