Can you ever re-qualify for intro offers on cards you already have? Like the 0% Apr for 12mo? If I’ve had the card opened for years?

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Posting as :
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In many cases you can close (or product change) the card, wait a few days, and then apply. The fine print will list the terms you have to meet to be eligible, you should read it carefully. Since you're applying for a new card it will still count as a new card on your credit report etc.

Chase for example generally excludes you from intro offers if you received an intro offer for that card within the previous 24 months. But for the Sapphire cards it's 48 months, instead. Other banks have their own rules.

You could try calling up the bank and asking them to apply the introductory offer, but I wouldn't expect them to say yes, the point of those offers is to attract new cardholders not pay off existing ones.

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Thank you

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