Chase Product Change Options And Rules

Again! Before we start! Never downgrade or close a card in the first year of opening it! Actually chase will even not let you normally do this.

Let’s see today the options and rules by Chase Bank on this:

  • You can not change between personal and business cards
  • You can not change between a Chase ultimate rewards card to a co branded card
  • You can not change a co branded card only within its family, Let’s say between one southwest and the other but not from a southwest card to a marriott

In the first year credit card companies are not allowed by law to change you to a higher annual fee so you will not be able to upgrade a card in the first year; Let’s say change from a sapphire preferred to a sapphire reserve, This will not be allowed.

But even downgrading chase will normally not let you within the first year and as stated above is not recommended to do regardless.

Annual fees: In regards to annual fees; If you upgrade a card you will get charged the annual fee of the new card immediately. If you downgrade a card, if its in the first statement of the annual fee being billed you will get a full refund, if its after that you will get a pro-rated refund

 

Now lets devide them up clearly:

  • Chase Ink Preferred, Chase Ink Cash, Chase Ink Unlimited
  • Chase Freedom, Freedom Unlimited, Sapphire, Sapphire Preferred, Sapphire Reserve
  • All Southwest Personal Cards
  • All Southwest Business cards

 

Chase Ink Business Preferred

Earn 100,000 Points After $15,000 Spend

Chase Ink Business Cash

Earn 50,000 Points After $3,000 Spend

Chase Sapphire Preffered

Earn 60,000 Points After $4,000 Spend

Chase United Business Card

75,000 Miles After $5,000 Spend

Chase Ink Business Unlimited

Earn 50,000 Points After $3,000 Spend

Chase Sapphire Reserve

Earn 50,000 Points After $4,000 Spend

Chase IHG Premier Card

150,000 Points After $3,000

Chase Southwest Performance Business

Earn 100,000 Miles After $25,000 Spend

Chase Freedom

Earn $150 After $5000 Spend

Chase Freedom Unlimited

Earn $150 After $500 Spend

Chase United Explorer

Earn 60,000 Miles After $3,000 Spend

Chase British Airways

Earn 100,000 Miles After $20,000 Spend

Chase Marriott Bonvoy Boundless

Earn 75,000 Points After $3,000 Spend

Chase Ink Business Preferred

Earn 100,000 Points After $15,000 Spend

Chase Ink Business Cash

Earn 50,000 Points After $3,000 Spend

Chase Sapphire Preffered

Earn 60,000 Points After $4,000 Spend

Chase United Business Card

75,000 Miles After $5,000 Spend

Chase Ink Business Unlimited

Earn 50,000 Points After $3,000 Spend

Chase Sapphire Reserve

Earn 50,000 Points After $4,000 Spend

Chase IHG Premier Card

150,000 Points After $3,000

Chase Southwest Performance Business

Earn 100,000 Miles After $25,000 Spend

Chase Freedom

Earn $150 After $5000 Spend

Chase Freedom Unlimited

Earn $150 After $500 Spend

Chase United Explorer

Earn 60,000 Miles After $3,000 Spend

Chase British Airways

Earn 100,000 Miles After $20,000 Spend

Chase Marriott Bonvoy Boundless

Earn 75,000 Points After $3,000 Spend

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