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

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Sapphire Chase credit cards are a few of the very nice credit cards for journey. So it’s no surprise many of us in the miles and factors interest have some in our wallets.

By far the most precious Chase cards are people who earn Chase Ultimate Rewards points, like the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, due to the fact, with the proper cards, you’ll have the power to switch points to tour companions like United Airlines and Hyatt. And Chase additionally problems a number of fantastic branded airline credit playing cards and inn credit cards, consisting of Southwest, IHG, Marriott, British Airways, United Airlines, and Hyatt cards. It’s tempting to want them all.

But because of their strict software rules, you’ll have to plot your Chase card strategy carefully. Each individual may have a restriction to how many Chase cards they can get – and it depends on lots of factors.

Biggest Offer from Chase

Sapphire The Chase Sapphire Preferred Card now gives an accelerated welcome bonus of 100,000 bonus factors after spending $4,000 on purchases in the first three months from account opening. Apply right here to experience at least $1,700 in fee from this bonus on my own based totally on our valuations.

How many Chase credit score cards are you able to get?

Chase doesn’t post respectable guidelines approximately how many playing cards you can have at Sapphire once, but proof indicates there is no hard restriction to the range of Chase cards you can get. Instead, you’re limited via the whole amount of credit score Chase is inclined to extend you and that depends in your credit score score, earnings, debt, and different factors.

For instance, I’ve got six Chase playing cards (and am looking to upload a couple extra this year) and many other MMS staffers have even greater.

If you’re denied because you’ve reached the most amount of credit score Chase will come up with, don’t surrender simply yet. Many people have had achievement calling the reconsideration line and imparting to shift credit from their present Chase bills to get accredited.

Other (unofficial) regulations to observe when you’re making use of for Chase playing cards:

Reports on-line and from our group propose you gained’t be approved for greater than two private Chase cards in 30 days, or more than one enterprise cardOther evidence indicates no multiple commercial enterprise and one private card in ninety days

To be secure, maximum suggest spacing out applications by using ninety days or extra. Chase is likewise sensitive in case you’ve applied for quite a few other credit score playing cards recently (even if you’re beneath five/24). So, as an example, if you’ve additionally implemented for a gaggle of Amex credit score playing cards or Citi credit cards within the beyond couple of months, you may have a hard time getting accredited and there are other particular regulations to recollect in terms of Chase cards.

Trying to pinpoint Chase factors price? Here’s what our hours of research show. (Photo through Wyatt Smith)The Chase five/24 rule is the largest drawback

If you’re new to miles and factors, we’ve usually said to use for the Chase playing cards you want first.  That’s because you won’t be authorised for Chase playing cards in case you’ve opened five or greater cards from any bank (besides sure enterprise cards) in the beyond 24 months. This is referred to as the Chase 5/24 rule.

The 5/24 rule applies to each Chase credit card, that’s why we propose applying for the Chase Sapphire Preferred Card (our #1 card for novices) first. Alternately, if you realize you’ll tour regularly, the Chase Sapphire Reserve is an similarly true preference because it has lots of treasured benefits, like airport front room access. You can now not have both the Sapphire Preferred and Sapphire Reserve playing cards on the equal time, so you’ll should pick the one you want greater.

If you qualify for small enterprise cards (many humans do and don’t even understand it), it makes more feel to begin with Chase business credit score playing cards, because they don’t seem to your personal credit score record and won’t have an effect on your five/24 matter. Your exceptional bet is the Ink Business Preferred Credit Card as it comes with the highest welcome bonus of any Chase Ultimate Rewards card. I’ve were given this card and adore it for the extra perks like computerized cellular smartphone insurance whilst you use the cardboard to pay your bill.

From there, don’t forget your travel dreams and spending habits to decide which Chase cards to apply for next. Here’s a post explaining extra about the fine Chase credit card approach for novices and here’s a way to figure out your five/24 remember.

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

If you’ve been into miles and factors for some time you is probably a bit sentimental considering the days whilst the Chase 5/24 rule wasn’t a aspect. So there are quite a few us who may have had a number of the pleasant Chase credit playing cards inside the beyond and are considering making use of for them once more. Here’s what you’ll want to be aware about.

With maximum Chase Cards, you must wait at least 24 months after incomes an advantage to be eligible once more

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

There’s one essential exception.

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

The product is not to be had to either (i) present day cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit score card who received a new cardmember bonus in the final forty eight months. If you are an present Sapphire client and would like this product, please call the variety on the back of your card to look if you are eligible for a product exchange. You will not acquire the new cardmember bonus in case you trade products.

So no longer only are you able to now not have the Sapphire Preferred or Sapphire Reserve at the same time, however also you’re restricted from incomes a bonus if you’ve acquired one from either card within the past 48 months.

A few Chase playing cards have policies particular to the airline or lodge emblem

I’m getting into the weeds a chunk here, however there are a few greater rules to recognize if you’re inquisitive about the Southwest, Marriott, Hyatt, or IHG cards.

Southwest personal cards

You can no longer have multiple private Southwest card at a time. So in case you’re interested in a non-public Southwest credit card, preserve in thoughts you’re no longer eligible in case you have already got a personal Southwest credit card (even a one-of-a-kind model) or in case you’ve earned the bonus on any private Southwest card in the beyond 24 months. The Southwest Rapid Rewards® Premier Business Credit Card and Southwest Rapid Rewards® Performance Business Credit Card aren’t impacted through this rule.

The pleasant part about the Southwest credit card bonuses is that the Southwest factors you earn remember closer to earning a Southwest Companion Pass.

Marriott playing cards

After Marriott and Starwood merged, Chase (provider of the Marriott playing cards) and Amex (company of the Starwood playing cards) carried out a few new rules round their merchandise with appreciate to the Marriott cards. The news rules are complicated and making use of for a Chase Marriott card can effect your capability to open an Amex Marriott card and vice versa.

If you’re inquisitive about making use of for this kind of playing cards, check out our post comparing all the Marriott Bonvoy cards for extra details.

World of Hyatt Credit Card

The World of Hyatt Credit Card changed the old Chase Hyatt credit score card (no longer to be had to new applicants) final year. I’ve were given the antique model and am preserving it.

If you’re seeking to observe for the World of Hyatt Card, maintain in mind you may’t have each the antique and new versions and in case you’ve earned the bonus on both Hyatt card within the past 24 months, you’re no longer eligible both. The phrases say:

The product isn’t always available to either (i) modern-day Cardmembers of any Hyatt Credit Card, or (ii) preceding Cardmembers of any Hyatt Credit Card who acquired a new Cardmember bonus inside the closing 24 months.

It is feasible to upgrade from the antique version to the brand new, however you won’t earn the welcome bonus. One simply cool factor approximately the World of Hyatt Credit Card – it comes with a unfastened night time at a class one to 4 Hyatt every card anniversary. That’s a massive cause why folks hold on to it (or the preceding model) yr after yr.

IHG Rewards Club Premier Credit Card

TheIHG® Rewards Club Premier Credit Card also replaced the vintage (no longer to be had) Chase IHG card (yeah, I’ve were given this one too). In this case, you are eligible for the bonus at the new edition even in case you still have the antique version. The most effective restriction is that you may’t get the IHG® Rewards Club Premier Credit Card in case you’ve already got one open, or earned an advantage at the very identical card within the beyond 24 months. From the terms:

This product isn’t always to be had to both (i) modern cardmembers of this credit card, or (ii) previous cardmembers of this credit score card who acquired a new cardmember bonus for this credit score card in the remaining 24 months

The identical regulations apply to the IHG® Rewards Club Traveler Credit Card. Essentially, all three IHG cards are taken into consideration different products. The statistics for the IHG Traveler Card has been accumulated independently through Million Mile Secrets. The card information on this page have no longer been reviewed or supplied by using the card provider.          

Bottom line

Chase doesn’t have a hard limit on the quantity of playing cards you can have at once. Instead, there’s a maximum quantity of general credit score they’ll amplify you. Some of us at the MMS crew have six or greater Chase credit score cards.

That said, all people is constrained via Chase’s stringent utility guidelines, inclusive of:

Chase 5/24 rule – If you’ve opened five or more cards from any bank (besides sure enterprise cards) within the past 24 months, you gained’t be authorized for Chase cardsFor most Chase cards, you’re now not eligible to earn an advantage if you presently have the card, or have acquired a brand new cardmember bonus for the cardboard within the past 24 months (exception – the Chase Sapphire playing cards require 48 months after earning an advantage on any Sapphire card)You can now not get the Chase Sapphire Preferred and Chase Sapphire Reserve at the identical time – you’ll have to pick oneYou can’t have more than one private Southwest card without delayThe Chase Marriott cards have tight regulations if you’ve earned bonuses on those playing cards, or the previous Amex Starwood playing cardsThe World of Hyatt card isn’t available to you when you have the old model of the card (however you could improve)The IHG Premier card is taken into consideration a distinctive card product, so that you can get it if you have the vintage version of the card or if you have the IHG Traveler card

The nice method, in case you’re new to miles and points, is to apply for the Chase playing cards you want first (the Chase Sapphire Preferred is our favored card for beginners). And in case you’ve been the hobby for a while, spacing out your card packages and deciding on accurately relying on your travel goals is prime to turning into eligible for greater Chase credit score playing cards.

What’s your plan for including extra Chase credit score cards in your pockets?

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Featured photograph by Jeramey Lende/Shutterstock.

Chase Sapphire Preferred® Card

Our first-class offer ever! Earn one hundred,000 bonus points once you spend $4,000 on purchases inside the first three months from account commencing. That’s $1,250 whilst you redeem via Chase Ultimate Rewards®.

Earn 2X factors on dining consisting of eligible delivery services, takeout and eating out and tour. Plus, earn 1 point in keeping with dollar spent on all other purchases.

Get 25% extra fee while you redeem for airfare, accommodations, vehicle leases and cruises via Chase Ultimate Rewards®. For example, a hundred,000 factors are worth $1,250 toward tour.

With Pay Yourself Back℠, your factors are really worth 25% extra at some point of the present day offer when you redeem them for assertion credit towards current purchases in select, rotating categories.

Get unlimited deliveries with a $zero delivery charge and decreased service costs on eligible orders over $12 for at the very least 12 months with DashPass, DoorDash’s subscription carrier. Activate by 12/31/21.

Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.

Get as much as $60 returned on an eligible Peloton Digital or All-Access Membership via 12/31/2021, and get complete access to their exercise library via the Peloton app, including cardio, jogging, power, yoga, and more. Take instructions the usage of a smartphone, pill, or TV. No health device is required.

Intro APR on purchases

N/A

Regular APR

15.99%-22.99% Variable

Balance Transfer Fee

Either $5 or 5% of the quantity of every switch, whichever is extra.

Rates & Fees

Annual Fee $ninety five

Other

Credit NeededExcellent/Good

Issuer Chase

Card Type Visa

Meghan Hunter is an editor for Million Mile Secrets. She covers points, miles, credit cards, airways, inns and standard tour. Her paintings has additionally seemed in The Points Guy.

Editorial Note: We’re the Million Mile Secrets team. And we’re pleased with our content material, reviews and evaluation, and of our reader’s comments. These haven’t been reviewed, accepted or endorsed by any of the airlines, lodges, or credit card issuers which we often write approximately. And that’s simply how we find it irresistible! 🙂

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