How Many Chase Cards Can You Get? (And Which to Get First!)

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Chase has some of the best points and miles cards available. With them, you can get free nights at fancy hotels, award flights, or lots of flexibility, depending which cards you choose. 

But folks are concerned about applying for new Chase cards because of the stricter approval policies Chase will likely start enforcing in April 2016.

How Many Chase Cards Can You Get And Which To Get First

Concerned About the Upcoming Changes to Chase Card Approvals? Let’s Take a Closer Look at How They Work

I’ll explain the new rules.  And recommend which cards to consider.

We don’t earn a commission on many of the cards in this post but we’re committed to letting you know about the best offers!

What’s Happening?

Link:   These Airline & Hotel Cards May Soon Be Harder to Get!

Chase has been tightening their credit card application policies since the last half of 2015.

How Many Chase Cards Can You Get And Which To Get First

This Year, the Chase Approval Rules Will Get Even Tighter. But If You Know What to Expect, You Can Make the Most of Them and Still Get New Chase Cards

There are rumors they’ll apply stricter rules to to Chase small business cards like Chase Ink Plus and Chase Ink Cash this month.  And to co-branded airline and hotel cards, like the Chase Hyatt, Chase IHG Rewards, and Chase United MileagePlus® Explorer Card, starting April 2016.

The new rules say if you’ve opened 5 or more credit card accounts (from any bank) in the past 24 months, it’s VERY UNLIKELY Chase will approve you for ANY of their credit cards.

Readers have commented to tell me this rule also applies if you’re added as an authorized user to someone else’s account.  While I can’t confirm this, it’s something to be aware of.

How Many Chase Cards Can You Have?

Folks are wondering how many Chase cards they can apply for before the new rules go into effect.

There are NO set rules for how many credit cards Chase will issue you.  It depends on your credit and payment history, your credit score, income level, and your relationship with Chase.

How Many Chase Cards Can You Get And Which To Get First

There’s Not an Easy Way to Predict How Many Cards You Can Have in Total. But If You Have Good Credit, Chase Has Been Known to Issue 4 or 5 Cards per Person, Which Can Mean Big Travel in Your Future!

So there are a lot of factors that go into an approval.  However, if you have decent credit, and you haven’t opened more than 5 new credit cards in the last 24 months, you have good chances of being approved for 1 or 2 more Chase cards.

But Chase will typically NOT approve folks for more than 2 cards in 30 days.

For example, I currently have 4 Chase cards.  And Emily has 5.

Friends of mine have 6 or even 7 Chase cards!  And while there is NOT a set limit on how many you can get, 6 or 7 is probably on the higher end of how many Chase cards you can get in total.

OK, So Which Cards Should I Get?

Chase has great credit cards that appeal to different folks based on their travel goals.

If You Want Flexibility

If you want the option to transfer your points to several airline and hotel partners, cards that earn Chase Ultimate Rewards points will give you the most flexibility.  For that reason, Chase Ultimate Rewards is my favorite points program.Cards that earn Chase Ultimate Rewards points are:

And if I had to pick 1, I’d choose the Chase Sapphire Preferred.  It’s the top card I recommend if you’re starting out with miles and points.

Rumor 100,000 Chase Ultimate Reward Point Sign Up Bonus With New Card Coming Soon

Transfer Chase Ultimate Rewards Points to These Airline and Hotel Partners When You Have the Chase Sapphire Preferred, Chase Ink Plus, or Chase Ink Bold

You can transfer Chase Ultimate Rewards to travel partners if you have the Chase Sapphire Preferred, Chase Ink Plus, or Chase Ink Bold (no longer available).

Chase Sapphire Preferred is a personal card.  And you’ll earn 50,000 Ultimate Rewards points after spending $4,000 on purchases within the 1st 3 months of opening your account.

How Many Chase Cards Can You Get And Which To Get First

Want Award Flights on Airlines Like United Airlines and Southwest? Or Free Nights at Fancy Hyatt or IHG Hotels? Chase Ultimate Rewards Points Give You the Most Flexibility With Your Travel Plans

And Chase Ink Plus is a small business card.  You’ll earn 60,000 Chase Ultimate Rewards points after spending $5,000 on purchases within the 1st 3 months of opening your account.

You don’t need to earn lots of revenue to get this card.  As long as you aim to make a profit, it’s worth putting in an application.  Here’s how you might already qualify.

The Chase Ultimate Rewards points earned from Chase Freedom or Chase Ink Cash also transfer to airline and hotel partners if you also have a Chase Sapphire Preferred, Chase Ink Plus, or Chase Ink Bold.

Both the Freedom and Ink Cash cards have NO annual fee.  So they’re free to keep forever, which can help to build your credit history and score.

Chase Freedom is a personal card with excellent 5% cash back (5X Ultimate Rewards points) categories that rotate each quarter.  You’ll earn $150 (15,000 Chase Ultimate Rewards points) after spending $500 on purchases within the 1st 3 months of opening your account.

If You Want Award Flights

Some folks like to use their miles or points for award flights.  In that case, you might consider:

When you have the Chase Sapphire Preferred, you can transfer your Chase Ultimate Rewards points to airline partners including United Airlines, Singapore Airlines, and British Airways.

How Many Chase Cards Can You Get And Which To Get First

Emily and I Used United Airlines Miles to Fly to India

United Airlines in particular is an excellent option, because they don’t add fuel surcharges to ANY of their award flights.  I don’t like paying these nasty fees.  And you can get to almost anywhere in the world with United Airlines miles by using their miles to fly on Star Alliance partners like Air New Zealand, TAP Portugal, and Thai Airways.

If you have a small business, the Chase Ink Plus is a good choice.  You’ll have access to the same travel transfer partners.  And can take advantage of the same deals on award flights.

There’s also a great offer to earn a total of 100,000 British Airways Avios points with the Chase British Airways Visa Signature Card after meeting the tiered spending requirements.

British Airways Avios points are useful for award flights on partner airlines all around the world, especially short flights that are usually very expensive.

And if you like to fly United Airlines and their Star Alliance partners, the Chase United Explorer card is great for earning extra United Airlines miles and getting more award seats on United Airlines!  Plus, you (and a traveling companion on the same reservation) get a free checked bag when you use the card to pay for your ticket.

Note:   For folks who want easy domestic and Caribbean award flights with no blackout dates and the opportunity to earn the Companion Pass, consider Chase’s Southwest cards instead.

If You Want Hotel Nights

And if you want award nights at hotels, Chase has that covered, too.

My favorite way to get free award nights is to transfer Chase Ultimate Rewards points earned from the Chase Sapphire Preferred or Chase Ink Plus to Hyatt.

How Many Chase Cards Can You Get And Which To Get First

Emily and I Liked Exploring the Area Near the Hyatt Regency Maui. You Can Stay There With Hyatt Points – or Free Night Certificates With the Chase Hyatt Card!

Emily and I have had lots of memorable stays at Hyatt hotels, including the Park Hyatt Paris-Vendome, Park Hyatt Milan, and Hyatt Regency Maui.  Considering these hotels can be very expensive, you can save a lot of money by using your Chase Ultimate Rewards points for stays at Hyatt!

Chase also has cards for specific hotel chains, including:

With the Chase IHG Rewards card, you get a free night certificate each year on your cardmember anniversary.  And you can use it at ANY IHG hotel in the world!  That’s a terrific deal in exchange for a $49 annual fee.

How Many Chase Cards Can You Get And Which To Get First

You Can Use Your Annual Free Night Certificate at the Intercontinental Thalasso Resort Where Emily and I Stayed! Nights Here Can Cost $1,000+!

And if you like Hyatt hotels, the Chase Hyatt card comes with 2 free nights at ANY Hyatt after spending $1,000 on purchases in the 1st 3 months of opening your account.  Paid nights at the fanciest Hyatt hotels can cost hundreds of dollars, so the sign-up bonus alone can be worth well over $1,000!

There’s also an offer to earn 80,000 Marriott points with the Chase Marriott Rewards Premier card.  That’s more than enough Marriott points for 2 nights at Marriott Category 8 hotels like Waikiki Beach Marriott Resort & Spa in Hawaii and the Pier One Sydney Harbour, Autograph Collection in Sydney.

What About the Annual Fees?

All of the cards above, except for the Chase Ink Cash and Chase Freedom, have an annual fee.  But oftentimes, it’s worth paying it, especially if you’re making the most of the perks, like free checked bags or lounge access.

How Many Chase Cards Can You Get And Which To Get First

Uncertain About the Annual Fee? Try the Card for at Least ~10 Months Before You Cancel, Especially If the Annual Fee Is Waived the 1st Year

Also, if the annual fee is waived the 1st year, there’s no reason to cancel the card immediately anyway.

But, if you decide to cancel, it’s very easy.  There’s no hassle.  Simply call the number on the back of your card.  At most, the agent will offer you points to keep the card or ask if you’d like to switch to a no-annual fee card.

Most of the Chase cards Emily and I have decided to keep have annual fees because of the ongoing benefits.

I like to keep a card for ~10 months and then decide if the card is worth the annual fee.  This also helps establish a good relationship with the banks.

But if you are completely opposed to trying an annual-fee card, consider these Chase cards:

Bottom Line

Chase has many of the best travel rewards cards available.  But starting April 2016, it will require more planning to get them because of tighter approval policies.

For that reason, I recommend getting 1 or 2 of the cards you want the most before then.  There’s no real limit on how many cards Chase will let you have.  It depends on your credit history and how much credit they’re willing to extend to you.

That said, I have friends who have 6 or 7 Chase cards.  I currently have 4 Chase cards.  And Emily has 5.

If you’re getting started with miles and points, or want an all-around solid credit card, I recommend the Chase Sapphire Preferred card.  And Chase Ultimate Rewards points are my favorite kind of points.

Emily and I don’t receive a commission for many of the cards we recommend in this post (or in general).  But we feel that telling you about the best deals is the right thing to do!

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17 responses to “How Many Chase Cards Can You Get? (And Which to Get First!)

  1. I got back to my 8th Chase card ( 2nd SW card ) after I let go the BA card and UA ) a few months ago. Sapphire Preferred ( paying fees happily) + 2 Freedoms ( since 4ver) + 2 Southwests (one of the two is a 2nd timer) + Hyatt ( 2nd time around) + Marriott( paying annual fees for a free night)+ IHG ( paying annual fees for a free night). MY MAX was once at 9 cards. Thinking hard to re apply Fairmont for two free nights .

    Chase has been very generous to me.

  2. I would like some advice on how to get another Companion Pass from S W Air. I used the two card method in my name getting a business card plus a personal card. I enjoyed a year of Companion passes for my wife. She has a personal S W Card and is a partner in the business. How can she eliminate her current card so she can reapply for two cards? Does it take long till reapplying? Thanks, john jam

  3. I have 2 applications (Marriott personal and Marriott business) pending review.I’ve been waiting 2 weeks so far for the decision hoping Chase will take some of my existing credit from my 5 personal cards (Sapphire,Freedom,Hyatt,IHG,and British Airways) and my 1 business card (Ink cash) which was downgraded from plus to avoid annual fee. I have a long history with Chase and recently opened a checking account with them.I’ve always thought it best to hold onto available credit line by transferring it from cards I’ve closed to one’s I’m keeping. Then I have always been able to negotiate on reconsideration call for a transfer of the excess credit line to open a new card. In the current situation of trying to avoid reconsideration calls should I reduce some of my credit line and possibly cancel a card trying to avoid a reconsideration call?

  4. I got the chase Sapphire Preferred and applied a week later for the chase ink plus, and got denied for the ink. I was told it was because they hadn’t seen much of my history and suggested I apply a few months later….

  5. Do not get suckered in on the authorized user bonus on these cards, or at least be careful with the spacing of your applications/AU bonuses. I got the Sapphire, UA Exp and RR cards and added my wife as an AU on each. We then got her the Sapphire a month later. She had two Citi AA cards in the last 24months, so I thought she was good to get the Ink Plus and Freedom. When she applied for the IP, she was rejected because she had “Too many cards with Chase,” even though, she only had one of her own at the time! I removed her from all my cards and have been working with Exp and TU to get them off of her reports before she tries for the IP again. I feel like the AU bonuses are a way for them to keep couples from getting too many of their cards per household.

  6. Just curious. This projected change in Chase policy has been on the blogs for some weeks now, but we still see words like “rumored” and “likely” to describe it. Has Chase actually come out and announced a change of policy, will they, or will it simply go into effect quietly if and when it happens? If it’s going to happen I’d like to get one more card ahead of the deadline, but it would actually suit me to do it later rather than sooner to the extent I can do it without missing the boat. If the change does happen, I probably won’t be able to get a Chase card for a long time since I always have more than five new cards within any rolling two year cycle and would hope there might continue to be enough good offers from other companies that I would continue doing that.

  7. I have opened more than 5 cards in the past 24 months and was recently approved for a Chase card – Ink Plus, my fourth with Chase in the past five months, on top of several others. I am waiting for these rules to appear a little more… practiced. With all of the rumors flying around, has anyone from Chase confirmed implementation on cards other than the personal UR? Or is it all a little more ad hoc than the forums/blogs are suggesting?

  8. Steven, the 5/24 rule has never applied to the Ink Plus. This is part of the upcoming change with all cards.

    I was approved recently for the Hyatt Visa, my 7th Chase card.

  9. @PJ – Wow, that’s incredible! Thank you for sharing!

    @John Flemming (john jam) – She could cancel her current card. And then apply for it again.

    That’s what some folks have done in the past. Chase says you can get the sign-up bonus again as long as you don’t currently hold the card, and haven’t received the sign-up bonus in the past 24 months.

    @M – Interesting. I haven’t heard that response before. Thank you for sharing!

    @Chris – Good theory. Thank you for adding that!

    @DaveS – You won’t find it in writing, but that’s what Chase has told many folks when they apply for new cards. So I’m passing along what I’ve heard, with reason to believe it’s true.

    If you’re interested in a card that might soon fall under this new rule, I recommend picking it up before April if you can!

    @Steven – A lot of factors go into an approval or denial. If you have a good relationship with Chase, and have been with them for several years, they might approve you for a couple of extra cards. I recommend taking it case-by-case. And knowing about other experiences hopefully helps you to make a better decision moving forward.

    @MilesMethods – Thanks for adding. And as always, for reading! 🙂

    @Larry – That’s a tough one! I’d wait it out and see if Chase approves you for both cards before asking them to reconsider. But of course, you might have luck by calling before you get a decision.

    It’s up to you, but I think I’d wait at least a few more days. Good luck! I hope you get them both!

    I hope that gives you some guidance!

  10. I’ve currently got 4 chase cards:

    Chase Ink Business (2nd time around)
    Chase IHG , planning on keeping this forever if the free night only costs $49
    Chase SW Personal (2nd time around)
    Chase SW Business (2nd time around)

    I’m almost done getting my 2nd companion pass 🙂

  11. I have 7 Chase cards. Would love more… but Chase is also very stingy with overall credit for me for some reason, so I have less than 10k credit limit on each of my cards. Chase has so many cards that are good for holding, it makes it difficult to choose which to get. I’d love to get a BA card, Hyatt, maybe RC, and another round on the Ink Plus, but have been very hesitant to push Chase too far.

  12. Like PJ, Chase has been good to me.

    Data point: Currently hold 11 Chase cards (8 Personal and 3 Business):

    Hyatt, IHG, Marriott Premier, United Explorer, Amazon, Slate, Freedom x 2
    Ink Bold x 2, Ink Plus

    I’ve had three forever – Amazon, Slate, one Freedom. The others have been within past four years. Also, I may have had more at one time, as within the four years I’ve also held the Marriott business card (cancelled), the BA card (cancelled), the AirTran card (changed to SW, then cancelled), and the BP card (sold to Synchrony).

    I applied last for the Ink Plus on January 28, as the business cards were supposed to go 5/24 in March. It went pending, but unlike normal, I did not call in. I wasn’t approved until February 26! Still working on the minimum spend for it for the 60,000 UR points.

    For what it’s worth, I also have a basic checking account with them that I got when there was a $300 sign up bonus. I keep the minimum there to avoid a monthly charge, but that’s about it. Not sure if that helps with credit card approvals, but with interest rates depressed, it’s not costing me much to keep it open.


  13. I have a plan to keep a companion pass by alternating between me and my spouse on sign up bonuses and ensuring that whomever is due to work in getting the companion pass has no cc applications in last two years. I am concerned about the authorized user rule keeping us from qualifying with this strategy. Does it appear chase is also holding 5/24 rule for authorized users as well?

  14. Will the 5/24 rule apply to Personal and Business cards as if they are two different entities, or will it be 5 cards total?

  15. I am wondering about the checking account idea to further booster the relationship with Chase. 2 people mentioned it. In the meantime, I have hit my 5/24 limit and currently hold Ink bold, Ink Plus, SW personal, SW biz, Marriott & UA). I applied for Sapphire a few months ago and for the first time in my life got turned down. I called recon, then asked to speak to a supervisor, offered to cancel a card, offered to have them take my credit line and move it from another card… but they would not approve me. My 2 FICO scores are 824 & 839. They said the reason was too many recently opened cards and couldn’t tell me when to re-apply. I believe I may open a bank account with them based on the above unless anyone has another idea.

  16. I have had a bank account with Chase for about 20 years and have had the Freedom card for at least 10 years. I was turned for the Sapphire card for “too many credit cards opened in the last 2 years”. I had 5 opened in the last 5 years when I applied for the Sapphire and one of those 5 cards was 23 days short of 2 years.

  17. I have opened about 19 new cards across all banks in the last 24 months so with the 5/24 rule likely going into effect soon I thought this is my last chance to get Chase cards forever unless I go cold turkey for 2 years (which I might to get SW companion pass again).
    I applied for Marriott personal and business cards and after waiting 3 weeks got both denial letters which cited too many recently opened cards and having the max amount of credit extended with Chase. On the letters Chase said they had checked my Experian report and it listed my fico as 826 .I have 6 open Chase cards with a total credit line of 100000 adding all 6 lines. During the 3 week wait my wife and I opened a Chase checking hoping it would be helpful now and in the future for both of us to get Chase cards. The $300 bonus for a min $25 deposit and a direct deposit setup was another good reason.
    I was very nervous and pessimistic on the reconsideration calls but somehow I managed to get both new Marriott cards approved by moving excess credit from my existing cards.All cards are still open for a total of 8. 6 are personal and 2 are business. I think the recent checking account opening was at first looked at negatively as if it was another application for credit. I had to point out that I was direct depositing money with Chase and trying to extend my long term relationship with them which goes back over a decade.The business reconsideration call had a lot of questions about my business gross and net income over 2015 and 2014 as well as my projections for 2016.There were also questions about my reasons for applying for so many new cards recently. I was not expecting the positive results I got and I thought maybe I should have hung up and tried later with a different CSA. I am tempted to try for 1 more card but I think I have pushed Chase beyond the limit. My wife can take her shot now. But she absolutely hates reconsideration calls!