topic Re: Amex upgrade offer gold to plat in Credit Cards

Amex upgrade offer gold to plat

red259 — Fri, 07 Apr 2023 21:54:02 GMT

I have an upgrade offer on my gold card to upgrade to the plat. It pops up everytime I log in. I was looking at the terms and it says I can't get this offer if I have or had the plat card before. Does the upgrade offer overide that language. Like I am signed into my account and they keep offering my the upgrade so I plan to get rid of my current plat an upgrade my gold card. Its only 25k points for 2k spend but the bonus and upcoming travel plans and benefits makes the math work out.

Re: Amex upgrade offer gold to plat

CaptJOB — Sat, 08 Apr 2023 19:45:39 GMT

That language spooked me recently too but you can disregard. You'll get the bonus points with the upgrade.

Re: Amex upgrade offer gold to plat

Aim_High — Mon, 10 Apr 2023 17:05:15 GMT

*Edit-to-Add: I stand corrected about the Once-Per-Lifetime Rules for upgrades offers extended by AMEX, based on the feedback from the community below. I was never in that situation with the upgrade offer for a card I had previously held, so I misunderstood that the rule applied in all cases. So I'll agree with ...

@CaptJOB: That language spooked me recently too but you can disregard. You'll get the bonus points with the upgrade.

@Brian_Earl_Spilner: The lifetime language doesn't apply to upgrades ...

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@red259 wrote:
Does the upgrade offer overide that language.

AMEX is firm about the once-per-lifetime rule.

(I do find it curious, though, that they don't do better pre-sceening to prevent offers to those who may not be eligible.)

If you were to apply, you should get the No-SUB-for-you warning before you finalize the deal, so you could try it without losing anything but I would expect the chance of no SUB.

See >this link< from tpg website regarding the once-per-lifetime rules.

Re: Amex upgrade offer gold to plat

red259 — Sat, 08 Apr 2023 20:03:21 GMT

@CaptJOB wrote:
That language spooked me recently too but you can disregard. You'll get the bonus points with the upgrade.

Yes I never noticed that language before, but I have upgraded to cards I had previously in the past and always gotten the bonus. It would be disingenious for them to give me an offer on my account while I am logged in and then try to deny me later on. It's not like I am applying using a random mailer for somebody else or something. The offer is pretty low at 25k, but the offer is high enough that the 25k along with other benefits makes the card worth it in my calculation. Not sure the offer will get any better in the immediate future, but will wait a few weeks to see.

Re: Amex upgrade offer gold to plat

CaptJOB — Sat, 08 Apr 2023 20:12:46 GMT

Yeah I pulled the trigger and got the bonus going Green->Platinum as the 25k+other benefits make Plat a better fit for me. Had recently downgraded my other Plat to a second Gold as that's my sweet spot card.

DW has had an offer to go from Green to Plat for a while now that's 100k for $6k spend but she's never had a Plat so I think the 25k is the best offer for former Plat holders. Can't verify that though.

Re: Amex upgrade offer gold to plat

red259 — Sat, 08 Apr 2023 20:15:42 GMT

@CaptJOB wrote:
Yeah I pulled the trigger and got the bonus going Green->Platinum as the 25k+other benefits make Plat a better fit for me. Had recently downgraded my other Plat to a second Gold as that's my sweet spot card.

DW has had an offer to go from Green to Plat for a while now that's 100k for $6k spend but she's never had a Plat so I think the 25k is the best offer for former Plat holders. Can't verify that though.

I downgraded my plat to a green. I was hoping they would make me an offer to upgrade from green to gold. Sounds like they will only make offers to upgrade to plat lately.

Re: Amex upgrade offer gold to plat

Thomas_Thumb — Sun, 09 Apr 2023 02:35:23 GMT

I've always ignored upgrade offers from my AMEX green card. I would not realize a benefit from an upgrade. Don't want to pay higher yearly fees. Currently locked in at an AF of $55. Was $35 up until about 5 years ago.

It's my only AF card and I keep it mainly because it is my oldest card - 1984 issue date. I used to travel a lot for work but no longer.

Re: Amex upgrade offer gold to plat

wasCB14 — Sun, 09 Apr 2023 05:28:54 GMT

@red259 wrote:
@CaptJOB wrote:
Yeah I pulled the trigger and got the bonus going Green->Platinum as the 25k+other benefits make Plat a better fit for me. Had recently downgraded my other Plat to a second Gold as that's my sweet spot card.

DW has had an offer to go from Green to Plat for a while now that's 100k for $6k spend but she's never had a Plat so I think the 25k is the best offer for former Plat holders. Can't verify that though.
I downgraded my plat to a green. I was hoping they would make me an offer to upgrade from green to gold. Sounds like they will only make offers to upgrade to plat lately.

Hard to say when Gold and Platinum tend to be a lot more popular around here than Green.

Re: Amex upgrade offer gold to plat

DONZI — Sun, 09 Apr 2023 13:36:42 GMT

The upgrade offers have some odd ideas.. I'm being offered an upgrade from my Schwab Platinum to the personal Platinum. Not very interesting since I can at some point go for a full SUB on the personal, and certainly not going to trade the CS version for the personal.

Re: Amex upgrade offer gold to plat

Blender — Sun, 09 Apr 2023 14:46:30 GMT

@Thomas_Thumb wrote:
I've always ignored upgrade offers from my AMEX green card. I would not realize a benefit from an upgrade. Don't want to pay higher yearly fees. Currently locked in at an AF of $55. Was $35 up until about 5 years ago.

It's my only AF card and I keep it mainly because it is my oldest card - 1984 issue date. I used to travel a lot for work but no longer.

Dang, green has been around for a bit. I currently have the green (1 year in august) and I'm wondering what type of offer I'll get. I wouldnt mind the gold for dining and groceries alone although there are no AF cards with 4x groceries out now. I just dont think the green any longer suits my but I worry about how the relationship will change if I close it.

Re: Amex upgrade offer gold to plat

Brian_Earl_Spilner — Sun, 09 Apr 2023 14:56:55 GMT

The lifetime language doesn't apply to upgrades which is why many here upgrade and downgrade cards like the bcp regularly to churn them.

Re: Amex upgrade offer gold to plat

CaptJOB — Sun, 09 Apr 2023 22:38:28 GMT

@red259 wrote:
@CaptJOB wrote:
Yeah I pulled the trigger and got the bonus going Green->Platinum as the 25k+other benefits make Plat a better fit for me. Had recently downgraded my other Plat to a second Gold as that's my sweet spot card.

DW has had an offer to go from Green to Plat for a while now that's 100k for $6k spend but she's never had a Plat so I think the 25k is the best offer for former Plat holders. Can't verify that though.
I downgraded my plat to a green. I was hoping they would make me an offer to upgrade from green to gold. Sounds like they will only make offers to upgrade to plat lately.

DW also has an offer to upgrade to Gold 15k points for $1k spend. Pretty mediocre unless you REALLY don't want to open a new credit line. The 100k for Platinum is more palatable.

Re: Amex upgrade offer gold to plat

red259 — Sun, 09 Apr 2023 22:50:17 GMT

@Blender wrote:
@Thomas_Thumb wrote:
I've always ignored upgrade offers from my AMEX green card. I would not realize a benefit from an upgrade. Don't want to pay higher yearly fees. Currently locked in at an AF of $55. Was $35 up until about 5 years ago.

It's my only AF card and I keep it mainly because it is my oldest card - 1984 issue date. I used to travel a lot for work but no longer.
Dang, green has been around for a bit. I currently have the green (1 year in august) and I'm wondering what type of offer I'll get. I wouldnt mind the gold for dining and groceries alone although there are no AF cards with 4x groceries out now. I just dont think the green any longer suits my but I worry about how the relationship will change if I close it.

If you have had the gold in the past and therefore don't qualify for a SUB then maybe you can upgrade to it. If you haven't had the gold in the past then I would app for the gold if that is what you want and get the better SUB. Worrying about your "relationship" on a one year old card is a waste of time. Don't keep a card with an AF if its not working for you anymore as long as you kept it for the year.

Re: Amex upgrade offer gold to plat

red259 — Sun, 09 Apr 2023 22:57:59 GMT

@CaptJOB wrote:
@red259 wrote:
@CaptJOB wrote:
Yeah I pulled the trigger and got the bonus going Green->Platinum as the 25k+other benefits make Plat a better fit for me. Had recently downgraded my other Plat to a second Gold as that's my sweet spot card.

DW has had an offer to go from Green to Plat for a while now that's 100k for $6k spend but she's never had a Plat so I think the 25k is the best offer for former Plat holders. Can't verify that though.
I downgraded my plat to a green. I was hoping they would make me an offer to upgrade from green to gold. Sounds like they will only make offers to upgrade to plat lately.
DW also has an offer to upgrade to Gold 15k points for $1k spend. Pretty mediocre unless you REALLY don't want to open a new credit line. The 100k for Platinum is more palatable.

I already had the plat and gold with lifetime language so my only option is to upgrade unless I come across an offer with no lifetime language. In the past I have gotten some really good offers on my business gold to upgrade to plat but the spend requirements were just too much for the window they wanted it done within.

Re: Amex upgrade offer gold to plat

Brian_Earl_Spilner — Sun, 09 Apr 2023 23:22:43 GMT

@red259 wrote:
@CaptJOB wrote:
@red259 wrote:
@CaptJOB wrote:
Yeah I pulled the trigger and got the bonus going Green->Platinum as the 25k+other benefits make Plat a better fit for me. Had recently downgraded my other Plat to a second Gold as that's my sweet spot card.

DW has had an offer to go from Green to Plat for a while now that's 100k for $6k spend but she's never had a Plat so I think the 25k is the best offer for former Plat holders. Can't verify that though.
I downgraded my plat to a green. I was hoping they would make me an offer to upgrade from green to gold. Sounds like they will only make offers to upgrade to plat lately.
DW also has an offer to upgrade to Gold 15k points for $1k spend. Pretty mediocre unless you REALLY don't want to open a new credit line. The 100k for Platinum is more palatable.
I already had the plat and gold with lifetime language so my only option is to upgrade unless I come across an offer with no lifetime language. In the past I have gotten some really good offers on my business gold to upgrade to plat but the spend requirements were just too much for the window they wanted it done within.

I've only seen two ways to get a sub on a card you've already had. If there's a revamp, which happened to the gold a few years ago, and around 20 years later. I haven't seen anyone get around the lifetime language otherwise.