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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.
Updated . What changed?
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.
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.
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
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.
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