Upgrade the Amex Gold Card to Another Amex Platinum With This Tip

I will show you how to get your 1st $550 annual fee waived in my Ultimate Military Credit Cards course
The Amex Gold card is annual fee waived for military. It's even better than the Amex Platinum for everyday spending on dining and groceries.

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The American Express Gold card military benefits include a $250 annual fee waiver. This card easily upgrades to an additional American Express Platinum card, with all the recurring benefits that come with that card.

In June I picked up the American Express Gold Card with no annual fee due to my active duty military service.

Learn how to apply for the AMEX Gold Card and the AMEX active duty military fee waiver.

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
  • Earn 60,000 Membership Reward Amex points after spending $4000 in the first 6 months of account opening
  • 4x points on all restaurants worldwide
  • 4x points on US supermarkets (up to $25,000 per year) – includes OCONUS Commissarries
  • 3x points on flights booked directly with the airline or on amextravel.com
  • No foreign transaction fees – great for the 4x on restaurants worldwide when travelling for fun, OCONUS TDY, or PCS!
  • $100 airline fee credit
  • $120 per year credit at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House or Shake Shack
  • Read my full review of the Amex Gold card for military

American Express significantly increased the value proposition of this card. They added great new spending category bonuses and an increased welcome bonus. This card now deserves a place in your wallet right next to the military annual fee waived AMEX Platinum.

The AMEX Gold Card also waives the annual fee for military servicemembers. Here are the features making this card worthwhile.

AMEX Membership Rewards

Membership Rewards are one of two of the most flexible credit card reward systems. Other than Chase Ultimate Rewards points, Membership Rewards allows the most valuable transfers to airline and hotel partners. This allows you to book awesome business and first class tickets on great airlines.

You can also use the points for Amazon purchases, booking travel through AMEX's portal, and buying gift cards. Usually though, you should save your points up for a transfer to a travel partner for the most valuable redemptions. MR points are frequently valued at 1.5-2.5 cents per point or 100 points = $1.50-2.50.

4X Points at Restaurants and Grocery Stores

This is an awesome benefit. You can get 4 Membership Reward points for every dollar spent at restaurants worldwide and US grocery stores. DECA Commissaries OCONUS qualify for the “US” grocery store category, because of the way they process credit card transactions.

The 4X points at restaurants is great when you can find a place that takes AMEX internetionally. Most places I have seen overseas definitely take Mastercard and Visa but AMEX is not as widely accepted.

If you're travelling internationally better have the Chase Sapphire Reserve in your wallet as backup and receive 3X Ultimate Rewards. The CSR recently updated it's military policy and now has no annual fee for military members and spouses.

$100 Airline Credit w/ AMEX Gold Card Military

Similar to the $200 airline credit offered on the AMEX Platinum, this card offers a $100 airline credit. The fine print says it's not good for airline gift cards, but check the FlyerTalk forums and Reddit for data points.

Many cardholders report airline gift cards ARE reimbursed by a statement credit within 3-4 days after purchasing the gift card. This is my experience as well. This year I purchased a $100 Southwest gift card on March 2 and received reimbursement on March 7.

Combined with a few AMEX Platinum card airline credits, you could rack up a significant number of gift cards on a single airline.

Upgrade (Product Change) Gold Card to a Platinum

Military SCRA MLA AMEX Platinum

The best part of the Gold Card is one year after you open the account you are eligible to upgrade to the American Express Platinum card. This is true even if you already have another AMEX Platinum.

As long as you keep the Gold Card on a separate login for your AMEX online account, you should be offered the upgrade link online. Even if you added the card to your current login on AMEX, you can drop the card from your login and create a new login to manage the card.

As long as the AMEX online account doesn't have another Platinum card attached to it, you should be able to upgrade your card.

This is an awesome way to add more AMEX Platinum cards to your inventory. Since military servicemembers pay no annual fees on AMEX cards, you can stack all the benefits on the AMEX Platinum.

AMEX Platinum Benefits for Military Members

Let's say you and your spouse each have a “vanilla” (regular) AMEX Platinum, a Schwab Platinum, and an upgraded AMEX Gold Card to Platinum. That's six AMEX Platinum cards with no annual fees, saving you $3300 in annual fees.

You'll also get all the welcome bonuses for these six cards as you build your Platinum Portfolio, which could be worth 300,000+ MR points.

But wait, there's more. Since each Platinum card comes with it's own benefits, every year you'll get:

  • $1200 in Uber credits (6 x $200), also valid on Uber Eats
  • $1200 in airline fee credits (6 x $200)
  • $600 in statement credit at Saks Fifth Avenue (6 x $100)
  • Free Priority Pass access to airport lounges and Centurion Lounges
  • 2 Free Global Entry membership ($200 value)
  • Free Hilton Honors and SPG Gold Statuses

This is free money you're leaving on the table by not building your Platinum card collection as a military member. Start building your collection today with the American Express Gold Card and pick up the easy welcome bonus now. Then, after a year upgrade the card to a Platinum and reap the Platinum benefits.

If you have upgraded your Gold Card to a Platinum, let me know in the comments! Marcus upgraded his Gold Card and described how easy it was in the comments below.

29 thoughts on “Upgrade the Amex Gold Card to Another Amex Platinum With This Tip”

  1. Hi Spencer,

    Great blog, I enjoyed reading it. A question for you : I have an offer to upgrade AMEX green to platinum (I already had platinum in the past). I am also interested in getting the AMEX Charles Schawb. If I want to get both, what is the best course of action and timeline. I was thinking to first apply to Schwab, than in the same day or few days after upgrade the green to platinum? Do you agree? Also, do you think it will be beneficial to create a separate login for the AMEX green prior to applying to the schwab or upgrading the green to platinum?

    Some background about my situation, I have the schawb investor card and 100k in investment with them, green card, hilton honors surpass, amazon business prime, and delta skymiles blue card/

    Thanks for the help Spencer and keep up the good work

    Reply
    • I recommend opening an Amex Platinum to earn the welcome bonus first. Here’s my link to apply. Once you’ve secured your Amex Plat, then go back and upgrade the Green to Plat. You might need to put the green on it’s own Amex login by dropping it from your current login. Or just put your new Amex Plat on a new login. Once you’ve finished minimum spend for your new Amex Plat, then open a Charles Schwab Amex Plat and earn the bonus on that as well. How to open multiple fee waived Amex Platinum cards details in this post.

      Reply
  2. If you can reapply for an amex gold/green after upgrading one, can you then infinitely upgrade to platinum and repeat? (Mind you me and my wife are both active duty and have 6 platinums between us currently).

    Reply
    • Yes. I also have 6 Platinums between me and my wife. You can get multiple Amex Platinums in the military. There is a rumor that Amex is adding a 10 charge card limit to their credit card application rules, similar to their 5 credit card limit. This would limit you each to 10 charge cards per individual and would put an eventual cap on the number of Platinum cards you can have. I think you should probably limit yourself to a maximum of 5 Amex Platinum cards each or risk highlighting yourself for account closure.

      Reply
  3. Can you upgrade your Amex Gold/Green to a Plat even if you already have a reg Plat? By reg Plat I mean non-branded Plat so not talking about Schwab or Ameriprise Plat. If you can, and you’ve waited a year since opening the account and dont see it as an option, what can you do about it? Thanks.

    Reply
    • Yes you can. You need to move the card to another AmericanExpress.com login.

      You just need a separate AMEX login username, like if john1 is your primary, make a new account john2. You can use the same email and password.

      Go to your john1 account, find the card you want to remove (AMEX Green or Gold) and go to account or card services, card management and remove from online management.

      Log out of john1, login or create john2, and add the card you just removed card to john2. You should be able to upgrade to another Platinum within a few hours or instantly. You can then add the newly upgraded card back to your main john1 account.

      You need to hold the AMEX Platinum for 1 year before it’s eligible for upgrade.

      I use the same email for all accounts.

      Once the account is upgraded you can apply for another Green or Gold card, since you no longer have that account type open. However you will not be eligible for the bonus again for 7 years. Or if you find an offer without a lifetime bonus in the terms and conditions, you may be able to get around the 7 year restrictions.

      Reply
      • Once you’ve waited a year, where do you go to actually upgrade? Do you have to call it in or can you do it on the website?

        Thanks.

        Reply
        • You can call but it’s easiest to just add the card to separate AMEX login (details in another comment below) and then upgrade by going to “Other cards recommended for you” and then click “Request Upgrade” on the card you want to upgrade to.

          Reply
    • 1. Login to americanexpress.com
      2. Go to account services option
      3. Under the “Card Management” section, look for “Remove Card from Online Management”
      4. Once you’ve removed the card you want from the account, just log out of americanexpress.com and create a new profile and add the card you just removed to it.

      Reply
  4. My Wife Is Active Duty –

    1. She applied for Biz Plat 75k offer and was accepted (can she still get AF waived?)
    1a. I owns a business, can I get the Amex Plat Biz AF waived as a military spouse?

    2. She applied for Personal Plat 60k and was accepted, will follow steps to waive AF.

    3. She just upgraded her Amex Gold to Amex Plat. There are no “welcome” benefits, right? Just the yearly credits, no AF, etc.

    Reply
    • 1. Yes
      1a. Yes, if you’re in a common property state. Otherwise you’ll need to add your wife as an authorized user to the card to get your annual fees waived.
      2. Cool
      3. Usually no welcome offer just annual benefits like you said. There will be a clear welcome bonus offer before you upgrade. Usually on lower tier hotel (SPG or Hilton) or other cobranded cards.

      Reply
  5. Yes. The PRG just added a bunch of new benefits including 4% on restaurants and grocery stores. Huge. I probably won’t convert it to a Plat now.

    Reply
    • You could convert to Plat and pickup a new PRG (name changing to American Express Gold Card). That’s what I’m going to do. Especially since the card is rumored to have 4% back on restaurant purchases.

      Reply
  6. Marcus, thanks for the reply. If you are not prompted when opening the new login to upgrade the PRG to Plat, where do you find it on the AMEX site? Also, please let us know how this SCRA claim that was submitted to AMEX two weeks ago turns out.

    Reply
    • To be honest I don’t remember if it says it on the side of the account home page or if I had to go to credit offers to get the updgrade. Either way I know you can always call in to upgrade to the Platinum. If you call make sure to ask if you can get a bonus introductory offer as those show up every once in awhile.

      Reply
    • So as an update I just checked my Platinum and I was charged an additional membership renewal fee of $504.16 and then reimbursed $178. I don’t know exactly what’s going on. My SCRA request is still in progress, so I am tempted to wait and see if they are still figuring it out, but if my fees aren’t reimbursed within the next 1.5 weeks I’ll probably try and call to get it figured out.

      Reply
    • I finally had my SCRA go through for my new Plat but it took an extra 2 days for me to get reimbursed for all the annual fees. However, now they have overcompensated me by about $175 and I’m sitting at a $338 balance on my card. I also saw a data point the other day about someone getting a replacement PRG for the one they converted to a Platinum and so I decided to go for it and was accepted. It wouldn’t allow me to add it to my login that had the Ameriprise PRG so I just created a separate account for it.

      Reply
  7. Marcus, were you able to register your “new” AMEX Plat with Uber? I am looking to do the same thing that you did. So, you just unlink it from your main AMEX login, create a new login just for this card and right away it asks you if you want to upgrade this PRG to an AMEX Platinum? Have you received the new Plat? Had any issues with AMEX? I, too, do not want to “fly to close to the sun.”

    Thanks a lot.

    Reply
    • All data points suggest that you can remove, add to new login, upgrade to Platinum, and add to Uber for credits. Also you get airline fee credits as well, as it is a full up Platinum card. I don’t think you need to keep the PRG-now-Platinum on separate logins after upgrading, but I would be interested in Marcus’s experience as well.

      Reply
    • So my card still says that I need to “enroll with Uber” but when I added the card to my Uber account it gave me the credits. I think I missed July since the credits come out at the beginning of the month. But yes I followed all the same steps you mentioned above. Though I don’t remember if it prompted me to upgrade to the Plat or if I had to search for the link. Everything has worked well though. I already got my $200 Southwest gift card reimbursed to my account as well as my Saks $50 credit for this half of the year. The only strange thing was about 3 weeks ago I was charged the PRG annual fee. I had applied my SCRA benefits to my card when it was a PRG and I guess it got taken off the card? I submitted my claim for SCRA benefits on the Plat version 2 weeks ago and the claim is still in progress. I feel like it is taking a little longer than usual, but we’ll see.

      Reply
  8. Well, it worked. The application immediately said I was approved and would receive a card in 7 – 10 days. It took about 12 hours for my account to show that it had changed to a Platinum and a couple hours longer for the Shops Saks and Airline credit to become available for enrollment. The only slight problem is I have to enroll my card with Uber but it won’t let me use my email and cell phone number since they are associated with my other account. Hopefully, I can use a second email address and a home phone number to enroll the card and then I will add the card in the Uber app and the credits should appear.

    Makes me wonder if I could apply for the PRG (since I don’t have it anymore) and then keep upgrading it….But I’m not trying to fly too close to the sun.

    Good catch on finding out you can upgrade your card.

    Reply
    • Awesome data point! Thank you for playing guinea pig. Were you offered a Membership Rewards welcome bonus with minimum spend? I’m looking forward to one year from now when I can upgrade my PRG.

      Reply
      • No offer. I looked on other websites and didn’t see any current offers going around to upgrade to Platinum so I went for it. I’m curious if I would be able to add my Platinum back to my original online account but I don’t want to risk the airline/UBER/Saks credit being taken away.

        It’s also nice that it keeps the same number as my previous card and doesn’t count as opening a new account. I’ll be elligble to apply for the Sapphire Preferred in February based on the 5/24 rule and opening another card would have delayed my efforts.

        Also, don’t know if you’ve seen the AMEX Hilton Aspire card but it would be another awesome card for military members.

        Reply
  9. Additionally, how do you drop a card from its current login and give it a new login. Do I go the “Remove a card account” and select the PRG. Then create a new online account and register the PRG as a new card on that account? Thanks!

    Reply
    • Yes, that should be the procedure. Please try and let us know how it goes! I created a separate online account when I got the PRG, so I don’t have personal experience with this method.

      Reply
  10. Is there any kind of associated bonus to upgrade from the PRG to the Platinum? I am currently deployed and wouldn’t be able to reach the spend minimum. However if there is no bonus then I would like to take advantage of the airline credit before the year ends.

    Reply

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