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Diamond Upgrade Program

The USAA Advantage®

Diamond Upgrade Program


A diamond that you purchase from USAA never loses its value. We offer a unique opportunity to members who wish to upgrade the size and/or quality of their diamond. You can apply the purchase price of your USAA-purchased diamond toward the purchase of a larger stone from our diamond inventory.

How the Program Works

When you are ready to upgrade, our GIA Graduate Gemologists will evaluate your diamond to verify the stone's condition. If your diamond qualifies, you may apply its original purchase price toward the purchase of a new diamond that is at least 25% greater in value. To qualify for the Upgrade Program, a diamond must meet the following criteria:

  • Standard Shape (Round, Oval, Marquise, Emerald Cut, Princess, Pear, Cushion, Asscher, Radiant or Heart)
  • At least carat single stone weight
  • D through L color
  • FL through I2 clarity

The Offer

Following evaluation, you will be contacted with the upgrade offer. The offer will include the original purchase price of the diamond(s). In cases where the upgrade is for diamonds contained in a finished piece of jewelry, the offer value will not include the setting or any diamond less than the ct minimum weight.

Upgrade Your Diamond Today

Call our Diamond Specialists at 1-888-825-2536, Monday to Friday, 8:30 a.m. - 5 p.m. CT. We will be happy to send you the USAA Upgrade Package and walk you through the process. USAA Merchandise Services Company reserves the right to decline any diamond under consideration for upgrade. Fancy-colored stones and clarity-enhanced stones are not eligible.

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