- Centurion Member
- Posts: 4062
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
I was looking for a thread that would summarize what is easy, what sometimes works, and what is impossible as far as product changes - converting one American Express card into another without opening a new account. The most recent thread I could find was about a year old and I believe some rules have changed, at least around the Delta Gold.
I'm going to give the rules as best as I understand them and hope others can fill in what I miss or correct me as necessary. For the first few people to read this, don't put too much confidence in this until it has been kicked around by some Amex veterans. And Amex veterans, keep in mind some rules may have changed since you had certain cards. The idea is to have a very up-to-date base of information.
1. It is easy to switch from one charge card to another (Green, Gold, Platinum and their variants like PRG. Technically also Centurion if you spend gobs of money and get invited.) If you upgrade, you pay the full annual fee of the higher-tier card but you will get a partial refund of the annual fee on the lower-tier card you're giving up. You don't get a refund if you downgrade.
2. You can absolutely never convert a charge card to a credit card. (Edit: You can make a charge card more credit-like with a credit limit and a pay over time feature, but the card is, at heart, the same.)
3. You can absolutely never convert a MR-based card to a non-MR based card.
4. It is easy to downgrade a BCP into a BCE, an EDP into an ED, or a Blue Sky Preferred into a Blue Sky at any time. To upgrade those cards in the opposite direction, the lower-tier card must be open for at least one year.
5. Likewise, with Hilton and Delta, you can convert downwards at any time, and upwards after one year. I don't know if you can go from a lower annual fee to a higher annual fee in the first year, like from Platinum Delta to Delta Reserve.
6. I've heard SPG is, or at least was, flexible and could become any one of a few different non-MR credit cards. I don't know the details.
7. Delta Gold used to be easily PC'ed into a BCE or BCP but that option was abused and is now either totally closed or only possible after the first year of Delta Gold. Amex is not willing to do this for all customers, so it is not an 'official' possibility but still sometimes happens.
8. Costco TrueEarnings can never be PC'ed into anything else.
9. Blue, Blue Sky, and Blue Sky Preferred can be converted into BCE or BCP. I have no idea if you can go in the opposite direction.
10. Business cards can never be PC'ed into personal cards, and vice versa.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech