How to Create Multiple Amex Login Accounts (And Why You Would Want To)

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If you want to upgrade lower tier American Express charge or credit cards to higher tier cards online, you can create separate Amex logins to make it easier.

Creating additional Amex logins allows you to easily upgrade lower tier cards to higher tier cards. For instance you can upgrade the American Express® Gold Card to the The Platinum Card® from American Express. Or compare the Amex Gold vs the Amex Platinum.

American Express Gold Card military AMEX Gold Card Military No annual fee SCRA $250 annual fee waived
  • Learn how to apply for the American Express® Gold Card
  • $250 Annual Fee waived for US military and spouses (rates and fees)
  • Earn 60,000 Membership Reward Amex points after spending $4000 in the first 6 months of account opening
  • Rose Gold is back! Choose between the Gold or Rose Gold version when you apply.
  • 4x points on all restaurants, including takeout and delivery
  • 4x points on US supermarkets (up to $25,000 per year) – includes OCONUS Commissaries
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  • No foreign transaction fees – great for the 4x on restaurants when travelling for fun, OCONUS TDY, or PCS!
  • $120 annual Uber or Uber Eats cash. Earned as $10 per month.
  • $120 per year credit at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House or Shake Shack (enrollment required)
  • Read my full review of the Amex Gold card for military, terms apply

If you are in the military or married to a military servicemember, you get annual fees waived on all personal, not business, Amex cards. This allows you to accumulate multiple cards that have recurring annual benefits, like free hotel nights or restaurant credits, without paying annual fees on any of the cards.

Amex Cards You Can Upgrade

You can usually upgrade any lower tier card in the same “family” to a higher tier card. Sometimes there is a welcome bonus offer for the upgrade. If you already have the higher tier card, you may not be eligible for this offer. Check the offer for “lifetime language.”

I recommend you always open the highest tier card first to earn the welcome bonus, then open the lower tier cards and earn the welcome bonuses on them. After 1 year, you can upgrade the lower tier cards to the higher tier card.

Upgradeable Amex CardsLow Tier –>Middle Tier –>Higher Tier
Amex Hilton HonorsHilton Honors American Express CardHilton Honors American Express Surpass® CardHilton Honors American Express Aspire Card
Amex Metal CardsAmerican Express® Green CardAmerican Express® Gold CardThe Platinum Card® from American Express
DeltaDelta SkyMiles® Gold American Express CardDelta SkyMiles® Platinum American Express CardDelta SkyMiles® Reserve American Express Card

How to Easily Upgrade Amex Cards

To easily upgrade Amex cards, you just need a separate Amex login username, for instance if “john1” is your primary, make a new account with the username “john2.” You can use the same email and password for both accounts, Amex does not care.

  1. Go to your john1 account, find the card you want to remove (AMEX Hilton Surpass)
  2. Go to Account Services, then Card Management
  3. Remove Card from online management. Select the card you wish to remove.
  1. Log out of john1
  2. Login or create a new account, for instance “john2” on,
  3. Then just add the card you just removed to john2. You should be able to upgrade within a few hours or instantly.

Look for the upgrade option under the “card” link at the top of The Amex “Request an Upgrade” button should look like this:

You can then add the new upgraded Amex card back to your main john1 account. Remove it from john2 just like you did for john1.

You need to hold Amex cards for 1 year before they are eligible for upgrade. This is due to the CARD ACT, a law that does not allow banks to charge you a higher annual fee than what you signed up for in the first year of card membmership.

Sometimes AMEX offers upgrade offers like “upgrade your Surpass to Aspire and spend $5000 to earn 150k points.” You should be eligible for this upgrade offer even if you already got a welcome bonus on the Aspire.

If you No, what your did won't impede your upgrade in a year. I use the same email for all accounts.

Amex Card Upgrades FAQ

Can I switch from one Amex card to another?

Yes, you can upgrade from one Amex card to another. However, it has to be in the same “family” of cards. A Hilton Surpass can upgrade to a Hilton Aspire, a Delta Platinum to a Delta Reserve, and an Amex Gold to an Amex Platinum.

Should I upgrade my Amex Gold to Platinum?

If you are in the military, you should definitely upgrade an Amex Gold to another Amex Platinum. Then just apply for another Amex Gold card. You will not be eligible for the welcome bonus

Can I upgrade from Amex Green to Amex Gold?

Yup! You can upgrade from the Amex Green card to the Amex Gold card. However I recommend upgrading from the Amex Green to the Amex Platinum. If you are in the military, you can then open another Amex Green so you still have all the benefits of Amex Green card membership.

Can you upgrade from Gold to Platinum Amex?

Yes, you can upgrade from the Amex Gold to the Amex Platinum. The Amex Gold is a great card though, so make sure you open another one if you upgrade to another Amex Platinum card.

8 thoughts on “How to Create Multiple Amex Login Accounts (And Why You Would Want To)”

  1. Hi Spencer, years ago we upgraded our amex card to PLAT and never got he welcome bonus as it was an upgrade. Since the recent amex offer is so high. Is it possible to move the PLAT card to account 2, and then in account 1 completely reapply new for the AMex plat to get the welcome bonus? will that work or is this workaround only available for upgrades?

    • Only works for upgrades. You can usually only get an Amex card bonus once per lifetime. Technically it’s once every 7 years but that’s 7 years since closing the last card.

  2. Hi Spencer-great site, great course!

    My wife and I both have the Platinum card and I’m about to open the Gold for myself. I understand it’s necessary to create a new user name in order to upgrade to Platinum after one year.
    In regards to the signup bonus and accumulation of all other MR points, can I pool them from all of my cards onto one of my user names (most likely my original Platinum)? Maybe you’ve written about this already.

    Also-unlike Chase, Amex does not allow you to combine MR points with anyone else like a spouse, correct?


    • Points automatically pool across accounts, even on different logins. Amex must match them by the account owner’s Social Security Number (SSN).

      So for instance, if you have an account with username Kevin1 with an Amex Platinum and an account Kevin2 with an Amex Gold, the points combine across both accounts. Your Amex MR points will add up across both accounts.

  3. Thank you so much for the reply. I was thinking about the upgrade offers from low tier to higher tier Hilton cards. I understood that you recommended to make multiple Login accounts to get the upgrade offers. Realistically, I am not sure if Amex would offer any upgrade bonus to the MLA beneficiaries. I wonder if you have received any upgrade offers.

    • Yes, I received an upgrade offer once on a lower tier Hilton card to upgrade to an Aspire card for 150,000 points when you spend $4000 in 3 months. This was a few years ago and was just a lucky break I think. I would rather have the $250 resort credit + annual free night rather than wait around for the chance to maybe, possibly, get a 150k point upgrade offer.

  4. Spencer, I have a couple of questions. I have Marriott Bonvoy Brilliant, Hilton Honors Aspire, and Hilton Honors (no AF).

    1. Would you recommend another Marriott Brilliant or Hilton Surpass? If I get a Surpass, I will plan to upgrade to another Hilton Aspire on year 2. I think Hilton Aspire is probably a better card than Marriott Brilliant but I am already in a diamond status with the existing Aspire card. I don’t know how much benefit I am getting more by having additional Aspire vs Marriott Brilliant. I feel Brilliant is little bit easier to use the $300 credit and annual free night stay. Of course, I won’t get another sign up bonus with 2nd Brilliant.

    2. Would you upgrade the Hilton Honors card to Aspire on year 2 or upgrade to Surpass on year 2 and then to Aspire on year 3. Obviosuly, I will end up with more bonus points by upgrading twice. However, I will start using the Aspire benefits 1 year early by upgrading Hilton Honors to Hilton Aspire card on year 2.

    Thanks in advance

    • 1. I would get the Surpass for the welcome bonus and then close it after a year to open another Bonvoy Brilliant. Then you’d have 2 Hilton Aspires, 2 Marriott Brilliants, and 1 other Amex credit card to complete your 5.

      2. You are usually not eligible for the welcome offer when you upgrade. So no reason to upgrade to Surpass and then Aspire. Just go straight to Aspire. And again, no welcome bonus is usually offered, unless you see one on


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