World and World Elite are different. Chase intentionally markets the "Sapphire" brand and downplays the MasterCard/VISA aspect. Other banks (e.g. Citi) issue the same card in both World and World Elite versions, but there does not seem to be any way to predict which type a specific customer will receive, and the CSR's often have not been trained to answer questions about this aspect.

mine says world, no elite

What's the difference between World & World Elite?

Kind of surprised - My Ink Bold is a world elite MC and since the Sapphire Preferred and the Ink Bold are marketed as personal / business counterparts, I would have thought the SP MC would be a world elite also. World MC cards usually have the red / yellow MC logo on the card, while the World Elite cards have the silver foil MC logo. The picture of the SP MC card at the MasterCard site shows the silver foil logo. Which type of logo do you have on your card?

The MasterCard site explains what the differences are between the two cards.

It is the silver foil, but nowhere does it say elite

To me, the bonus is not what matters in the end. I am looking at close to $50k in airfare purchases for business travel this year (previously all on Delta). The United card (like my SkyMiles AMEX) offers 2x points on United purchases. Hotel loyalty is not really important to me, neither is credit card churning and having to manage 5, 10, 15 credit card application/cancellation hassles. I just want a few very useful and practical travel cards that fit with my annual airfare spending. (100,000+ United miles per year + BIS miles vs a 40-50k one time initial bonus and another credit hard to think about - for me the card conversion makes more sense)

Links:

World

http://www.mastercard.us/credit-card-world.html

World Elite

http://www.mastercard.us/credit-card-world-elite.html

Why do you believe this is true? I have an Ink Bold card with a silver logo marked "World", and a Citi Chairman card with a Red/Orange logo marked "World Elite".

You're right - the silver foil logo must just be their latest marketing iteration - even Visa seems to be putting a silver foil logo on some of their cards (not referring to the hologram).

So the only real differences between the World and World Elite are the "special" products / services you are invited to use? Looks like purchase protection, rental insurance, ... etc. are the same for both versions?

Moderator action
 

Several fragmentary discussions about converting Chase cards from one rewards program to another, or from fee to no-fee version, have been combined.

I tried this very thing yesterday with business cards. Chase wouldn't allow it since it it is a "partner" card. The only options were the two Ink cards, not the Ink Bold. Ink Bold required a separate app.

Anyone have any luck converting their legacy United card to a Freedom card?

Freedom to Sapphire Preferred
 

I have 8 month old Chase freedom card.
As I'm on travel job want to convert it to any one of the Sapphire Preferred or MileagePlus Explorer card
Will Chase allow to convert instead of applying a new card

Why not apply and take the perks, if declined go for a lower credit limit, and quit Freedom on your own terms....keep both...double your pleasure..

If you convert you do not get the bonus.

Agree with above. The Chase Freedom is definitely a keeper.

Can you downgrade Chase Marriott card to fee-free version?
 

Does anyone know if there is a fee-free version of the Chase Marriott card to which one can downgrade?

Thanks!

There is a lower annual fee version with less benefits. ($45)

Most people here keep the higher fee version. The annual free night is easily worth the $85

Thanks for the info. I personally don't think it's worth it since the hotels I used to use the free night cert for are now Category 6.

Conversion Experience
 

I've had a United MileagePlus Visa Signature from Chase ($60 annual fee) for a few years now (thanks for that 60k signup bonus!) and started looking into current offers to convert my card. The Club Card seemed pretty good, especially considering I just spent $450 on a club membership.

My card fee just renewed in May ($60) and I just purchased a Club membership ($450). They'll reduce my new $395 membership fee by the $60 pro-rated and then refund my $450 for the Club membership (takes 4 to 6 weeks typically).

So, this works out pretty good. Plus two bags free instead of one every time I fly, no foreign transaction fees, 2x points on United travel purchases and 1.5x points on all other purchases (1x points for everything on old credit card).

Only downside is that I don't get the $95 statement credit, but, that's fine with me as I have plenty of cards and don't need any more.

It was a quick and painless process with no credit check or application process. My new card is supposed to show up in 3 to 5 business days and new Club card shortly after that.

It's not only for the free night (even though it usually does make it up for the $85 fee). If you think it's worth it for the Premier card, you do get 15 elite nights, 5 extra points per dollar spent at Marriott and an extra elite night credit for every $3K spent. If it's not all that important, then cancel the card. I've been looking also and there is no free Marriott CC (so far at least).

IMHO, "downgrading" is just about always a bad idea.

Cancel old card, apply for new card you want to downgrade to and, key point, get more bonuses. :D

So you travel so little that you only use the same Catogery 6 hotels and nothing else? If so, why are you even interested in keeping the card at all?

I would think $45 for no free night cert and no 15 elite nights dropped into your account (making you a minimum of Silver, and about 1/3 of your way to Gold) is actually a lot worse deal!

I doubt I'd pay a single penny for holding this card if it didn't come with the free night cert and 15 elite nights head start a year. But of course those two go together: I travel enough that the 1/3 head start to getting Marriott Gold is very valuable, and thus I travel enough that I can always find someplace to use the free night cert, even the cat 1-4 that you get the first year or that you get from the MegaBonus offers. The last one I used for a night when I was arriving late at BUF airport, while on the way to a Niagara vacation, and all the decent airport hotels (not just Marriott, but all brands) were $150++ a night, but several of them were Marriott family cat 3 or cat 4. No brainer! (I actually used it for a cat 3 Fairfield because it got much better reviews on TripAdvisor than the cat 4 Residence.)

I could see downgrading to end up with two freedom cards, that would make sense.

chase INK biz cards downgradable to avoid annual fee?
 

There are 4 different chase biz cards,

1 INK CASH, 2 INK CLASSIC, 3 INK BOLD. 4 INK PLUS
https://creditcards.chase.com/busine...dit-cards.aspx

I currently have the ink bold. my wife wants to apply for either one of the above and she has no chase biz card.
we both have SP card which is personal.

Are all four or three of the above are downgradable/convertable each other?

If she applies for INK BOLD now and when annual fee comes next year, she can downgrade to ink cash or the ink classic to avoid annual fee?

Out of the 4, only INK CASH has some kind of zero liability, purchase protection?

thanks

The INK bold can be downgraded to INK Cash or INK Classic to avoid annual fees. SP can be downgraded to regular Sapphire. Between the INK Cash or Ink Classic, I would choose the Ink classic to downgrade to, to keep earning points.

someone on dansdeals said his IB card wasn't downgradable to any other cards and thus had to cancel due to annual fee.

my wife doesn't have any ink cards, deciding between IB charge or the IB PLUS.


she has good score but short history, if she has to close one card to get this approved, it will be the PRIORITY CLUB< but she has 44k points, will lose her PC points?

It may be like Amex where you can't downgrade a charge to a credit card. Ink Bold is a Charge, whereas Ink is a credit card. Guess you gotta figure out which one of the fee free cards is a credit version.

WONDER IS ink classic is a charge or credit card!


looks like if u got the IB now and next year, you are stuck between cancelling it or keeping it with $95 AF.

IMHO, downgrading is not a winning tactic. Just cancel the card and get another one that earns Ult Reward Pts. Or--get the second card first and then cancel.

It is easy to transfer URPs from one card account to another so you don't lose any by closing.

Or just convert the URPs to, say, UAL miles.

If you don't apply for new cards you can't get new bonus URPs. @:-)

By the way, I have had at least four URP earning cards from Chase in the last few months. Gotta love the bonuses. :D

That's exactly what I did with my CSP.
I now have two Freedom cards, which allows me to max out the 5x categories twice.

I got the Chase Ink Plus a month ago. Once I get the bonus, how long should i wait til i convert it to a Freedom without losing the bonus?

Since the Ink Plus is a business card, I'd expect you would not be able to convert a business card to a Freedom - but I could be wrong.

I'd think that you could change the card to the no-annual fee version when the fee comes up.

+1
Also I keep up my AAoA. Important for people like me with 6 yr credit history

Convert JP Morgan Select to Chase Sapphire Preferred?
 

So I have a JPM Select, but I'm wondering if I should swap it out for a Chase Sapphire Preferred, since I think I'd rack up more points there because I'd also get double points on dining, plus the 7% dividend.

But I'm a little loathe to give up the chip (I've never used it, though maybe I will this summer in Europe) and the primary car insurance (used 2-3 times in the last year).

No forex is important to me, but I think both have that equally. Any other major perks I haven't considered here on either card?

I'm a bit wary because I don't think I can get the Select back anymore. On the other hand, aren't they going to force me over to another card anyways soon?

Any advice on how I should approach this decision?

I could be wrong, but I've read a few reports that the Select card cannot be converted into a Chase Sapphire Preferred, since they are in a different family of credit cards.

See here: http://www.flyertalk.com/forum/credi...signature.html

Instead of doing a product conversion, why not apply for a new CSP and snag those 40,000 bonus UR points?

Agree with the suggestion to just get a new Sapphire Preferred and get a new bonus.

But, why stop there? The Sapphire Preferred comes in both Visa and MC and you can get the bonus on both.

Also get a couple of Chase INK cards and collect another 100K in bonuses. :D

Chase, I love you! Although I have to wonder why banks which had to be rescued are allowed to handout big bonuses. :confused:

Well, regardless of the actual mechanics of the switch, which one should I keep? I'm not sure the annual fee would be worth it on the Select if I'm not spending money on it.

I'd have to rent cars a lot more frequently than I do to justify the the annual fee if I'm not also using it to earn points.

CSP has the same annual fee as JPM Select. If you just want the CSP, it seems the only reasonable thing to do would be to close the JPM Select, right? You'd certainly be doing no good if you apply for the CSP because you like the benefits, and then cancel it to keep JPM Select, which you find inferior!

Convert JP Morgan Select to Chase Sapphire Preferred?
 

As for the chip, the SP will be getting it soon, probably later in the year.

Oh, that's really helpful to know; thanks!