How Many Chase Freedom Cards Can I Have
How many Chase credit cards can you go? (And which to get first)
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Chase credit cards are among the very best credit cards for travel. And so information technology'due south no wonder many of usa in the miles and points hobby have a few in our wallets.
Past far the nigh valuable Chase cards are those that earn Chase Ultimate Rewards points, similar the Hunt Sapphire Preferred® Card and Chase Sapphire Reserve®, considering, 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 splendid branded airline credit cards and hotel credit cards, including Southwest, IHG, Marriott, British Airways, United Airlines, and Hyatt cards. It's tempting to want them all.
Merely due to their strict application rules, y'all'll have to plan your Chase card strategy carefully. Each individual will accept a limit to how many Chase cards they tin get – and it depends on a lot of factors.
How many Chase credit cards can you get?
Hunt doesn't publish official rules about how many cards you lot can have at once, but testify suggests in that location is no hard limit to the number of Chase cards you tin can become. Instead, you're restricted past 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 Hunt cards (and am looking to add together a couple more this year) and many other MMS staffers have fifty-fifty more.
If you lot're denied because you've reached the maximum amount of credit Chase will give you lot, don't requite up but yet. Many people 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 Hunt cards:
- Reports online and from our team suggest you won't be canonical for more than ii personal Chase cards in xxx days, or more than ane business organization card
- Other evidence suggests no more than one business and one personal bill of fare in 90 days
To exist prophylactic, most recommend spacing out applications by ninety days or more. Chase is besides sensitive if yous've applied for a lot of other credit cards recently (even if you're nether 5/24). So, for example, if you've also applied for a bunch of Amex credit cards or Citi credit cards in the past couple of months, you might have a hard time getting approved and there are other specific restrictions to consider when it comes to Chase cards.
The Chase 5/24 dominion is the biggest limitation
If you're new to miles and points, we've ever said to use for the Chase cards you lot want beginning. That's because y'all won't be approved for Chase cards if you've opened 5 or more cards from whatsoever bank (except sure business organisation cards) in the past 24 months. This is referred to as the Chase 5/24 rule.
The 5/24 rule applies to every Chase credit card, that's why we recommend applying for the Chase Sapphire Preferred Card (our #1 card for beginners) offset. Alternately, if you know yous'll travel frequently, the Hunt Sapphire Reserve is an every bit skillful selection because it has tons of valuable benefits, like airport lounge access. You can no longer have both the Sapphire Preferred and Sapphire Reserve cards at the aforementioned fourth dimension, so you'll accept to pick the 1 you like more.
If yous qualify for pocket-sized business cards (many people do and don't even realize it), it makes more sense to start with Hunt business credit cards, considering they don't announced on your personal credit report and won't bear on your 5/24 count. Your best bet is the Ink Business Preferred Credit Card considering it comes with the highest welcome bonus of any Chase Ultimate Rewards card. I've got this card and love information technology for the additional perks like automatic cell phone insurance when you employ the card to pay your bill.
From at that place, consider your travel goals and spending habits to make up one's mind which Chase cards to use for adjacent. Here'due south a mail service explaining more about the all-time Hunt credit bill of fare strategy for beginners and here's how to figure out your 5/24 count.
Only await, there'due south more! Other considerations once you've opened a few Chase cards
If you lot've been into miles and points for a while you might exist a piddling sentimental thinking nigh the days when the Chase 5/24 rule wasn't a thing. So in that location are a lot of us who may have had some of the best Chase credit cards in the past and are because applying for them over again. Hither'south what you'll need to be aware of.
With most Hunt Cards, you must wait at least 24 months afterwards earning a bonus to be eligible again
For well-nigh 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 carte in the past 24 months. Annotation 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 canonical for the carte. To see the restrictions specific to the carte y'all're interested in, click the "Offer Details" link on the card application folio.
There's ane major exception.
If you're interested in the Chase Sapphire Preferred or Chase Sapphire Reserve bill of fare, the terms say:
The product is not bachelor to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of whatsoever Sapphire credit card who received a new cardmember bonus within the last 48 months. If you are an existing Sapphire client and would like this production, please call the number on the back of your menu to see if yous are eligible for a product change. You will not receive the new cardmember bonus if you modify products.
So not simply can you non take the Sapphire Preferred or Sapphire Reserve at the aforementioned time, but also you're restricted from earning a bonus if y'all've received 1 from either card in the past 48 months.
A few Chase cards take rules specific to the airline or hotel brand
I'one thousand getting into the weeds a bit hither, but there are a few more rules to know if you're interested in the Southwest, Marriott, Hyatt, or IHG cards.
Southwest personal cards
Yous can no longer accept more than i personal Southwest bill of fare at a fourth dimension. And then if you lot're interested in a personal Southwest credit card, proceed in mind you're not eligible if yous already take a personal Southwest credit card (even a different version) or if you've earned the bonus on whatsoever personal Southwest card in the past 24 months. The Southwest® Rapid Rewards® Premier Business organisation Credit Card and Southwest® Rapid Rewards® Operation Business Credit Card aren't impacted by this rule.
The best part nearly the Southwest credit card bonuses is that the Southwest points you lot earn count toward earning a Southwest Companion Laissez passer.
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 Marriott cards. The news rules are complicated and applying for a Chase Marriott card tin impact your ability to open an Amex Marriott card and vice versa.
If you're interested in applying for one of these cards, cheque out our post comparison all of the Marriott Bonvoy cards for more details.
World of Hyatt Credit Card
The World of Hyatt Credit Bill of fare replaced the old Chase Hyatt credit card (no longer available to new applicants) last yr. I've got the old version and am keeping it.
If yous're looking to apply for the Earth of Hyatt Carte, keep in listen you can't have both the old and new versions and if yous've earned the bonus on either Hyatt card in the past 24 months, you lot're not eligible either. The terms say:
The product is not bachelor to either (i) current Cardmembers of any Hyatt Credit Card, or (two) previous Cardmembers of any Hyatt Credit Menu who received a new Cardmember bonus within the last 24 months.
It is possible to upgrade from the old version to the new, just y'all won't earn the welcome bonus. 1 really cool thing nigh the Globe of Hyatt Credit Card – it comes with a free dark at a category i to 4 Hyatt each bill of fare ceremony. That's a large reason why folks hang on to it (or the previous version) yr after year.
IHG Rewards Club Premier Credit Menu
TheIHG® Rewards Society Premier Credit Bill of fare also replaced the old (no longer bachelor) Chase IHG card (yeah, I've got this one besides). In this case, you lot are eligible for the bonus on the new version fifty-fifty if you still have the old version. The only restriction is that you can't get the IHG® Rewards Club Premier Credit Carte du jour if yous've already got one open up, or earned a bonus on the very same bill of fare in the past 24 months. From the terms:
This product is non available to either (i) electric current cardmembers of this credit card, or (ii) previous cardmembers of this credit carte du jour who received a new cardmember bonus for this credit card within the terminal 24 months
The same rules use to the IHG® Rewards Club Traveler Credit Menu. Essentially, all three IHG cards are considered unlike products.
Bottom line
Chase doesn't have a hard limit on the number of cards you tin can accept at one time. Instead, there's a maximum amount of full credit they'll extend you lot. Some of us on the MMS team have six or more Chase credit cards.
That said, everyone is restricted by Chase'south stringent awarding rules, including:
- Chase 5/24 rule – If you've opened 5 or more cards from any bank (except certain business organization cards) in the past 24 months, you won't be approved for Chase cards
- For near Hunt cards, you're not eligible to earn a bonus if yous currently have the carte du jour, or have received a new cardmember bonus for the card in the by 24 months (exception – the Chase Sapphire cards require 48 months later on earning a bonus on any Sapphire carte du jour)
- You can no longer get the Chase Sapphire Preferred and Hunt Sapphire Reserve at the aforementioned time – you'll have to pick one
- Y'all can't have more than one personal Southwest card at one time
- The Chase Marriott cards have tight restrictions if you've earned bonuses on those cards, or the old Amex Starwood cards
- The Earth of Hyatt card isn't available to yous if you have the erstwhile version of the card (but you tin upgrade)
- The IHG Premier card is considered a different menu product, and then you can become it if you have the old version of the card or if y'all have the IHG Traveler card
The best strategy, if you're new to miles and points, is to apply for the Chase cards yous desire 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 fundamental to condign eligible for more than Hunt credit cards.
What'south your plan for adding more than Chase credit cards to your wallet?
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Hunt Sapphire Preferred® Card
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Earn sixty,000 bonus points later you spend $four,000 on purchases in the first three months from business relationship opening. That's $750 when you redeem through Chase Ultimate Rewards®.
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Bask benefits such every bit a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Hunt Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
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Get 25% more value when yous redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For case, threescore,000 points are worth $750 toward travel.
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With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits confronting existing purchases in select, rotating categories.
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Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 03/31/22.
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Count on Trip Counterfoil/Intermission Insurance, Auto Rental Collision Harm Waiver, Lost Luggage Insurance and more than.
Intro APR on purchases
North/A
Regular APR
15.99%-22.99% Variable
Residue Transfer Fee
Either $5 or 5% of the corporeality of each transfer, whichever is greater.
Rates & Fees
Annual Fee $95
Other
Credit Needed Fantabulous / Practiced
Issuer Chase
Carte Blazon Visa
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