We previously covered a targeted upgrade offer for the American Express Hilton Surpass Card. Amex likes to persuade customers to upgrade their current cards to premium versions. These upgrade offers can be lucrative if you know how to find them. Best of all, they don’t require a credit pull!
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Upgrade offers are generally available, but you must know where to look. Follow along with the steps below:
Step 1: Log in to your Amex account.
Step 2: Click on the menu.
In the top left corner of your screen, you should see a menu option.
Step 3: Select “View all Personal Charge & Credit Cards.
Open the drop downs for Cards –> Personal Cards –> View all Personal Charge & Credit Cards
Step 4: Locate the premium version of a card you currently hold.
I currently have the Hilton Honors Amex card, so I looked for the Hilton Honors Surpass card for this example. Notice the option to “Apply for an Upgrade.”
Step 5: Apply for an upgrade.
Click through and enter the requested information. For me, it was the 4-digit code on my HHonors Amex and my SSN.
This is a very simple way to snag some extra points without a hard credit pull. While 50,000 HHonors points may not be much to get excited about, it’s a nice little bonus. Brooke’s offer was better than mine at 75,000 points. Once you earn the bonus, feel free to downgrade the card back to its original no-annual fee version. We actually did this in April to earn the 100,000-point bonuses! We are already eligible for another upgrade offer. Your card number does not change during any of the upgrades or downgrades, so this is a very simple process. Cheers!