Yes, you can upgrade Chase Freedom to Unlimited. To upgrade, call customer service at 1 (800) 432-3117, enter your account information, and ask to speak to a customer service representative when prompted. Tell the representative you’d like a product change from Freedom to Freedom Unlimited. The representative will review your account to make sure you’re eligible. The odds of getting an upgrade are highest if you’ve had the Freedom card for at least a year with a clean payment history and a low utilization ratio. It should take just a few minutes to receive a decision, and it won’t hurt your credit score because there’s no hard inquiry.
There’s also an option to upgrade from Chase Freedom to Unlimited online. Log in to your account and send a secure message stating your request to upgrade. From the main menu, under “Connect with Chase,” click “Secure Messages” and then “Compose Message.” A response usually takes a few hours.
If you’re approved for an upgrade from Chase Freedom to Unlimited, you will not be eligible for the Unlimited card’s $150 initial bonus. You will, however, earn 1.5% cash back on all purchases immediately upon approval. In other words, you can use the existing Freedom card to earn Freedom Unlimited rewards until you get the new card in 7-10 business days.
When you upgrade from Chase Freedom to Unlimited, the card number will remain the same, and account information such as the credit limit and APR will transfer to the new card. The new Unlimited card will also come with an updated 3-digit security code, so you will need to activate the card before you can use it. But, since the upgrade does not show up on your credit report as a new account, the move will not affect your credit score.