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

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Chase credit score playing cards are a few of the very exceptional credit score playing cards for tour. So it’s no surprise lots of us inside the miles and points interest Sapphire have a few in our wallets.

By a ways the maximum precious Chase cards are people who earn Chase Ultimate Rewards points, like the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, because, with the proper cards, you’ll have the power to switch factors to journey partners like United Airlines and Hyatt. And Chase additionally issues some of tremendous branded airline credit playing cards and inn credit score cards, which includes Southwest, IHG, Marriott, British Airways, United Airlines, and Hyatt playing cards. It’s tempting to want all of them.

But because of their strict utility guidelines, you’ll have to plot your Chase card approach carefully. Each man or woman may have a restrict to how many Chase cards Sapphire they are able to get – and it relies upon on a lot of factors.

Biggest Offer from Chase

The Chase Sapphire Preferred Card now gives an increased welcome bonus of one hundred,000 bonus factors after spending $four,000 on purchases in the first 3 months from account establishing. Apply right here to revel in as a minimum $1,700 in value from this bonus alone based on our valuations.

How many Chase credit cards can you get?

Chase doesn’t publish professional guidelines approximately how many cards you can have at once, but evidence suggests there is no hard limit to the quantity of Chase cards you could get. Instead, you’re confined with the aid of the overall amount of credit Chase is willing to increase you and that depends on your credit score score, income, debt, and different elements.

For instance, I’ve got six Chase playing cards (and am seeking to add a couple extra this 12 months) and lots of other MMS staffers have even more.

If you’re denied due to the fact you’ve rSapphire eached the most quantity of credit Chase will come up with, don’t give up just yet. Many people have had fulfillment calling the reconsideration line and supplying to shift credit score from their present Chase money owed to get permitted.

Other (unofficial) guidelines to observe whilst you’re applying for Chase playing cards:

Reports on-line and from our group suggest you gained’t be authorised for extra thanpersonal Chase playing cards in 30 days, or a couple of enterprise cardOther evidence suggests no a couple of enterprise and one non-public card in ninety days

To be secure, maximum advocate spacing out packages with the aid of ninety days or more. Chase is likewise sensitive in case you’ve applied for a variety of different credit playing cards these days (even in case you’re underneath five/24). So, for example, if you’ve additionally applied for a bunch of Amex credit playing cards or Citi credit cards inside the past couple of months, you may have a difficult time getting permitted and there are different unique regulations to keep in mind on the subject of Chase playing cards.

Trying to pinpoint Chase factors price? Here’s what our hours of research show. (Photo by means of Wyatt Smith)The Chase 5/24 rule is the biggest drawback

If you’re new to miles and points, we’ve always said to apply for the Chase playing cards you want first.  That’s due to the fact you won’t be authorised for Chase cards if you’ve opened 5 or greater cards from any bank (besides certain business cards) within the past 24 months. This is called the Chase five/24 rule.

The five/24 rule applies to every Chase credit card, that’s why we endorse making use of for the Chase Sapphire Preferred Card (our #1 card for beginners) first. Alternately, if you recognize you’ll journey regularly, the Chase Sapphire Reserve is an similarly precise choice as it has tons of treasured advantages, like airport front room get entry to. You can no longer have both the Sapphire Preferred and Sapphire Reserve playing cards on the equal time, so that you’ll must choose the only you want extra.

If you qualify for small commercial enterprise cards (many humans do and don’t even recognize it), it makes greater feel initially Chase business credit score playing cards, due to the fact they don’t seem in your personal credit report and gained’t affect your five/24 remember. Your fine wager is the Ink Business Preferred Credit Card as it comes with the very best welcome bonus of any Chase Ultimate Rewards card. I’ve got this card and adore it for the additional perks like automatic cell smartphone coverage when you operate the cardboard to pay your invoice.

From there, do not forget your tour goals and spending habits to decide which Chase playing cards to use for subsequent. Here’s a post explaining greater about the pleasant Chase credit score card approach for beginners and right here’s the way to figure out your 5/24 count.

But wait, there’s more! Other considerations when you’ve opened some Chase playing cards

If you’ve been into miles and points for some time you might be a bit sentimental thinking about the days while the Chase 5/24 rule wasn’t a element. So there are a lot of us who may have had a number of the fine Chase credit cards in the beyond and are considering applying for them once more. Here’s what you’ll need to be aware about.

With most Chase Cards, you ought to wait at the least 24 months after incomes a bonus to be eligible again

For maximum Chase playing cards, you’re no longer eligible to earn an advantage if you currently have the cardboard, or have acquired a brand new cardmember bonus for the cardboard within the past 24 months. Note that the language says “received a brand new cardmember bonus,” so the clock starts from when the bonus posted in your account, no longer when you have been authorised for the card. To see the regulations unique to the cardboard you’re inquisitive about, click the “Offer Details” link on the card application web page.

There’s one major exception.

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

The product is not available to both (i) contemporary cardmembers of any Sapphire credit card, or (ii) preceding cardmembers of any Sapphire credit score card who obtained a new cardmember bonus within the last 48 months. If you are an present Sapphire consumer and would really like this product, please name the quantity on the returned of your card to peer if you are eligible for a product exchange. You will now not acquire the new cardmember bonus in case you trade merchandise.

So not best are you able to not have the Sapphire Preferred or Sapphire Reserve on the equal time, but also you’re limited from earning a bonus if you’ve acquired one from both card inside the past forty eight months.

A few Chase playing cards have guidelines specific to the airline or inn logo

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

Southwest personal playing cards

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

The nice element approximately the Southwest credit card bonuses is that the Southwest points you earn be counted toward incomes a Southwest Companion Pass.

Marriott cards

After Marriott and Starwood merged, Chase (provider of the Marriott cards) and Amex (issuer of the Starwood playing cards) implemented a few new regulations around their merchandise with appreciate to the Marriott playing cards. The news guidelines are complicated and applying for a Chase Marriott card can impact your potential to open an Amex Marriott card and vice versa.

If you’re inquisitive about applying for this kind of cards, take a look at out our publish comparing all of the Marriott Bonvoy cards for extra details.

World of Hyatt Credit Card

The World of Hyatt Credit Card replaced the antique Chase Hyatt credit card (no longer available to new candidates) closing year. I’ve were given the vintage version and am maintaining it.

If you’re seeking to apply for the World of Hyatt Card, keep in mind you can’t have each the antique and new variations and if you’ve earned the bonus on both Hyatt card inside the past 24 months, you’re no longer eligible both. The phrases say:

The product isn’t available to either (i) contemporary Cardmembers of any Hyatt Credit Card, or (ii) preceding Cardmembers of any Hyatt Credit Card who received a brand new Cardmember bonus inside the ultimate 24 months.

It is viable to upgrade from the old version to the brand new, but you received’t earn the welcome bonus. One truly cool issue approximately the World of Hyatt Credit Card – it comes with a free night time at a category one to four Hyatt each card anniversary. That’s a huge cause why Sapphire oldsters hang directly to it (or the previous model) yr after year.

IHG Rewards Club Premier Credit Card

TheIHG® Rewards Club Premier Credit Card additionally changed the old (now not to be had) Chase IHG card (yeah, I’ve got this one too). In this example, you’re eligible for the bonus on the new edition even if you nonetheless have the old model. The most effective limit is that you may’t get the IHG® Rewards Club Premier Credit Card if you’ve already were given one open, or earned an advantage at the very same card inside the past 24 months. From the phrases:

This product isn’t always to be had to either (i) current cardmembers of this credit card, or (ii) preceding cardmembers of this credit card who obtained a brand new cardmember bonus for this credit card within the remaining 24 months

The equal policies observe to the IHG® Rewards Club Traveler Credit Card. Essentially, all 3 IHG playing cards are taken into consideration unique merchandise. The facts for the IHG Traveler Card has been collected independently by Million Mile Secrets. The card information in this web page have now not been reviewed or supplied with the aid of the cardboard provider.          

Bottom line

Chase doesn’t have a difficult restriction on the range of cards you could have straight away. Instead, there’s a most amount of overall credit they’ll increase you. Some people at the MMS team have six or extra Chase credit score cards.

That stated, all people is restrained through Chase’s stringent utility rules, inclusive of:

Chase five/24 rule – If you’ve opened five or greater playing cards from any financial institution (except certain business cards) within the beyond 24 months, you received’t be accredited for Chase cardsFor maximum Chase cards, you’re now not eligible to earn a bonus if you presently have the card, or have acquired a new cardmember bonus for the card inside the past 24 months (exception – the Chase Sapphire playing cards require forty eight months after incomes a bonus on any Sapphire card)You can not get the Chase Sapphire Preferred and Chase Sapphire Reserve at the same time – you’ll should pick oneYou can’t have more than one non-public Southwest card without delayThe Chase Marriott cards have tight restrictions if you’ve earned bonuses on those cards, or the former Amex Starwood cardsThe World of Hyatt card isn’t available to you when you have the old version of the cardboard (but you could improve)The IHG Premier card is taken into consideration a one of a kind card product, so that you can get it when you have the old version of the card or if you have the IHG Traveler card

The fine approach, if you’re new to miles and factors, is to use for the Chase cards you need first (the Chase Sapphire Preferred is our favored card for beginners). And if you’ve been the interest for some time, spacing out your card packages and deciding on accurately depending on your travel desires is prime to turning into eligible for extra Chase credit score cards.

What’s your plan for adding more Chase credit playing cards in your pockets?

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Featured photo via Jeramey Lende/Shutterstock.

Chase Sapphire Preferred® Card

Our great offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases inside the first three months from account commencing. That’s $1,250 while you redeem via Chase Ultimate Rewards®.

Earn 2X factors on eating along with eligible delivery services, takeout and dining out and journey. Plus, earn 1 factor consistent with dollar spent on all different purchases.

Get 25% greater value while you redeem for airfare, motels, car leases and cruises through Chase Ultimate Rewards®. For instance, a hundred,000 points are well worth $1,250 toward travel.

With Pay Yourself Back℠, your factors are really worth 25% extra during the cutting-edge provide whilst you redeem them for declaration credits in opposition to current purchases in pick, rotating categories.

Get limitless deliveries with a $zero transport fee and decreased carrier fees on eligible orders over $12 for at the least one year with DashPass, DoorDash’s subscription provider. Activate through 12/31/21.

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

Get up to $60 returned on an eligible Peloton Digital or All-Access Membership via 12/31/2021, and get full access to their workout library through the Peloton app, such as aerobic, walking, energy, yoga, and extra. Take training the use of a phone, tablet, or TV. No fitness device is required.

Intro APR on purchases


Regular APR

15.99%-22.99% Variable

Balance Transfer Fee

Either $5 or five% of the quantity of each transfer, whichever is extra.

Rates & Fees

Annual Fee $ninety five


Credit NeededExcellent/Good

Issuer Chase

Card Type Visa

Meghan Hunter is an editor for Million Mile Secrets. She covers points, miles, credit playing cards, airlines, hotels and widespread journey. Her paintings has also regarded in The Points Guy.

Editorial Note: We’re the Million Mile Secrets team. And we are pleased with our content, reviews and analysis, and of our reader’s feedback. These haven’t been reviewed, approved or endorsed by using any of the airways, accommodations, or credit score card issuers which we regularly write approximately. And that’s just how we adore it! 🙂

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