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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.
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).
There has not been an official rule announced by Chase. But based on reader experiences and other sources like Doctor of Credit, we’ve learned not all Chase cards are impacted by the rule.
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 Hyatt
- Chase IHG
- Chase Marriott Rewards Premier Business Card
- 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 2 complimentary nights at Ritz-Carlton tier 1 through 4 hotels anywhere in the world after meeting minimum spending requirements. This can get you savings of more than $1,000 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 80,000 IHG points after meeting minimum spending requirements. Plus 5,000 bonus IHG points when you add an authorized user and make a purchase in the first 3 months of opening your account.
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 account anniversary
- 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: The Hyatt Credit Card
You can earn 40,000 Hyatt points with the Chase Hyatt after meeting minimum spending requirements. And an additional 5,000 bonus Hyatt points when you add an authorized user and make a purchase in the first 3 months of opening your account.
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 Marriott Rewards Business Card
With the small business version of the Chase Marriott card, you’ll earn 80,000 Marriott points after spending $3,000 on purchases within the first 3 months of account opening.
And a free night in a category 1 to 5 Marriott hotel every card anniversary!
You’ll also get:
- 5X Marriott points at Marriott, Ritz-Carlton, or Starwood hotels
- 2X Marriott points on restaurants, car rentals, airline tickets (purchased directly from airline), office supply stores, internet, cable, and phone
- 1 Marriott point per $1 on all other spending
- 15 elite credits annually, which gives you Marriott Silver status
- 1 elite credit for every $3,000 spent on the card
- NO foreign transaction fees
But the $99 annual fee is NOT waived the first year.
Chase British Airways
Even if you don’t fly British Airways, you can get Big Travel with the Chase British Airways card. Because you can earn up to 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.
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 $200 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.
You can redeem Disney rewards dollars 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, Chase Marriott Rewards Premier Business, or Chase IHG, which offer terrific sign-up bonuses and a free hotel night each account anniversary. 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”?