{"id":22419,"date":"2025-12-03T18:20:01","date_gmt":"2025-12-03T18:20:01","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=22419"},"modified":"2025-12-03T18:20:02","modified_gmt":"2025-12-03T18:20:02","slug":"how-to-upgrade-credit-cards-with-the-same-issuer","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=22419","title":{"rendered":"How To Upgrade Credit Cards With The Same Issuer"},"content":{"rendered":"<div id=\"\">\n<div class=\"overflow-hidden relative bg-blue-50 aspect-video w-full rounded-lg\"><\/div>\n<p>\n            Joe Raedle\/Staff\/Getty Images\n        <\/p>\n<\/p><\/div>\n<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<div id=\"block_df618bf4a3dddf035d4cc4c6dbb90786\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Upgrading your credit card with the same issuer is a way to get better perks without a hard inquiry on your credit report, although you might miss out on a welcome bonus.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            To upgrade a credit card, contact your card issuer and consider negotiating perks like a higher credit limit or waived fees.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            When choosing a card to upgrade to, take a look at the new APR, any annual fees, the rewards structure and additional card benefits.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>There are a number of reasons you might want to upgrade your current credit card to one with better rewards or extra perks. Asking your current issuer for an upgrade can help simplify the approval process and avoid a hard credit inquiry. It can also keep you from closing your existing account and potentially taking a credit hit.<\/p>\n<p>Maybe you\u2019ve improved your credit with a secured card and are ready to get your security deposit back and move to an unsecured card. Or maybe you chose a lower-tier option in a specific card family, but now you\u2019re ready for a higher-tier card that opens the door to better rewards. It\u2019s also possible to downgrade a card to a simpler version \u2014 the process works the same way.<\/p>\n<p>Here are some best practices to keep in mind if you want to upgrade your card with your current issuer.<\/p>\n<h2 id=\"what\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What to know beforehand\" data-outcome=\"\">What to know beforehand<\/h2>\n<p>When you ask your issuer to change your current credit card to another card in their product suite, you\u2019ll often get to keep your original account.<\/p>\n<p>This means you can usually avoid the hard credit inquiry \u2014 and accompanying temporary ding to your credit score \u2014 that comes with applying for a new card. Confirm this with your issuer when you ask about the upgrade.<\/p>\n<p>On the flip side, one of the best perks of applying for and getting a new credit card can be a generous welcome bonus that you earn by meeting a certain spending requirement. Typically, upgrading a product with the same issuer means you won\u2019t get the new card\u2019s welcome bonus. And that cash back, points or miles offer can be worth hundreds of dollars.<\/p>\n<div class=\"TipBox flex sm:items-center gap-6 sm:gap-7 md:gap-8 mx-2 sm:mx-8 mb-8\">\n    <default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"TipBox-icon Icon icon-offset-blue-200 text-gray-900 icon-highlight-blue-600 mt-4 sm:-mt-4 md:-mt-1\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Star Icon<\/default:title><br \/>\n<default:path d=\"M8.244 24a1.92 1.92 0 0 1-1.19-.415 2.122 2.122 0 0 1-.778-2.042l.762-4.63a.706.706 0 0 0-.196-.622L3.61 13.01a2.15 2.15 0 0 1-.517-2.137c.238-.77.853-1.324 1.624-1.436l4.469-.675a.683.683 0 0 0 .516-.39l2.001-4.214C12.05 3.441 12.73 3 13.5 3c.77 0 1.451.45 1.796 1.16l2 4.213a.697.697 0 0 0 .517.39l4.47.675c.762.112 1.385.666 1.623 1.436a2.15 2.15 0 0 1-.517 2.137l-3.23 3.28a.73.73 0 0 0-.197.622l.762 4.63a2.127 2.127 0 0 1-.787 2.042 1.91 1.91 0 0 1-2.116.173l-3.993-2.19a.664.664 0 0 0-.648 0l-3.993 2.19A1.903 1.903 0 0 1 8.26 24h-.016Z\" fill=\"transparent\" class=\"icon-offset\"\/><default:path d=\"M6.494 23c-.439 0-.877-.145-1.246-.435a2.223 2.223 0 0 1-.816-2.14l.799-4.849a.74.74 0 0 0-.206-.653L1.64 11.488a2.253 2.253 0 0 1-.541-2.24c.249-.806.893-1.386 1.7-1.504l4.682-.707a.716.716 0 0 0 .542-.408l2.096-4.414C10.479 1.462 11.193 1 12 1c.807 0 1.52.471 1.881 1.215l2.096 4.414a.73.73 0 0 0 .542.408l4.681.707c.8.118 1.452.698 1.701 1.505.24.798.035 1.659-.54 2.239l-3.386 3.435a.764.764 0 0 0-.206.653l.8 4.85c.137.825-.181 1.64-.825 2.139a2.001 2.001 0 0 1-2.217.181l-4.183-2.293a.696.696 0 0 0-.679 0l-4.184 2.293c-.309.172-.644.254-.97.254h-.017ZM11.99 2.46a.713.713 0 0 0-.652.416L9.242 7.291c-.309.643-.893 1.097-1.58 1.196l-4.682.707a.717.717 0 0 0-.584.517.735.735 0 0 0 .18.752L5.961 13.9c.498.508.721 1.233.61 1.949l-.8 4.85a.735.735 0 0 0 .276.716c.232.181.524.2.773.063l4.184-2.293a2.015 2.015 0 0 1 1.95 0l4.183 2.293a.69.69 0 0 0 .773-.063.753.753 0 0 0 .284-.716l-.8-4.85a2.253 2.253 0 0 1 .61-1.949l3.385-3.435a.732.732 0 0 0 .18-.753.717.717 0 0 0-.583-.517l-4.682-.707c-.679-.1-1.272-.553-1.58-1.196l-2.097-4.415a.705.705 0 0 0-.653-.417h.017Z\" class=\"icon-base\"\/><\/default:svg>    <\/p>\n<p class=\"w-full mb-0\">\n        <strong class=\"font-bold\"><br \/>\n            Keep in mind:<br \/>\n        <\/strong><br \/>\n        Your upgrade options with the issuer might be limited. For example, if you have an American Express card that earns Membership Rewards points, you probably can\u2019t switch to an Amex cash back card or co-branded Delta SkyMiles card.\n    <\/p>\n<\/div>\n<h2 id=\"upgrade\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to upgrade a credit card\" data-outcome=\"\">How to upgrade a credit card<\/h2>\n<p>Once you\u2019ve decided you want to upgrade to a card with your current issuer, here are a few steps to take:<\/p>\n<h3>1. Call your card issuer<\/h3>\n<p>The best way to make your request is by contacting your credit card issuer. You can call the phone number on the back of your card or listed below to discuss upgrade options.<\/p>\n<p>Research the card you have in mind beforehand so you can come to the issuer with questions about your eligibility, card terms and conditions and the upgrade process.<\/p>\n<p>Here are the numbers to call for these major card issuers:<\/p>\n<ul class=\"wp-block-list\">\n<li>American Express: 1-800-528-2122<\/li>\n<li>Bank of America: 1-800-732-9194<\/li>\n<li>Capital One: 1-800-227-4825<\/li>\n<li>Chase: 1-800-432-3117<\/li>\n<li>Citi: 1-800-950-5114<\/li>\n<li>Discover: 1-800-347-2683<\/li>\n<li>Wells Fargo: 1-800-642-4720<\/li>\n<\/ul>\n<h3>2. Negotiate the new card\u2019s terms<\/h3>\n<p>It\u2019s worth asking what other benefits you could score from your issuer.<\/p>\n<p>Since you\u2019re not applying as a new cardholder, some perks might not be offered. But you can ask whether the issuer will add in the regular welcome bonus, waive your annual fee for the first year or extend a higher credit limit. There\u2019s no guarantee, but having a positive history with the card issuer could work in your favor.<\/p>\n<h3>3. Upgrade and get your new card<\/h3>\n<p>After you\u2019ve considered your options and started the upgrade process, you may get a temporary card after you\u2019re approved to start using online and with a digital wallet. Your new physical card should arrive in the mail within seven to 10 days. Once your new card is activated, your old card will be void.<\/p>\n<h3>4. Update your card information<\/h3>\n<p>If you have recurring charges like subscriptions or memberships connected to your previous card, you\u2019ll need to update your card information after receiving your new card number.<\/p>\n<p>Just make sure those are still the charges you want on the card to reap the most rewards. For example, another cash back card in your wallet might earn more rewards on a streaming service now than your upgraded card will. It makes sense to allocate your spending based on your card rewards. Or if you have a credit card saved with your favorite airline, make sure it\u2019s your travel card.<\/p>\n<h2 id=\"choose\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to choose your upgraded card\" data-outcome=\"\">How to choose your upgraded card<\/h2>\n<p>If you\u2019re itching for a new card, ask yourself whether you want to stay with the same issuer or if there\u2019s a card from a different issuer you\u2019re more interested in. While keeping your accounts under the same issuer is convenient, most issuers make it easy to move money around and pay your balance.<\/p>\n<p>When it comes to the potential upgraded card, take a look at these factors:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Annual fee<\/strong>: If the card charges an annual fee, compare your regular spending to the card\u2019s rewards and benefits to ensure the annual fee is worth it.<\/li>\n<li>\n<strong>Rewards<\/strong>: One of the best reasons to upgrade a card you already have is to start earning more rewards. Before you commit to sticking with the same card family, consider whether points and miles or cash back are a better fit for your spending.<\/li>\n<li>\n<strong>Benefits<\/strong>: On top of rewards, you\u2019ll want to look at the new card\u2019s benefits, which can add value and help offset the annual fee. For example, higher-tier travel cards often come with travel credits, lounge access and more. Cash back cards may offer discounts with partner brands and purchase protection.<\/li>\n<li>\n<strong>APR<\/strong>: Many credit cards from the same issuer have similar APR ranges. Hopefully, you won\u2019t carry a balance. But just in case, ask your issuer if the new card\u2019s APR will change.<\/li>\n<\/ul>\n<h2 id=\"old\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What to do with your old credit card\" data-outcome=\"\">What to do with your old credit card<\/h2>\n<p>Once your previous card is void, you can do what you would with any old or expired credit card \u2014 cut it up with scissors or use a paper shredder. That way, thieves can\u2019t steal the card number.<\/p>\n<p>If it\u2019s a metal card, the most responsible route is to send it back to the issuer. They should provide you with a return envelope, or you can drop it off at your local branch.<\/p>\n<h2 data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"The bottom line\" data-outcome=\"\">The bottom line<\/h2>\n<p>If you have good credit and a positive history with your issuer, upgrading your current card can be simple. Before you start, do the research to find the right card for your spending \u2014 and decide whether that\u2019s one you\u2019re eligible to upgrade to.<\/p>\n<p>However, there are a number of issuers and cards to choose from, so you don\u2019t have to limit yourself to staying with the same issuer. Another card\u2019s rewards, benefits and welcome bonus might be a better fit for your spending. Bankrate\u2019s CardMatch<strong>\u2122<\/strong> tool can help you find and get prequalified for the right card for you.<\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"TUl4PzTv4i\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. 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Icon<\/default:title><default:path d=\"M13.165 2.175c.322 0 .57.022.774.065.796.161 1.43.624 1.85 1.345.71 1.216.722 3.067.023 5.499h.516c2.28 0 3.422 0 4.337.548a3.844 3.844 0 0 1 1.721 2.25c.29 1.032 0 2.13-.592 4.336l-.516 1.926c-.312 1.151-.484 1.786-.882 2.324a3.368 3.368 0 0 1-1.442 1.098c-.625.247-1.28.248-2.475.248l-.021.01h-4.595c-.42 0-.636 0-.84-.032a4.19 4.19 0 0 1-.635-.15c-.204-.065-.387-.162-.763-.355l-1.69-.856c-.014.034-.026.069-.043.102a2.334 2.334 0 0 1-1.044 1.044c-.495.247-1.012.248-1.948.248h-.161c-.936 0-1.453 0-1.947-.248a2.333 2.333 0 0 1-1.044-1.044C1.5 20.038 1.5 19.52 1.5 18.585v-7.683c0-.936 0-1.452.248-1.947A2.387 2.387 0 0 1 2.792 7.91c.494-.248 1.01-.247 1.947-.247h.16c.937 0 1.454 0 1.95.247.353.177.653.44.875.763.64-.606 1.788-2.184 3.31-5.142.183-.366.312-.603.538-.819.193-.193.462-.355.72-.441.302-.097.539-.097.873-.097ZM4.739 9.288c-.624 0-1.076 0-1.227.076a.721.721 0 0 0-.323.322c-.075.15-.075.603-.075 1.216v7.683c0 .624 0 1.076.075 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href=\"https:\/\/www.bankrate.com\/credit-cards\/issuers\/upgrade-credit-cards-same-issuer\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Joe Raedle\/Staff\/Getty Images Key takeaways Upgrading your credit card with the same issuer is a way to get better perks without a hard inquiry on your credit report, although you might miss out on a welcome bonus. To upgrade a credit card, contact your card issuer and consider negotiating perks like a higher credit limit<\/p>\n","protected":false},"author":1,"featured_media":22420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-22419","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How To Upgrade Credit Cards With The Same Issuer | BudgetADirect<\/title>\n<meta name=\"description\" content=\"Joe Raedle\/Staff\/Getty Images Key takeaways Upgrading your credit card with the same issuer is a way to get better perks without a hard inquiry on your\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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