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If you’ve been watching or reading our posts, you’re probably familiar with the Chase 5/24 rule. I’ve also referenced it in other points and miles posts. Since Chase has released several new cards lately, we’ve received a lot of questions from those interested in applying. Many are asking whether they can and should apply for multiple Chase cards at once. Since Chase has some of the strictest rules when it comes to applying for cards, I thought I would review one of their lesser-known rules. This includes the Chase 2/30 rule. This unofficial rule basically says that you can be approved for no more than two Chase cards within a 30 day period.
I should caveat this by saying that none of these rules are official. They are based on the collective experience and insight from those in the travel and points community. You might know of someone who successfully applied for three Chase cards in a month without any issues. However, for most people, this seems to be the general rule of thumb from Chase.
Should you get two or more credit cards at once?
If you’re chasing (no pun intended) multiple Chase cards at once, should you apply for two at the same time? In my opinion, probably not. Even if you can get two Chase cards within a month, you’ll want to monitor where you fall within the Chase 5/24 rule. I still think it’s risky to apply for more than one card from the same issuer at the same time. I think the issuers get nervous when they see people applying for a lot of credit at the same time. You can often hide that you’re applying to multiple issuers by using the “app-o-rama” technique. Though if you apply for multiple cards from the same issuer, they’re going to see it. If you’re not familiar with the “app-o-rama” technique, see our Credit Card Tips and Tricks post for more information.
Some might disagree with me, but I recommend applying for no more than one credit card from the same issuer within 90 days. I might be overly cautious, but I also think that this hobby is a marathon and not a sprint. While you want to be able to get the best offers, I always think that there are new and better offers yet to come. In fact, the rules change so much in this game, you can never get too comfortable with your card approach and strategy.
My recommendation if applying for two Chase credit cards
If you’re set on trying to get two Chase cards at once, here’s what I would suggest.
1. Check your 5/24 status:
Chase is notoriously strict about the number of cards you have applied for, especially within the last two years. If you need help checking your status, see our Chase 5/24 rule post. Also, keep in mind that not all cards are subject to Chase’s 5/24 rule. Chase cards like the Hyatt, Marriott, IHG, Ritz-Carlton, and British Airways do not count toward 5/24. For more information, see this list from One Mile at a Time.
2. Map out your card strategy:
While you might be excited about getting a card now, just know that each card will make it more difficult to get a future card. This is especially the case with the 5/24 rule. Make sure that you have a roadmap for what cards you intend to get. If you need a Credit Card Tracker, feel free to use what we’ve created.
Also, I suggest leaving a bit of buffer in your card applications in case an incredible offer is around the corner. You don’t want to miss out the next time a 100,000 point card offer is released.
3. Make sure your first application is approved:
If you’re applying for multiple Chase cards, then you’ll want to proceed with the second application only if your first one is approved immediately. It’s unlikely that your second application will be approved instantaneously if your first one is under review or being processed. I personally wouldn’t want two pending approvals at the same time as I think it might be a red flag to the issuer. Again, I might be overly cautious, but I think it’s better to be safe than sorry.
Have you had luck applying for two or more cards from Chase within a month? Let us know your experience below. Also, let me know if you think I’m being too cautious about applying for more than one card at a time from the same issuer.
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