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

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

Million Mile SecretsThese Airline & Hotel Cards May Soon Be Harder to Get!Million Mile Secrets Team

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Chase has been tightening their credit card application policies.  And now there are rumors they’ll apply the stricter rules to co-branded airline and hotel cards, like the Chase Hyatt, Chase IHG Rewards, or Chase United MileagePlus® Explorer Card.

According to Doctor of Credit, Chase may soon stop approving folks for co-branded cards if they’ve opened ~5 or more credit cards (from any bank) in the past 24 months.

These Airline Hotel Cards May Soon Be Harder To Get
Considering Chase Airline or Hotel Cards? You Might Want to Apply Soon Because the Rules May Soon Change!

I do NOT have confirmation of these changes.  But I’ll share what I know and what you should do if you’ve been considering these cards!

What’s Happening?

Link:   New Rules for Chase Card Approvals and What to Do About It

Link:   Possible Exceptions to New Chase Approval Rules

Link:   Chase Ink Application Rules May Soon Be Changing

Last year, Chase made it harder for folks to get approved for Chase Ultimate Rewards point-earning personal cards like the Chase Sapphire Preferred or Chase Freedom.

If you’ve opened ~5 or more credit cards (from any bank) in the past 24 months, you’re unlikely to get approved (although some folks report exceptions).

And last month, I shared that these new rules would likely be extended to Chase Ultimate Rewards small business cards, like the Chase Ink Plus and Chase Ink Business Cash Credit Card, starting in March 2016.

Now, it’s rumored these restrictions will apply to Chase co-branded airline & hotel cards beginning some time in April 2016.

I do NOT have confirmation.  But Doctor of Credit reports the information comes from a trustworthy source.

These Airline Hotel Cards May Soon Be Harder To Get
If You’ve Opened ~5+ Credit Cards in the Past 24 Months, You Could Soon Have a Hard Time Getting Approved for ANY Chase Card

Cards the new rule could impact include:

These Airline Hotel Cards May Soon Be Harder To Get
Chase Airline and Hotel Cards Can Unlock REALLY Big Travel, Like the Southwest Companion Pass

If this is true, it’s bad news for folks in our hobby who already have lots of cards.  Chase has some of the best airline and hotel rewards cards for Big Travel with Small Money.  Including many of my favorite deals in travel!

What Should You Do?

If you’re new to our hobby, and haven’t yet applied for many cards, the rumored changes shouldn’t affect you in the short term.

But more seasoned miles & points enthusiasts often already have lots of cards.  So this change could narrow your options considerably if you’re thinking about new Chase cards.

If you’ve opened ~5+ cards in the past 24 months, you may want to apply for Chase co-branded cards soon.  And you’ll have some decisions to make, because Chase typically will NOT approve folks for more than 1 or 2 cards at a time.

1.   Evaluate Your Travel Goals

If you’re saving miles & points for a specific trip, this might be your cue to apply for the airline or hotel card that best fits your goals.

Even if your plans aren’t firm, you could consider cards that offer you the most flexibility.  For example, you can use United Airlines miles to book award flights on United Airlines and their Star Alliance partners.  So the Chase United Explorer card could be a good choice.

These Airline Hotel Cards May Soon Be Harder To Get
We’ve Used United Airlines Miles to Fly Partner Airlines Like Lufthansa

If you collect hotel points, the Chase Marriott Rewards Premier might be a solid option, because it has an improved 80,000 Marriott point sign-up bonus after meeting minimum spending requirements.

And Marriott and Starwood will merge later in 2016 to create the world’s largest hotel chain.  So you’ll have lots of destinations to choose from.

2.   Consider Once-in-a-Lifetime Experiences

Cards like the Chase Hyatt can open the door to luxury travel you might not otherwise experience.  With this card, you’ll earn 2 free nights at any Hyatt (including their top-category hotels!) after you complete the minimum spending requirements.

Emily and I used our Chase Hyatt nights at the Park Hyatt Paris – Vendome.  Rooms here can cost over $1,000 per night!

These Airline Hotel Cards May Soon Be Harder To Get
Splurge on a Luxury Stay With the Sign-Up Bonus From the Chase Hyatt Card

The sign-up bonus on this card is very valuable!  And it’s a terrific card to keep, because you’ll get a free night in a category 1 to 4 Hyatt each year on your card anniversary.  It’s a card I gladly pay the annual fee forHere’s my review.

3.   Don’t Forget the Southwest Companion Pass

If getting the Southwest Companion Pass is on your list, the new rules could make it much harder to get.  So applying for cards like the Chase Southwest Premier may be a priority!

That’s because you need to earn 110,000 Southwest points in a calendar year to earn the Southwest Companion Pass.  And applying for 2 Chase Southwest cards can get you most of the way there!

These Airline Hotel Cards May Soon Be Harder To Get
The Chase Southwest Cards Can Open the Door to the Best Deal in Domestic Travel!

I love Southwest because everyone gets 2 free checked bags and there are no change or cancellation fees.  It’s still my favorite deal in domestic travel!

4.   Go for the Big Bonuses

Increased sign-up bonuses come and go, but if the new rules take effect, you may not be able to take advantage of improved offers if you already have lots of cards.

For example, the Chase British Airways card currently offers a total of 100,000 British Airways Avios points after meeting the tiered spending requirements.  That’s the highest I’ve seen on this card.

These Airline Hotel Cards May Soon Be Harder To Get
You Can Use British Airways Avios Points for Flights to Europe. Or for Cheap Short-Haul Partner Airline Flights Closer to Home!

Even if you don’t want to earn the full bonus, this card is still a terrific deal.  Remember, you can use British Airways Avios points for cheap short-haul (under 1,150 miles) flights in the US on American Airlines or Alaska Airlines.  Or to book the cheapest awards to Hawaii from the West Coast!

As always, I’ll update you as soon as I hear more details about these changes.

Bottom Line

It’s now rumored that Chase will tighten the application rules for co-branded (airline and hotel) cards starting in April 2016.

Currently, if you’ve opened ~5+ credit cards in the past 24 months, it’s unlikely you’ll be approved for a Chase Ultimate Rewards point-earning personal card like the Chase Sapphire Preferred or Chase Freedom.  And in March 2016, Chase Ink small business cards may also be affected.

These rules may soon apply to ALL Chase cards.  So if you’ve had your eye on cards like the Chase Hyatt, Chase Marriott Rewards Premier, or Chase Southwest Premier, you should apply soon to be safe.

Chase has some of the best cards for Big Travel with Small Money.  So the new rules will make it much harder for many folks who already have lots of cards.

It’s a good reminder that our hobby is constantly changing, and we have to be ready to adapt.  I’ll share any updates I receive about this new development!

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Darius do you know anything about this -> applying in branch ?

I was coming back from LAS on March 15th and was persuaded to apply for the Southwest Chase card (premier?, 50K miles bonus after 2 grand) which goes along with the Plus one I already have and used on that flight (40K miles bonus after 1 grand). I am glad I applied when I did, however Chase only hits Experian which screws me up as they hit it twice in the fall. After spending 2 more gs, I should have about 70K miles left which should fund at least two if not three more trips to LAS over the next two years.

I agree with some opinions expressed above – my wife first got denied CSP roughly in October and now she got denied British Airways card despite non-waived AF and the fact that this is a cobranded card. Looks like Chase has already built a list of criteria to deny and ANY “consistent” applications in the past cause scrutiny in the process…

I guess Chase just got tired of being “bonus cow” for a long time lol.

I guess it is all luck of the draw. I have a credit score of mid 800’s and have never defaulted on a payment (always paid in full each month). Got turned down by Chase for a Chase Sapphire card application in January and now for a

Southwest Personal Card. Called Chase reconsideration line on both occasions, and each time still denied after chatting with the rep for over 10-15 minutes pleading my case. Credit History is not the consideration, nor the personal income for the denial. Just that I had opened TWO CARDS IN THE PAST 12 MONTHS!! This was what I was told each time.

Such bad news! My companion pass just expired at the end of 2015. I just canceled my personal Southwest Visa card (still have the business card), to avoid the annual fee. I opened the personal Visa in Feb. 2014 and received the 50,000 bonus in May 2014. I was planning to cancel my business card soon and reapply for the personal Southwest Visa in May and the business Visa in July of this year, so that it would be more than 24 months since I last received the bonus. I have opened more than 5 credit cards in the past 24 months. Is there anything I can do to still get these bonuses?

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