How Many Chase Cards Can You Get?

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How Many Chase Cards Can You Get?

Million Mile SecretsHow Many Chase Cards Can You Get?Million Mile Secrets Team

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Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers. 

Million Mile Secrets reader, Bobby, commented:

How important is diversifying your relationships with different banks?

For my next round of applications, I am considering the Chase Hyatt and British Airways cards, but this would give me 5 Chase cards, including the Chase Sapphire Preferred.

Is there anything wrong with this or am I just overthinking it?  Will Chase allow me to apply for 2 cards on the same day and 4 in 6 months?

Chase has some of the best travel reward cards available.  So it’s no wonder why Bobby wants to sign-up for so many of them!

How Many Chase Cards Can You Get Why It's Important To Apply For Cards From Different Banks
Can Bobby Get 5 Chase Cards?

How many Chase cards are too many?  And why should you apply for cards from different banks?

How Many Chase Cards Can You Have?

When you apply for too many cards within a relatively short period of time, it’s a red flag.  Banks get concerned that you may not be able to pay your bills on time.

Lately, Chase has become more strict in an effort to target folks who sign-up for cards, earn the bonus, then cancel right away.  So if you’ve applied for ~5 or more cards (from any bank) within the last 2 years, your application may not be approved for Chase Ultimate Rewards cards which include:

Bobby is getting close to this limit.

But many folks have still been approved for even more than 5 Chase cards.  And this rule seems to vary by individual and there are exceptions.

How Many Chase Cards Can You Get Why It's Important To Apply For Cards From Different Banks
Chase Doesn’t Have Rules About How Many Cards You Can Have in Writing.  And Folks Report Different Experiences

Ultimately, whether or not Bobby will be approved for new Chase cards, in part, depends on his credit score and relationship with Chase.

Note:   Some folks have been approved for 2 Chase cards in 1 day.  But it depends on many factors, and there are no guarantees.

Make Sure You’re Building a Solid Foundation With Chase!

Link:   3 Keys to Get Approved for Credit Card Offers From Chase & Other Banks

Again, Chase has great rewards cards.  So it’s important to be a good customer!  One of the best ways to do this is to sign-up for a no annual fee card.

Everyone should have a no annual fee card because you never have to cancel.  This will help you build a long-term relationship with the bank and get approved for more cards in the future.

So Bobby may want to apply for a no annual fee card like the Chase Freedom or Ink Cash instead, before he hits the limit of the number of cards Chase is willing to give him.

How Many Chase Cards Can You Get Why It's Important To Apply For Cards From Different Banks
No Annual Fee Cards Like the Chase Freedom or Ink Cash Can Help You Show Chase You Know How to Handle Credit Responsibly Over Time

I’ve kept my Chase Sapphire Preferred card for years and paid the annual fee.  Because, for me, it’s worth it for the Big Travel I get when I transfer points to Hyatt, United Airlines, and Southwest.

I love to use my Chase Ultimate Rewards points for international trips in Business Class and First Class on United Airlines partners such as Lufthansa.

And I recently moved Chase Ultimate Rewards points to Hyatt so I could surprise my mom for her 60th birthday with a stay at the luxurious Park Hyatt Sydney!

It’s Important to Spread Out Your Applications

Link:   Why You Should Apply for Cards From Different Banks

Banks use different credit bureaus to view your credit report.  By applying for cards from different banks you can spread out your credit pulls.  This will help ensure you can get approved for more credit cards and earn more miles and points for Big Travel.

Over the long-term, it’s important to sign-up for credit cards from banks other than Chase.  That’s because banks typically do NOT like to see lots of inquiries on 1 credit report.

How Many Chase Cards Can You Get Why It's Important To Apply For Cards From Different Banks
Spreading Out Your Applications Will Keep You Eligible for the Best New Offers

If you’re applying for lots of cards, banks worry that you’re a risk and you may not be able to pay your bills.

While it’s not an exact science, there are databases that will give you an idea of which credit bureau the bank will use for your application.

Bottom Line

This year, Chase developed new rules to discourage folks from signing-up for cards only to earn the bonus then turn around and cancel.

So if you have ~5 or more new cards (from any bank!) in the last 24 months, your application for Chase-branded cards may be denied.

But this rule is targeting folks who cancel cards right after earning the bonus.  And there are exceptions.  So you may be able to get approved for more.

In order to help ensure you can keep getting approved for Chase cards, it’s a smart move to sign-up for a no annual fee card like the Chase Freedom or Ink Cash early on.  These cards will help you build trust with Chase.

And applying for cards from different banks is important.  Because banks do NOT like to see lots of inquiries on 1 credit report.

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 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, 50,000 points are worth $625 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

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I just applied and was approved for (after calling in) both the Southwest Rapid Rewards Premier and Southwest Rapid Rewards Plus cards on Friday. I had just opened the IHG card on Oct. 8 (about 40+ days ago) and have had the CSP and Freedom for 2.5 years and 1 year, respectively. That brings my chase total to 5 now (although only the CSP and Freedom are UR cards, obviously).

Interestingly, though, the rep on the phone didn’t want to approve both cards because Chase “doesn’t approve more than 2 cards within 30 days.” I kindly pointed out that the IHG card was actually more than 30 days ago, and then further gave my rationale for wanting both SW cards (which she also asked about). She admitted that the IHG card was more than 30 days ago, but reiterated that it was still pretty recent. I had to move a little credit around from my IHG card but she approved both new SW cards right then. I wonder how hard and fast the 30-day rule is.

Incidentally, I applied for both the SW personal cards because I was denied on my application for the SW premier business the day before (explanation on the phone was that I didn’t have enough business revenue–about $3400). I had been planning on both the premier personal and premier business to get the SW Companion Pass early in 2016. Plan B is now in effect–only 90,000 miles from both personal cards instead of the 100,000 miles I would have gotten, but that’s still pretty good (and $30 cheaper on the fee at least).

If you are not a busy bee yet ( applied 5+ times in 24 months) load up CSP and INK and Freedom and then you can walk into the dreamland:

Me 8 Chase cards , just let go United to dodge Annual fees . GOT HYATT and SW after the “5+ application ” radar went up:)

A couple I just met in CA got 5 cards each ( 7 Chase cards – 4 and 3, 3 AMEX 1 -1 and 2) in 3ish months. Obviously the 30 days wait period for a 2nd card at chase was broken. ( ie probably never a rule like that there )

@Daraius Does Chase have a time frame you need to wait between apps for the same card (I’m thinking the Ink/Sapphire family), and is the policy different for personal vs. biz cards (as it is for Amex)? An update on this topic (or a link to a previous post) would be very helpful. Thx.