What Number Of Chase Credit Score Cards Can You Get? (and Which To Get First)

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Chase credit cards are a number Sapphire of the very Sapphire exceptional credit score cards for travel. So it’s no marvel many of us in the miles and factors hobby have a few in our wallets.

By a ways the maximum valuable Chase cards are people who earn Chase Ultimate Rewards factors, just like the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, because, with the proper cards, Sapphire you’ll have the flexibility to transfer factors to tour partners like United Airlines and Hyatt. And Chase also troubles a number of notable branded airline credit score playing cards and motel credit cards, which include Southwest, IHG, Marriott, British Airways, United Airlines, and Hyatt cards. It’s tempting to need them all.

But due to their strict utility policies, you’ll have to plan your Chase card strategy carefully. Each individual can have a limit to what number of Chase playing cards they are able to get – and it relies upon on plenty of factors.

Biggest Offer from Chase

The Chase Sapphire Preferred Card now offers an extended welcome bonus of a hundred,000 bonus factors after spending $four,000 on purchases in the first three months from account establishing. Apply right here to experience at least $1,700 in price from this bonus on my own based on our valuations.

How many Chase credit playing cards can you get?

Chase doesn’t put up reliable policies approximately how many playing cards you could have at once, but proof shows there’s no hard restrict to the wide variety of Chase playing cards you could get. Instead, you’re constrained via the full quantity of credit Chase is willing to extend you and that depends in your credit score rating, earnings, debt, and different elements.

For example, I’ve got six Chase playing cards (and am trying to upload a pair greater this year) and many other MMS staffers have even more.

If you’re denied due to the fact you’ve reached the maximum amount of credit score Chase will come up with, don’t surrender simply yet. Many people have had success calling the reconsideration line and imparting to shift credit from their present Chase mSapphire oney owed to get accepted.

Other (unofficial) guidelines to follow while you’re applying for Chase playing cards:

Reports online and from our crew advise you received’t be accredited for extra thanprivate Chase cards in 30 days, or multiple commercial enterprise cardOther proof indicates no a couple of business and one personal card in ninety days

To be safe, most propose spacing out programs through ninety days or greater. Chase is likewise touchy in Sapphire case you’ve carried out for lots of other credit score playing cards currently (even if you’re beneath Sapphire five/24). So, for example, in case you’ve additionally implemented for a group of Amex credit score cards or Citi credit score cards in the beyond couple of months, you may have a difficult time getting approved and there are different precise restrictions to do not forget in relation to Chase playing cards.

Trying to pinpoint Chase points value? Here’s what our hours of studies display. (Photo via Wyatt Smith)The Chase 5/24 rule is the largest issue

If you’re new to miles and points, we’ve continually stated to apply for the Chase playing cards you need first.  That’s because you won’t be authorized for Chase cards in case you’ve opened five or greater cards from any financial institution (besides positive commercial enterprise cards) in the past 24 months. This is called the Chase 5/24 rule.

The five/24 rule applies to each Chase credit score card, that’s why we endorse applying for the Chase Sapphire Preferred Card (our #1 card for beginners) first. Alternately, in case you realize you’ll travel regularly, the Chase Sapphire Reserve is an equally proper desire as it has tons of precious benefits, like airport living room get entry to. You can no longer have each the Sapphire Preferred and Sapphire Reserve cards at the equal time, so you’ll ought to choose the only you want greater.

If you qualify for small business cards (many human beings do and don’t even understand it), it makes more feel first of all Chase business credit score playing cards, due to the fact they don’t seem to your non-public credit score document and received’t have an effect on your 5/24 rely. Your exceptional guess is the Ink Business Preferred Credit Card because it comes with the very best welcome bonus of any Chase Ultimate Rewards card. I’ve were given this card and love it for the additional perks like computerized mobile phone coverage when you use the card to pay your bill.

From there, don’t forget your tour dreams and spending habits to decide which Chase playing cards to apply for subsequent. Here’s a publish explaining extra about the nice Chase credit score card approach for beginners and here’s how to determine out your five/24 count.

But wait, there’s greater! Other concerns when you’ve opened a few Chase cards

If you’ve been into miles and points for some time you might be a bit Sapphire sentimental thinking about the days while the Chase 5/24 rule wasn’t a aspect. So there are quite a few us who may additionally have had a number of the first-rate Chase credit score cards in the beyond and are considering making use of for them once more. Here’s what you’ll need to be aware of.

With maximum Chase Cards, you have to wait at least 24 months after incomes a bonus to be eligible once more

For most Chase playing cards, you’re not eligible to earn an advantage in case you currently have the cardboard, or have acquired 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 offevolved from when the bonus published on your account, no longer whilst you had been accredited for the cardboard. To see the regulations precise to the cardboard you’re inquisitive about, click the “Offer Details” link on the cardboard application page.

There’s one main exception.

If you’re inquisitive about the Chase Sapphire Preferred or Chase Sapphire Reserve card, the phrases say:

The product is not available to both (i) current cardmembers of any Sapphire credit score card, or (ii) preceding cardmembers of any Sapphire credit card who received a new cardmember bonus in the closing 48 months. If you’re an present Sapphire customer and would like this product, please call the quantity at the back of your card to peer in case you are eligible for a product trade. You will no longer get hold of the brand new cardmember bonus if you exchange products.

So not handiest can you not have the Sapphire Preferred or Sapphire Reserve on the identical time, but additionally you’re limited from incomes an advantage in case you’ve obtained one from both card within the past forty eight months.

A few Chase playing cards have regulations particular to the airline or lodge logo

I’m moving into the weeds a chunk here, however there are a few more policies to realize if you’re inquisitive about the Southwest, Marriott, Hyatt, or IHG cards.

Southwest personal playing cards

You can now not have a couple of private Southwest card at a time. So if you’re interested in a non-public Southwest credit card, maintain in thoughts you’re not eligible in case you have already got a private Southwest credit card (even a distinctive model) or if you’ve earned the bonus on any private 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 through this rule.

The exceptional element approximately the Southwest credit card bonuses is that the Southwest factors you earn depend toward incomes a Southwest Companion Pass.

Marriott cards

After Marriott and Starwood merged, Chase (provider of the Marriott cards) and Amex (provider of the Starwood cards) applied some new rules around their products with recognize to the Marriott cards. The news regulations are complex and applying for a Chase Marriott card can impact your potential to open an Amex Marriott card and vice versa.

If you’re interested in applying for any such cards, check out our publish comparing all the Marriott Bonvoy cards for extra information.

World of Hyatt Credit Card

The World of Hyatt Credit Card replaced the antique Chase Hyatt credit card (no longer available to new applicants) last 12 months. I’ve got the old model and am keeping it.

If you’re trying to apply for the World of Hyatt Card, preserve in mind you may’t have both the antique and new versions and in case you’ve earned the bonus on either Hyatt card in the past 24 months, you’re now not eligible either. The terms say:

The product is not to be had to both (i) cutting-edge Cardmembers of any Hyatt Credit Card, or (ii) previous Cardmembers of any Hyatt Credit Card who acquired a brand new Cardmember bonus in the final 24 months.

It is feasible to improve from the antique model to the brand new, however you received’t earn the welcome bonus. One virtually cool thing about the World of Hyatt Credit Card – it comes with a free night time at a class one to 4 Hyatt every card anniversary. That’s a big cause why folks dangle on to it (or the previous version) 12 months after 12 months.

IHG Rewards Club Premier Credit Card

TheIHG® Rewards Club Premier Credit Card also replaced the antique (no longer available) Chase IHG card (yeah, I’ve got this one too). In this case, you are eligible for the bonus on the new edition even if you still have the old version. The best limit is that you could’t get the IHG® Rewards Club Premier Credit Card if you’ve already were given one open, or earned an advantage on the very identical card within the beyond 24 months. From the phrases:

This product is not available to both (i) present day cardmembers of this credit card, or (ii) preceding cardmembers of this credit score card who received a brand new cardmember bonus for this credit card inside the ultimate 24 months

The identical regulations follow to the IHG® Rewards Club Traveler Credit Card. Essentially, all 3 IHG cards are considered exceptional products. The statistics for the IHG Traveler Card has been accrued independently by way of Million Mile Secrets. The card info in this page have not been reviewed or supplied via the cardboard issuer.          

Bottom line

Chase doesn’t have a difficult limit on the range of cards you can have without delay. Instead, there’s a most amount of total credit score they’ll make bigger you. Some of us at the MMS team have six or greater Chase credit cards.

That said, everyone is constrained by Chase’s stringent application rules, inclusive of:

Chase 5/24 rule – If you’ve opened five or extra playing cards from any financial institution (except positive business playing cards) inside the past 24 months, you gained’t be authorized for Chase cardsFor most Chase playing cards, you’re no longer eligible to earn a bonus in case you presently have the card, or have obtained a brand new cardmember bonus for the cardboard in the beyond 24 months (exception – the Chase Sapphire cards require forty eight months after earning an advantage on any Sapphire card)You can no longer get the Chase Sapphire Preferred and Chase Sapphire Reserve on the identical time – you’ll must pick oneYou can’t have more than one private Southwest card immediatelyThe Chase Marriott cards have tight regulations in case you’ve earned bonuses on the ones cards, or the former Amex Starwood cardsThe World of Hyatt card isn’t to be had to you if you have the antique model of the card (but you could upgrade)The IHG Premier card is taken into consideration a unique card product, so that you can get it when you have the old model of the card or if you have the IHG Traveler card

The pleasant 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 novices). And if you’ve been the interest for a while, spacing out your card packages and choosing wisely depending on your journey dreams is fundamental to becoming eligible for more Chase credit score cards.

What’s your plan for including extra Chase credit cards for your wallet?

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Featured picture by means of Jeramey Lende/Shutterstock.

Chase Sapphire Preferred® Card

Our pleasant offer ever! Earn a hundred,000 bonus points once you spend $four,000 on purchases in the first three months from account commencing. That’s $1,250 whilst you redeem thru Chase Ultimate Rewards®.

Earn 2X factors on dining which include eligible shipping offerings, takeout and dining out and tour. Plus, earn 1 factor per dollar spent on all different purchases.

Get 25% greater fee while you redeem for airfare, hotels, vehicle leases and cruises thru Chase Ultimate Rewards®. For example, 100,000 points are really worth $1,250 in the direction of journey.

With Pay Yourself Back℠, your points are worth 25% extra at some stage in the present day offer when you redeem them for assertion credits towards present purchases in pick out, rotating categories.

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Intro APR on purchases


Regular APR

15.ninety nine%-22.99% Variable

Balance Transfer Fee

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

Rates & Fees

Annual Fee $95


Credit NeededExcellent/Good

Issuer Chase

Card Type Visa

Meghan Hunter is an editor for Million Mile Secrets. She covers points, miles, credit cards, airways, accommodations and general journey. Her work has additionally seemed in The Points Guy.

Editorial Note: We’re the Million Mile Secrets crew. And we’re happy with our content, evaluations and analysis, and of our reader’s remarks. These haven’t been reviewed, authorized or advocated via any of the airlines, accommodations, or credit card issuers which we frequently write approximately. And that’s just how we love it! 🙂

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