Hello,

I would like your inputs on this matter. I have a few questions.. thank you for your help!

1. I've had the Amex Premier Rewards Gold card for a year this coming November. I have not used the $100 Airline credit yet this year. However if I use the $100 now and upgrade to the Platinum card by November, will I still get the $200 credit after the upgrade? (Ex: $100 now, and $200 in November/December. So a total of $300 in credit in 2016)


2. Also how would the annual fee work for the Gold card if I upgrade before the annual fee is due which I assume will occur in November?


3. If I got the Platinum upgrade, I know the perks are the various airport lounges. Would I have access to ALL lounges in the airports or do they have to be affiliated with the same airlines as my airplane tickets?

Thanks so much!