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How to request a Chase credit card product change

Get a better card for your needs without a hard pull on your credit.

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If you’re not happy with your current credit card reward program, if you’re paying a high annual fee or if you’ve simply outgrown the card you have, you don’t have to apply for a new card. Requesting a product change could help you get the card you want without hassle and no direct changes to your credit score.

However, there are some limitations to keep in mind. For example, Chase doesn’t allow product change between two different rewards programs, such as moving from a Chase Ultimate Rewards card to a Marriott Bonvoy card.

Chase product change: How to request one

Call the number on the back of your card and ask if you’re eligible for a product change. If you qualify, you can complete the process over the phone.

Eligibility requirements

You can only make a product change to any card you want or to any Chase card if you qualify. Your product change eligibility depends on:

  • Credit card type.
    You can’t product change from one credit card program to another — meaning you can move from the Chase Sapphire Preferred to the Chase Sapphire Reserve. But you can’t move from the latter to a United Airlines cobranded credit card. Also, you can’t change from personal card to business card and vice versa.
  • Credit card age.
    If you want to make a product change from a no-annual-fee card to a card with an annual fee, you’ll have to wait until after your first year is up. The CARD Act from 2008 prevents Chase to charge a higher annual fee within your first year, but it doesn’t prevent you to change to a card with a lower annual fee.
  • Account standing.
    You must pay your full balance before the due date to be eligible for a product change.

Is a Chase product change worth it?

This largely depends on your situation. But changing your Chase credit card can be worth it if you want to:

  • Keep your credit card age.
    Credit card product change keeps your account’s age intact. But if you close a credit card, you lose the card’s age. This shortens your overall credit history and could have a negative impact on your credit score.
  • Earn better rewards.
    Upgrading to a stronger credit card within the program could mean higher rewards or higher value for your points. You could also change from accelerated rewards on one category to another where you spend more.
  • Avoid hard pulls on your credit.
    Making a product change helps you get a card you want without a hard pull on your credit.
  • Want to avoid paying an annual fee.
    If you have a card with an annual fee and you’d like to switch it out, you can downgrade to a card with no annual fee.

When Chase product change is not worth it?

In some situations, making a product change could cost you more than it’s worth. For example, if you want to upgrade to a better card to earn its signup bonus and then downgrade again.

This is possible to achieve, though it’s not recommended. Trying to play the system could result in Chase closing your account and forfeiting your rewards.

Am I eligible to earn the new signup bonus without penalties?

It depends. If your card is so old that it’s not offered anymore or if you had your card for more than two years, then yes — you could probably be eligible to earn the signup bonus without any issues. But you’ll likely be ineligible if your card is a recent acquisition.

What happens to my old Chase credit card?

Your credit card account is still active, you only get a new credit card reward program. As for the physical card, you should shred your old credit card or return it to a Chase branch for disposal.

Compare Chase credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Chase Freedom Unlimited®
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
$550
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
The World of Hyatt Credit Card
25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months
4x total points at Hyatt hotels as a World of Hyatt member, 2x on gyms, commuting, dining and airlines and 1x on all other purchases
$95
Earn 25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months.
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Bottom line

If you’re looking for something different from your current Chase credit card, consider a product change to another card within the program. This can help you get a card that’s better suited for your needs without a hard pull on your credit.

Compare Chase credit cards to find a different Chase product you’d like better. You can also compare other credit cards if you want a credit card from another provider.

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