Credit card downgrade paths

Do not cancel — downgrade. 50 annual-fee cards and the 83 lower-fee siblings they can normally be product-changed into, with what each move saves and what it costs you in earn rate and credits. Keeping the account keeps its age and its credit line; closing it throws both away.

Maintained reference data · as of 2026-09 · updated 2026-09-16

Product changes are granted at the issuer's discretion and the rules change without notice. A downgrade normally keeps your account age and credit line but is not guaranteed, may not be offered on your account, and can forfeit unused statement credits or an unearned welcome bonus. Confirm with the issuer before you act — this is maintained reference data, not a live feed.

American Express

The Business Platinum Card from American Express · $895/yr
→ Blue Business Plus Credit Card, American Express Business Green Rewards Card, American Express Business Gold Card · saves up to $895/yr
The Platinum Card from American Express · $895/yr
→ Blue Cash Everyday Card from American Express, American Express Gold Card · saves up to $895/yr
Delta SkyMiles® Reserve American Express Card · $650/yr
→ Delta SkyMiles® Blue American Express Card, Delta SkyMiles® Gold American Express Card, Delta SkyMiles® Platinum American Express Card · saves up to $650/yr
Delta SkyMiles® Reserve Business American Express Card · $650/yr
→ Delta SkyMiles® Gold Business American Express Card, Delta SkyMiles® Platinum Business American Express Card · saves up to $500/yr
Marriott Bonvoy Brilliant American Express Card · $650/yr
→ Marriott Bonvoy Bevy American Express Card · saves up to $400/yr
Hilton Honors American Express Aspire Card · $550/yr
→ Hilton Honors American Express Card, Hilton Honors American Express Surpass Card · saves up to $550/yr
American Express Business Gold Card · $375/yr
→ Blue Business Plus Credit Card, American Express Business Green Rewards Card · saves up to $375/yr
Delta SkyMiles® Platinum American Express Card · $350/yr
→ Delta SkyMiles® Blue American Express Card, Delta SkyMiles® Gold American Express Card · saves up to $350/yr
Delta SkyMiles® Platinum Business American Express Card · $350/yr
→ Delta SkyMiles® Gold Business American Express Card · saves up to $200/yr
American Express Gold Card · $325/yr
→ Blue Cash Everyday Card from American Express · saves up to $325/yr
Delta SkyMiles® Gold American Express Card · $150/yr
→ Delta SkyMiles® Blue American Express Card · saves up to $150/yr
Hilton Honors American Express Surpass Card · $150/yr
→ Hilton Honors American Express Card · saves up to $150/yr
American Express Business Green Rewards Card · $95/yr
→ Blue Business Plus Credit Card, Blue Business Cash Card · saves up to $95/yr
Blue Cash Preferred Card from American Express · $95/yr
→ Blue Cash Everyday Card from American Express · saves up to $95/yr

Bank of America

Bank of America Premium Rewards Elite · $550/yr
→ Bank of America Travel Rewards, Bank of America Customized Cash Rewards, Bank of America Unlimited Cash Rewards, Bank of America Premium Rewards · saves up to $550/yr
Bank of America Atmos Rewards Summit Visa Infinite · $395/yr
→ Bank of America Alaska Airlines Visa Signature (Atmos Rewards Ascent) · saves up to $300/yr
Royal ONE Plus Visa Signature · $99/yr
→ Royal ONE Visa Signature · saves up to $99/yr
Bank of America Premium Rewards · $95/yr
→ Bank of America Travel Rewards, Bank of America Customized Cash Rewards, Bank of America Unlimited Cash Rewards · saves up to $95/yr

Capital One

Capital One Venture X · $395/yr
→ Capital One VentureOne Rewards, Capital One Venture Rewards · saves up to $395/yr
Capital One Venture X Business · $395/yr
→ Capital One VentureOne Business, Capital One Venture Business · saves up to $395/yr
Capital One Spark Cash Plus (Spark 2% Cash Plus) · $150/yr
→ Capital One Spark Cash Select (Spark 1.5% Cash Select), Capital One Spark Cash (Spark 2% Cash) · saves up to $150/yr
Capital One Spark Cash (Spark 2% Cash) · $95/yr
→ Capital One Spark Cash Select (Spark 1.5% Cash Select) · saves up to $95/yr
Capital One Venture Business · $95/yr
→ Capital One VentureOne Business · saves up to $95/yr
Capital One Venture Rewards · $95/yr
→ Capital One VentureOne Rewards · saves up to $95/yr
Capital One QuicksilverOne · $39/yr
→ Capital One Quicksilver · saves up to $39/yr
Capital One SavorOne Rewards (Fair Credit) · $39/yr
→ Capital One Savor · saves up to $39/yr

Chase

Chase Sapphire Reserve · $795/yr
→ Chase Freedom Unlimited, Chase Freedom Flex, Chase Sapphire Preferred · saves up to $795/yr
United Club Business Card · $695/yr
→ United Business Card · saves up to $545/yr
United Club Infinite Card · $695/yr
→ United Gateway Card, United Explorer Card, United Quest Card · saves up to $695/yr
United Quest Card · $350/yr
→ United Gateway Card, United Explorer Card · saves up to $350/yr
Southwest Rapid Rewards Performance Business Card · $299/yr
→ Southwest Rapid Rewards Premier Business Card · saves up to $150/yr
Marriott Bonvoy Bountiful™ Credit Card · $250/yr
→ Marriott Bonvoy Bold® Credit Card, Marriott Bonvoy Boundless® Credit Card · saves up to $250/yr
Southwest Rapid Rewards Priority Card · $229/yr
→ Southwest Rapid Rewards Plus Card, Southwest Rapid Rewards Premier Card · saves up to $130/yr
Chase Ink Business Premier · $195/yr
→ Chase Ink Business Cash, Chase Ink Business Unlimited · saves up to $195/yr
United Explorer Card · $150/yr
→ United Gateway Card · saves up to $150/yr
Disney Inspire Visa Card · $149/yr
→ Disney Visa Card, Disney Premier Visa Card · saves up to $149/yr
Southwest Rapid Rewards Premier Card · $149/yr
→ Southwest Rapid Rewards Plus Card · saves up to $50/yr
IHG One Rewards Premier Credit Card · $99/yr
→ IHG One Rewards Traveler Credit Card · saves up to $99/yr
Chase Ink Business Preferred · $95/yr
→ Chase Ink Business Cash, Chase Ink Business Unlimited · saves up to $95/yr
Chase Sapphire Preferred · $95/yr
→ Chase Freedom Unlimited, Chase Freedom Flex · saves up to $95/yr
Marriott Bonvoy Boundless® Credit Card · $95/yr
→ Marriott Bonvoy Bold® Credit Card · saves up to $95/yr
Disney Premier Visa Card · $49/yr
→ Disney Visa Card · saves up to $49/yr

Citi

Citi Strata Elite℠ Card · $595/yr
→ Citi Strata℠ Card, Citi Strata Premier® Card · saves up to $595/yr
Citi® / AAdvantage® Executive World Elite Mastercard® · $595/yr
→ American Airlines AAdvantage® MileUp® Card, Citi® / AAdvantage® Platinum Select® World Elite Mastercard® · saves up to $595/yr
Citi® / AAdvantage® Globe™ Mastercard® · $350/yr
→ American Airlines AAdvantage® MileUp® Card, Citi® / AAdvantage® Platinum Select® World Elite Mastercard® · saves up to $350/yr
Citi® / AAdvantage® Platinum Select® World Elite Mastercard® · $99/yr
→ American Airlines AAdvantage® MileUp® Card · saves up to $99/yr
Citi Strata Premier® Card · $95/yr
→ Citi Strata℠ Card · saves up to $95/yr

U.S. Bank

U.S. Bank Altitude Reserve Visa Infinite Card · $400/yr
→ U.S. Bank Altitude Connect Visa Signature Card, U.S. Bank Altitude Go Visa Signature Card · saves up to $400/yr
U.S. Bank Shopper Cash Rewards Visa Signature Card · $95/yr
→ U.S. Bank Cash+ Visa Signature Card · saves up to $95/yr

Wells Fargo

Wells Fargo Autograph Journey · $95/yr
→ Wells Fargo Autograph · saves up to $95/yr

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Not sure you should downgrade at all? The welcome-offer rankings and point values say what the fee is buying, and the app scores your real charges against the card you already hold.

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