OK, nicely, if that’s the case and also you don’t already personal a Chase Sapphire Most popular® Card, the transfer right here is to use for the Chase Sapphire Reserve®. The Reserve card comes with a $550 annual payment, however that may be offset by the easy-to-use annual $300 journey credit score, making it one of many greatest Chase playing cards you’ll discover. Crucially, it additionally contains limitless airport lounge entry for you and as much as two company by the use of a Precedence Cross Choose membership and entry to the rising community of Chase Sapphire Lounge by the Membership areas.
Should you sometimes journey with greater than two company, right here’s a workaround for you. Should you add a certified person for $75, they’ll be eligible for their very own Precedence Cross Choose membership, granting them entry to the lounge community with no need to make use of any of your visitor passes.
Should you already personal a Sapphire Most popular however want to personal the Sapphire Reserve as a substitute for the lounge entry, you possibly can name the quantity on the again of your card and ask to improve. This is usually a higher transfer than making use of outright for a brand new card for 2 causes. First, you aren’t allowed to carry two Sapphire playing cards directly. Second, a product change means you received’t have to use outright for a brand new card, so there received’t be a tough credit score verify. That is particularly excellent news to those that maintain different Chase playing cards, as Chase has an unpublished however well-known “5/24 rule” the place the issuer won’t approve candidates for a brand new card in the event that they’ve utilized for 5 or extra new bank cards within the earlier 24 months.
Nevertheless, in the event you haven’t owned your Sapphire Most popular card for at the very least a 12 months, you received’t be capable of improve your card to the pricier Sapphire Reserve. That’s as a result of the CARD Act of 2009 prevents issuers from elevating your annual payment inside a 12 months of you opening your account.
