Is It Harder to Get Chase Airline, Hotel, and Small Business Cards Now?

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Is It Harder to Get Chase Airline, Hotel, and Small Business Cards Now?

Million Mile SecretsIs It Harder to Get Chase Airline, Hotel, and Small Business Cards Now?Million Mile Secrets Team

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Million Mile Secrets reader, Jamie, tweeted:

Jamie is asking about rumors that Chase will not approve folks for any of their cards if they’ve opened more than 5 cards with ANY bank in the previous 24 months.

This rule is in effect for Chase cards that earn valuable Chase Ultimate Rewards points, like the Chase Sapphire Preferred and the new Chase Freedom Unlimited card.

But so far, it seems Chase small business cards (like the Chase Ink Plus) and their airline and hotel cards (like the Chase United MileagePlus® Explorer and Marriott Rewards® Premier Credit Card) are exempt from this rule – at least for now.

Is It Harder To Get Chase Airline Hotel And Small Business Cards Now
Green Means Go! So Far, Chase Airline, Hotel, and Small Business Cards Seem Safe From Chase’s New Rules. Get Them While You Can!

However, reports are mixed.  And Chase could change their rules at any time, so proceed with caution!

What’s Going On?

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

For a while, there have been rumors Chase would apply stricter rules to Chase small business cards like Chase Ink Plus and Chase Ink Business Cash Credit Card.  And to co-branded airline and hotel cards, like the Chase Hyatt, Chase IHG Rewards Club Select Credit Card, and Chase United Explorer, starting April 2016.

Is It Harder To Get Chase Airline Hotel And Small Business Cards Now
Figuring Out the New Chase Rules Feels Like a Game of Telephone! But Lots of Folks Say Chase Airline, Hotel, and Small Business Cards Don’t Have Tighter Approvals Yet

April came and went, and lots of folks on FlyerTalk report being able to get Chase airline, hotel, and small business cards – even with 5 or more new cards in the previous 24 months.

And folks in the comments of this post say similar things, with new Chase cards opened as recently as this month!

Chase hasn’t put anything in writing one way or the other.  Until they do, we have to rely on reports and speculation.  And even though some folks have had success opening new Chase cards, others have been denied.

Should You Try to Get a New Chase Card?

I’ll always do my best to tell you what’s right.

It seems, for now at least, you can get a new Chase airline, hotel, or small business card even if you’d had more than 5 new cards in the past 24 months.

Is It Harder To Get Chase Airline Hotel And Small Business Cards Now
The Sign-Up Bonus on the Chase United Explorer Card Is Enough to Fly to Rome One-Way in Coach! If You Have Good Credit and a Positive Relationship With Chase, You Might Decide to Apply for Another Chase Card

Friends of mine report success with opening new Chase cards recently.  But, lots of factors go into an approval, including your credit history, relationship with Chase, and annual income.

If you have good credit and a high credit score, it seems safe to put in an application.

It’s tough to make a decision based on hearsay.  But because we don’t have a firm answer, you’ll have to decide what’s best for you.

That said, if you decide to apply for a new Chase card, I’d do it sooner rather than later.  Because Chase could change their rules any time.

If you’ve had an experience recently, please tell us about it!

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Chase Sapphire Preferred® Card

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  • 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

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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Darrius, I have a question. I have recently been targeted for both the United Mileage Explorer card and the SW rapid rewards visa for 50,000 points. Currently I have 7 new cc accounts in one year including CSP and Hyatt. My question is, if I apply for and receive the SW card, can I transfer Amex SPG points into Southwest to help me reach the companion pass? I have read that I cannot do that with CSP. Thanks!

I was denied when I applied for the Marriott Rewards® Premier Visa® Card from Chase Canada. The “official” reason was that I already have a card with Chase (which is true)…

I have obtained 6 new cards (2 Chase, 2 Barclay, 1 AmEx, 1 Citi) in the past 15 months and wasn’t sure if I could get the Chase Freedom or Freedom Unlimited. So, I applied for both simultaneously (separate computers, different browsers). The Freedom was approved immediately (with a crazy high credit limit) but for the Freedom Unlimited I got a message to call in to Chase’s credit fulfillment center. They asked about why I had acquired so many CCs recently and I said I was just responding to the promotions sent me and I wanted to try out the different features of each. They said that was fine, but they could only add this one if they took some of the credit limit from another card. So, I chose another card (United Mileage Explorer) to take a few thousand off that credit and put on this one. Voila! I was approved for two more Chase cards.

Not sure if this would work for anyone else, but figured it was worth sharing.

Nope for me. Tried to apply for Chase United Business card in March and was denied citing too many accounts. Chase didn’t approve any business card for me for quite some time now. Though I’ve got IHG and Hyatt and BA with Chase recently… My bf has new Hyatt, BA, United and United Business recently. Go figure!

I’m wondering if Chase will continue to leave the door a crack open on reconsideration calls or start enforcing 5/24 on co branded cards.If they start enforcing my wife and I are both locked out. We just got a couple of new Chase cards 2 months ago with existing credit realignment.We probably should lay low and apply with other banks for 6 months or more. But we don’t want to pass if we might be locked out. We also worry about the danger of a Chase accounts shut down if we push it too far.I have 8 Chase and my wife has 4.

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