Tom Lipkis, WalletHub Credit Card Consultant
@cindercard
You can upgrade from American Express Business Gold card to American Express Business Platinum card by requesting it online. You can also request an upgrade by calling (800) 528-2122 or the number on the back of your card. But make sure your American Express Business Gold card account has been open for at least 12 months before making a request.
Here’s what you should know about the American Express Business Platinum card upgrade:
- You can request an upgrade online or by calling the number on the back of your card. You can also call customer service at (800) 528-2122.
- If there are any upgrade offers available, you will be able to see them on your online account.
- Approval for an upgrade typically takes just a few minutes, but there’s no guarantee that you will be approved. Amex will look at your credit score, payment history and spending habits when deciding whether to upgrade you or not. But they don’t give out any specific requirements.
- If there’s an offer to upgrade, there will be no hard inquiry on your credit report, so there’s no effect on your credit score. But if you request an upgrade yourself (and there is no offer available), it might result in a hard inquiry. And this inquiry may temporarily drop your credit score by a few points.
- You won't qualify for any introductory bonus offers unless they are cited in your upgrade offer from Amex. Your current credit limit and APR will carry over to the new card, as will your unredeemed rewards.
- If you are approved for an upgrade, your card number won’t change, but you will receive a new card with an updated expiration date and security code.
- You should receive your card within 2-7 business days from when the upgrade was approved. You can use your old card until the new one arrives, but it will have all the benefits of the new card after the upgrade has been processed.
To increase the odds of getting an upgrade, make sure your American Express Business Gold card account is in good standing. That means a history of on-time payments and low credit utilization, preferably less than 30 percent of your overall credit limit.

American Express® Business Gold Card
Eric Steinberg, Member
@eric_steinberg
Basically, you can call them at 1-888-781-6736, and request an upgrade. But if you want to go ahead and do that, make sure you've got at least a year behind you with the card, and that your payment history is spotless.
They'll just do a soft inquiry for it, so you don't have to worry about score taking a hit. However, you don't really want to get your hopes up unless you're ready.
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