Every so often, American Categorical places out improve gives for current cardholders of choose merchandise. By upgrading to a higher-tier card, you’ll obtain a brand new welcome bonus, and also you’ll additionally profit from some other perks included with the cardboard.
Presently, there are improve gives to modify from the American Categorical Inexperienced Card to the American Categorical Cobalt Card or the American Categorical Gold Rewards Card, from the Cobalt Card to the Gold Rewards Card, and the Gold Card to the American Categorical Platinum Card.
Right here’s all the things it’s good to know in regards to the promotional improve gives, which run by means of to August 18, 2025.
Amex Inexperienced to Amex Cobalt Improve Supply
The American Categorical Inexperienced Card is probably the most primary Membership Rewards bank card in Amex Canada’s portfolio. It doesn’t have an annual payment, but it surely additionally doesn’t include some other significant advantages, aside from the next on a regular basis incomes charges:
- Earn 1 Membership Rewards level per greenback spent on all purchases
- Earn 1 extra Membership Rewards level per greenback spent on eligible motels and automotive leases booked by means of the Amex Journey portal
Proper now, you’ll be able to select to improve from this product to the American Categorical Cobalt Card. For those who accomplish that, you’ll earn 15,000 Membership Rewards factors, as long as you make $2,000 (all figures in CAD) in web purchases throughout the first three months after upgrading.
For those who make the change, remember the fact that the Cobalt Card comes with a $12.99 month-to-month membership payment, and options the next incomes charges, that are one of the best in Canada:
- Earn 5 factors per greenback spent on eats, drinks, and groceries (as much as a most of $2,500 per thirty days)
- Earn 3 factors per greenback spent on streaming providers
- Earn 2 factors per greenback spent on gasoline, transit, and rideshare purchases
- Earn 1 level per greenback spent on all different purchases
- Earn 1 extra level per greenback spent on eligible motels and automotive leases by means of the Amex Journey portal
Whereas the Cobalt Card is sparse on premium journey advantages, similar to lounge entry, its excellent incomes charges make it certainly one of Canada’s must-have bank cards.
For those who want to study extra in regards to the improve from the Amex Inexperienced to the Amex Cobalt, head by means of to the provide’s touchdown web page.
Amex Inexperienced to Amex Gold Rewards Improve Supply
One other improve choice that’s at present accessible to cardholders of the Amex Inexperienced Card is to maneuver as much as the Amex Gold Rewards Card.
For those who select to take action, you’ll be able to earn 70,000 Membership Rewards factors upon spending $3,000 within the first three months as a cardholder, and one other 20,000 Membership Rewards factors upon making a purchase order in months 15–17 as a cardholder. That’s a complete of 90,000 factors!
The metallic Gold Rewards Card, which additionally is available in rose gold, options the next on a regular basis incomes charges:
- Earn 2 factors per greenback spent on journey, gasoline, grocery, and drugstore purchases
- Earn 1 level per greenback spent on all different purchases
- Earn 1 extra level per greenback spent on eligible motels and automotive leases booked by means of the Amex Journey portal
Moreover, the cardboard carries the next journey advantages:
- $100 annual journey credit score, redeemable on the Amex Journey portal
- Precedence Cross membership, plus 4 complimentary Plaza Premium lounge visits every year
- $50 NEXUS membership assertion credit score each 4 years
It’s value noting that whereas the Gold Rewards Card comes with some premium journey advantages, its incomes price doesn’t match the 5x eats & drinks multiplier of the Cobalt Card.
For those who’re focused on studying extra in regards to the improve, head over to the provide’s touchdown web page.
Amex Cobalt to Amex Gold Improve Supply
For those who at present maintain the American Categorical Cobalt Card, you might discover that the month-to-month payment construction, incomes charges, or lack of journey advantages not meet your wants.
In such a scenario, you might choose to improve your Cobalt Card to the American Categorical Gold Rewards Card with the present provide.
By doing so, you’ll earn a renewed welcome bonus of 90,000 Membership Rewards factors, 70,000 of that are awarded after making $3,000 in web purchases within the first three months after upgrading. Plus, you’ll get one other 20,000 factors upon making a purchase order in months 15–17 as a cardholder.
It’s value noting that the Cobalt to Gold improve provide is identical because the Inexperienced to Gold provide, but it surely’s 20,000 factors decrease than the best-available public provide for brand spanking new candidates. Nonetheless, the general public provide has a month-to-month spending requirement unfold out over a 12 months, which could possibly be seen as tougher to maintain observe of.
For those who’re focused on studying extra in regards to the improve, head over to the provide’s touchdown web page.
Amex Gold to Amex Platinum Improve Supply
For those who at present have an Amex Gold Rewards Card, you might obtain an invite to improve to the American Categorical Platinum Card.
For those who’re eligible, you’ll be able to earn as much as 150,000 Membership Rewards factors, damaged down as follows:
- Earn 120,000 Membership Rewards factors upon spending $10,000 within the first three months as a cardholder
- Earn 30,000 Membership Rewards factors upon making a purchase order in months 15–17 as a cardholder
The Platinum Card is a premium card, and comes with a hefty $799 annual payment in comparison with the Gold Card’s $250 annual payment.
Nonetheless, you’ll additionally profit from limitless lounge entry by means of the International Lounge Assortment, a $200 annual journey credit score, a $200 annual eating credit score, sturdy insurance coverage, and extra.
To study extra about this improve provide, head over to the provide’s touchdown web page, register to your account, after which proceed from there as you would like.
Ought to You Settle for an Amex Improve Supply?
Previously, we’ve beneficial the Amex Inexperienced Card as a super card to carry as a substitute of a costlier premium card, just like the American Categorical Platinum Card, so that you just don’t lose entry to your Membership Rewards factors.
Subsequently, in the event you’ve been holding the Inexperienced Card merely to park your Membership Rewards factors, now could possibly be a wonderful time to prime off your steadiness by means of one of many improve gives.
For those who’ve but so as to add the Amex Cobalt Card to your portfolio, we’d recommend contemplating the Inexperienced-to-Cobalt improve provide, however to carry off on the Inexperienced-to-Gold improve provide. Right here’s why.
The Amex Cobalt’s 5x incomes price on eating places & groceries is an trade chief that’s usually imitated however by no means really surpassed, since Membership Rewards factors are transferable to various airline and resort loyalty applications.
Moreover, the welcome bonus on the improve provide is far more profitable than the present public provide for the Cobalt Card, which is segmented into 12 month-to-month minimal spending necessities of $750 to earn 1,250 bonus factors. This leads to a complete of as much as 15,000 MR factors, unfold out over the course of a 12 months with month-to-month minimal spending necessities, fairly than getting the identical allotment of factors by simply spending $2,000 in three months.
In different phrases, to get the identical quantity of factors with the best-available public provide in comparison with the Inexperienced-to-Cobalt improve provide, you’ll must spend greater than 4 occasions as a lot and wait an additional 9 months besides. It’s not laborious to see why this is a wonderful alternative.
In the meantime, when upgrading from the Inexperienced Card or the Cobalt Card to the Gold Rewards Card, the mathematics turns into just a little bit extra difficult. That is primarily as a result of the improve gives for as much as 90,000 factors are 20,000 MR factors decrease than the full best-available welcome provide of as much as 110,000 bonus factors.
Nonetheless, the present best-available provide for the Amex Gold Rewards Card gives 5,000 bonus factors for every billing interval within the first 12 months by which you spend $1,000 in your Gold Rewards Card, for a complete of as much as 60,000 MR factors upon spending at the very least $12,000. You’ll additionally get 30,000 MR factors upon spending $20,000 within the first 12 months, in addition to 20,000 MR factors within the second 12 months upon making a purchase order in months 15–17.
For those who can maintain the spending necessities for the general public provide over the course of the 12 months, then the additional 20,000 factors at stake in 12 months one might certainly be well worth the added effort. Nonetheless, in the event you’re searching for the trail of least resistance to earn an additional 70,000 factors within the first 12 months, then the Inexperienced-to-Gold improve provide is actually value contemplating, too.
As for the Cobalt-to-Gold improve provide, the chance price right here is the lack of elevated incomes charges on every day spending that you just’d get with the Cobalt Card, particularly for groceries and eating. For those who occur to spend as much as $2,500 at eating places, bars, and grocery shops each month, the Gold Rewards Card most likely isn’t the perfect card in your spending habits, and also you’d be higher off holding the Cobalt Card as your every day driver.
However, you could possibly additionally think about taking the improve provide for a lift of factors, after which have a look at including the Cobalt Card again into your portfolio additional down the road for its elevated incomes charges. Simply beware that you could be not be eligible for the welcome bonus the second time round, and make sure to learn the improve provide’s phrases and situations.
Nonetheless, that is the place the magic of two-player mode comes into impact, since ideally, you’d have each the Cobalt Card and the Gold Rewards Card accessible in your family.
For those who’re residing with a major different, trusted good friend, or indulgent member of the family, you could possibly all the time refer that individual to the Cobalt Card earlier than upgrading your self to the Gold Rewards Card. This may web you one other 5,000 Membership Rewards factors from the referral, which comes along with holding the 5x eats & drinks earn price underneath your roof.
On this scenario, you’d profit from one of the best of all worlds: easy accessibility to an attainable welcome bonus through the improve provide, the wonderful every day incomes charges from the Cobalt Card, and the journey advantages provided by the Gold Rewards Card.
Lastly, for the Gold-to-Platinum improve provide, you’ll want to contemplate whether or not or not you’re capable of make use of all the cardboard’s additional advantages in change for the $799 annual payment.
The very best-available welcome bonus on the Platinum Card is for as much as 180,000 Membership Rewards factors, which is 30,000-points greater than what’s at stake by means of the improve provide:
- Earn 100,000 MR factors upon spending $10,000 within the first three months
- Earn 50,000 MR factors upon spending $50,000 within the first 12 months
- Earn 30,000 MR factors upon making a purchase order in months 14–17 as a cardholder
Nonetheless, remember the fact that the construction of the Gold-to-Platinum improve provide is far less complicated, because you’ll get 120,000 factors upon spending $10,000 within the first three months, as a substitute of getting to push by means of $50,000 in 12 months one.
If the full spend over the course of the 12 months doesn’t pose a problem to you, then the general public provide could possibly be the wiser alternative. Nonetheless, in the event you’re searching for the trail of least resistance, this improve provide is actually value contemplating.
Conclusion
American Categorical Canada is providing clients a chance to improve an American Categorical Inexperienced Card, American Categorical Cobalt Card, and an American Categorical Gold Rewards Card. The improve gives for all playing cards provide the prospect to quickly develop your factors balances in only some months.
For those who’re capable of reap the benefits of any of the improve gives, head over to the touchdown pages and crunch the numbers to see in the event you stand to return out forward.
Simply remember the fact that many of the elevated improve gives are set to run out on August 18, 2025.
