Chase Now Allows Product Change Freedom Visa Card (OG) To Freedom Flex Mastercard

Chase is now allowing a product change from the original Freedom card which is a Visa to a Freedom Flex card which is a Mastercard. Last year they stopped allowing the change from Visa to Mastercard, but in the past few days they’ve started allowing it again. 

Freedom Flex is better due to the 3x Dining and Drugstore category. Specifically, some people might now be nudged to change their original Freedom to a Freedom Flex if they’re planning on using the card for Dining during Q4 2026 for the 5x category – the Freedom Flex always gets a bonus 2x on Dining (3x total), and so during Q4 2026 it’ll be 7x (1x base + 4x category bonus + 2x Dining bonus).

A number of points to note:

1. You need to call in to do the product change; secure message does not work.
2. Even if you have an existing Freedom Flex card, you can product change your OG Freedom Visa to become a Freedom Flex Mastercard. There’s no limit to how many Freedom Flex cards you can have. 
3. Some people might have other reasons blocking the product change ability, e.g. card might have to be active for one year before doing a product change or possibly other exclusions. 
4. You can also change a Sapphire Visa (no-fee, basic version) to become a Freedom Flex Mastercard. 
5. You can also change a Freedom Unlimited Visa to become a Freedom Flex Mastercard.
6. You still can’t change a Sapphire (basic/CSR/CSP) card to a Freedom Flex – you’ll have to change it to the original Freedom card since both are Visa. Presumably, after converting to the original Freedom, you’ll then be able to process a separate conversion from the original Freedom to the Freedom Flex. 
7. We don’t yet know if you can upgrade a Freedom Flex Mastercard to become a Sapphire Preferred Visa card or Sapphire Reserve Visa card.  
8. When product changing a Freedom Visa to a Freedom Flex Mastercard, you’ll obviously get a new card with new card numbers, but it should not be reported on your credit report as a new card – the history should remain the same. And so it should not affect 5/24.
9. When product changing your Freedom Visa to a Freedom Flex Mastercard, you won’t lose any points or pending points.

For context: Freedom Flex is the only Chase Ultimate Rewards card which runs on Mastercard. The original Freedom is a Visa and is called in the Chase system ‘Freedom with Ultimate Rewards’. It’s the same as the Freedom Flex minus a few benefits which were added when they created the Freedom Flex years back. The OG Freedom card is no longer available for applications. Some people still have it from years back or from a product change.

Some people like the OG Freedom for Costco and Costco gas station since it’s a Visa, but otherwise the Flex version is superior in every way.