Chase Sapphire and Chase Sapphire Preferred® Card Comparison – Which One is Right For You?

by on May 31, 2012 · 68 comments

in Chase, Chase Sapphire Preferred, Credit Cards

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Update:  As of July 20, 2014, the Chase Sapphire Preferred Card no longer offers the 7% annual points dividend. View the current sign up offer here.

One of the best things about Chase Ultimate Rewards is the variety of cards through which you can earn points, and what you can use those points for. However, the numerous options, including multiple versions of the Ink Bold, the Chase Sapphire Preferred® Card and the Sapphire can also be confusing for some consumer, let alone how similar the names are.

So I thought I’d do a quick comparison of the cards, what kind of consumer each would be best for, the differences among the redemption opportunities on points earned by each card (the Ultimate Rewards points you earn aren’t the same!).

First, a side-by-side comparison.

Chase Sapphire Chase Sapphire Preferred® Card
Current Sign-up Bonus 10,000 Ultimate Rewards points when you spend $500 in 3 months 40,000 Ultimate Rewards points when you spend $3,000 in 3 months
Spending Bonuses 2x points per dollar spent at restaurants 2x points per dollar on restaurants and travel (including airfare, hotels, taxis, parking and more)
Other Spend 1 point per dollar on all other purchases 1 point per dollar on all other purchases. 7% bonus at the end of the year on all points accrued, including the sign-up bonus
Foreign Transaction Fee 3% No foreign transaction fee
Annual Fee No annual fee $0 for first year, then $95
Other Features Can use points for fixed-value travel, gift cards and statement credits- 1 cent per point maximum 25% bonus when redeeming points for travel through Ultimate Rewards
Loyalty Program Partners None, points must be redeemed at a fixed rate for travel, merchandise or statement credits (cash back) Airlines: British Airways, United, Korean Air, SouthwestHotels: Hyatt, Marriott, Ritz-Carlton, Priority ClubOther: Amtrak

So now let’s get into the details of what each of these differences means for you.

Sign-up bonus: The Chase Sapphire Preferred® Card wins in terms of sheer quantity (by a 4:1 ratio!) but remember, you have to hit that $3,000 spend within 3 months in order to get it whereas you get the Sapphire’s 10,000 points for spending just $500 within 3 months. The Chase Sapphire Preferred® Card bonus used to be 50,000 and the Sapphire 25,000, so it’s possible they could increase in the future, but I don’t anticipate any movement in the near future.

Spending bonuses: Here at least there’s a bit of parity when it comes to restaurant spending—you get 2x points on each card. However, where the Chase Sapphire Preferred® Card’s real value becomes evident is the fact that you also earn 2x points on travel - related spending including on airlines, hotels, subways and even taxis and parking fees. The Chase Sapphire Preferred® Card is much better for people who live in cities and spend a lot in those categories.

Other spend: Chase Sapphire Preferred® Card, since you get a 7% bonus on all spend. So an everyday purchase earns 1.07 points per dollar (2.14 for the 2x categories) vs 1 with the regular Sapphire.

Foreign transaction fees: The Sapphire levies 3% which essentially negates the value of any points accrued, while the Sapphire Preferred has no foreign transaction fees. I tend to travel abroad a lot, so this is a consideration for me, but if you’re not planning on using the card outside the US, this might not matter so much to you.

Annual fee: The Sapphire card charges no annual fee, while the Chase Sapphire Preferred® Card has a $95 annual fee, though it’s waived for the first year.

Other features: Here the Chase Sapphire Preferred® Card pulls into the lead. You can use points you earn with the Sapphire card to redeem for travel at a fixed rate of 1 cent per point and you can also get statement credits at this rate. On the other hand, the Chase Sapphire Preferred® Card card nets you 1.25 cents per point, a 25% bonus when redeeming for airfare, hotel, car and cruises.  In addition, the Chase Sapphire Preferred® Card offers a 7% annual points dividend, which extends both to the sign-up bonus as well as to points you earned but might already have transferred or redeemed. Basically, any points you earn during the year, whether you’ve used them already or not, are factored into that 7%.

Partners: The Chase Sapphire Preferred® Card again wins here since Ultimate Rewards points earned with a Sapphire card cannot be transferred to partners, and may only be used for fixed-value travel and merchandise redemptions as well as statement credits. Ultimate Rewards points earned on the Chase Sapphire Preferred® Card card, however, can be transferred to United (Star Alliance awards, including one ways and low fees) British Airways (great for short haul awards on Oneworld partners like American Airlines), Southwest (Wanna Get Away fares), Korean (SkyTeam awards, like Delta), Hyatt (22,000 points for award nights at top tier Park Hyatts around the world), Priority Club (Pointbreak hotels), Marriott, Ritz-Carlton and Amtrak.

So, which card is best for whom?

Sapphire: If you don’t take advantage of the bonus spend categories and you spend less than $592 a month and don’t need to use the card abroad, this card is for you. If you spend more than that monthly amount, then the 7% bonus and 25% increase in the value of the points would make up for the annual fee of the Chase Sapphire Preferred® Card. ($7,102 spend would earn 7,102 points x 1.07% for the annual dividend = 7,599 points at 1.25 cents a piece = $95). Another consideration is that the Sapphire is easier to get than the Chase Sapphire Preferred® Card, which is a more of a premium credit card.That being said, for someone looking to build credit with an intro card, I still think the Freedom is a smarter play – no annual fee and rotating 5x spend categories. Plus, you won’t have to worry about foregoing the Sapphire Preferred sign-up bonus when you decide to apply for it down the road.

Sapphire Preferred: If your ultimate goal is fantastic travel opportunities rather than cash back or statement credits, then the Chase Sapphire Preferred® Card is the card for you (and my all around favorite travel credit card). That being said, I don’t put all of my spend on the Chase Sapphire Preferred® Card - I put dining and travel (excluding airfare) and then the rest of everyday spend on my Freedom card, which gives a 10% bonus on all purchases plus a 10-point-per-transaction bonus since I’m a Chase Checking customer (read all about that feature here). However, if you are looking to get into travel point collecting, the Chase Sapphire Preferred® Card is a strong way to start out, since the 40,000 point sign-up bonus is higher than what most competing card products have and the Chase Ultimate Rewards program is great for topping up your transfer partner accounts, like United and Hyatt.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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  • Matt C

    I’m waiting to pull the trigger on the SP but I want to see if that sign-up bonus will go up to at least back to 50K. Last year around this time is when the targeted 100K offer was released — with non targeted being able to send a PM to Chase for the difference. Do you have any inside knowledge on the possibility of the 40K bonus increasing?

  • Grant

    I got a letter in the mail for the 50k sign up bonus for the regular sapphire card a few months ago and was my dedicated restaurant card until I got the citi forward card that gets you 5 points per dollar at restaurants. The good thing about the chase UR points is that you can transfer them to other chase cards like the ink bold biz card which gets you better rewards.

  • SAS

    Are the Sapphire points transferable to other cardholders (ie, your wife’s SP card)? I believe Freedom card’s UR points are transferable to 3rd party SP cards.

  • Mark

    I think your logic on the annual fee and the 7% bonus are a little off. In order to make up the annual fee you would need to spend more like $30,000 in a year. You need to make up the $95 and then catch back up to the Sapphire at 1%.

    $30000 * .01 = $300
    $30000 * 1.07 = 32,100 * .0125 = $401 – $95 = $306

    That being said I think to do this right you need to have one Chase card that you can use to transfer with either the Sapphire Preferred or the Ink Bold. I will have to make the decision which one to keep later this year. But I think the best option is to get the Preferred at a time when your bonus will post and get the 7% then evaluate the following year if having the ability to transfer is worth the fee. $30,000 spend on one card could probably be better spent spread out over multiple cards. But the $95 fee to be able to transfer points can be made up in one hotel stay or reward flight. It depends how you plan on using your points. Just a thought.

  • PJ

    No brainer for me to choose Preferred . Of course it iwas OK to get regular as well when CHase was giving huge sign on bonus on BOTH
    I convert Ultimate Rewards from 2 Freedom cards to United miles through Sapphire Preferred. I value each Ultimate Reward points under Sapphire is worth at least 1.50cents . Each year with 2 freedom cards I accumulate more than 50 K on my 5% bonus spending plus any 1 % rebate item AND AMEX is NOT welcome ( otherwise AMEX SPG).

  • MrShush

    I got a targeted 40,000 point offer with no minimum spend (first purchase) and AF waived for the first year about 2 weeks ago. It was the CSP.

  • thepointsguy

    I think we may be taking different approaches, because I don’t quite understand your math either. But I do get your overall opinion that the breakeven point for the annual fee doesn’t mean its the point where its more valuable.

    Even after the fee is “earned” off, someone would still be better with Sapphire because they’d have been earning points that entire time. So let me re-think this and get back to you!

  • thepointsguy


  • thepointsguy

    Correct- if you have a Preferred/Bold or know someone that does, you can transfer your regular Sapphire points to them to make them more valuable.

  • thepointsguy

    Yea, I’m not sure how it will go, but there are certainly enough other solid Chase cards out there to get while you wait!

  • PJ

    40K is still awesome I would love to have this 40K again over the 50K from Citi Thanks You Premier which is the card with signon bonus I am working on . I will be shcoked they moved up the sign on bonus again. Do you know you might be also tragteted to get 50K united miles with 1st purchase and 5K more with an AU ?

    A few college classmates of mine and their spouses are now back to China /Taiwan on free United flights for the 40 years college graduation reunion. They took cues from me to apply2 Chase Freedom cards 2 Sapphipre Preferred plus opening 2 chase checking caccounts. Each family net about 160K united miles and ~350 taxable checking account signon bonus.

    I myself just had a great South America trip though Brazil Argentina and Chile . Chase and Amex were the generous sponsors on my free Sheraton Hyatt free nights and next to free flights.

  • Mark

    If you have to “use” 7,600 points at .0125 to make up for the annual fee of $95. You essentially start out that far behing -7,600. It takes a lot of spending to make that up at the slightly higher earning .07 and burning .0125 rates.

    That being said I certainly made up my annual fee on a one night stay at the Park Hyatt Chicago.

  • John Cheever

    Is there a way to get the minimum spend waived?

  • Matt C

    I actually want this card for both the points and to use. I travel abroad and want to have a card with the No Foreign Transaction fees, and the 2x points are better for me on travel/dining than office supplies (hence I don’t want the Chase Ink Bold).

    On my United page it says that I can get the Chase card with the 60K bonus — but having signed up for the 2 SW Cards earlier this year, and my inevitable signup for SP I dont think adding a 4th is in my best interest. but I’m open to suggestions.

  • Mike

    Mark is right. If you spend $592 a month then you are just paying off the annual fee. You may as well have a no fee card with no rewards at all. For the Preferred to be better than the non-Preferred you would need to spend nearly $30k per year. That assumes none of the spending is on travel and that the values are $0.01/point and $0.0125/point as used in the post.

  • Maury

    TPG: So you are saying that it is worth paying the $95 annual fee to keep the preferred card, right? I mainly use it for transferring points to partners. Does Chase give a retention bonus when the fee comes up?

  • Netactor

    Don’t forget the sign-up bonus. That 30,000 UR points difference alone will take care of at least 4 years of annual fee.

  • Netactor

    People who can’t decide which card to apply could just get the Sapphire Preferred card first, then when it gets into the sixth year (1st year no fee + 4 years covered by the 30,000 UR points difference), downgrade it to the regular Sapphire. Nothing to lose in this case.

  • Laura

    I just got an email from United on May 29th for the 50K with first purchase, 5k with authorized user purchase, and additional 10k if 25k spend in a year.

    I also signed up for the SW visa and Sapphire Pref this year (both Chase), so am wondering if I’d have any problems getting the united card.

  • Mark

    Yea, but in order to make the whole points earning scheme worthwile you have to use the signup bonus on high value travel not paying your annual fee. If you are not you might as well have a simple no fee cash back card. You can’t earn a ton of points beyond the bonus on the Sapphire Preferred unless you have a lot of diningtravel purchases. I think signing up for the fee card is a no brainer. But keeping it may be a different discussion. One that will probably be discussed at length in the comming months as everyone is having that debate. That said you certainly need to knowtrust someone who does have a Preferred or Ink so they can transfer points to travel partners for you. This is really the only way to make your points worth $.02 or more and outperform a cash back card.

  • LauraPDX

    Does anyone know if you get the 7% bonus on the sapphire preferred card if you transfer your UR points from the Ink bold card? And how are the UR points better on the Ink Bold (for travel redemptions?). Thanks.

  • PJ

    not to worry: I normally pace out : 1 new card about every 2 months. Since may 2011, I got BA in may Southwest and Hyatt same day in mid August, turned in my BA to get Sapphire Preferred in November no chance for the Mariott I applied at the same time . went in again for United in mid Feb and waiting to get another card ( possilbe Fiarmont before end of july) Some of my friends also get approvals back to back on Sapphire Preferred and United card.. nice also to know your credit score through the score Chase and Bank of American look at

  • Cory

    I am a bit torn on what to do about my UR cards going forward. I think that the Ink Bold has as good a points earning potential as anything I have seen, based on how I use it. I will have to decide whether to hang onto the Sapphire Preferred before I have to decide on keeping Ink Bold. Probably don’t want to keep them both, though we’ll see how it works out.

    I will do some legwork on this. I love my Sapphire Preferred, and Ultimate Rewards is dominating my spending since I received the Sapphire Preferred. But, if the Ink Bold proves more lucrative I’d be a fool to keep the Sapphire Preferred unless it has other benefits the Ink does not.

  • PJ

    DONT BE SHY; my soninlaw got SP and United back to back . Inkbold is separate from SP . if you can handle SPENDs ship them all in

  • PJ

    I let out my old old Chase Visa and Master cards with the old day $100 singon bonus and I am still very happy with it

  • icedbergs

    I applied for the regular Sapphire, not realizing I can’t transfer the points to airlines. Any suggestions on how to upgrade to the Preferred and still get the sign on bonus?

  • Jon S

    Let me make sure I follow… if someone ELSE has a UR card that does not allow transfers, they can still move those points to me with my CSP and I can transfer them?

    Pretty cool if yes… since the CSP can transfer to ANYONE’s FF accounts, basically I can use my card to help anyone with the regular SP or Freedom card turn their points into miles.

  • PJ

    it was possible that you can get BOTH cards with one mame.
    I was not targeted but the 50K came in with my first purchase; However I did spend more than 3K .
    CHase is OK with us buying AMEX gift cards with SP to meet the SPEND. I would bet we are all going to be around long enough to use amex gift card at only ” AMEXCARD WELCOME” try to buy AMEX gift cards on I think AMEX is waving activation fees now and /or FREE shipping fees codes are all around ; just google it.

    Do you know Chase UR points are tradable well over 1.50 cents especially on 100K+ clip?

    I have been telling friends to apply SP and Freedom cards and Open Chase Total checking and stand ready to buy their points ( small of large) at %1.50 cents. so far many friends applied but NONE hit my bid on points .

  • BA bound

    I was thinking about getting this Sapphire Preferred AND the Visa Hyatt because I am planning a trip to Buenos Aires and I could stay for 4 nights at the Hyatt there for free. It would take 44k points to stay for 2 nights (40k coming with the SP bonus) and I would get 2 nights after first purchase with the Visa Hyatt. Thoughts?

  • StockShooterSoBe

    If one has both, Sapphire (regular) points can be transferred to Sapphire Preferred.

  • Phoebe

    Thanks Points Guy! I got the Sapphire Preferred and have spent the $3,000 requirement. What I learned is that I can book the trip and pay myself back with points. I never knew about this until I started reading your blog. I am using my points for 2 nights at the Hilton in Sedona and my Avios points for the flight. The tip to use expert was great. I never would have been able to take a vacation otherwise!

  • sammyk

    we now have ink and sapphire preferred. seems like we need to keep them under separate login ids, right? that is a bit clunky.

  • GH83

    If I cancel the Preferred card before the annual fee is due, will the Ultimate Reward Points remain in my account or should I transfer them to, say, Hyatt?

    I’d like to keep adding to my ultimate rewards balance with other cards (freedom, sapphire, etc) but I’m not sure I can spend enough to make up the CSP fee. Would I need to get an Ink Bold before canceling the Preferred card to keep the points without having to transfer them to a partner?

  • Morning Calm

    Good deal. I’ve been working on a 50,000-point offer but with a $3,000 spend minimum. Plan on charging some plane tickets to hit the spend minimum.

  • thepointsguy

    You can have them all under one login- I have all of my chase accounts (7 credit cards and multiple checking) a under one

  • 4n6

    I just upgraded from the CS to CSP, mostly to take advantage of the ability to transfer points directly into United. I know that CSP has 2x points for travel but I was wondering if I could book airfare and hotels through the Ultimate Rewards website and also receive the 1 additional point per dollar on top of the 2x travel points? Wouldn’t this then effectively mean one could earn 3x points for travel that was booked through Ultimate Rewards? Or does the UR travel website not count as a 2x travel so the 1 extra bonus point is still only getting you a total of 2 points (1 base point + 1 bonus point)?

  • thepointsguy

    You get an additional point booking through the portal so 3x. Note: you may be able to book through other vendors, like Travelocity- for even more bonus points

  • 4n6

    Follow up to my last post. I just realized that you could also link to several travel websites through UR such as expedia, travelocity, hotwire, or priceline and receive 1 or even 2 extra pts per dollar. Wouldn’t this be another way to get 3x or even 4x points per dollar for travel?

  • Yehuda

    I had the same concern as Mark initially. It would seem you would need to spend $28,148 annually to break even.
    However, a key factor I realized is the 2x travel rewards that are only on the preferred card.That would mean your point total for travel is 2.07 times the amount spent. That comes out to about 5984 dollars annually spent on travel to break even. Using Mike’s math:
    $5984 * .01 = $59.84

    $5984 * 2.07 = 12386.88 * 0.0125 = $154.83 – 95 = $59.83

    If you fly enough, especially business/first or internationally, as well as other travel expenses (chase’s definition is very broad), it’s not at all unfeasible to spend 6000 a year on travel.

    Is that correct, Thepointsguy?

  • Steve

    Is there any way to get the Chase perferred 50k bonus? Is there a Chase mailing or somewhere on the UAL website? I”ve flown a lot this year so I thought this card would help me take advantage of all my travels. I think I’was just over 150k traveled miles by the end of May- 6 trips to India helps.

  • Efrem

    As a long time Chase/Washington Mututal customer in Seattle, I was offered the Sapphire Preferred card with 70,000 points and all the other benefits. I took it.

  • Sudeep Rohatgi

    I just applied for the CSP credit card and got an “instant approval.” However, in the approval dialog, it says “Congratulations, you’ve been approved for the CHASE SAPPHIRE credit card!” What happened to the preferred part? There is a graphic at the top on both the application page and approval page that shows the CSP with the 40k bonus points dialog. Any thoughts?

  • thepointsguy

    I wouldn’t worry about it! You can always call Chase to confirm, but I see no reason to worry

  • thepointsguy

    That was an incredible offer!

  • thepointsguy

    Correct- going through portals can rack up the points even quicker- even gives extra points via the portal

  • Maria Giannetti

    I applied for CSP card and was accepted early June 2012, was I automatically signed in for all the bonuses offered when using my card?

    Thanks M/G

  • Helloworld

    The 10% bonus for chase checking has an opportunity cost: you have to carry a $1500 avg daily balance at ~0% interest. Also if you ever drop below, you’ll be charged with fees.

  • Youknowme28

    hi, if i have the regular chase sapphire card, can i apply for the preferred card and still obtain the signup bonus?

  • Mike

    Do purchases for cruises count as travel realted and get the 2X bonus?

  • thepointsguy


  • jj14x

    First of all, thank you for this comparison. I’ve been trying to figure out which of these to get, and this article has been helpful!

    I’m a little confused by the “Deciding” section though – you indicated that if one spends more than $592 a month, the 7% bonus plus the 25% increase in points value makes up for the charge.

    Let’s say I spend $1000 a month. If I got the regular Sapphire, I get 12000 points a year. If I have the Sapphire preferred, I get 12000 + 840 (7%) = 12840. In other words, I get 840 more points. When redeeming on ultimate rewards, these points translate to 1.25 cents each, so $10.50 (far less than the $95 annual fee)

    I think you were trying to see if the points earned on Sapphire preferred would cover the annual fee, and yes, it does. But compared to the fee-free Sapphire, does the same level of spending on Sapphire vs preferred justify the additional $95 annual fee? At $1000 a month spending, no.

    (or am I overlooking something obvious?)

    I’m just trying to figure out whether I can justify getting the preferred card. Thanks :)

  • simona

    I have the plain jane “Sapphire” card that I don’t use much, that has over 25K points on it, that would make more sense to transfer to miles. Is it possible to get the Sapphire Preferred and merge the points into that and then transfer the whole shebank out to United miles?

  • thepointsguy

    Yes- if you get the Sapphire Preferred you will be able to transfer all of your “plain jane” points into your Sapphire Preferred account and then transfer onto partners like United and Hyatt. Here is the Sapphire Preferred link with 40,000 bonus point offer after $3,000 spent within the first 3 months

  • The Points Guy

    Yes, that’s a great way to combine points. Open a premium card like the Sapphire Preferred, transfer the Ultimate Rewards points from your Sapphire account to it and then transfer those to one of the travel partners. You can find the Sapphire Preferred application here:

  • Bertrichardson1

    Would transferring $3,000 from another Chase card (Freedom) -since I have upgraded and will now be closing that card be considered in the $3,000 spending in the first three months?

  • Bertrichardson1

    I upgraded to the Chase Sapphire Preferred…

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  • TheUnwiseOne

    Everyone is correct; you, Mark, and TPS poster is correct.

    Let me clarify. None of these calculations take the bonus offers into play since we are assuming long term, 2nd year and after.

    1.) You are correct in saying that nearly $30k needs to be spent to break even IF and only IF a straight 1% or $0.01 per dollar spent is given back after factoring in the 7% dividend and 25% bonus in the rewards mall for NON-TRAVEL expenses. (I’m just repeating what you said for others who don’t follow, bare with me.)

    2.) TPS poster is also correct in saying to break even, you will need to spend $592 a month ($7104 a year) on “TRAVEL” ALONE, not including restaurants since both cards get the 2x points for restaurants. You are getting 2x points for TRAVEL; therefore, basically you are gaining an extra 1x point on “TRAVEL” for the Preferred since the Regular Sapphire will reward you with 1x point alone (due to all “other” purchases gain 1x point on both cards). So to cover your $95 annual fee, you will need to spend

    $9,500 (9500 points)..extra 1x point for Preferred “TRAVEL”
    - 7% dividend ($9,500/1.07 = $8,878.505)
    - 25% with purchase through rewards mall ($8,878.505/1.25 = $7,102.804)
    This is how we arrived at $7,102 or $592($7,102/12) a month.

    Of course none of these calculations take into consideration the benefits of Preferred like points transfer (getting more points when transferring to a partner). Or the bonus points you will earn through the Chase Ultimate Rewards Mall affiliate program (Preferred gets better extra $/points per purchase than Regular Sapphire). This will bring the $7,102 break-point even lower!

    Deciding which card to get depends on how much you plan on spending each year. The TPS poster has given everyone the conservative, worst-case break even point.

    On a side note: you should not use your introductory bonus points to try and pay for the annual fee. Many people are suggesting giving Preferred a test run as it will pay for itself with the bonus points in four years.

    However if you went with the Regular Sapphire card for four years, you would not be at break even, you would be at a positive amount (bonus points).

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  • Stace

    If someone has the saphire card, can they apply for the preferred version and still get the sign up bonus

  • thepointsguy


  • thepointsguy

    Yea, the 40k signup bonus makes the Sapphire Preferred a no-brainer.. over 4 years worth of annual fees covered plus better card benefits

  • thepointsguy


  • Iola

    Did you say you don’t use Sapphire Preferred for airfare purchases? Why is that?

  • Johnny

    I just called in and they said because I’m upgrading from Sapphire to Sapphire Preferred, I do not get a bonus.

    So is there really a bonus for the upgrade?

  • DJ

    I applied for the Sapphire last week and was approved! I meant to apply for the Preffered! So I called Chase and they made me reapply for the preffered! I was approved again! So now I have two cards in the mail coming my way! Can I activate both of them?

  • SG

    I have one doubt; I applied for a Chase Sapphire Preferred and got it approved. When I called up the customer care, they said I have to spend $3000 before November 30. So, if I make the purchase on 30th, is that good enough (which might ‘Posted’ couple of days later)? Or is it necessary that $3000 transactions should be ‘posted’ on or before November 30? I was thinking about the Black Friday purchases which might take couple of days to get posted.

    Thanks for your guidance~

  • truethy

    you cannot transfer, you have to cancel and sign up for the new card

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