Getting Chase Bonus 2 Years Cannot Receive Again
How many Hunt credit cards can you get? (And which to become first)
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Chase credit cards are among the very best credit cards for travel. So information technology's no wonder many of usa in the miles and points hobby have a few in our wallets.
By far the about valuable Hunt cards are those that earn Chase Ultimate Rewards points, similar the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, considering, with the right cards, you'll take the flexibility to transfer points to travel partners similar United Airlines and Hyatt. And Chase also problems a number of excellent branded airline credit cards and hotel credit cards, including Southwest, IHG, Marriott, British Airways, United Airlines, and Hyatt cards. It'due south tempting to want them all.
But due to their strict application rules, you'll have to plan your Chase card strategy carefully. Each private will accept a limit to how many Hunt cards they tin get – and information technology depends on a lot of factors.
How many Chase credit cards can you go?
Chase doesn't publish official rules well-nigh how many cards you lot can have at once, simply show suggests there is no hard limit to the number of Chase cards you tin become. Instead, you're restricted by the total corporeality of credit Chase is willing to extend you and that depends on your credit score, income, debt, and other factors.
For example, I've got six Chase cards (and am looking to add a couple more than this yr) and many other MMS staffers accept fifty-fifty more than.
If you're denied because you've reached the maximum amount of credit Chase will requite yous, don't give up just nonetheless. Many people have had success calling the reconsideration line and offering to shift credit from their existing Chase accounts to get canonical.
Other (unofficial) rules to follow when you lot're applying for Chase cards:
- Reports online and from our team suggest you lot won't exist canonical for more than two personal Chase cards in 30 days, or more than one concern card
- Other evidence suggests no more one business and one personal menu in 90 days
To be safe, virtually recommend spacing out applications by 90 days or more. Hunt is also sensitive if y'all've practical for a lot of other credit cards recently (even if yous're nether 5/24). So, for instance, if you lot've too practical for a bunch of Amex credit cards or Citi credit cards in the past couple of months, yous might have a hard time getting approved and there are other specific restrictions to consider when it comes to Chase cards.
The Chase five/24 dominion is the biggest limitation
If you're new to miles and points, nosotros've always said to apply for the Hunt cards you desire first. That's because you won't exist canonical for Hunt cards if you've opened 5 or more than cards from any bank (except sure business concern cards) in the past 24 months. This is referred to as the Hunt 5/24 rule.
The 5/24 rule applies to every Chase credit card, that's why we recommend applying for the Chase Sapphire Preferred Card (our #i card for beginners) first. Alternately, if you know you'll travel oft, the Hunt Sapphire Reserve is an every bit expert choice because information technology has tons of valuable benefits, like airport lounge access. You can no longer take both the Sapphire Preferred and Sapphire Reserve cards at the same time, and then you'll have to pick the ane you lot similar more.
If y'all qualify for modest business organisation cards (many people do and don't even realize it), it makes more than sense to start with Chase business credit cards, considering they don't appear on your personal credit report and won't affect your v/24 count. Your best bet is the Ink Business organisation Preferred Credit Card because information technology comes with the highest welcome bonus of any Chase Ultimate Rewards menu. I've got this carte and beloved information technology for the additional perks like automatic cell phone insurance when you lot use the card to pay your bill.
From there, consider your travel goals and spending habits to make up one's mind which Chase cards to apply for next. Here'due south a post explaining more about the best Chase credit card strategy for beginners and here's how to figure out your five/24 count.
But await, in that location's more than! Other considerations once y'all've opened a few Hunt cards
If you've been into miles and points for a while y'all might be a petty sentimental thinking near the days when the Chase five/24 rule wasn't a thing. And so there are a lot of us who may have had some of the all-time Hunt credit cards in the past and are considering applying for them again. Here'due south what you lot'll demand to be aware of.
With most Chase Cards, you must expect at least 24 months after earning a bonus to be eligible again
For nearly Chase cards, you're not eligible to earn a bonus if y'all currently accept the card, or have received a new cardmember bonus for the card in the by 24 months. Note that the language says "received a new cardmember bonus," so the clock starts from when the bonus posted to your account, not when you were approved for the card. To see the restrictions specific to the card y'all're interested in, click the "Offer Details" link on the card application folio.
There'south 1 major exception.
If you're interested in the Chase Sapphire Preferred or Chase Sapphire Reserve card, the terms say:
The product is not bachelor to either (i) current cardmembers of whatever Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit carte du jour who received a new cardmember bonus within the concluding 48 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to meet if you are eligible for a product alter. You volition not receive the new cardmember bonus if you alter products.
So non merely can you non have the Sapphire Preferred or Sapphire Reserve at the aforementioned time, but too you're restricted from earning a bonus if you've received one from either card in the past 48 months.
A few Chase cards have rules specific to the airline or hotel brand
I'chiliad getting into the weeds a bit here, only there are a few more rules to know if you're interested in the Southwest, Marriott, Hyatt, or IHG cards.
Southwest personal cards
You lot can no longer accept more than than ane personal Southwest carte du jour at a time. And so if you're interested in a personal Southwest credit carte, keep in mind you're not eligible if y'all already have a personal Southwest credit card (fifty-fifty a dissimilar version) or if you lot've earned the bonus on whatever personal Southwest card in the by 24 months. The Southwest® Rapid Rewards® Premier Business Credit Carte and Southwest® Rapid Rewards® Performance Business Credit Card aren't impacted past this rule.
The best part about the Southwest credit menu bonuses is that the Southwest points you earn count toward earning a Southwest Companion Pass.
Marriott cards
After Marriott and Starwood merged, Chase (issuer of the Marriott cards) and Amex (issuer of the Starwood cards) implemented some new rules around their products with respect to the Marriott cards. The news rules are complicated and applying for a Hunt Marriott carte tin bear on your power to open up an Amex Marriott bill of fare and vice versa.
If you're interested in applying for one of these cards, check out our post comparing all of the Marriott Bonvoy cards for more than details.
World of Hyatt Credit Card
The Globe of Hyatt Credit Card replaced the old Chase Hyatt credit card (no longer available to new applicants) last twelvemonth. I've got the sometime version and am keeping it.
If you lot're looking to apply for the World of Hyatt Card, keep in listen y'all can't have both the one-time and new versions and if you've earned the bonus on either Hyatt card in the by 24 months, you're non eligible either. The terms say:
The product is not available to either (i) current Cardmembers of any Hyatt Credit Menu, or (ii) previous Cardmembers of any Hyatt Credit Carte who received a new Cardmember bonus within the last 24 months.
It is possible to upgrade from the one-time version to the new, but yous won't earn the welcome bonus. Ane actually cool affair virtually the Earth of Hyatt Credit Card – it comes with a free night at a category one to four Hyatt each carte du jour anniversary. That's a big reason why folks hang on to it (or the previous version) year after year.
IHG Rewards Guild Premier Credit Carte
TheIHG® Rewards Lodge Premier Credit Bill of fare also replaced the old (no longer bachelor) Hunt IHG card (yeah, I've got this ane besides). In this case, you lot are eligible for the bonus on the new version even if you lot still have the onetime version. The merely restriction is that y'all can't become the IHG® Rewards Order Premier Credit Card if you lot've already got 1 open, or earned a bonus on the very same card in the past 24 months. From the terms:
This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card inside the concluding 24 months
The same rules apply to the IHG® Rewards Traveler Credit Carte du jour. Substantially, all three IHG cards are considered unlike products.
Bottom line
Chase doesn't take a hard limit on the number of cards you can have at one time. Instead, there'southward a maximum amount of total credit they'll extend y'all. Some of us on the MMS team have half-dozen or more Hunt credit cards.
That said, anybody is restricted past Chase's stringent application rules, including:
- Chase 5/24 rule – If you lot've opened v or more cards from any bank (except sure business cards) in the past 24 months, yous won't be approved for Chase cards
- For most Hunt cards, you're not eligible to earn a bonus if you currently have the card, or take received a new cardmember bonus for the card in the past 24 months (exception – the Chase Sapphire cards require 48 months later earning a bonus on any Sapphire card)
- You can no longer get the Hunt Sapphire Preferred and Chase Sapphire Reserve at the same time – you'll take to pick one
- You can't have more than i personal Southwest card at in one case
- The Hunt Marriott cards have tight restrictions if you've earned bonuses on those cards, or the former Amex Starwood cards
- The Globe of Hyatt card isn't available to you lot if you have the onetime version of the carte du jour (but you tin can upgrade)
- The IHG Premier carte du jour is considered a different carte du jour product, so you can go it if you have the sometime version of the card or if yous have the IHG Traveler card
The all-time strategy, if you're new to miles and points, is to apply for the Hunt cards you want get-go (the Chase Sapphire Preferred is our favorite card for beginners). And if you've been the hobby for a while, spacing out your card applications and choosing wisely depending on your travel goals is key to becoming eligible for more Chase credit cards.
What'due south your plan for adding more Chase credit cards to your wallet?
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Chase Sapphire Preferred® Card
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Earn 80,000 bonus points afterward you spend $iv,000 on purchases in the showtime 3 months from account opening. That'southward $1,000 when you lot redeem through Hunt Ultimate Rewards®.
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Relish benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Hunt Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more than.
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Get 25% more than value when you redeem for airfare, hotels, automobile rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
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With Pay Yourself Dorsum℠, your points are worth 25% more during the current offer when yous redeem them for argument credits confronting existing purchases in select, rotating categories
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Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Baggage Insurance and more than.
Intro Apr on purchases
N/A
Regular APR
16.24% – 23.24% Variable
Residue Transfer Fee
Either $v or five% of the amount of each transfer, whichever is greater.
Rates & Fees
Annual Fee $95
Other
Credit Needed First-class / Good
Issuer Hunt
Card Type Visa
Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader'due south comments. These oasis't been reviewed, approved or endorsed past any of the airlines, hotels, or credit menu issuers which nosotros oftentimes write about. And that'southward just how we like it! :)
Source: https://millionmilesecrets.com/guides/how-many-chase-credit-cards-can-you-get/
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