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Chase offers terrific credit cards with great perks and benefits to use for Big Travel. But tougher application rules have made it more difficult to get approved for many cards issued by Chase.
But certain Chase cards are NOT impacted by the stricter rules. Like The Hyatt Credit Card, which gets you 2 free nights at any Hyatt after meeting minimum spending requirements.
I’ll explain which Chase cards are not affected by the rules!
Chase “5/24 Rule”
Earlier this year, Chase started to make it difficult for folks to be approved for Chase cards if you’ve opened ~5 or more credit cards (from any bank) in the past 24 months (excluding certain business cards).
Which Chase Travel Cards Are NOT Affected?
Folks with lots of recent credit cards have been approved for these 6 Chase travel cards:
- Chase British Airways
- Chase Disney
Chase FairmontNote: This card has been discontinued
- Chase Hyatt
- Chase IHG
- Chase Ritz-Carlton
Here are some of the perks you can get with these 6 cards.
Link: Chase Ritz-Carlton
The Ritz-Carlton card is one of the top hotel credit cards for elite status and great perks like room upgrades and and bonus points on stays.
And with the current sign-up bonus, you can earn 3 complimentary nights at Ritz-Carlton tier 1 through 4 hotels anywhere in the world. This can get you savings of more than $2,000 depending on where you redeem the nights!
This card also gets you a $300 annual travel credit to use for qualifying airline purchases such as seat upgrades, baggage fees, and preferred lounge memberships or passes.
Link: Chase IHG
The Chase IHG card is one of the Chase cards I gladly pay the annual fee on every year. You can earn a sign-up bonus of 60,000 IHG points and $50 statement credit after meeting minimum spending requirements.
Then use the points for inexpensive stays at IHG PointsBreaks hotels, which cost just 5,000 IHG points per night. Or use Points & Cash to stretch your points further. You can even use IHG points to go on a Disney World vacation with the family.
With the Chase IHG card, you’ll also get:
- A free night at any IHG hotel worldwide each year of card membership
- Free Platinum elite status (free upgrades, priority check-in, and elite rollover nights)
I had a great time using free nights at InterContinental Thalasso in Bora Bora.
Here’s my full review of the Chase IHG card.
Link: Chase Hyatt
The card also gets you:
- A free night in a category 1 to 4 Hyatt each year on your account anniversary
- Discoverist elite status (free premium internet, better rooms when available, late check-out, free category 1 to 4 Hyatt night when you stay at 5 Hyatt brands)
Hyatt is one of my favorite hotel chains because it’s easy to use points. And the service and amenities at hotels are always great!
Chase British Airways
Even if you don’t fly British Airways, you can earn Big Travel with the Chase British Airways card. Because you can earn 100,000 British Airways Avios points after you get the card and meet tiered minimum spending requirements.
Then, you can use the points to book award flights on partner airlines like Alaska Airlines or American Airlines.
Another great way to use British Airways Avios points is for flights on partner airlines from the West Coast to Hawaii.
Update: The Chase Fairmont card has been discontinued.
Fairmont has luxurious hotels in the US, Canada, Europe, Asia, Africa, and the Middle East.
If you use this card for everyday spending, you could potentially earn additional free nights. Because you get a complimentary night if you spend $12,000 or more in a cardmember year.
I also like that the $95 annual fee is waived for the first year!
Link: Chase Disney
Folks who love Disney and spend at lot of time and money at their resorts might consider the Chase Disney card.
You can earn a $100 statement credit after meeting minimum spending requirements. And you also get 2% in Disney reward dollars per $1 spent at most Disney locations, and all restaurants, supermarkets, and gas stations.
Disney rewards dollars can be redeemed at Disney theme parks, hotels, golf courses, and other participating retailers. You can also use your Disney rewards dollars for movie vouchers or as a statement credit towards airfare.
I don’t usually recommend this card because there are so many other Chase cards with more valuable sign-up bonuses!
The tougher Chase application rules have made it more difficult to get approved for many, but not ALL cards issued by Chase.
You can still get terrific travel cards like the Chase Hyatt or Chase IHG, which offer free hotel nights. Or get the Chase British Airways to book award flights on partner airlines like Alaska Airlines or American Airlines.
Which is your favorite Chase card not impacted by the “5/24 rule”?