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There is no no-fee sapphire, only the less expensive Preferred cars. The clock starts when you applied for your first chase sapphire product. If you downgrade to another product, like the freedom, the clock does not reset.
i too, did not know there’s a no fee sapphire card…. ooooh!
Chief
It's 48 months since you received the bonus. So keeping the CSR, downgrading to any card, or canceling all together doesn't impact the waiting period.
I'd recommend downgrading to the Freedom Flex vs. The plain Sapphire.
Didn't realize I could have duplicates, thanks!