May be a dumb question. But I want to get the Chase Sapphire Reserved (currently have the Preferred). Obviously I do not want to pay both of the annual fees. Do I cancel the Preferred or downgrade?

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Posting as :
works at
You are currently posting as works at

Downgrade preferred to a free card

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If you paid the fee in the past 6 months, you can get it credited back to your account.

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I'm not sure, it might be a "preferred" treatment. But you should ask nonetheless.

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Downgrade to the Chase Freedom Unlimited and apply for the Chase Freedom. Use Freedom on bonus categories per quarter (for 5x points), and Reserve for dining and travel (for 3x), and use Freedom Unlimited for everything else (for 1.5x). You can transfer points from Freedom cards to Reserve for airline point transfers, etc. and you maximize points on every dollar you spend with just 3 cards. Best credit card strategy that exists right now.

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But there is no such thing as a dumb question 😜

Downgrading won't get you your money back for the fee you've already paid though right?

Apply to the CSR and get those bonus points. Try to downgrade to a free chase card

@Accenture is that specific to the preferred? I'm interested in downgrading some other chase co-branded cards that I forgot to do before my renewal date but if I'm going to lose what I've already paid in fees no sense in doing it now

I downgraded my Chase Sapphire Preferred to the regular Chase Sapphire and moved over most of my CL to the reserve card

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