Maria Adams, Credit Cards Moderator
@m_adams
Yes, you can upgrade from Chase Sapphire Preferred to Chase Sapphire Reserve® either online or by phone at (800) 432-3117.
To request an upgrade online, enter your information to Chase’s Product Upgrade Catch All Page. It may take up to four business days for your request to be approved and new benefits to take effect. If you prefer to do so by phone, enter your account information and ask to speak to 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 a few minutes.
Either way, asking for an upgrade won’t trigger a hard inquiry on your credit, so there’s no harm in trying. But there are a few details you should be aware of before you make your request.
Here’s how to upgrade Chase Sapphire Preferred to Chase Sapphire Reserve:
- Wait at least 13 months after opening your Chase Sapphire Preferred account. You can’t upgrade sooner than that.
- Keep your Chase Sapphire Preferred for at least 24 months if you want Chase Sapphire Reserve’s 50,000 points initial bonus.
- Contact Chase customer service by phone at (800) 432-3117 or online when you’re ready to upgrade.
- Get a decision within four hours, if not immediately.
- Both Chase Sapphire Preferred and Chase Sapphire Reserve require excellent credit. So, you shouldn’t need to upgrade your credit score in order to upgrade to Chase Sapphire Reserve, as long as you’ve at least maintained your standing since getting Chase Sapphire Preferred. You can check your latest credit score for free on WalletHub and use your customized credit analysis to improve, if need be.
- Even if your credit is excellent, you could be denied an upgrade. For example, you might have too much debt relative to your income, high credit utilization, or a spotty payment history. It’s especially important to pay your bills on time in the months before you want a credit card company to approve you for something.
Asking to upgrade Chase Sapphire Preferred to Chase Sapphire Reserve is quick and easy. Approval is not guaranteed, but using your available credit responsibly certainly helps. And since you’ll find out the same day, you won’t waste any time wondering if you’ve been successful.
But 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® Card
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