How to find Amex upgrade offers online

This is my third round of publishing easy ways to find credit card upgrade offers from American Express online.  Over time, Amex has repeatedly changed the way upgrade offers appear on their website.  Shown below are updated instructions for finding consumer upgrade offers.  This approach has worked at least since June 2014, so maybe it will work for a while longer…

There are significant advantages of upgrading rather than applying new:

  • No new hard credit inquiry
  • No new account on your credit report
  • Keep the same credit card account number

The primary disadvantage is that the upgrade offers tend to be smaller than the best new signup offers.  Plus, you do need to wait 13 months after getting a new card before you can qualify for an upgrade.

Note: I don’t know if this approach works for business cards (my guess is no), but I don’t currently have any upgradeable business cards to test with so please let me know if it works / doesn’t work.

Step 1: Log into your Amex account, then click the Menu button

The Menu button should appear at the top, left of your screen:

AmexUpgrade_MenuButton

Step 2: Click Cards… Personal Cards… View all Personal Charge & Credit Cards

AmexUpgrade_Menu

Step 3: Find a card that is an upgrade to one you already have, then click “Apply for an Upgrade”

Examples:

  • If you have the Hilton HHonors card, look for the Hilton Honors Surpass
  • If you have the EveryDay card, look for the EveryDay Preferred
  • If you have the Gold Delta SkyMiles card, look for the Platinum Delta SkyMiles card or the Delta Reserve card
  • If you have the Platinum Delta SkyMiles, look for the Delta Reserve card
  • etc.

Update: This offer has expired and/or is not currently available through Frequent Miler

In my case, I have the Platinum Delta SkyMiles card, so I see the following when I look for the upgraded Delta Reserve card:

 

Step 4: Evaluate the upgrade offer

After clicking “Apply for an Upgrade,” you’ll be taken to an application screen with the upgrade offer details shown along the left side.  In my case, I see an offer for 5000 bonus miles and 5000 Medallion Qualifying Miles:

 

I’m not ready to upgrade my card yet, but when I am, I’ll follow the above steps and apply for the upgrade.

About Greg The Frequent Miler

Greg is the owner, founder, and primary author of the Frequent Miler. He earns millions of points and miles each year, mostly without flying, and dedicates this blog to teaching others how to do the same.

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Comments

  1. In some cases, like the Hilton Surpass card, you can even upgrade from a different kind of Amex card to the upgraded offer. For example, I received the upgrade from the Delta Gold card to the Hilton Surpass.

  2. I have AMEX Everyday but there is no offer available to upgrade to Preferred. How does AMEX determine if the card is eligible to upgrade?

  3. If you cancel the card after you upgrade it, can you still get the signup bonus for the card you upgraded to later on? For example, the Delta reserve in your case.

  4. We’ve have the Business Rewards Gold for <less than 13 mos. and have an offer to upgrade to Bus Plat for 30k. Not upgrading though, as we actually use the bonus categories of the BRG, and not ready to pay hefty annual fee on the Plat card (not much traveling happening this year to take advantage of the Plat benefits).

    As a side note, we took advantage of the Pay-over-time offer for 10k points.

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