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Can I upgrade my Amex gold to platinum?

To upgrade to the Amex Platinum, you must have had the Amex Gold Card for at least one year. The Credit Card Accountability Responsibility and Disclosure (CARD) Act of 2009 forbids card issuers from increasing your annual fee if you've held a card for less than one year. Your account must also be in good standing.



Yes, American Express generally allows cardholders to "upgrade" their Gold Card to a Platinum Card, but the process is more of a product change than a simple upgrade. To be eligible, your Gold account must typically be in good standing and have been open for at least one year. You can often find an "Upgrade Offer" in your online account or the Amex app, which may include a bonus of Membership Rewards points for spending a certain amount after the switch. However, there is a significant catch: the American Express "once per lifetime" rule for welcome bonuses. If you upgrade your Gold to a Platinum, you may forfeit the ability to earn a much larger "Sign-Up Bonus" (SUB) that you would get by applying for the Platinum Card as a brand-new, separate account. Most financial experts recommend applying for the Platinum Card independently to secure the full bonus, and then deciding whether to close or "downgrade" the Gold Card later. Before making the switch, you should carefully compare the annual fees; the Gold Card's fee is significantly lower than the Platinum's, and the two cards have very different "multipliers"—the Gold is better for dining and groceries, while the Platinum is optimized for travel and luxury perks.

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Platinum Card? Members and Additional Platinum Card? Members on the Platinum Card? Account can enroll in complimentary Hilton Honors Gold status in the Benefits section of their americanexpress.com online account or by calling the number on the back of their Card.

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Does AmEx have a 5/24 rule? No; in fact, the AmEx welcome bonus rules work differently than Chase. Ariana is a travel rewards expert who has been covering points, miles and free travel for over seven years. She previously served as managing editor for FlyerTalk and Frugal Travel Guy.

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American Express typically does not waive annual fees entirely, but it may offer a side benefit to offset the Platinum card's $695 annual fee. Retention offers traditionally include statement credits, bonus points or spending bonuses. But make sure your account is in good standing before calling.

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If your goal is to get or maintain a good credit score, two to three credit card accounts, in addition to other types of credit, are generally recommended. This combination may help you improve your credit mix. Lenders and creditors like to see a wide variety of credit types on your credit report.

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Compare Amex Platinum to other cards Amex Platinum has a higher annual fee than most credit cards, but it also offers unparalleled travel benefits and a robust rewards program. For example, your card gives you access to Delta Sky Club, The Centurion Lounge and several other airport lounge options.

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Platinum cards must be paid off in full every month. Gold card owners can carry over certain balances with interest.

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