{"schemaVersion":"1.0","generatedAt":"2026-09-22T12:27:26.839Z","description":"Verified credit-card product-change (downgrade) paths and issuer fee-refund windows, each sourced directly from the issuer’s own page or a reputable secondary source. A card not listed has not been checked, not confirmed to have no downgrade option.","attribution":{"name":"SwitchWize","url":"https://www.switchwize.com","requiredText":"SwitchWize (switchwize.com)"},"asOf":"2026-09-11T10:11:38.009Z","downgradePathCount":7,"downgradePaths":[{"fromCardId":"capital-one:venture-rewards","toCardId":null,"toCardName":"Capital One VentureOne Rewards","description":"Capital One’s own product-change explainer names this exact downgrade pair directly, describing a product change as swapping to a different card from the same issuer while the existing credit line and account/card number typically carry over.","confidence":"high","sourceUrl":"https://www.capitalone.com/learn-grow/money-management/credit-card-product-change/","verifiedAt":"2026-09-11 02:05:34.831599+00"},{"fromCardId":"capital-one:venture-x-rewards","toCardId":"capital-one:venture-rewards","toCardName":"Capital One Venture Rewards","description":"Capital One’s own page names \"Venture to Venture X\" as a real, documented product-change pair and defines a product change as a same-issuer card swap (implying the relationship works in both directions), but the specific Venture X to Venture downgrade direction is not independently stated on the page -- confidence reflects that this is a reasonable but not directly confirmed inference from a first-party-named pair, not a directly quoted downgrade instruction.","confidence":"medium","sourceUrl":"https://www.capitalone.com/learn-grow/money-management/credit-card-product-change/","verifiedAt":"2026-09-11 02:05:34.862881+00"},{"fromCardId":"chase:sapphire-reserve","toCardId":"chase:sapphire-preferred","toCardName":"Chase Sapphire Preferred","description":"Widely reported as the standard product-change downgrade target for Sapphire Reserve cardholders. Chase’s own site confirms the product-change mechanism exists between these two cards (documented in the upgrade direction, Preferred to Reserve) and that a product change does not trigger a new welcome bonus; the specific downgrade direction is confirmed here by a reputable secondary source, not chase.com directly.","confidence":"medium","sourceUrl":"https://www.fool.com/money/credit-cards/chase/guides/should-you-downgrade-your-chase-sapphire-reserve-card-heres-how-to-decide/","verifiedAt":"2026-09-11 02:05:34.783478+00"},{"fromCardId":"chase:united-club-infinite","toCardId":null,"toCardName":"Chase United Gateway","description":"Chase’s own general downgrade-education page confirms the product-change mechanism exists but names no specific card pairs; the United Club Infinite to United Gateway pairing specifically is confirmed by Doctor of Credit.","confidence":"medium","sourceUrl":"https://www.doctorofcredit.com/chase-united-product-changes-are-back/","verifiedAt":"2026-09-11 10:09:55.066462+00"},{"fromCardId":"citi:strata-premier-card","toCardId":null,"toCardName":"Citi Strata","description":"Citi’s own site (its \"How to Upgrade Your Credit Card\" and related pages) was checked directly and confirmed generic, naming no specific card pairs. This pairing is confirmed by The Points Guy.","confidence":"medium","sourceUrl":"https://thepointsguy.com/credit-cards/downgrade-citi-premier-to-citi-strata","verifiedAt":"2026-09-11 10:09:55.089885+00"},{"fromCardId":"chase:ink-business-preferred","toCardId":null,"toCardName":"Chase Ink Business Unlimited","description":"Reported as the second of two standard no-fee product-change targets for Ink Business Preferred cardholders, from the same source and quote as the Ink Business Cash row.","confidence":"medium","sourceUrl":"https://onemileatatime.com/insights/chase-ink-preferred-downgrade/","verifiedAt":"2026-09-11 10:11:38.009953+00"},{"fromCardId":"chase:ink-business-preferred","toCardId":null,"toCardName":"Chase Ink Business Cash","description":"Reported as one of two standard no-fee product-change targets for Ink Business Preferred cardholders. Chase’s own Ink Business Preferred vs. Ink Business Unlimited comparison page does not itself address product changes between the two.","confidence":"medium","sourceUrl":"https://onemileatatime.com/insights/chase-ink-preferred-downgrade/","verifiedAt":"2026-09-11 10:09:54.999618+00"}],"feeRefundWindows":[{"issuerId":"bofa","description":"Reported as one statement period after the annual fee posts, contingent on an on-time payment history -- a softer, less absolute policy than the flat day-count windows reported for other issuers. Not independently re-confirmed on bankofamerica.com this pass; verify directly with Bank of America before relying on it.","confidence":"medium","sourceUrl":"https://www.doctorofcredit.com/annual-fee-refund-rules-for-each-card-issuer/","verifiedAt":"2026-09-11 10:09:55.132464+00"},{"issuerId":"capitalone","description":"Reported window of 30 days or one statement cycle after the annual fee posts to cancel and receive a refund. Reporting on this issuer is described as inconsistent in practice; not independently re-confirmed on capitalone.com this pass -- verify directly with Capital One before relying on it.","confidence":"medium","sourceUrl":"https://www.doctorofcredit.com/annual-fee-refund-rules-for-each-card-issuer/","verifiedAt":"2026-09-11 02:05:34.966265+00"},{"issuerId":"chase","description":"30 calendar days from the date the annual fee is billed to cancel or downgrade and receive a full refund. Not independently re-confirmed on chase.com this pass; verify directly with Chase before relying on it, since refund policies can change without notice.","confidence":"medium","sourceUrl":"https://www.doctorofcredit.com/annual-fee-refund-rules-for-each-card-issuer/","verifiedAt":"2026-09-11 02:05:34.907536+00"},{"issuerId":"citi","description":"30 calendar days from the date the annual fee posts to cancel and receive a full refund. Not independently re-confirmed on citi.com this pass; verify directly with Citi before relying on it.","confidence":"medium","sourceUrl":"https://www.doctorofcredit.com/annual-fee-refund-rules-for-each-card-issuer/","verifiedAt":"2026-09-11 10:09:55.112965+00"},{"issuerId":"usbcards","description":"30 calendar days from the date the annual fee posts to cancel and receive a full refund. Not independently re-confirmed on usbank.com this pass; verify directly with U.S. Bank before relying on it.","confidence":"medium","sourceUrl":"https://www.doctorofcredit.com/annual-fee-refund-rules-for-each-card-issuer/","verifiedAt":"2026-09-11 10:09:55.155487+00"}]}