Maria Adams, Credit Cards Moderator
@m_adams
You can upgrade from Chase Sapphire Preferred to Chase Sapphire Reserve® only after you’ve had the Chase Sapphire Preferred card for at least 12 months. You can request an upgrade either online or over the phone at (800) 432-3117.
Asking to upgrade Chase Sapphire Preferred to Chase Sapphire Reserve is quick and easy. Approval is not guaranteed, but using your account responsibly certainly helps. You may also receive a targeted upgrade offer, either by e-mail or through regular mail. Just note that you if you upgrade to Chase Sapphire Reserve, you will not be eligible for the Chase Sapphire Reserve’s initial bonus, unless it’s included as part of the upgrade offer.
How to Upgrade Chase Sapphire Preferred to Chase Sapphire Reserve
- Go to Chase’s dedicated page for requesting a product change.
- Enter your full name, the last 4 digits off your Social Security number, and your email address.
- Click on “Get Started.”
- Follow the on-screen instructions to upgrade your card. You may get a decision within four business days, if not immediately.
If you wish to request an upgrade over the phone, call (800) 432-3177. Then, enter credit card number and follow the automated prompts to connect with a customer service representative. Tell the representative you would like to upgrade your Chase Sapphire Preferred to Chase Sapphire Reserve, and they should be able to pull up your file and give you a decision in as little as a few minutes in some cases.
How Upgrading Affects Your Credit Score
It is worth noting that upgrading your Chase Sapphire Preferred Card does not require a hard inquiry on your credit report, so it doesn’t hurt your credit score. However, note that Chase Sapphire Reserve requires excellent credit, compared to just good credit for the Chase Sapphire Preferred Card. So, you need to make sure you qualify for the Chase Sapphire Reserve card before requesting an upgrade. You can check your credit score for free, right here on WalletHub.
It’s also important to note that Chase Sapphire Reserve isn’t an obvious upgrade over Chase Sapphire Preferred for everyone. It all depends on whether you'll get enough value from Chase Sapphire Reserve's extra travel perks to make up for its much higher annual fee.
Chase Sapphire Preferred Vs. Chase Sapphire Reserve
| Cards: | Chase Sapphire Preferred | Chase Sapphire Reserve |
| Annual fee: | $95 | $795 |
| Initial bonus: | 75,000 points for spending $5,000 on purchases in the first 3 months of account opening | 125,000 points for spending $6,000 in the first 3 months of account opening |
| Earning rates: | 1 - 5 points per $1 spent on purchases | 1 - 8 points per $1 spent on purchases |
| Notable card benefits: |
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| Foreign transaction fee: | $0 | $0 |
| Regular APR: | 19.99% - 28.24% (V) | 20.24% - 28.74% (V) |
There are a few reasons why you should upgrade to Chase Sapphire Reserve, including its extensive travel perks and higher points value, depending on the redemption option. But there are some potential downsides, too. For example, the Chase Sapphire Reserve Card’s $795 annual fee and ongoing bonus rewards categories might not be suitable for you, especially if you’re not a frequent traveler or high spender.
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People also ask
Is it hard to get Chase Sapphire Reserve card?
It is hard to get the Chase Sapphire Reserve® card because you need an excellent credit score to qualify. You will need a credit score of 750 or higher for good approval odds, as well as an SSN or ITIN and enough income to afford the monthly bill payments. You can check your credit score for free, right here on WalletHub.
What You Need to Get Chase Sapphire Reserve
- Excellent credit score of 750+
- Steady income
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Can I switch from one Chase credit card to another?
Yes, you can switch from one Chase credit card to another, as long as both cards belong to the same branded credit card family. Basic Chase card accounts cannot be switched to co-branded accounts (like United, Southwest, Marriott, IHG, or Hyatt).
For example, you can change from the Chase Freedom Flex® Credit Card to the Chase Sapphire Preferred® Card, but not The New United℠ Explorer Card.
Also keep in mind that you must qualify for the card you want to change to as well....
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