Once in a while, American Categorical places out improve presents 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.
At the moment, there are improve presents 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 the whole lot it’s good to know in regards to the promotional improve presents, which run by way of to August 18, 2025.
Amex Inexperienced to Amex Cobalt Improve Provide
The American Categorical Inexperienced Card is essentially the most primary Membership Rewards bank card in Amex Canada’s portfolio. It doesn’t have an annual charge, 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 further Membership Rewards level per greenback spent on eligible motels and automobile leases booked by way of the Amex Journey portal
Proper now, you’ll be able to select to improve from this product to the American Categorical Cobalt Card. In case you achieve this, you’ll earn 15,000 Membership Rewards factors, as long as you make $2,000 (all figures in CAD) in internet purchases inside the first three months after upgrading.
In case you make the change, remember the fact that the Cobalt Card comes with a $12.99 month-to-month membership charge, 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 30 days)
- Earn 3 factors per greenback spent on streaming providers
- Earn 2 factors per greenback spent on fuel, transit, and rideshare purchases
- Earn 1 level per greenback spent on all different purchases
- Earn 1 further level per greenback spent on eligible motels and automobile leases by way of the Amex Journey portal
Whereas the Cobalt Card is sparse on premium journey advantages, akin to lounge entry, its excellent incomes charges make it one in every of Canada’s must-have bank cards.
In case you want to study extra in regards to the improve from the Amex Inexperienced to the Amex Cobalt, head by way of to the provide’s touchdown web page.
Amex Inexperienced to Amex Gold Rewards Improve Provide
One other improve possibility that’s presently obtainable to cardholders of the Amex Inexperienced Card is to maneuver as much as the Amex Gold Rewards Card.
In case you 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 steel 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, fuel, grocery, and drugstore purchases
- Earn 1 level per greenback spent on all different purchases
- Earn 1 further level per greenback spent on eligible motels and automobile leases booked by way 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 Go membership, plus 4 complimentary Plaza Premium lounge visits every year
- $50 NEXUS membership assertion credit score each 4 years
It’s price noting that whereas the Gold Rewards Card comes with some premium journey advantages, its incomes fee doesn’t match the 5x eats & drinks multiplier of the Cobalt Card.
In case you’re excited by studying extra in regards to the improve, head over to the provide’s touchdown web page.
Amex Cobalt to Amex Gold Improve Provide
In case you presently maintain the American Categorical Cobalt Card, you could discover that the month-to-month charge construction, incomes charges, or lack of journey advantages now not meet your wants.
In such a scenario, you could 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 internet 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 price 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. Nevertheless, the general public provide has a month-to-month spending requirement unfold out over a yr, which may very well be seen as tougher to maintain observe of.
In case you’re excited by studying extra in regards to the improve, head over to the provide’s touchdown web page.
Amex Gold to Amex Platinum Improve Provide
In case you presently have an Amex Gold Rewards Card, you could obtain an invite to improve to the American Categorical Platinum Card.
In case you’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 charge in comparison with the Gold Card’s $250 annual charge.
Nevertheless, you’ll additionally profit from limitless lounge entry by way of the International Lounge Assortment, a $200 annual journey credit score, a $200 annual eating credit score, robust insurance coverage, and extra.
To study extra about this improve provide, head over to the provide’s touchdown web page, sign up to your account, after which proceed from there as you want.
Ought to You Settle for an Amex Improve Provide?
Up to now, we’ve really useful the Amex Inexperienced Card as a great card to carry as an alternative of a dearer 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 may very well be a superb time to high off your stability by way of one of many improve presents.
In case you’ve but so as to add the Amex Cobalt Card to your portfolio, we’d counsel 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 fee 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 a lot of airline and lodge loyalty packages.
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 yr with month-to-month minimal spending necessities, quite 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 exhausting to see why this is a superb alternative.
In the meantime, when upgrading from the Inexperienced Card or the Cobalt Card to the Gold Rewards Card, the mathematics turns into a bit bit extra sophisticated. That is primarily as a result of the improve presents 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.
Nevertheless, the present best-available provide for the Amex Gold Rewards Card supplies 5,000 bonus factors for every billing interval within the first 12 months during which you spend $1,000 in your Gold Rewards Card, for a complete of as much as 60,000 MR factors upon spending not less than $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 yr upon making a purchase order in months 15–17.
In case you can maintain the spending necessities for the general public provide over the course of the yr, then the additional 20,000 factors at stake in yr one might certainly be definitely worth the added effort. Nevertheless, in the event you’re searching for the trail of least resistance to earn an additional 70,000 factors within the first yr, then the Inexperienced-to-Gold improve provide is actually price contemplating, too.
As for the Cobalt-to-Gold improve provide, the chance value right here is the lack of elevated incomes charges on day by day spending that you just’d get with the Cobalt Card, particularly for groceries and eating. In case you occur to spend as much as $2,500 at eating places, bars, and grocery shops each month, the Gold Rewards Card in all probability isn’t the perfect card to your spending habits, and also you’d be higher off maintaining the Cobalt Card as your day by day driver.
However, you could possibly additionally contemplate taking the improve provide for a lift of factors, after which take 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.
Nevertheless, 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 obtainable in your family.
In case you’re residing with a big different, trusted buddy, or indulgent member of the family, you could possibly at all times refer that particular person to the Cobalt Card earlier than upgrading your self to the Gold Rewards Card. This might internet you one other 5,000 Membership Rewards factors from the referral, which comes along with maintaining the 5x eats & drinks earn fee below your roof.
On this scenario, you’d profit from one of the best of all worlds: quick access to an attainable welcome bonus through the improve provide, the superb day by 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 think about whether or not or not you’re capable of make use of all the cardboard’s further advantages in trade for the $799 annual charge.
One of the 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 way 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 yr
- Earn 30,000 MR factors upon making a purchase order in months 14–17 as a cardholder
Nevertheless, remember the fact that the construction of the Gold-to-Platinum improve provide is far easier, because you’ll get 120,000 factors upon spending $10,000 within the first three months, as an alternative of getting to push by way of $50,000 in yr one.
If the full spend over the course of the yr doesn’t pose a problem to you, then the general public provide may very well be the wiser selection. Nevertheless, in the event you’re searching for the trail of least resistance, this improve provide is actually price contemplating.
Conclusion
American Categorical Canada is providing prospects a chance to improve an American Categorical Inexperienced Card, American Categorical Cobalt Card, and an American Categorical Gold Rewards Card. The improve presents for all playing cards provide the prospect to quickly develop your factors balances in just a few months.
In case you’re capable of make the most of any of the improve presents, 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 presents are set to run out on August 18, 2025.
