Yes, you can easily upgrade your Amex Gold card to the Amex Platinum card by calling the customer service number on the back of your Amex Gold card or using the chat feature on the American Express website.
Amex Platinum ultimately offers more value, though. For example, its benefits include airport lounge access, while the Amex Gold Card's perks do not.
Other Perks and Benefits To Owning Both Cards
If you own both cards, use the Amex Platinum to pay for flights and prepaid hotels and the Amex Gold to pay for your supermarket and dining purchases to earn the most points possible on every dollar you spend.
Yes, you can upgrade your American Express® Gold Card to a better offer as long as you've had the card for at least 14 months, and you will have the best odds if your credit score and income have gone up since you applied.
You cannot change from a charge card to a credit card, but you can downgrade a credit card to a charge card—if you can pay off the balance the next month. You cannot change from a cash-back card to a membership rewards card. If you have a co-branded card, you can switch to another card under that co-brand.
Upgrading your American Express card is fairly easy. You might even receive an upgrade offer in the mail or by email—the notice will give you directions on what to do next if you're interested. Call the number on the back of the existing card to request an upgrade to a different American Express card.
Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.
What is the American Express Gold Card limit? The Amex Gold card has no preset spending limit, which means the spending power is determined on a month-to-month basis, depending on the cardholder's previous spending habits, income, payment history and other factors.
You can upgrade from American Express Business Gold card to American Express Business Platinum card by requesting it online. You can also request an upgrade by calling (800) 528-2122 or the number on the back of your card.
In general, you can upgrade your Amex Green card to the Amex Gold card or Amex Platinum card. Meanwhile, you can also upgrade your Amex Gold card to the Amex Platinum card. In addition, there's the Everyday card family that also earns Membership Rewards points: The Amex EveryDay® Preferred Credit Card.
The Platinum card is geared for people who travel frequently. It has more travel perks than the Gold card. Rewards points can be used for merchandise, gift cards, dining, shopping, entertainment, or for use at the Amex travel website.
The Amex Gold card does not offer any complimentary airport lounge access. Bottom Line: If you value worldwide lounge access, the Amex Platinum card is a clear winner as the Amex Gold card does not offer any form of airport lounge access.
If you have a Consumer or Business Green, Gold or Platinum Card, your Card does not have a credit limit. Instead, your Card has no preset spending limit unless you have been previously notified otherwise.
Due to the Credit CARD Act of 2009, credit issuers are not able to increase the annual fee of a cardmember if their account is less than 1 year old. So if you haven't had your Amex Gold card open for at least a year, you will not be eligible to upgrade it to the Amex Platinum card.
The Amex Platinum is one of the most prestigious travel credit cards you can own. Trying for an American Express credit card lets you establish a relationship with Amex. Plus, it can make it easier to add the Amex Platinum Card to your wallet in the near future.
Summary of How Hard It Is To Get the Amex Business Platinum
It's not hard to get the Business Platinum Card from American Express if you have a 740 credit score and a history of earning business income. This card can be most beneficial if you're a business traveler who will use the travel benefits often.
Amex Platinum Annual Fee and Suite of Credits and Benefits
The Platinum Card has a $695 annual fee.
Annual fee: $695. Welcome offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership. Terms Apply.
Yes, it is hard to get the American Express® Gold Card because you will need good or excellent credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be very hard for you to get approved for the Amex Gold card.
Because your Card is a Charge Card, rather than a Credit Card, you pay your balance in full each month. As a Charge Card, you'll have the financial flexibility of no pre-set spending limit on purchases, which provides you the opportunity to maximize your Membership Rewards points earned.
As a result, the Amex Gold Card doesn't have a credit utilization rate on credit reports like many rewards credit cards. But, cardholders will need to pay their balance in full each month to keep their account in good standing and potentially improve their credit score.
The Amex Platinum Card offers a lot of value to big spenders who pay their account in full each month. It's linked with the American Express Membership Rewards Program and offers a high earn rate of 2.25 points per $1 on most purchases – plus 1 point per $1 for spending with government bodies like the ATO.
American Express generally requires a good to excellent credit score to qualify for The Platinum Card® from American Express. Terms apply. You'll want to have at least a 690 credit score before applying for the card. So, you may need to work on building your credit score before applying for the card.
The main reason why Amex cards are so expensive is that many American Express credit cards offer generous rewards rates and high-end perks, which warrant steep annual fees. Amex cards are targeted toward people with good credit and high incomes who are likely to charge large amounts to their cards every month.