A product change is when you keep the same credit account open and request to go from product A to product B. You can request a product change after the first year of having product A.
For example, if you currently have the Chase Sapphire Preferred but you want to product change to a Chase Freedom card, you can request to do so after the first year of having the Chase Sapphire Preferred.
Rule #1: You can't product change cards between different product trees / families
Chase has several groups of products ranging from Ultimate Rewards credit cards, business credit cards, hotel co-branded cards, airline co-branded cards, and more.
The first rule is that you cannot product change cards between different product trees. Learn more about Chase product change options in this post.
For example, you cannot product change a Chase United card to the Chase Freedom card since they are not in the same product tree.
If a credit card is discontinued, then Chase will automatically product change it to a UR point earning card. For example, when the Chase Fairmont card was discontinued, everyone received a Chase Sapphire Preferred in it's place.
For grandfathered cards like the Chase IHG Rewards Club, no forced product changes have been made as of writing this post.
Rule #2: You can't product change to higher annual fee cards within the first year (12 months)
People often ask me if they can product change the Chase Sapphire Preferred to the Chase Sapphire Reserve after having it for less than 12 months.
The answer is "no" due to the CARD Act which states that the banks can't charge you a higher annual fee than agreed upon within the first year.
Rule #3: Don't downgrade (or cancel) cards in Year 1
Grabbing the bonus and downgrading to avoid annual fees will likely lead to clawbacks and blacklisting.
Rule #4: You can't product change between personal and business cards
Although the Chase core cards and business cards earn Ultimate Rewards (UR), and you can pool points together, you cannot product change between personal and business cards.
For example, you can't product change a Chase Freedom into a Chase Ink Unlimited, vice versa.
Chase Product Trees
Chase Core Cards
Most of these earn Ultimate Reward (UR) points so some people will consider these the "UR cards."
- Chase Slate
- Chase Freedom (FU)
- Chase Freedom Unlimited (CFU)
- Chase Sapphire (CS)
- Chase Sapphire Preferred (CSP)
- Chase Sapphire Reserve (CSR)
Chase Core Cards (BUSINESS)
- Chase Ink Cash Business (CIC)
- Chase Ink Unlimited Business (CIU)
- Chase Ink Preferred Business (CIP)
Chase Southwest (BUSINESS)
- Southwest Premier Business
- Southwest Premier
- Southwest Plus
- Southwest Priority
- Marriott Premier Plus ("Marriott")
- J.P. Morgan Ritz-Carlton ("Ritz")
Chase Marriott (BUSINESS)
- Marriott Premier Business
- United TravelBank
- United Explorer
- United Club
Chase United (BUSINESS)
- United Explorer Business
- United Club Business
- Disney Premier
- IHG Premier
- IHG Traveler
- World of Hyatt ("Hyatt")
Rule #5: Generally, you don't get a welcome bonus for product changing cards
Whenever you initiate a product change, you will not receive the signup bonus.
However, there is an exception to the rule if you accept an upgrade offer from a co-branded card.
Exception: Offers to upgrade from grandfathered cards to "new" one.
For example, the "old" grandfathered Chase Hyatt, Chase IHG Rewards Club, and Chase Marriott Rewards cards all have upgrade offers available when you product change to the new card.
Rule #6: Want to upgrade a card? It might have a minimum credit limit requirement
Before you ask for a product change to a higher tier card, be aware that there are higher minimum credit limits that must be issued for Visa Signature and Visa Infinite cards.
- Visa Signature = $5,000 credit limit
- Visa Infinite = $10,000 credit limit
These are limits set by Chase's system. Chase generally likes to issue 50% of your income as a credit limit across all your cards, so you might have to shift some credit limit around if you're near the maximum.
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