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Can I upgrade my Amex card and still eligible for SUB?

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dracut77
New Contributor

Can I upgrade my Amex card and still eligible for SUB?

I have Amex Delta Skymiles Gold card since 9 years and harly used it, but I kept paying its Annual fees of $99. Now I am looking at Amex Platinum and its 150k points are looking tempting. Do they convert/upgrade my Gold card to Platinum and still give 150k points?
I will really not use my Delta card and atm my focus is to accumulate SUB.
Thanks

Message 1 of 6
5 REPLIES 5
Jeffster1
Valued Contributor

Re: Can I upgrade my Amex card and still eligible for SUB?


@dracut77 wrote:

I have Amex Delta Skymiles Gold card since 9 years and harly used it, but I kept paying its Annual fees of $99. Now I am looking at Amex Platinum and its 150k points are looking tempting. Do they convert/upgrade my Gold card to Platinum and still give 150k points?
I will really not use my Delta card and atm my focus is to accumulate SUB.
Thanks


For whatever it's worth...I just checked the Platinum upgrade offer for my Gold and the SUB is only 25,000 points. 

FICO 8 EX 829 EQ 824 TU 844
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 25 K I American Express Cash Magnet 5K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | Wells Fargo BILT World Elite MC 30K I BMO Harris Cash Back MasterCard 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 32K I NFCU Amex 28K | NFCU CashRewards Visa 20K I America First CU Cash Visa 20K I Citi Best Buy Visa 10K I Macy’s Amex 20K I Bread Financial American Express 13K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 8.3K I JCPenney Mastercard 6K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 9K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I
Message 2 of 6
dracut77
New Contributor

Re: Can I upgrade my Amex card and still eligible for SUB?

Oh, it is way less. Then better I should apply new Amex platinum and hope I will be eligible for 150k points.

Message 3 of 6
GZG
Senior Contributor

Re: Can I upgrade my Amex card and still eligible for SUB?


@dracut77 wrote:

I have Amex Delta Skymiles Gold card since 9 years and harly used it, but I kept paying its Annual fees of $99. Now I am looking at Amex Platinum and its 150k points are looking tempting. Do they convert/upgrade my Gold card to Platinum and still give 150k points?
I will really not use my Delta card and atm my focus is to accumulate SUB.
Thanks


you can't go from Delta Gold to Amex Plat, you can go from Delta Gold to Delta Plat but you would only get what your upgrade offer is, you wouldn't get the current sub. you should be able to go down to delta blue with no AF, since it's been over a year you've had the card. you lose the chance to get the SUB for either the delta blue or plat if you change though, so if you wanted those SUBs apply for those cards first, and also check the SUB rules on the delta cards with all of the recent changes because that could have changed

 

if you want the 150k amex plat, you'd have to apply for it

Starting FICO 8:
Current FICO 8:



2/6, 2/12, 6/24 new accounts
Message 4 of 6
coldfusion
Community Leader
Mega Contributor

Re: Can I upgrade my Amex card and still eligible for SUB?


@GZG wrote:

also check the SUB rules on the delta cards with all of the recent changes because that could have changed

They have changed, but given the outcry largely driven by the Sky Club access policy change who knows if it will stick.   As of right now, if applying for a Delta card you "may not be" eligible for a SUB if you have or previously had the same or higher-tiered Delta card.  For example if you have or had a Delta Reserve or Delta Platinum card you're technically ineligible for a SUB if you applied outright for a Delta Gold.

(5/2025)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 5 of 6
SouthJamaica
Mega Contributor

Re: Can I upgrade my Amex card and still eligible for SUB?


@dracut77 wrote:

I have Amex Delta Skymiles Gold card since 9 years and harly used it, but I kept paying its Annual fees of $99. Now I am looking at Amex Platinum and its 150k points are looking tempting. Do they convert/upgrade my Gold card to Platinum and still give 150k points?
I will really not use my Delta card and atm my focus is to accumulate SUB.
Thanks


I'm pretty sure you can't upgrade from an Amex Delta card to to an Amex Platinum card.


Total revolving limits 569520 (505320 reporting) FICO 8: EQ 699 TU 696 EX 673




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