How many Chase credit cards can you get? (And which to get first)

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Chase credit cards are among the very best credit cards for travel. So it’s no wonder many of us in the miles and points hobby have a few in our wallets.

By far the most valuable Chase cards are those that earn Chase Ultimate Rewards points, like the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, because, with the right cards, you’ll have the flexibility to transfer points to travel partners like United Airlines and Hyatt. And Chase also issues a number of excellent branded airline credit cards and hotel credit cards, including Southwest, IHG, Marriott, British Airways, United Airlines, and Hyatt cards. It’s tempting to want them all.

But due to their strict application rules, you’ll have to plan your Chase card strategy carefully. Each individual will have a limit to how many Chase cards they can get – and it depends on a lot of factors.

My daughter and I visited the incredible Cliffs of Moher in Ireland last fall with miles and points earned from Chase credit cards. (Photo by Jasmin Baron)

How many Chase credit cards can you get?

Chase doesn’t publish official rules about how many cards you can have at once, but evidence suggests there is no hard limit to the number of Chase cards you can get. Instead, you’re restricted by the total amount of credit Chase is willing to extend you and that depends on your credit score, income, debt, and other factors.

For example, I’ve got six Chase cards (and am looking to add a couple more this year) and many other MMS staffers have even more.

If you’re denied because you’ve reached the maximum amount of credit Chase will give you, don’t give up just yet. Many people have had success calling the reconsideration line and offering to shift credit from their existing Chase accounts to get approved.

Other (unofficial) rules to follow when you’re applying for Chase cards:

  • Reports online and from our team suggest you won’t be approved for more than two personal Chase cards in 30 days, or more than one business card
  • Other evidence suggests no more than one business and one personal card in 90 days

To be safe, most recommend spacing out applications by 90 days or more. Chase is also sensitive if you’ve applied for a lot of other credit cards recently (even if you’re under 5/24). So, for example, if you’ve also applied for a bunch of Amex credit cards or Citi credit cards in the past couple of months, you might have a hard time getting approved and there are other specific restrictions to consider when it comes to Chase cards.

The Chase 5/24 rule is the biggest limitation

If you’re new to miles and points, we’ve always said to apply for the Chase cards you want first.  That’s because you won’t be approved for Chase cards if you’ve opened 5 or more cards from any bank (except certain business cards) in the past 24 months. This is referred to as the Chase 5/24 rule.

The 5/24 rule applies to every Chase credit card, that’s why we recommend applying for the Chase Sapphire Preferred Card (our #1 card for beginners) first. Alternately, if you know you’ll travel frequently, the Chase Sapphire Reserve is an equally good choice because it has tons of valuable benefits, like airport lounge access. You can no longer have both the Sapphire Preferred and Sapphire Reserve cards at the same time, so you’ll have to pick the one you like more.

If you qualify for small business cards (many people do and don’t even realize it), it makes more sense to start with Chase business credit cards, because they don’t appear on your personal credit report and won’t affect your 5/24 count. Your best bet is the Ink Business Preferred Credit Card because it comes with the highest welcome bonus of any Chase Ultimate Rewards card. I’ve got this card and love it for the additional perks like automatic cell phone insurance when you use the card to pay your bill.

From there, consider your travel goals and spending habits to decide which Chase cards to apply for next. Here’s a post explaining more about the best Chase credit card strategy for beginners and here’s how to figure out your 5/24 count.

But wait, there’s more! Other considerations once you’ve opened a few Chase cards

If you’ve been into miles and points for a while you might be a little sentimental thinking about the days when the Chase 5/24 rule wasn’t a thing. So there are a lot of us who may have had some of the best Chase credit cards in the past and are considering applying for them again. Here’s what you’ll need to be aware of.

With most Chase Cards, you must wait at least 24 months after earning a bonus to be eligible again

For most Chase cards, you’re not eligible to earn a bonus if you currently have the card, or have received a new cardmember bonus for the card in the past 24 months. Note that the language says “received a new cardmember bonus,” so the clock starts from when the bonus posted to your account, not when you were approved for the card. To see the restrictions specific to the card you’re interested in, click the “Offer Details” link on the card application page.

There’s one major exception.

If you’re interested in the Chase Sapphire Preferred or Chase Sapphire Reserve card, the terms say:

The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products.

So not only can you not have the Sapphire Preferred or Sapphire Reserve at the same time, but also you’re restricted from earning a bonus if you’ve received one from either card in the past 48 months.

A few Chase cards have rules specific to the airline or hotel brand

I’m getting into the weeds a bit here, but there are a few more rules to know if you’re interested in the Southwest, Marriott, Hyatt, or IHG cards.

Southwest personal cards

You can no longer have more than one personal Southwest card at a time. So if you’re interested in a personal Southwest credit card, keep in mind you’re not eligible if you already have a personal Southwest credit card (even a different version) or if you’ve earned the bonus on any personal Southwest card in the past 24 months. The Southwest Rapid Rewards® Premier Business Credit Card and Southwest Rapid Rewards® Performance Business Credit Card aren’t impacted by this rule.

The best part about the Southwest credit card bonuses is that the Southwest points you earn count toward earning a Southwest Companion Pass.

Marriott cards

After Marriott and Starwood merged, Chase (issuer of the Marriott cards) and Amex (issuer of the Starwood cards) implemented some new rules around their products with respect to the Marriott cards. The news rules are complicated and applying for a Chase Marriott card can impact your ability to open an Amex Marriott card and vice versa.

If you’re interested in applying for one of these cards, check out our post comparing all of the Marriott Bonvoy cards for more details.

The World of Hyatt Credit Card

The World of Hyatt Credit Card replaced the old Chase Hyatt credit card (no longer available to new applicants) last year. I’ve got the old version and am keeping it.

If you’re looking to apply for the World of Hyatt Card, keep in mind you can’t have both the old and new versions and if you’ve earned the bonus on either Hyatt card in the past 24 months, you’re not eligible either. The terms say:

The product is not available to either (i) current Cardmembers of any Hyatt Credit Card, or (ii) previous Cardmembers of any Hyatt Credit Card who received a new Cardmember bonus within the last 24 months.

It is possible to upgrade from the old version to the new, but you won’t earn the welcome bonus. One really cool thing about The World of Hyatt Credit Card – it comes with a free night at a category one to four Hyatt each card anniversary. That’s a big reason why folks hang on to it (or the previous version) year after year.

IHG Rewards Club Premier Credit Card

This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months

The same rules apply to the IHG® Rewards Club Traveler Credit Card. Essentially, all three IHG cards are considered different products.

Bottom line

Chase doesn’t have a hard limit on the number of cards you can have at once. Instead, there’s a maximum amount of total credit they’ll extend you. Some of us on the MMS team have six or more Chase credit cards.

That said, everyone is restricted by Chase’s stringent application rules, including:

  • Chase 5/24 rule – If you’ve opened five or more cards from any bank (except certain business cards) in the past 24 months, you won’t be approved for Chase cards
  • For most Chase cards, you’re not eligible to earn a bonus if you currently have the card, or have received a new cardmember bonus for the card in the past 24 months (exception – the Chase Sapphire cards require 48 months after earning a bonus on any Sapphire card)
  • You can no longer get the Chase Sapphire Preferred and Chase Sapphire Reserve at the same time – you’ll have to pick one
  • You can’t have more than one personal Southwest card at once
  • The Chase Marriott cards have tight restrictions if you’ve earned bonuses on those cards, or the former Amex Starwood cards
  • The World of Hyatt card isn’t available to you if you have the old version of the card (but you can upgrade)
  • The IHG Premier card is considered a different card product, so you can get it if you have the old version of the card or if you have the IHG Traveler card

The best strategy, if you’re new to miles and points, is to apply for the Chase cards you want first (the Chase Sapphire Preferred is our favorite card for beginners). And if you’ve been the hobby for a while, spacing out your card applications and choosing wisely depending on your travel goals is key to becoming eligible for more Chase credit cards.

What’s your plan for adding more Chase credit cards to your wallet?

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Featured image by Jeramey Lende/Shutterstock.

Meghan Hunter is a contributor to Million Mile Secrets, he covers topics on points and miles, credit cards, airlines, hotels, and general travel.

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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Rob
4 months ago

When you say you have 6 cards, do you mean 6 personal cards or a combo of personal and business?

Mar
7 months ago

I have the Chase C;ub Card and would like to cancel it and get the explorer card. I got the Sapphire Reserve Card a little more than a year ago. Can I still get points on the United Explorer card if I apply now?

Tom
8 months ago

To space out applications by 90 days or more, should I count from the day when I applied to the first card? Or should I count from the day when the first application was approved?

Drey
8 months ago

With the “One Sapphire Rule” do you know if I can still upgrade my Chase freedom Unlimited and regular Chase Freedom cards at there one year mark if I currently have the CSR. I’m aware I won’t get the bonus but I’m looking at adding more CSR’s for the $300 travel benefits?

Kelsey
8 months ago

Chase changed their policy and you can’t get a Sapphire of any kind if you’ve had any card from the Sapphire line in the last 48 months. I had a regular Sapphire for 10 years that I didn’t use and they declined me for the Reserve and wouldn’t give me the signup bonus for converting it, so I’m moving to the Amex. Four years seems like an unreasonable amount of time to me and it’s not worth the hassle.

Michaela
9 months ago

Hello,

Despite Chase 5/24 rule, I got approved for Chase Sapphire Preferred card after getting 6 credit cards within the last 12 months. Card# 4 of 6 was Chase Freedom Unlimited.
Not only I got approved, I had a special offer for 70,000 bonus points after spending $4,000 in the first 90 days.

I don’t know if 5/24 rule is so strict.

Andrew Wan
Reply to  Michaela
9 months ago

Were any of those 6 cards business cards? Certain business cards won’t count towards 5/24.

Jack
1 year ago

If my wife was an authorized user on my chase sapphire credit card, can she apply for the credit card herself and still be eligible for the bonus points? Thanks!

Andrew Wan
Reply to  Jack
1 year ago

Hi Jack,

Based on what I’ve read in online forums, yes, she should be able to earn her own welcome bonus.

Cindy
1 year ago

I have a Southwest Visa and my husband is an authorized user. Can he open his own Southwest Visa or will Chase deny it because they think he already has a Southwest Visa card?

Andrew Wan
Reply to  Cindy
1 year ago

Hi Cindy,

Yes, he should be able to open his own account as well.

Nicholas
1 year ago

Please add the Amazon Rewards Visa Signature Cards to the list. Got denied because of 5/24.

Kris
1 year ago

Great article, but bad news for me. I got the Saphire Reserve card a couple of months ago and already got the 50k points. My wife just applied for the Sapphire Preferred, she is stay at home Mom so I had her use my income, but instead of instant approval like me she got the email saying they would get back to her soon. Are they able to detect she has no income?

My next step after she got her 50k points was to refer me to the Sapphire Preferred, 10k referral bonus and 50k more for me, but looks like I have to wait 24 or 48 months to get bonus on Reserve and Preferred?? 🙁

jackie
1 year ago

curious what your policy is for answering questions posted in comments? i’ve written a number of different questions but never gotten any answers. do you try to answer all or is it just too many so you answer randomly? would it help to repost a question, if it didn’t get answered the first time? thanks, jackie

jackie
1 year ago

is the strategy to cancel the card after 6 months to a year after you get the bonus but not really using the card so that in two years you can reapply and get another bonus? that is what i’ve been doing – just cancelled sapphire (didn’t know it was 48 months before i can reapply-aaggghhh!) or is it after 24 months you can apply for the same card that you already have? my goal is to get the big sign up bonus, but if i’m holding onto a card for any length of time i thought that precluded me from getting the bonus again. i’d appreciate it if you could clarify this for me. thanks.

Justin
1 year ago

Keith – can you tell more about how you received 2 Ink Business Cars? Specifically, did you receive the bonus pts on the second card? I had always thought that even though business accounts are separate from your personal credit…your social is still tied to them and prevented getting a second card/bonus even for a second legitimate business that you also own. Any additional info on your experience with this would be awesome!

Keith
Reply to  Justin
1 year ago

Hi Justin – yes, I earned the 80,000-point sign-up bonus on the second card. Each issuer has different rules, but with Chase it’s possible to have more than one of the same business card if you have multiple businesses. In my case, I applied for both using my Social Security Number but had different business names for each card. Hope this helps!

Mehrun S Bhojani
1 year ago

In past its was said that you finds in my Credit Report something and as such your good offices rejected my request to reopen my Account of Credit Card whereas there might be other person’s with similiar name of mine might be at fault. Thanks with kindest regards. Mehrun S. Bhojani.

Trup
1 year ago

I am torn on which card to apply for next. I just got down this month to 4/24. So debating whether to apply for a business card first and then for the SW Personal card on the same day. Or apply for the SW Personal card and then being at 5/24, and waiting about 90 days until i am at 4/24 to apply for a new business card.

Jasmin
Reply to  Trup
1 year ago

Hi Trup – I’m in a somewhat similar situation, and it’s a toughie because there’s such a short timeframe to apply for the limited time offers on the Southwest personal cards (ending February 11, 2019).

I guess it depends on how badly you want the Southwest card (because there’s a chance you won’t get approved for it after applying for the business card first on the same day). I’m going to bite the bullet and do the Southwest this week, then wait a few months before applying for a new Chase business card. Please let us know what you decide to do and how it turns out!

John
1 year ago

I just applied for the CIP (I’m at 3/24, so this would be #4). I had gotten the CSR in October. I have a Tax ID # and am a registered LLC but with no income yet, since I just started my business. I got an automated message saying they have to review. How long should I wait before attempting to follow up? All of my other applications were approved immediately. Thanks!

Keith
Reply to  John
1 year ago

Hi John – the Ink Business Preferred actually won’t count as #4 toward your 5/24 limit because it’s a small business card. And Chase small business cards don’t appear on your personal credit report, so they’re not included in the 5 card count.

In any event, when my applications go pending, I typically call Chase within a few days to see if there’s any information I can provide to help them make a decision. Sometimes, they just need to verify a piece of data on your application or ask a few follow up questions. Let us know how it goes!

John
Reply to  Keith
1 year ago

I actually got a call from Chase this morning and they just asked me a few questions and approved me. I should have the card within two weeks. I had applied on the 16th so with the holiday weekend, it wasn’t really that long.

Andrew W
Reply to  John
1 year ago

Woohoo! Congrats on the approval!

I’ve found those verification phone calls to be fairly common, especially if they’re going to issue an approval.

Tt
1 year ago

You forgot to mention that with each new Chase Cc application, the threat of getting a complete shutdown grows exponentially

Keith
Reply to  Tt
1 year ago

Hi Tt – unless you’re violating terms & conditions of a card, I wouldn’t worry about a shutdown. I have 12 Chase cards.

josh
1 year ago

Wow, these rules have gotten much stricter. I had been planning to apply for a Marriott card after getting under 5/24, but now I see I would need to cancel my amex spg card to do so.

Jasmin
Reply to  josh
1 year ago

Hi josh – Yes, they changed the rules last summer around the time the Marriott/Starwood merger was wrapping up.

Brett
1 year ago

So at first I was going back and forth between csr & csp. Decided csr. But now I think about cip. Have CIC and ciu. And with CIC already get 5x on internet etc plus 2x on dining. Just seems no real need for cip over csr.

Keith
Reply to  Brett
1 year ago

Hi Brett – I have the CSR and CIP. I keep the CSR for 3X on travel & dining. The CIP is great for cell phone and insurance and 3X on categories beyond travel.