For example, let’s say you currently have the American Express ® Green Card and you originally got it because you spend a substantial amount of money every month on eating out as a young professional.īut as time went on, you got married, started a family, and your food expenses skyrocketed - you still eat out from time to time, but most of the spending is now at grocery stores. Your Spending Habits ChangeĪnother great reason to upgrade your Amex card is if your spending habits start changing. The list goes on, but those who benefit most from upgrading their card will be focused on the 1 or 2 specific benefits where they would get the most value. If you’re currently holding a Delta SkyMiles ® Gold American Express Card and are looking for a credit card that gives you an annual first class domestic companion certificate, you’ll want to upgrade your Delta Gold card to the Delta SkyMiles ® Reserve American Express Card to access that perk. Similarly, if you currently have a card like the Hilton Honors American Express Surpass ® Card that gets you Hilton Honors Gold status just by holding the card, but are looking for top-tier Hilton Honors Diamond status, you’ll need to upgrade to the Hilton Honors American Express Aspire Card. Usually, when you’re considering upgrading your card, you’re doing so because there’s an attractive benefit or feature offered on the card you’re contemplating upgrading to.įor example, if you have the American Express ® Gold Card and are longing for airport lounge access because you’re a frequent traveler, The Platinum Card ® from American Express is one of the cards you’d likely be considering upgrading to. In some cases, the offers are so time-sensitive that they may be pulled even before the quoted expiration date!įor example, if you receive a targeted upgrade offer that requires your action by June 30, don’t be surprised if you try to accept the upgrade offer by June 27 and the offer is no longer valid! There’s a Specific Perk You’re Looking For Targeted upgrade offers are sent only to specific cardholders, and they’re typically time-sensitive. These targeted upgrade offers are particularly lucrative and could mean thousands of dollars back in your pocket. If you were thinking about upgrading your Amex card at one point but just haven’t pulled the trigger for one reason or another, you might want to do so as soon as you get an upgrade offer delivered to your email inbox or online account. Reasons To Upgrade Your Amex CardĪlthough the decision to upgrade your Amex card depends on the individual, there are a few different groups of people for which it makes a lot of sense to upgrade: You Get a Targeted Upgrade Offer For example, you cannot upgrade a Hilton credit card to a Marriott credit card because they are not in the same family.Īlso, you can’t upgrade a personal card to a business card and vice-versa. You’ll need to have your card open for at least 1 year to be eligible to upgrade, and you must upgrade to a card within the same “family” of cards. Simply dial the number on the back of your card and speak to an agent about upgrading your Amex card. In other cases, you may need to call to upgrade your Amex card.
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