Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.

How To Upgrade an Amex Card: A Complete Guide [2024]

Stephen Au's image
Stephen Au
Stephen Au's image

Stephen Au

Senior Content Contributor

486 Published Articles

Countries Visited: 24U.S. States Visited: 22

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used...
Edited by: Nick Ellis
Nick Ellis's image

Nick Ellis

Editor & Content Contributor

156 Published Articles 770 Edited Articles

Countries Visited: 35U.S. States Visited: 25

Nick’s passion for points began as a hobby and became a career. He worked for over 5 years at The Points Guy and has contributed to Business Insider and CNN. He has 14 credit cards and continues to le...
& Kellie Jez
Kellie Jez's image

Kellie Jez

Director of Operations & Compliance

6 Published Articles 1178 Edited Articles

Countries Visited: 10U.S. States Visited: 20

Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

American Express tends to offer many different tiers of cards. Over time, your needs may evolve, and you might originally opt for a simple cash-back card with little to no benefits but discover that you can enhance your travels or get more out of your card by upgrading it to a more premium option.

So if you’re thinking about upgrading your Amex card to a higher-tier option, you’ve come to the right place! Today, we’re going to walk you through all the ins and outs of doing just that so you can make the best decision possible.

How To Upgrade Your Amex Card

The way you upgrade your Amex card is dependent on whether or not you see an upgrade offer online.

The first way you can tell if you have an upgrade offer is by logging into your online account at americanexpress.com and looking around on the account dashboard to see if you’ve been targeted for any upgrade offers.

Amex also sends out upgrade offers via email, which can look something like this:

Amex Business Platinum upgrade
Offer captured May 8, 2023, and may not be available to all cardmembers. Image Credit: American Express

Sometimes, you’ll be allowed to request an upgrade online without an offer, and it’ll look something like this (notice that there are no mentions of any offers for extra bonus rewards or points):

Upgrade offer Amex
Image Credit: American Express

In other cases, you may need to call to upgrade your Amex card. Simply dial the number on the back of your card and speak to an agent about upgrading your Amex card.

You’ll need to have your card open for at least 1 year to be eligible to upgrade, and you must upgrade to a card within the same “family” of cards. For example, you cannot upgrade a Hilton credit card to a Marriott credit card because they are not in the same family.

Also, you can’t upgrade a personal card to a business card and vice-versa.

Reasons To Upgrade Your Amex Card

Although the decision to upgrade your Amex card depends on the individual, there are a few different groups of people for which it makes a lot of sense to upgrade:

You Get a Targeted Upgrade Offer

If you were thinking about upgrading your Amex card at one point but just haven’t pulled the trigger for one reason or another, you might want to do so as soon as you get an upgrade offer delivered to your email inbox or online account.

These targeted upgrade offers are particularly lucrative and could mean thousands of dollars back in your pocket.

Targeted upgrade offers are sent only to specific cardholders, and they’re typically time-sensitive. In some cases, the offers are so time-sensitive that they may be pulled even before the quoted expiration date!

For example, if you receive a targeted upgrade offer that requires your action by June 30, don’t be surprised if you try to accept the upgrade offer by June 27 and the offer is no longer valid!

There’s a Specific Perk You’re Looking For

Usually, when you’re considering upgrading your card, you’re doing so because there’s an attractive benefit or feature offered on the card you’re contemplating upgrading to.

For example, if you have the American Express® Gold Card and are longing for airport lounge access because you’re a frequent traveler, The Platinum Card® from American Express is one of the cards you’d likely be considering upgrading to.

Similarly, if you currently have a card like the Hilton Honors American Express Surpass® Card that gets you Hilton Honors Gold status just by holding the card, but are looking for top-tier Hilton Honors Diamond status, you’ll need to upgrade to the Hilton Honors American Express Aspire Card.

If you’re currently holding a Delta SkyMiles® Gold American Express Card and are looking for a credit card that gives you an annual companion certificate, you’ll want to upgrade your Delta Gold card to the Delta SkyMiles® Reserve American Express Card to access that perk.

The list goes on, but those who benefit most from upgrading their card will be focused on the 1 or 2 specific benefits where they would get the most value.

Your Spending Habits Change

Another great reason to upgrade your Amex card is if your spending habits start changing. For example, let’s say you currently have the American Express® Green Card and you originally got it because you spend a substantial amount of money every month on eating out as a young professional.

But as time went on, you got married, started a family, and your food expenses skyrocketed — you still eat out from time to time, but most of the spending is now at grocery stores.

This would be a fantastic reason to upgrade your Amex Green card to the Amex Gold card, which not only earns more at restaurants worldwide (4x with the Amex Gold card compared to 3x with the Amex Green card) but also earns 4x points (on the first $25,000 per calendar year, 1x thereafter) at U.S. supermarkets.

This singular move alone could result in earning hundreds of thousands of extra points in just a few years!

Bottom Line:

You should consider upgrading your Amex card if you get a targeted upgrade offer, if you need a specific benefit that your current Amex card doesn’t have, or if your spending habits change and your card strategy needs to be re-evaluated.

Amex Membership Rewards Cards

Amex Business Gold vs Business Platinum vs Business Green
Image Credit: American Express

In each of the following sections, we’ll be walking you through each of the major card families in the Amex portfolio and comparing the benefits that each card has to offer.

We’ll start off with the most popular family: Membership Rewards cards.

As a rule of thumb, these cards constitute Amex’s flagship Membership Rewards family:

In general, you can upgrade your Amex Green card to the Amex Gold card or Amex Platinum card. Meanwhile, you can also upgrade your Amex Gold card to the Amex Platinum card.

As for business cards, here are the options that are part of the Membership Rewards family:

You can upgrade the Amex Business Green card to either the Amex Business Gold card or the Amex Business Platinum card — you can upgrade your Amex Business Gold card to the Amex Business Platinum card.

*All information about these cards has been collected independently by Upgraded Points.

Benefits Comparison

Without further ado, let’s get neck-deep into our benefits comparison for the major Amex cards!

Note: some benefits mentioned below require enrollment through your American Express account.

SCROLL FOR MORE
 The Platinum Card® from American ExpressAmerican Express® Gold CardAmerican Express® Green Card
Rewards
  • 5x points on airfare purchased directly from the airline and through AmexTravel.com (up to $500,000 per calendar year)
  • 5x points on prepaid hotel stays booked through AmexTravel.com
  • 1x points on other eligible purchases
  • 4x points at restaurants worldwide, including takeout and delivery in the U.S.
  • 4x points at U.S. supermarkets (up to $25,000 per calendar year)
  • 3x points on airfare purchased directly through the airline or AmexTravel.com
  • 1x points on other eligible purchases
  • 3x points at restaurants worldwide, including takeout and delivery in the U.S.
  • 3x points on transit
  • 3x points on travel
  • 1x points on other eligible purchases
Travel Benefits Access to The Hotel Collection 
Statement Credits
Annual Fees$695 (rates & fees)$250 (rates & fees)$150 (rates & fees)
Authorized Users
  • Add authorized users for $195 per card; No authorized user fee basic Gold cards (not the same as the Amex Gold card) (rates & fees)

No authorized user fee for up to 5 cards, then $35 annually per additional card (rates & fees)

No authorized user fee (rates & fees)

And here’s our corresponding table for the best American Express business cards:

SCROLL FOR MORE
 The Business Platinum Card® from American ExpressAmerican Express® Business Gold CardAmerican Express® Green Card
Rewards
  • 5x points on airfare and prepaid hotels purchased through AmexTravel.com
  • 1.5x points on eligible purchases in key business categories and on purchases of $5,000 or more everywhere else (up to $2 million per calendar year)
  • 1x points on other purchases
  • 4x points on the top 2 business categories where your business spent the most each billing cycle (terms apply)
  • 1x points on other purchases
  • 2x points on flights and prepaid hotels booked through AmexTravel.com
  • 1x points on other purchases
Travel Benefits
  • Access to 1,400+ lounges as part of the American Express Global Lounge Collection
  • Access to Fine Hotels + Resorts and The Hotel Collection
  • Marriott Bonvoy Gold Elite status and Hilton Honors Gold status
  • Rental car status and benefits with National, Avis, and Hertz
  • Comprehensive travel insurance
  • 35% airline bonus (up to 1 million points back per calendar year)
  • Access to The Hotel Collection
  • Basic travel insurance

Basic travel insurance

Statement Credits
NoneNone
Annual Fees$695 (rates & fees)$375 (rates & fees)$0 introductory annual fee for the first year, then $95
Authorized Users
$300 annual fee for each additional Business Platinum card, $45 annual fee for each additional Business Gold Rewards card, and no authorized user fee for each additional Business Green card (rates & fees)$50 annual fee for the first additional Business Gold card and no authorized user fee (up to 99 total additional cards)(rates & fees)No authorized user fee

Amex Marriott Bonvoy Cards

Marriott Bonvoy American Express Bevy Brilliant Business Tile
Image Credit: American Express

Another popular family of credit cards that Amex offers is the co-branded Marriott Bonvoy credit cards. Although Chase also shares this portfolio with Marriott Bonvoy, American Express’ territory is with the ultra-premium and business variants of the Marriott Bonvoy cards.

Currently, there are 3 personal Marriott Bonvoy Amex cards and 1 business Marriott Bonvoy Amex card:

You can upgrade from the Marriott Bonvoy card to either the Marriott Bonvoy Bevy card or the Marriott Bonvoy Brilliant card. However, there are no upgrade options available to those who have the Marriott Bonvoy Business card.

Now, let’s take a look at a comparison of American Express’ line of Marriott Bonvoy co-branded personal credit cards:

Benefits Comparison

Note: some benefits mentioned below require enrollment through your American Express account.

SCROLL FOR MORE
 Marriott Bonvoy Brilliant® American Express® CardMarriott Bonvoy Bevy™ American Express® Card
Rewards
  • 6x points for eligible purchases at hotels participating in Marriott Bonvoy
  • 3x points at restaurants worldwide
  • 3x points on flights booked directly with airlines
  • 2x points on other eligible purchases
  • 6x points for eligible purchases at hotels participating in Marriott Bonvoy
  • 4x points at restaurants worldwide and U.S. supermarkets (up to $15,000 in combined purchases per calendar year, 2x thereafter)
  • 2x points on other eligible purchases
Travel Benefits
  • 1 Free Night Award every year after your card renewal month (up to 85,000 points)
  • Complimentary Marriott Bonvoy Platinum Elite status
  • Up to $100 Marriott Bonvoy property credit at The Ritz-Carlton or St. Regis when you book direct using a special rate for a 2-night minimum stay
  • Earned Choice Award
  • 25 Elite Night Credits every calendar year
  • Priority Pass Select membership upon enrollment
  • Complimentary Marriott Bonvoy Gold Elite status
  • 15 Elite Night Credits every calendar year
  • 1,000 bonus points per stay booked directly with Marriott Bonvoy
Statement Credits

TSA PreCheck or Global Entry application fee credit

None
Annual Fees $650 (rates & fees)

$250 (rates & fees)

Authorized UsersNo authorized user fee (rates & fees)No authorized user fee (rates & fees)

As you can see, the Marriott Bonvoy Brilliant card offers automatic Platinum Elite status among other benefits, making it an excellent card to upgrade to if you value these types of benefits.

Amex Delta SkyMiles Cards

Delta Amex cards
Image Credit: Delta Air Lines

Amex offers consumer and business co-branded Delta SkyMiles cards. Here are your options for the family of personal cards:

You can upgrade any of these Delta co-branded cards to any of the personal cards within the same Delta SkyMiles family.

And here are your options for business cards:

You can upgrade any of these Delta co-branded business cards to any of the other choices within the same Delta SkyMiles business credit card family.

Benefits Comparison

Here is a table comparing the personal Delta SkyMiles credit cards.

Note: some benefits mentioned below require enrollment through your American Express account.

SCROLL FOR MORE
 Delta SkyMiles® Reserve American Express CardDelta SkyMiles® Platinum American Express CardDelta SkyMiles® Gold American Express CardDelta SkyMiles® Blue American Express Card
Rewards
  • 3x miles on Delta purchases made directly with Delta
  • 1x miles on other eligible purchases
  • 3x miles on Delta purchases made directly with Delta
  • 3x miles on purchases made directly with hotels
  • 2x miles at restaurants including takeout and delivery in the U.S.
  • 2x miles at U.S. supermarkets
  • 1x miles on other eligible purchases
  • 2x miles on Delta purchases made directly with Delta
  • 2x miles at restaurants including takeout and delivery in the U.S.
  • 2x miles at U.S. supermarkets
  • 1x miles on other eligible purchases
  • 2x miles on Delta purchases made directly with Delta
  • 2x miles at restaurants including takeout and delivery in the U.S.
  • 1x miles on other eligible purchases
Travel Benefits
  • Take 15% off any time you book Award Travel with miles on Delta flights when using Delta.com and the Fly Delta app
  • MQD waiver
  • Complimentary Delta Sky Club access when you fly on Delta on the same day**
  • 2 Delta Sky Club 1-time guest passes per year**
  • Complimentary access to The Centurion Lounge when you booked your Delta flight with your card
  • A round-trip companion certificate upon renewal
  • First checked bag for free and priority boarding for yourself and up to 8 others on your reservation
  • Take 15% off any time you book Award Travel with miles on Delta flights when using Delta.com and the Fly Delta app
  • Annual round-trip companion certificate each year upon renewal
  • First checked bag for free and priority boarding for yourself and up to 8 others on your reservation
  • Take 15% off any time you book Award Travel with miles on Delta flights when using Delta.com and the Fly Delta app
  • First checked bag for free and priority boarding for yourself and up to 8 others on your reservation
 
Statement Credits
  • TSA PreCheck or Global Entry application fee credit
  • 20% statement credit on Delta inflight purchases
  • TSA PreCheck or Global Entry application fee credit
  • 20% statement credit on Delta inflight purchases
  • $200 Delta Flight Credit after you spend $10,000 in purchases on your card in a calendar year
  • 20% statement credit on Delta inflight purchases

20% statement credit on Delta inflight purchases

Annual Fee$650 (rates & fees)$350 (rates & fees)$0 introductory annual fee for the first year, then $150 (rates & fees)$0 (rates & fees)
Authorized UsersNo authorized user fee (rates & fees)No authorized user fee (rates & fees)No authorized user fee (rates & fees)No authorized user fee (rates & fees)

**Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

Here is the card comparison table for the Delta SkyMiles business credit cards:

SCROLL FOR MORE
 Delta SkyMiles® Reserve Business American Express CardDelta SkyMiles® Platinum Business American Express CardDelta SkyMiles® Gold Business American Express Card
Rewards
  • 3x miles on Delta purchases made directly with Delta
  • 1.5x miles after you spend $150,000 on your card in a calendar year
  • 1x miles on other purchases
  • 3x miles on Delta purchases made directly with Delta and hotels
  • 1.5x miles on purchases of $5,000 or more, up to 50,000 additional miles per calendar year
  • 1x miles on other eligible purchases
  • 2x miles on Delta purchases made directly with Delta
  • 2x miles at U.S. restaurants
  • 2x miles on U.S. shipping purchases (up to $50,000 in eligible purchases, per year)
  • 2x miles on U.S. advertising purchases in select media (up to $50,000 in eligible purchases, per year)
  • 1x miles on other eligible purchases
Travel Benefits
  • Take 15% off any time you book Award Travel with miles on Delta flights when using Delta.com and the Fly Delta app
  • Complimentary Delta Sky Club access when you fly on Delta on the same day**
  • Complimentary access to The Centurion Lounge when you booked your Delta flight with your card
  • Annual round-triple companion certificate upon renewal
  • First checked bag for free and priority boarding for yourself and up to 8 others on your reservation
  • Take 15% off any time you book Award Travel with miles on Delta flights when using Delta.com and the Fly Delta app
  • Annual round-trip companion certificate upon renewal
  • First checked bag for free and priority boarding for yourself and up to 8 others on your reservation
  • Take 15% off any time you book Award Travel with miles on Delta flights when using Delta.com and the Fly Delta app
  • First checked bag for free and priority boarding for yourself and up to 8 others on your reservation
Statement Credits
  • TSA PreCheck or Global Entry application fee credit
  • 20% statement credit on Delta inflight purchases
  • TSA PreCheck or Global Entry application fee credit
  • 20% statement credit on Delta inflight purchases
  • $200 Delta flight toward future travel after you spend $10,000 in purchases on the card in a calendar year
  • 20% statement credit on Delta inflight purchases
Annual Fee$650 (rates & fees)$350 (rates & fees)$0 introductory annual fee for the first year, then $150 (rates & fees)
Authorized UsersNo additional annual fees for authorized users (rates & fees)No additional annual fees for authorized users (rates & fees)No additional annual fees for authorized users (rates & fees)

**Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

Amex Hilton Honors Cards

Are you a fan of the Hilton family of hotels? Amex issues 3 Hilton Honors co-branded personal credit card options:

*All information about these cards has been collected independently by Upgraded Points.

You can upgrade your Hilton Honors card to the Hilton Surpass card or the Hilton Aspire card. And you can also upgrade the Hilton Surpass card to the Hilton Aspire card.

LIMITED TIME OFFER
Hilton Honors American Express Aspire CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.

All information about Hilton Honors American Express Aspire Card has been collected independently by Upgraded Points.

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.
Earn 175,000 Bonus Points after you spend $6,000 in purchases on the Hilton Honors American Express Aspire Card in the first 6 months of Card Membership. Offer ends 7/31/2024.
175,000 points
$875
$550
20.99% - 29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.


Paying hundreds of dollars for an annual fee on a co-branded hotel card might seem ridiculous, but you should know that the Hilton Honors American Express Aspire Card is much more than your run-of-the-mill hotel credit card.

The Hilton Aspire card is not only a phenomenal card for Hilton Honors loyalists, but even those who visit Hilton hotels just a few times a year can still get excellent value out of all the benefits that are packed into this card.

So let’s have a look at what makes the card so valuable to travelers.

Pros
  • 14x points per $1 on Hilton purchases
  • 7x points per $1 on select travel and at U.S. restaurants
  • 3x points per $1 on all other purchases
Cons
    • High annual fee of $550
  • Earn 175,000 Bonus Points after you spend $6,000 in purchases on the Hilton Honors American Express Aspire Card in the first 6 months of Card Membership. Offer ends 7/31/2024.
  • Earn 14x Hilton Honors Bonus Points when you make eligible purchases on your card at participating hotels or resorts within the Hilton portfolio.
  • Earn 7x Hilton Honors Bonus Points for eligible purchases: on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies, and at U.S. restaurants.
  • Earn 3X Hilton Honors Bonus Points for other purchases on your card.
  • Enjoy up to $400 in Hilton Resort Credits (up to $200 in statement credits semi-annually) on your card each anniversary year when you stay at participating resorts within the Hilton portfolio.
  • Enjoy complimentary Diamond status.
  • $550 annual fee.
Financial Snapshot
  • APR: 20.99% - 29.99% Variable
  • Foreign Transaction Fees: None
LIMITED TIME OFFER
Hilton Honors American Express Surpass® CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and up to $200 in Hilton credits every year.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and up to $200 in Hilton credits every year.
Earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.
130,000 points plus a Free Night Reward
$650
$150
20.99%-29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

If you’re someone who loves traveling and loves staying in Hilton hotels, adding a co-branded Hilton hotel card to your wallet is almost a no-brainer. From automatic Hilton elite status to up to $200 in Hilton credits every year, the Hilton Honors American Express Surpass® Card can be a great fit for Hilton loyalists looking to up their travel game.

Pros
  • 12x points per $1 at Hilton hotels
  • 6x points per $1 at U.S. supermarkets, U.S. gas stations, and U.S. restaurants
  • 4x points per $1 at U.S. online retail purchases
Cons
  • Earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.
  • Get up to $200 back each year on eligible Hilton purchases after you use your Hilton Honors American Express Surpass® Card.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
  • Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 4X Points for each dollar on U.S. Online Retail Purchases.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
  • Enjoy complimentary Hilton Honors ™ Gold Status with your Hilton Honors American Express Surpass® Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors™ Diamond Status through the end of the next calendar year.
  • Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • $150 annual fee.
  • Terms Apply.
Financial Snapshot
  • APR: 20.99%-29.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Hilton Honors

LIMITED TIME OFFER
Hilton Honors American Express CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Complimentary Hilton Honors Silver status, plus great earnings at Hilton, U.S. gas stations, U.S. supermarkets, and U.S. restaurants!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Complimentary Hilton Honors Silver status, plus great earnings at Hilton, U.S. gas stations, U.S. supermarkets, and U.S. restaurants!
Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.
70,000 points plus a Free Night Reward
$350
$0
20.99%-29.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

You can’t beat a comfy king-sized bed and room service. For many travelers, it’s the hotel that really makes or breaks an experience. If you’re one of those people, you’ve probably stayed at a Hilton hotel.

Whether your visits are for work or pleasure, the Hilton brand has you covered with more than 6,200 locations in 100 counties and territories.

To enjoy a host of great benefits, you may want to apply for the Hilton Honors American Express Card.

Pros
  • 7x points per $1 on Hilton stays
  • 5x points per $1 at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
  • 3x points per $1 on all other purchases
Cons
  • Not great for those who want multiple redemption options
  • Offers the least benefits of all Hilton cards
  • Earn 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in the first 6 months of Card Membership. Offer Ends 7/31/2024.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
  • Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
  • Earn 3X Points for all other eligible purchases on your Card.
  • Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
  • No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • No Annual Fee.
  • Terms Apply.
Financial Snapshot
  • APR: 20.99%-29.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Hilton Honors Loyalty Program

Benefits Comparison

Note: some benefits mentioned below require enrollment through your American Express account.

SCROLL FOR MORE
 Hilton Honors American Express Aspire CardThe Hilton Honors American Express Surpass® CardHilton Honors American Express Card
Rewards
  • 14x points on eligible purchases at hotels and resorts in the Hilton portfolio
  • 7x points on flights booked directly with airlines or AmexTravel.com
  • 7x points on car rentals booked directly with select car rental companies
  • 7x points at U.S. restaurants
  • 3x points on other eligible purchases
  • 12x points on eligible purchases at hotels and resorts in the Hilton portfolio
  • 6x points at U.S. supermarkets, U.S. restaurants, and U.S. gas stations
  • 4x points on U.S. online retail purchases
  • 3x points on other eligible purchases
  • 7x points on eligible purchases at hotels and resorts in the Hilton portfolio
  • 5x points at U.S. supermarkets, U.S. restaurants, and U.S. gas stations
  • 3x points on other eligible purchases
Travel Benefits
  • Complimentary Hilton Honors Diamond status
  • Annual Free Night Reward 
  • An additional Free Night Reward after you spend $30,000 on purchases in a calendar year
  • An additional Free Night Reward after you spend $60,000 on purchases in a calendar year
  • Complimentary Hilton Honors Gold status
  • Earn Hilton Honors Diamond status after spending $40,000 on purchases in a calendar year
  • Earn a Free Night Reward after you spend $15,000 on purchases in a calendar year
  • Complimentary National Car Rental Emerald Club Executive status upon enrollment
  • Complimentary Hilton Honors Silver status
  • Earn Hilton Honors Diamond status after spending $20,000 on purchases in a calendar year
Statement Credits
  • Up to $400 Hilton resort credit
  • Up to $200 airline credit
  • Up to $189 CLEAR Plus credit
  • Up to $100 property credit at participating Waldorf Astoria and Conrad properties when you book a 2-night stay or longer (restrictions apply)
  • Up to $50 in statement credits each quarter, for up to $200 back annually, for eligible purchases at Hilton
 
Annual Fee$550 (rates & fees)$150 (rates & fees)$0 (rates & fees)
Authorized UsersNo authorized user fee (rates & fees)No authorized user fee (rates & fees)No authorized user fee (rates & fees)

There’s also a Hilton Honors co-branded card that’s issued to business owners — The Hilton Honors American Express Business Card. However, you can’t upgrade or downgrade to this card since there are no other co-branded Hilton Honors business credit cards available.

Amex Cash-back Cards

Amex cash back cards
Image Credit: American Express

The last set of cards we’ll discuss is the family of cash-back cards under the Amex umbrella. Currently, there are 3 cards within the Amex cash-back card family on the consumer side:

*All information about these cards has been collected independently by Upgraded Points.

You can upgrade both the Amex Cash Magnet card and the Amex Blue Cash Everyday card to the Amex Blue Cash Preferred card.

Benefits Comparison

Note: some benefits mentioned below require enrollment through your American Express account.

SCROLL FOR MORE
BenefitBlue Cash Preferred® Card from American ExpressBlue Cash Everyday® Card from American ExpressAmerican Express Cash Magnet® Card
Rewards
  • 6% cash-back at U.S. supermarkets (up to $6,000 per year)
  • 6% cash-back on select U.S. streaming subscriptions 
  • 3% cash-back on transit and at U.S. gas stations
  • 1% cash-back on other eligible purchases
  • 3% cash-back at U.S. supermarkets (up to $6,000 per year)
  • 3% cash-back on U.S. online retail purchases (up to $6,000 per year)
  • 3% cash-back at U.S. gas stations (up to $6,000 per year)
  • 1% cash-back on other purchases

1.5% cash-back on all purchases

Statement Credits
  • Upon enrollment, get up to $7 per month in statement credits when you spend $9.99 per month on a subscription to The Disney Bundle
  • Up to $120 in Equinox+ statement credits
  • Upon enrollment, get up to $7 per month in statement credits when you spend $9.99 per month on a subscription to The Disney Bundle
  • Up to $180 in Home Chef credits
None
Annual Fee$0 intro annual fee for the first year, then $95 (rates & fees)$0 (rates & fees)$0
Authorized UsersNo authorized user fee (rates & fees)No authorized user fee (rates & fees)No authorized user fee

Final Thoughts

All in all, you should only upgrade your Amex card if it makes sense to do so. In general, it makes sense to upgrade your Amex card if you have an attractive welcome offer, if you want to elevate the benefits you enjoy from your card, or if you’re interested in earning rewards more effectively due to changes in spending habits.

Amex has a few different families of cards, and you can only upgrade to cards within the same family. For this reason, you can’t upgrade a Delta SkyMiles credit card to a Marriott Bonvoy credit card, for example.

Your card needs to have been open for at least 1 year in order to qualify for an upgrade, too. For this reason, you can’t upgrade a new card you just opened a few months ago.

Remember to bookmark this page to refer back to it if you’re considering upgrading one or more of your Amex cards!

The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the American Express® Green Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Business Green Rewards Card from American Express was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy American Express® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the American Express Cash Magnet® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of the Blue Cash Everyday® from American Express, click here.
For rates and fees of the American Express® Gold Card, click here.
For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees for The Hilton Honors American Express Surpass® Card, click here.
For rates and fees of the Delta SkyMiles® Gold American Express Card, click here.
For rates and fees of Delta SkyMiles® Reserve American Express Card, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.
For rates and fees of the American Express® Business Gold Card, click here.
For rates and fees of the Marriott Bonvoy Brilliant® American Express® card, click here.
For rates and fees of the Marriott Bonvoy Bevy™ American Express® Card, click here.
For rates and fees of the Marriott Bonvoy Business® American Express® Card, click here.
For rates and fees of the Delta SkyMiles® Platinum American Express Card, click here.
For rates and fees of the Delta SkyMiles® Blue American Express Card, click here.
For rates and fees for the Delta SkyMiles® Reserve Business American Express Card, click here.
For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, click here.
For rates and fees of the Delta SkyMiles® Gold Business American Express Card, click here.
For rates and fees of the Hilton Honors American Express Card, click here.
For rates and fees of The Hilton Honors American Express Business Card, click here.
For rates and fees of the Blue Cash Preferred® Card from American Express, click here.

Frequently Asked Questions

When I upgrade my Amex does my card number change?

In general, your number does not change when you upgrade your Amex card.

How can I check if an upgrade is available on an American Express card?

If you are targeted for an upgrade offer that has a bonus, it will typically show up in your online account. However, you can also access any upgrade offers by calling Amex over the phone and speaking to a customer service agent.

When you upgrade your American Express, does it count as a new card?

In the vast majority of cases, it does not. Your card number usually stays the same, so it won’t get reported to the credit bureaus as a new card.

What can I upgrade my Amex Blue Cash Everyday card to?

In general, you can only upgrade your Amex Blue Cash Everyday card to the Amex Blue Cash Preferred card. All information about these cards has been collected independently by Upgraded Points.

Will I get the bonus sign-up points if I upgrade my Amex card through the site?

Unless the offer you take advantage of specifically mentions a bonus, you will not get any bonus points when you upgrade your Amex card.

Stephen Au's image

About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

INSIDERS ONLY: UP PULSE

Deluxe Travel Provided by UP Pulse

Get the latest travel tips, crucial news, flight & hotel deal alerts...

Plus — expert strategies to maximize your points & miles by joining our (free) newsletter.

We respect your privacy. This site is protected by reCAPTCHA. Google's privacy policy  and terms of service  apply.

Deluxe Travel Provided by UP Pulse
DMCA.com Protection Status