Originally Posted by
iowa guy
I have:
- Chase Ink Business Cash
- Chase Ink Business Preferred
- Chase Sapphire Reserved
- Chase Freedom Unlimited
When you say that you'll upgrade your Freedom to a CSR/CSP, does that mean you won't need to apply for the CSR/CSP? I was thinking about doing something similar as you but I was going to apply for the CSP/CSP to get a sign up bonus.
I got my CSR nearly 4 years ago, so if I downgrade to a Freedom Flex/Freedom Unlimited, I could potentially apply for the CSR or CSP as a new account and earn another signup bonus. However, I am planning to apply for the Chase Ink Cash in the next 4-6 months, so I don't want to overapply for new accounts and increase the chance of being denied.
I've never had a problem upgrading a Chase card to another Chase card in the same family, assuming the account is a year old. I wouldn't earn a signup bonus, but I am mainly concerned about having transfer partners available when I decide where to transfer my UR points. I just don't want to keep paying for the CSR indefinitely to have transfer options when I can just upgrade an existing card, though this could change if Chase keeps the annual fee at $450.00 or provides a retention offer.