How do you upgrade from Amex Business Gold to Platinum?

You can get an American Express card upgrade through a targeted online or mail offer. Amex cardholders may also contact customer service at 1 (800) 528-4800 to request an upgrade, which is commonly known as a product change.

When you request an American Express card upgrade, understand that Amex will only upgrade to a card within the same card family and with the same rewards structure as the original card. For example, you cannot upgrade from a regular credit card to a charge card, nor can you upgrade from a regular Amex card to an Amex co-branded card. As a general rule of thumb, the account should also be open for at least 12 months before you request an upgrade, and it should have a history of on-time payments.… read full answer

A common reason for an American Express card upgrade is access to better rewards and benefits. For example, some of the most popular upgrades are from Amex Gold to the Platinum card and from Amex Blue Cash Everyday to Amex Blue Cash Preferred. Just take note that upgrades to cards with better benefits and rewards will usually come with a higher annual fee. If you upgrade to an American Express card with an annual fee, that charge will appear on the new card’s first monthly billing statement. And if you’re due a refund on your current card’s annual fee, Amex will credit that amount to your new card’s account as a separate transaction.

Finally, if you are approved for an American Express card upgrade, you should receive your new card in around 7 business days from the date of approval. The card number will stay the same, but the new card will have a different expiration date and security code. Your existing APR, credit limit and any unredeemed rewards will also transfer to the new card. However, you won’t qualify for any welcome bonus offers unless it’s part of the upgrade offer.

The easiest way you can check your American Express upgrade offers is by logging in to your Amex account. Another way to find Amex upgrades is to look through recent emails, which might include special offers.

How to Check Your American Express Upgrade Offers Online

1. Log in to your American Express account.… read full answer
2. Select “Cards” from the menu.
3. Choose “View all Credit Cards.”
4. Scroll down to check for upgrade offers at the bottom of the page.

It’s also possible to get upgrades by calling American Express at (800) 528-4800. Even if you haven’t found a targeted upgrade offer online or in the mail, a representative might extend a deal over the phone when asked about offers. There are, however, eligibility requirements that representatives must consider before handing out upgrades.

Amex tends to wait a year – though it could be less – between each upgrade offer for cardholders. This is to prevent members from abusing the welcome bonuses that may come with targeted offers. When Amex does allow you to change products, they limit you to the same card type (charge card or credit card) and rewards type (points, miles, or cash back) as your previous Amex. Your account must also be in good standing for you to qualify for an upgrade.

You may be eligible to upgrade from the Amex EveryDay to the Amex EveryDay Preferred after your account has been open for at least a year. To ask about an upgrade, you can call customer service at (800) 528-4800, enter your account number, and ask to discuss your upgrade options with a representative. American Express also sends targeted upgrade offers to select Amex EveryDay cardholders.… read full answer

You’re not guaranteed to get the upgrade, but there’s no penalty for trying. But before you begin the process, there are a few more details you should know.

Here’s how to upgrade the Amex EveryDay to the Amex EveryDay Preferred:

• After you’ve had your Amex EveryDay for a year, you can call customer service at (800) 528-4800, enter your account number, and say you would like to request an upgrade to Amex EveryDay Preferred.
• American Express also sends targeted upgrade offers to select cardholders. You can log in to your American Express online account and select “Amex Offers and Benefits” to see whether any upgrades are available.
• If you get an upgrade, your account number will not change. However, you will get a new card, which will arrive within 7 to 10 days of your approval. You can keep using your old card until you activate the new one.
• Requesting an upgrade won’t trigger a hard inquiry on your credit history, since you’re not applying for a new account. However, you may not get the initial bonus offer that comes with a new card application, either.
• There is no guaranteed way of being granted an upgrade but keeping your Amex EveryDay account in good standing will help. So, make sure you pay your bills on time and try to maintain a credit utilization below 30%.

You can potentially upgrade your Amex EveryDay to the Amex EveryDay Preferred by calling customer service after a year of Amex EveryDay membership. Amex might also spontaneously extend you an upgrade offer. Just make sure the higher rewards earning rate of Amex EveryDay Preferred is worth its $95 annual fee before you make the switch.