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You can upgrade Chase cards to multiple Chase Sapphire Reserve® Cards. If you are eligible for Chase Military Lending Act benefits as an active duty servicemember or a spouse, your annual fees will be waived on all Chase accounts.
The primary benefit of multiple CSR cards is the $300 annual travel credit. You can also get Global Entry credit on each account.
Cards that can be upgraded to Chase Sapphire Reserve include:
- Chase Freedom Unlimited® Credit Card
- Chase Freedom Flex® Credit Card
- Chase Sapphire Preferred® Credit Card
In order to upgrade, the card must have at least a $10,000 line of credit to be eligible for Visa Infinite priveleges and the account must be at least 1 year old.
To upgrade, call the number on the back of your Chase card, or call 1-800-524-3880 or internationally call +1-302-594-8200. Ask to speak to a representative about “product changing” your current Chase card to a Chase Sapphire Reserve. If the customer service representative says it's not allowed because you already have a Chase Sapphire Reserve, hang up and call again.
Ultimate Rewards points will be moved to the upgraded account, so there's no risk there.
You don't need to create a separate login, which is necessary when upgrading Amex cards.
There are usually no upgrade bonus offers and you will not receive a welcome bonus offer for upgrading a lower-tier card to the Chase Sapphire Reserve® Card.
Podcast episode on upgrading Chase and American Express cards:
Podcast episode on the Chase Sapphire Reserve:
Chase Sapphire Reserve® Card
Learn how to apply on our partner's secure site
- $550 annual fee waived to $0 for US military + spouses with Chase MLA policy
- Earn 60,000 bonus points after you spend $4,000 on eligible purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually.
- 3x Points on other Travel (airfare, hotels) after earning the $300 travel credit
- 3x Dining restaurants, takeouts, delivery
- Chase Ultimate Reward Points redeemed through Chase Travel℠ are worth 1.5 cents, a 50% bonus.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- Priority Pass lounge and restaurant access with over 1300+ airport lounges worldwide
- Up to $100 application fee credit for Global Entry every 4 years
- Count on Trip Cancellation/Interruption Insurance, Primary coverage with Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- No foreign transaction fees, Member FDIC
- Learn more in the Chase Sapphire Reserve review
It's unknown how many Chase Sapphire Reserve cards you could have at any one time. The most I have heard of is 5 CSRs at once by one cardholder.
Yes, you can upgrade lower-tier cards. Chase has a application rule called the “one Sapphire card,” but this only blocks direct applications for additional Sapphire cards, not upgrades.