How Many Chase Credit Cards Can You Get? (And Which to Get First!)

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How Many Chase Credit Cards Can You Get? (And Which to Get First!)

JasminHow Many Chase Credit Cards Can You Get? (And Which to Get First!)Million Mile Secrets Team

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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, 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 and hotel 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.

If you’re looking to learn how to make the most of your miles & points, subscribe to our email newsletter and we’ll send you new tips and tricks every day!

My Daughter and I Visited the Incredible Cliffs of Moher in Ireland Last Fall With Miles and Points Earned From Chase Credit Cards

Here’s what to know about Chase credit cards and how many you’re eligible for.

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 6 Chase cards (and am looking to add a couple more this year).  Scott also has 6 Chase cards, Harlan has 7 Chase cards, and Keith takes the team title for collecting the most Chase cards with a whopping 12 (including 7 Chase Ultimate Rewards cards) in his wallet.  (He’s our very own credit card equivalent of a crazy cat lady).  🙂

Million Mile Secrets Team Member Keith Uses All 3 Chase Ink Cards. The Signup Bonuses Alone Earned Him 180,000 Chase Ultimate Rewards Points Worth $2,250.
Keith’s Got More Than a Few Chase Credit Cards in His Wallet

If you’re denied because you’ve reached the maximum amount of credit Chase will give you, don’t give up just yet.  Many folks 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 2 personal Chase cards in 30 days, or more than 1 business card
  • Other evidence suggests no more than 1 business and 1 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 cards from AMEX or Citi in the past couple of months, you might have a hard time getting approved.

And there are other significant restrictions to consider when it comes to Chase cards.

The Chase 5/24 Rule Is Now 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 commonly referred to as the Chase 5/24 rule.

The 5/24 rule applies to valuable travel credit cards like:

The information for the Chase Freedom, Chase Freedom Unlimited, United MileagePlus Club Card, United MileagePlus Club Business Card, Marriott Rewards Premier Business Credit Card, IHG Rewards Club Traveler Credit Card, Iberia Visa Signature Card, and Aer Lingus Visa Signature Card has been collected independently by Million Mile Secrets.  The card details on this page have not been reviewed or provided by the card issuer.

Folks who are just getting started should consider the Chase Sapphire Preferred (our #1 card for beginners) first.  Alternately, if you know you’ll travel frequently, the Chase Sapphire Reserve is an equally good choice.  You can no longer have both cards, so you’ll have to pick the one you like more.

If you’re eligible for small business cards (many folks are and don’t even realize it!), it makes more sense to start with Chase business 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 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.

Running a Business is Stressful Enough. Don't Stress About Your Phone Thanks to Cell Phone Insurance With Chase Ink Business Preferred
A Few of Us on the Team Have Had Unfortunate Phone Mishaps Like This.  You’re Covered When You Pay Your Bill With the Ink Business Preferred

From there, consider your travel goals and spending habits to decide which Chase cards to apply for next.  Here’s a post from Scott 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 Had a Few Chase Cards

Folks who’ve been into miles and points for a while usually get 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.

1.  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.

Kick Back and Relax, Because You’ll Be Waiting for at Least 48 Months Before You’re Eligible for Another Chase Sapphire Card Bonus

So not only can you NOT get the Chase Sapphire Preferred or Chase 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.

2.  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 the incredible limited-time offers (until February 11, 2019) from the Southwest Rapid Rewards Plus, Southwest Rapid Rewards Premier, and Southwest Rapid Rewards Priority cards, 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.

These cards come with a Southwest Companion Pass (the best deal in travel!) valid through December 31, 2019 AND 30,000 Southwest points after spending $4,000 on purchases within the first 3 months of account opening.

Earning the Southwest Companion Pass With a Single Card Bonus Is an Incredible Deal – But Be Sure You’re Eligible Before You Apply

The Southwest Rapid Rewards® Premier Business Credit Card isn’t included in this rule.

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 Chase Marriott cards:

  • Current cardmember of the Marriott Rewards® Premier or Marriott Rewards® Premier Plus credit card, or
  • Previous cardmember of the Marriott Rewards Premier or Marriott Rewards Premier Plus credit card who received a new cardmember bonus within the last 24 months

You’re can’t get the card at all.  And you don’t qualify for the bonus if:

You Can Redeem Marriott Points for Luxury Stays at Hotels Like the St. Regis, Abu Dhabi. The Kids and I Stayed There Last Year and It Was Incredible

Marriott Rewards Premier Business Credit Card – You’re not eligible for the bonus if:

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.

Hyatt Points Can Get You Tremendous Value at High-End Hotels Like the Park Hyatt Milan

One really cool thing about The World of Hyatt Credit Card – it comes with a free night at a category 1 to 4 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 Card.  Essentially, all 3 IHG cards are considered different products.

The IHG® Rewards Club Premier Credit Card also comes with an anniversary free night at IHG hotels costing 40,000 points or less.

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 6, 7, or even 12 Chase credit cards!

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

  • Chase 5/24 rule – If you’ve opened 5 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 (like the Southwest Rapid Rewards Plus, Southwest Rapid Rewards Premier, and Southwest Rapid Rewards Priority)
  • The Chase Marriott cards have tight restrictions if you’ve earned bonuses on those cards, or the 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

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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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 "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, 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

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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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

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.

Author

Hi Jackie – Sorry for the delayed reply – it’s best to keep a card for a year to try it out and see how you enjoy the perks and spending categories. Banks don’t like it if you apply just to get the bonus and cancel right away.

Here’s a post outlining some of the rules around Chase cards that might be helpful for your situation:

https://millionmilesecrets.com/guides/how-many-chase-credit-cards-can-you-get/

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!

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!

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.

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.

Author

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!

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