Maria Adams, Credit Cards Moderator
@m_adams
You can upgrade from Chase Sapphire Preferred to Chase Sapphire Reserve® either online or by phone at (800) 432-3117.
Here’s how to upgrade Chase Sapphire Preferred to Chase Sapphire Reserve:
- Wait at least 12 months after opening your Chase Sapphire Preferred account. You can’t upgrade sooner than that.
- Contact Chase customer service by phone at (800) 432-3117 or online when you’re ready to upgrade.
- To request an upgrade online, enter your information on the Chase website. It may take up to four business days for your request to be approved and new benefits to take effect.
- To request an upgrade 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.
- Get a decision within four business days, if not immediately.
However, 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
Chase Sapphire Preferred | Chase Sapphire Reserve | |
Annual fee: | $95 | $550 |
Initial bonus: | 60,000 bonus points for spending $4,000 in the first 3 months | 60,000 bonus points for spending $4,000 in the first 3 months |
Earning rates: | 1 - 5 points per $1 spent on purchases | 1 - 10 points per $1 spent on purchases |
Redemption value: | 1.25 cents | 1.5 cents |
Notable card benefits: |
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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.

Chase Sapphire Preferred® Card
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