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Last year, I published an easy trick for finding credit card upgrade offers from American Express. The main advantage of upgrading over applying new is that there is no new credit pull. The 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.
The easy trick I published last year in the post “Targeted Amex upgrades” no longer works. At least, for me, when I search for “upgrade”, I no longer see a result asking if I want to upgrade my card. So, I hunted for another way to get to the same page. I found a solution that seems to work for personal cards, but not for business cards. If you know of a more direct way to do this (or a way to see business card upgrade offers besides calling to ask), please comment below.
Step 1: Click “Choose a Card With Our Help”
Log into your American Express account, click on the “CARDS” menu, then click “Choose a Card With Our Help”:
Step 2: View All Cards
On the next screen, find and click the tab (on the right) that says “View All Cards”. Important: do not click the CARDS menu item of the same name because it will have a different result.
Step 3: View upgrade offers
After a moment, you should see a screen like this, with upgrade offers on the left (your offers will be different than mine):
Business Offers
To find offers for new business cards (but not upgrade offers), click on the top Cards menu and then on “View All Small Business Cards”. Then, on the top right of the screen, click Explore… Find Special Offers:
In my case, I haven’t found offers this way that are any better than those on my Best credit card offers page, but some have reported finding really great offers. Good luck!
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[…] Before cancelling cards after a year, it may also be worth checking to see if you can get a good offer for upgrading the card. See this post for details: Targeted Amex upgrades. […]
Does this still work? I clicked on the Apply Now button for a credit card I already have and it takes me to the application form for the credit card I already have NOT the upgrade option.
You need to:
1. Log in to your account
2. Find the offer for the upgraded card (not the card you currently have)
3. It should have a button next to it “Apply for upgrade”
4. click that button to find your upgrade offer
Looks like now you need to click “Apply Now” on a card you already have, and then an upgrade offer may appear on the next screen. They keep messing with the website.
Thanks for that tip. Do you know if it works for business cards? I know it works for personal cards.
It seems that they no longer have the apply now button for cards you currently have, any other tips on finding upgrade offers? I’m looking to upgrade my hilton card to the surplus but I’d like to get points when I do.
I think I figured it out…I clicked the Apply Now button for the Hilton Surplus card and it took me to an upgrade offer
There is no more “Find Special Offers” on the business cards side of things. Any workarounds?
Thanks, the new method worked for me. I received an upgrade offer on my Delta AMEX.
UPDATED Approach:
Click “Cards… View all cards”
Then look at each card shown. If you have any upgrade opportunities, there should be a button next to the card that says “Upgrade Now”. Click the button and then read the offer that is shown.
Same issue as Alisa today. Can this post be updated? I need an upgrade offer – I have Delta Gold, Hilton NAF and Blue that I could upgrade with, but can’t find an upgrade offer anywhere.
This worked for me when you first published it but now I see no upgrades when I “view all cards”. Just all the cards including ones I have.
Is it just me or does this method no longer work?
I think you’re right. Will have to seek out another way
[…] Miler wrote “How to find Amex Upgrade offers“. I was not aware of these offers. I may click around next time I am in my Amex account […]
Can I upgrade my costco card to other kind? I am really curious.
Not surprisingly, no offers are shown when I try this. Over the past few months I’ve gotten lucrative Business charge card offers emailed to me but that’s it. I don’t put a lot of spend on my AmEx (only Costco and groceries – I don’t MS). I don’t think they’ll be offering an upgrade from my BCE anytime soon.
In my case does it mean I am not being offered any bonus offer for the upgrade:
KEEP YOUR ACCOUNT NUMBER
Upgrade without changing your account number.
ANNUAL FEE
The annual fee for the Platinum Card is $450. For up to three Additional Platinum Cards, the total annual fee is $175. Each Additional Platinum Card after the first three Cards is $175.†
APR
No interest charges because you pay your balance in full each month.‡
Yes, if it doesn’t show bonus points then I don’t think you’d get any
So I called them and was told that currently available offer for me is to upgrade my gold card to platinum in order to get 50K points. The annual fee, however, keeps me thinking about it for a bit longer 🙂
It would be worth it to me to see which cards you can downgrade to a no-fee card also.
After more than one year of AoRs all of my annual fees are hitting now.
True! I think you have to call for that
So for me I see the offer to upgrade my Hilton to Hilton Surpass, but when logging in for it, it then says I’m not eligible…
Have you had the Hilton card for less than 13 months?
Yes. And I was surprised that it’s coming up as an upgrade offer, but once clicking through it isn’t working. Might call them and see what they say.