Changing One Card Type to Another

[Anonymous]

I've seen several times on different finance related websites of people changing from one card type to another, say from a Visa with no rewards to a Visa card with rewards, without having to close the current account.  How does one do this?

I just turned 23 and have decent credit (according to CreditKarma, a 735)  I have 2 cards.  A Bank of America Student Platinum Plus card and an Amazon Rewards card.

The BoA card initially had a limit of $750 5 years ago when I was 18.  Shortly after opening, they raised it to $1200, which it was at since then.   I opened an Amazon card last year, with a limit of $1000.   Several weeks ago, I called in to BoA to get a CLI increase for the card, to which they upped it to $4000.  I called Chase to do the same with my Amazon card, bu they wanted to do a hard pull so I declined.  I typically pay my card off in full every month.

I typically always use the Amazon card as I get rewards from it.  I hate owing money / using credit, but I figured since I almost always pay off the balance in full every month, I might as well get some money back by using a card.    Issue is, I get no rewards from my BoA card, which means I never use it.  I don't want the card to close from inactivity, so I use it every couple of months... but I want rewards, which brings me to my question:

People say you can switch cards.  Am I able to do this with my BoA card, without closing the account?   Right now, my BoA card is a Platinum Plus card.

[Guava]

You can call BofA and inquire about product change, to see if you're eligible to any

[Anonymous]

Product change!  That's what it's called, thanks!

Now to decide which card I'd go for...  Any benefit to doing the AMEX Accelerated Rwards card even though you only get 1.25% as opposed to 2/3%?

[thebanjoman]

Unless I'm mistaken, most product changes are only available within the same network within the same issuer (i.e. BOA Visa can only become a different BOA Visa, BOA MC a different BOA MC...)

[Anonymous]

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@thebanjoman wrote:

Unless I'm mistaken, most product changes are only available within the same network within the same issuer (i.e. BOA Visa can only become a different BOA Visa, BOA MC a different BOA MC...)

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I PC from a BankAmericard (visa) to an accelerated rewards (Amex)

[flyingmd]

I PC from Power Rewards VISA to accelrated rewards AMEX just last month. You may have to call a couple times to get a CSR to say yes to the PC you want. First time I called they said I couldnt change from VISA to AMEX. A month later and a different csr, they said no problem. Go figure! Good luck.