Hector Molina, WalletHub Analyst
@hectormolina
You can downgrade your Amex card by calling customer service at (800) 528-4800 and asking a representative about available downgrade options. Just note that there are a few things to consider before calling.
What to Know Before Downgrading Your Amex Card:
- Amex users must switch to the same type of card they originally had. Switching from a charge card to a credit card or from a cash back card to a card with points is not allowed, for example. In addition, you cannot downgrade from a regular card to a co-branded card, or the other way around. These same rules apply to upgrades.
- Your American Express account must be in good standing to downgrade a card.
- American Express uses a soft pull for downgrades, so there’s no effect on your credit score.
- Card members can also ask about downgrade options through Amex’s online chat feature. It’s possible to complete the downgrade process online with the chat feature, but some cardholders may still be asked to call in depending on their situation.
The best way to downgrade, even if you use the chat to find downgrade options, is to call customer service and ask the rep about your choices. Representatives frequently offer different downgrade options than what you may find online. Feel free to call back multiple times if you don’t love your selection on the first attempt. You might have better luck with a different customer service rep.
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Can I upgrade my American Express card?
Yes, you can upgrade an eligible American Express credit card to a better offer as long as you’ve had the card for at least several months, and you will have the best odds if your credit score and income have gone up since you applied. To see if your American Express 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...
read full answer by Sue Patterson, WalletHub AnalystHow can I downgrade my Amex Gold Card?
To downgrade the Amex Gold Card, call American Express customer service at (800) 528-4800, and request to switch to the American Express® Green Card. You can also contact customer service online through the live chat feature from your account.
American Express cards can only be downgraded to the same type of card. For Amex Gold Card, the only lower-tier option is the Amex Green card. It’s also important to be aware of a few things before you downgrade your Amex Gold Card.
What to Know About the...
read full answer by Gina Marte, WalletHub AdvisorHow can I downgrade the American Express Platinum Card®?
You can downgrade the Platinum Card® by calling customer service at (800) 528-4800. Alternatively, you can log in to your online account and reach out to customer service through the chat feature. Just keep in mind that as a Platinum Card® cardholder, you can only downgrade to the American Express® Gold Card or the American Express® Green Card.
What to know about the Platinum Card® downgrade:
- To downgrade the Platinum Card®, call customer service at (800) 528-4800 or the number you see on the back of your card. You...
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