It has been a year and I just tried to upgrade my Ameriprise Gold to another Ameriprise Platinum both online and calling the number on the back. In the end I was told I had to call my financial advisor at 800-297-2012 to initiate the upgrade, mainly because I had gotten the Ameriprise Platinum and the first year was “free”. The truth of the matter is, I was never able to get an advisor to take my money! Nor did I ever get any of their insurance products via my Costco membership. It looks like until I do I am stuck with the gold card!