Complete Newbie Question - Can I upgrade certain Amex cards into other ones?

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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Strawboy1230
 
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Complete Newbie Question - Can I upgrade certain Amex cards into other ones?

Postby Strawboy1230 » Thu Jan 16, 2014 8:30 am

I currently have the Amex Blue Cash Everyday card and I've had it for about a year now. Is there any way that I can upgrade this card to the Gold? (Or Green, if it's worth it) And what exactly is a product change? Is that separate from an upgrade?

Any what are your speculations for the new Amex card(s) that will come out this year? I feel like CSP and other cards are currently cutting into Amex's market share...and might just wait until a new Amex card comes out before I even ask for an upgrade.

Thanks in advance guys.


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djrez4
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Postby djrez4 » Thu Jan 16, 2014 9:20 am

Strawboy1230 wrote:I currently have the Amex Blue Cash Everyday card and I've had it for about a year now. Is there any way that I can upgrade this card to the Gold? (Or Green, if it's worth it) And what exactly is a product change? Is that separate from an upgrade?


You cannot convert a BCE into a Gold. BCE has a fixed line of credit that revolves. Gold does not. An upgrade is a form of product change.
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MemberSince99
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Postby MemberSince99 » Thu Jan 16, 2014 9:22 am

No. They are different types of products. The Gold is a charge card the Blue is a revolver and Amex will not, never that I've ever seen, change a revolver to a charge card. I've never heard of this being done. So you might as well forget that.


You can change a revolver to a different revolver or a charge to a different charge. But you can't change between the two types. So you could go from Green to Gold or Gold to Green. They are charge cards. But all the Blue cards are revolvers. So you could change a BCE to a BCP for example, but not to Green or Gold.


Hopefully I've made sense explaining this.


Personally I have no speculations on what may happen. I guess we'll have to wait and see. Speculating on maybes seems like kind of a waste of energy to me but I'm old!


If you want a charge card, you might as well apply when you are wanting it and ready.


Also an "upgrade" is as djrez said a form of product change but it typically means you are going to a higher level (and possibly cost in terms of fee) card.

takeshi
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Postby takeshi » Thu Jan 16, 2014 9:57 am

Strawboy1230 wrote:And what exactly is a product change? Is that separate from an upgrade?

An upgrade is a product change but not all product changes are upgrades.

Strawboy1230 wrote:Or Green, if it's worth it

That's for you to determine. Worth is always highly subjective. I personally have no need for any of AmEx's charge offerings. There's a comparison tool on the AmEx site that you can use to compare the Golds and the Green.

Strawboy1230
 
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Postby Strawboy1230 » Thu Jan 16, 2014 11:31 am

I am now really confused. What are revolvers? You mean straight credit cards? I understand the charge part now. ....So what are the other revolvers that Amex has that I can change to?

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Z06Biker
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Postby Z06Biker » Thu Jan 16, 2014 4:53 pm

I think Amex should come out with a re-envisioned, re-imagined Optima card (made of metal of course) that directly competes with the CSP and goes for $80-95/year.
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