From Sapphire Preferred to Freedom Unlimited, No Waiting

On Saturday morning I published “Freedom Unlimited plan thwarted.”  Since I now have the top-end Sapphire Reserve card, I wanted to downgrade my Sapphire Preferred to Freedom Unlimited.  This way, I could continue to earn 3X travel & dining with my Sapphire Reserve card, 5X office supplies, cable, internet & phone, and 2X gas, with my Ink Plus card, 5X on rotating categories with my two Freedom cards, and 1.5X everywhere else with the Freedom Unlimited card.

My plan was temporarily thwarted.

Chase Cards Trimmed

When I had originally called, I had been told that my Sapphire Preferred card was too new to change to the Freedom Unlimited.  So, I waited until the card was a year old and tried again.  I then learned that Chase’s computers had not made the Freedom Unlimited a valid product change option for me.  They seem to have a magical formula that decides who can change to what and when, so you may have different results.

I went ahead with the only option I was given: I product changed from the $95 per year Sapphire Preferred card to the no-fee Sapphire card.  I didn’t want the Sapphire card, but I figured that it might be possible to product change later from that card to the Freedom Unlimited.  And I published my experience: Freedom Unlimited plan thwarted.

In reaction to the post, people commented, Tweeted, Facebooked, and emailed to let me know the following:

  1. There was no need to wait for my Sapphire Preferred to be a year old.  You can product change from the Sapphire Preferred to the no-fee Sapphire card, any time.
  2. Immediately after product changing to the Sapphire card, you can product change to the Freedom Unlimited.

So, at 9:45am Saturday, I sent a secure message to Chase to ask to product change from my new Sapphire card (which hadn’t yet been delivered to me) to the Freedom Unlimited card.  At 10:57 they responded, roughly with: “yep, we can do that. Here are the terms. Reply with acknowledgement that you want to continue.”  I replied, and by 12:50 in the afternoon it was done.  I am now the proud owner of a Freedom Unlimited card!

Thank you to everyone who tipped me off to this quick and easy trick!

About Greg The Frequent Miler

Greg is the owner, founder, and primary author of the Frequent Miler. He earns millions of points and miles each year, mostly without flying, and dedicates this blog to teaching others how to do the same.

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Pingbacks

  1. […] I believe that it is possible to product change from any consumer Ultimate Rewards card to any other, but it may require multiple steps.  For example, to product change from the Sapphire Preferred to the Freedom Unlimited, I changed first to the no-fee Sapphire, and then to Freedom Unlimited.  See: From Sapphire Preferred to Freedom Unlimited, No Waiting. […]

Comments

  1. Greg,

    I haven’t signed up for the chase sapphire reserve or the chase sapphire. I plan on signing up for the reserve this week. If I were to downgrade to the standard sapphire would i receive the sign up bonus?

  2. Doesn’t hurt to secure message them and ask them for an annual fee refund as well. They did it for me (prorated).

  3. A couple of months ago I called Chase and told them I wanted to cancel my Sapphire Preferred (which I had for over a year) and get Freedom Unlimited. They said no problem. And about a week later the FU card arrived. It had exactly the same numbers as my SP card. While I didn’t ask for this it was convenient as I didn’t have to redo the auto payments I had on SP. So I did the minimum spend on FU -BUT- I never got the signup bonus for getting FU as I guess it was treated as a transfer not a new card. In retrospect I should of just cancelled the SR, waited a couple of months and then applied for FU.

    • Yeah unfortunately product changes aren’t eligible for sign up bonuses. That’s why if I decided to drop my reserve and go back to preferred I will have to cancel and reapply for the preferred to get whatever sign up again, assuming it has been 2 years.

  4. When you downgraded, was there any impact on your credit limit or did you make a change to that in this process? That card has one of my highest Chase card CUs which I won’t need on the downgraded card but I don’t want to loose the credit amt. Thanks!

    • Speaking for me, card number and credit limit were exactly the same. The only thing that happened was my benefits and my actual plastic changed.

    • As Daniel says there was no change to the credit limit. Now I know, I wouldn’t downgrade but cancel SP first and then apply anew for FU to get the signup bonus. Also as Greg has said before make sure you use or transfer your SP points to SR before doing anything.

  5. It seems like chase doesn’t offer the free sapphire anymore so it’s interesting that this was allowed. I have all of my UR stuck in an account with only freedoms so I’m going to see if I can convert one to the Sapphire for a no fee way of transferring them to airlines. Does anyone have experience with this?

  6. FYI, I tired this and they said it’s fine, but apparently you can only do 1 product change per billing cycle. So after I changed fun CSP to just sapphire, I have to wait until after my new (and unwanted) sapphire ships (since my billing ends in 2 weeks) to change to FU after. Just be aware of that in your timing of your request.

      • I replied to the denial messages asking why i was not approved to PC from the Sapphire to FU. Their response was an apology stating that this option actually was available.

        So I have successfully downgraded from the CSP to FU in the past 2 days. For reference, I’ve only had the CSP since May.

        Thanks to this thread, I now have the Chase trifecta of CSR, Freedom, and FU!

  7. I just downgraded CSP to reg sapphire yesterday. Then today sent a secure message to change that to FU, received a response that said change was possible and to confirm request. I confirmed request and then an hour later got a response that I had to wait for next billing cycle. Is this perhaps based on the particular CSR that receives the request?

    • As a test I just resent my product change request and the different CSR approved it. So I guess just keep sending secure messages til you get the answer you want.

      • I got unlucky…Went from CSP to CS no problem and then waited for CS to arrive. When it did (ugh) I tried to change it to FU and they told me I had to wait until the cycle reset. Hoping for better luck after my statement cycles.

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