Credit card “swap” with wife

Rewards Strategy

Hi all, I just saw that chase ended their 48 month rule last year. I am trying to take advantage of this by doing the following:

DOWNGRADE my CSP to a freedom unlimited DOWNGRADE my wife’s CSR to CSP

After doing that, I plan on applying for the CSR which I have never done. Which should end with my wife having a CSP, and me having a CSR and freedom unlimited.

Before doing this I just wanted to see with the new rule switch if this will qualify me for the welcome bonus. Has anyone doing anything like this? Any way I can also take advantage of a referral from my wife for the new CSR?

Posted Jan 3, 2026, 7:50 PM UTC

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