Old Oct 9, 18, 9:50 am
Join Date: Oct 1999
Location: MD,USA
Posts: 374
Here is my understanding of the upgrade: You get a partial refund (depending on your anniversary date of your old card) of the annual fee. You then pay the new $95 annual fee and you will get your new free night cert one year from the time you upgrade. What this means to me is the bonus offer for upgrading is what Chase will compensate me for the extra wait for the higher value free night cert (if my current anniversary date is January and if I upgrade now, then I will not get a free night cert in January and I will have to wait until next October for my free night cert).

I think the new card does not come with any travel insurance or a one night credit for every $3k in spending. Does anyone know whether the old card still offers these benefits?
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