Create Multiple American Express Login Accounts to Upgrade Amex Cards

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If you want to upgrade American Express cards to higher tier cards online, you can create separate AmericanExpress.com logins to make it easier and faster.

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 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

American Express® Gold Card
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  • Earn 60,000 Membership Reward® Points after spending $6,000 on eligible purchases with your new card in the first 6 months of Card Membership
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  • Earn 4x points on US supermarkets (up to $25,000 per year, then 1x points) – includes OCONUS Commissaries
  • Earn 3x points on flights booked directly with the airline or on amextravel.com
  • No foreign transaction fees – great for the 4x on restaurants when travelling for fun, OCONUS TDY, or PCS!
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  • $120 per year Dining Credit: Earn up to $10 per month in statement credits when you use your Amex Gold at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations. Enrollment required.
  • Choose between the Gold or Rose Gold version when you apply.
  • Read my full review of the Amex Gold card for military, terms apply
  • $250 Annual Fee* See more details about American Express protections for you and your spouse 

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
All information about the Hilton Honors American Express Aspire Card has been collected independently by MilitaryMoneyManual.com

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 AmericanExpress.com,
  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 AmericanExpress.com. 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 about 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 membership.

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.

I use the same email for all accounts with no issues.

Military SCRA MLA AMEX Platinum

The Platinum Card® from American Express
Learn how to apply on our partner's secure site

  • Annual fee of $695* See more details about military protections for you and your spouse 
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership
  • Earn 5x points on airfare booked directly with airline or on amextravel.com up to $500,000 per calendar year
  • Earn 5x points on prepaid hotels at amextravel.com
  • $200 Annual Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. Note that The Hotel Collection requires a minimum two-night stay
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  • $200 Uber Cash: Uber VIP status and up to $200 in Uber savings on Uber Eats and rides every year. Only available to the basic card member, Terms Apply
  • $200 Airline Fee Credit: Up to $200 in statement credits per calendar year in baggage fees and more at 1 qualifying airline
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  • Complimentary access to the American Express Global Lounge Collection® lets you visit more than 1,400 airport lounges across 140 countries and counting. You can love the lounge life with more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
  • Up to $100 annual Saks Fifth Avenue credit, enrollment required
  • No foreign transaction fees
  • The Platinum Card® from American Express – learn how to apply
  • Read my full review of the Amex Platinum card for military, terms apply

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.

Can I upgrade my Amex card?

Yes, American Express cards can be upgraded to the higher tier version. So for instance an Amex Green card be upgraded to The Platinum Card from American Express.

25 thoughts on “Create Multiple American Express Login Accounts to Upgrade Amex Cards”

    • Yes they automatically combine across logins. I think it’s based on your Social Security Number and your Membership Rewards account number, which is the same across all your Amex cards, regardless of login details.

      Reply
  1. Hi Spencer – absolutely love the website!

    1. I might have missed it, but what’s the actual point of creating 2 accounts? Is it to get the upgrade link online? Be eligible for an upgrade bonus? Or some other reason? The reason I ask is because I was able to upgrade my gold to my 2nd platinum by just calling and that seemed to work fine.

    2. How many times are you eligible to upgrade the gold card to a platinum?

    Thanks!

    Reply
    • 1. Yes, to get an upgrade link online and be eligible for an upgrade bonus. Calling is fine but some people don’t want to call or bring human attention to their accounts.

      2. You can open up multiple Amex Gold cards and get an upgrade offer on each card to upgrade to an Amex Platinum. However, the upgrade offers are targeted per person so you might need to wait to be targeted for a few months in between upgrade offers.

      Reply
  2. I am interested in pursuing the multiple AmEx plat option.

    1. I currently have a AmEx gold. To clarify, I would apply for the platinum vanilla, and eventually the green (get the bonus for both of these). Then all 3 cards would be a part of my (original AmEx account). After it has been 1 year since my gold…I would then proceed to do the account swap with gold to see if the the upgrade option is available, upgrade the card, remove (new platinum) from the second account and add it back to the original account that has the vanilla platinum?

    2. Repeat this same process with (Green+ Delta + Hilton+ Marriott tier cards) when it has been a year since opening?

    3. Would you do this same process of swapping accounts with the Charles Schwab or Morgan Stanley platinum? I’m assuming not because they are not lower tier upgradeable cards…so they could be just applied for and added to the original account as well as allow you to get the bonus?

    Thank you for all the insight.

    Reply
  3. I am retired military, five years, active 20+ years reserves. Does a retired officer have the same benefits for all of these accounts if not, do you have suggestions for a retired military?

    Reply
    • No, sorry, the way the SCRA and MLA laws are written only active duty, Guard and Reserve on 30 day active duty orders, and military dependents (spouses) are eligible as covered borrowers.

      Reply
  4. Hello Spencer,

    After removing my surpass from account 1 and add to account 2 for upgrade to Aspire, can I move the newly upgraded Aspire to account 1? Will there be any issues if I do that on my main account 1 with 2 Aspire cards?

    Thanks!

    Reply
    • Yes, you can move the newly upgraded Aspire back to account 1 with no issues. My main Amex account has 2 Aspires, 2 Marriott Bonvoy Brilliants, and 7 Platinum cards. No issues.

      Reply
      • Thank you Spencer. Awesome work that you doing for all of us service members. Btw, do you have any tips or tricks to have AmEx target you for an upgrade bonus? I want to upgrade to Aspire but hoping to get an upgrade bonus.

        Reply
      • What’s the benefit of having 2x Aspires cards. I assume the benefits don’t double (you aren’t getting 500 in airline credit)

        Reply
        • The benefits double. So with two Aspire cards: 2x free annual nights, 2x $250 resort credit, 2x $250 airline credit, etc.

          With two Amex Platinum cards you’ll get 2x hotel credits, 2x airline few credits, etc.

          Reply
        • No unfortunately that benefit does not stack over cards of the same type. Elite night credits do stack if you get a business and a personal Marriott credit card.

          Reply
  5. 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?

    Reply
    • 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.

      Reply
  6. 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?

    Thanks!

    Reply
    • 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.

      Reply
  7. 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.

    Reply
    • 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.

      Reply
  8. 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

    Reply
    • 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 AmericanExpress.com

      Reply

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