To request an upgrade from Amex Gold to Platinum, call American Express customer service at 1 (800) 528-4800. Or, log in to your online account and click “Amex Offers and Benefits” at the bottom of the page to see if you’re eligible for an upgrade from Gold to Platinum. You may receive a targeted upgrade offer, either by e-mail or through regular mail. Just bear in mind that it’s best to wait until you’ve had the card for at least 12 months before requesting an upgrade. Otherwise, you will lose any reward points you’d previously earned but not redeemed.
If you upgrade from Amex Gold to Platinum, you’ll be disqualified from earning the Platinum card’s initial bonus of 100,000 points. Also, American Express will credit the pro-rated portion of the Gold card’s annual fee that you’ve already paid toward the new Platinum card and charge the remainder of the new card’s $695 annual fee to the first month’s billing statement. Once you upgrade, you’ll get perks like 5 points per $1 spent on flights and prepaid hotels, annual Uber and airline fee credits worth $200 each, automatic elite status with the Hilton Honors and Marriott Bonvoy loyalty programs and more.
If you qualify for an upgrade from Amex Gold to Platinum, you should get your new card within 7 business days of approval. The card number, credit limit and APR won’t change, but the new card will come with a different expiration date and security code. In addition, there’s no hard inquiry associated with an upgrade, so there’s no effect on your credit score.
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