American Express Upgrade Offers

If you have an American Express Personal Gold or Green card that’s been around since at least last year, you’re likely to see an upgrade offer to the Personal Platinum worth either 25,000 Membership Rewards or 75,000 Membership Rewards after spending $2,000 after logging in to your account and scrolling down to the offers section. On the face of it, “meh 25,000 points for a high annual fee card, so what?” Here’s what: This upgraded card inherits the Unicorn AmEx Platinum Card’s 10x up to $15,000 spend in the first 6 months at Gas and Grocery after upgrade. I was able to see it on one of my AmEx Golds, even though I already have a few Personal Platinum cards.

If you don’t see it, detach your Gold or Green card from your login at this link and create a new login with just that card. It’ll almost certainly appear under your new login.

While the American Express Personal Gold card is my favorite AmEx card, I couldn’t turn down this upgrade from one of my Gold cards. I’ll spend through the 10x to earn 150,000 MR, earn the $200 airline credit and the $30 / month PayPal credit through June, earn the upgrade bonus, then I’ll downgrade it back to a Gold card. No harm, no foul.

A picture of a soccer player in a red jersey shrugging.
With this AmEx upgrade/downgrade, I’m calling “no harm, no foul”.

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