Product Change Options for Chase Credit Cards

Before you jump to cancel a credit card with an annual fee, consider product changing the card instead. Canceling a credit card usually affects your average age of credit, which can impact your credit score.

We put together a chart to show you the different product change options for Chase credit cards.

Important: You don’t qualify for sign up bonuses when you product change a card.

chase product change options

chase product change options

How to request a product change

To request a product change, you can either call the number on the back of your credit card or send a secured message via Chase online account.

Before you request a product change, be sure you can meet the credit limit requirements. Visa Infinite cards have a minimum credit limit requirement of $10,000, and the Visa Signature cards have a minimum credit limit of $5,000.

You can product change to any card within the same category. Be aware that you can’t product change a personal card to a business card, vice versa.

There are also some cards you can’t product change until you’ve had them for at least 12 months. The Chase Sapphire Preferred is an example of this.

🚫 Cards that you can’t apply for

Chase offers a few no annual fee cards, like the Chase Sapphire card, that you can downgrade to, but not apply for. Cards on the chart with “ 🚫” can only be product changed to. You cannot apply to get the card.

Ultimate Rewards

If you want to downgrade your Chase Sapphire Preferred or the Reserve, we recommend a Freedom or Freedom Unlimited. The Freedom card lets you earn more cash back with 5% categories.


United offers a few credit cards. If you have an existing United card that you no longer wish to pay an annual fee for, you can product change it to the no annual fee version. Keep in mind that baggage fees are not waived with the no annual fee card.

If you want to lower the annual fee, you have the option to downgrade to the Southwest Plus card.


Hotel cards cannot be product changed. For example, you can’t product change a Ritz-Carlton card to a Marriott Rewards card.

Other personal cards

If you want to lower how much you pay in annual fees, there’s a downgrade option to a Disney Rewards card.

Both Amazon cards do not have annual fees. The Amazon Prime card only makes sense if you have Amazon Prime.

Business Cards

Ultimate Rewards
The Ink Preferred has an annual fee, but it gives you 3x back on social media marketing ads. The no annual fee downgrade option is the Ink Cash.