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.
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.
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
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.
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