Should You Product Change to Get the Chase Sapphire Reserve?

With the recent introduction of Chase’s new Chase Sapphire Reserve, there are a lot of people who are wanting the credit card. A big part of that is attributed to the 100,000 Ultimate Rewards point signup bonus that is currently offered with the card after spending $4,000 on purchases within the first three months of opening your account.

But, people who have gotten more than five credit cards in the last 24 months generally aren’t able to get approved for this new credit card offering. This is because Chase implemented a new “rule” called 5/24 earlier this year, in all likelihood to try to give out less credit cards to people who have a habit of getting cards, not using them, and then canceling the card when the annual fee comes due 12 months later.

With that being said, there are a lot of people who want the Chase Sapphire Reserve that are currently not able to get it. While the sign-up bonus is definitely one of the best things about the card, it is a solid credit card offering and it is worth considering product changing another Chase credit card to the Chase Sapphire Reserve.

You should be able to product change any Chase Ultimate Rewards earning credit card including the Chase Freedom, Chase Freedom Unlimited, and Chase Sapphire Preferred Card to the Chase Sapphire Reserve.

	Chase Sapphire Preferred® Card Add to Favorites	$0 intro first year $95 annual fee	Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards® Read Review »
Already have this card? Track it and maximize your rewards.

	Chase Sapphire Preferred® Card
Apply Now Add to Favorites
Sign Up Bonus $0 intro first year $95 annual fee Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards® Annual Fee Already have this card? Maximize your rewards.
Read the FTG Review »

	Chase Freedom® Add to Favorites	$0 annual fee	Get a $150 Bonus after spending $500 on purchases in your first 3 months from account opening. Read Review »
Already have this card? Track it and maximize your rewards.

	Chase Freedom®
Apply Now Add to Favorites
Sign Up Bonus $0 annual fee Get a $150 Bonus after spending $500 on purchases in your first 3 months from account opening. Annual Fee Already have this card? Maximize your rewards.
Read the FTG Review »

Here’s why you might want to product change:

• Better points earning than the CSP: 3x on travel and dining and 1x on everything else
• Priority Pass Lounge Access including a guest
• $300 travel credit each calendar year
• 50% bonus when redeeming through Chase’s travel portal