Hello FT,

I've had a Chase Visa Flexible Rewards card for about 4 or 5 years now. In general, I think its a pretty crappy card that I got suckered into early on as a college kid ($25 annual fee, 1 point per $1, 10000 points = $100).

With so many better options, I want to get more bang for my spending. So I'm wondering, does anyone else still have this card? Is it possible to transfer the points to the Ultimate Rewards System or upgrade/switch the card for a card that has a better points program? How do I approach this?

The 2 cards that come to mind are Chase Freedom and Chase Sapphire, ideally I would want the Chase Sapphire with the bonus 50k.

Any feedback on this card and what I can do is appreciated. Thanks.