How Many Chase Credit Cards Can I Have and What to Expect

You can have up to five Chase credit cards, but this limit may vary depending on your creditworthiness and other factors.

Having multiple Chase credit cards can be beneficial for earning rewards and building credit, but it's essential to manage them responsibly to avoid overspending and high interest rates.

Chase has a 5/24 rule, which means they won't approve you for a new credit card if you've opened five or more new credit accounts in the past 24 months.

To get approved for multiple Chase credit cards, you'll need to have a good credit score and a history of responsible credit behavior.

Applying for multiple Chase credit cards can be a bit tricky, but it's definitely doable. Chase has a "family card" rule, which means you can't be approved for a card if you currently have a card in the family, or have received a new cardmember bonus on a card in the family in the past 24-48 months.

To get around this rule, you can apply for a second Chase Ink Preferred card using your EIN and SSN. This method is called the EIN + SSN method, and it's a way to file a completely new application under a new business. You'll need to use your EIN on your second application, and keep your personal section the same as the first card.

Chase also has a 2/30 rule, which means you can't apply for more than two cards in a 30-day period. To be on the safe side, it's best to wait at least two months between applications. Additionally, you need to be aware of the 5/24 rule, which limits the number of new credit cards you can apply for in a 24-month period.

Here's a summary of the rules:

By following these rules and using the EIN + SSN method, you can apply for multiple Chase credit cards and take advantage of the sign-on bonuses and other benefits.

You can't apply for multiple Chase cards at once, so it's essential to wait between applications.

Typically, you won't be approved for more than two Chase cards in a 30-day period. Some people have reported only being able to get approved for one card in that time.

Personally, I wouldn't apply for more than one personal and one business card in a 30-day period, just to be safe.

Chase has a concrete anti-churning rule called the 2/30 rule, which states they won't issue more than two cards in a 30-day period. This applies to any two cards, not just personal and business cards.

Suggestion: Does Chase Pull Personal Credit for Business Cards

You can get two Chase Ink Preferred business cards by applying for the second one using your EIN and SSN, known as the EIN + SSN method. This method involves using your EIN for your business section and your SSN for your personal section.

To be safe, wait at least two months before applying for your second card. Make sure to use your actual business name in the Business name section and select "sole proprietorship" as your type of business.

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If you have multiple EINs, you can apply for even more Ink Preferred cards. This means you can get a new EIN through an LLC from the same IRS website.

Here's a step-by-step guide to applying for your second card:

You can also refer yourself to the second Ink Preferred card, which means you can get 20,000 UR sign on bonus on top of the 80,000 points you'll get on your second card. This trick is known as self-referring yourself.

Business credit cards have some unique features that set them apart from personal credit cards. There is no limit to the number of Chase business cards you can have at any given time, and each account can have up to 99 employee cards.

One notable difference between business and personal credit cards is that business credit cards do not go onto your personal credit report, which means the impact on your credit score will be minimal. This is especially important to consider when applying for Chase credit cards, as they have a 5/24 rule that affects both personal and business applications.

A unique perspective: Stated Income Business Credit Cards Chase

To take advantage of Chase business cards, you can consider applying for multiple cards, such as the Chase Ink Preferred, Chase Ink Unlimited, Chase Ink Cash, and Chase Ink Premier. These cards offer a lot of free Ultimate Rewards points that can be redeemed for travel, transferred to airlines, or used to book business class travel.

If you're looking to maximize your points, you can apply for all three Ink cards and get approved, which can give you a combined total of 250,000 or more Ultimate Rewards points. Alternatively, if you have an EIN (Employee Identification number), you can apply for the same card a second time under a different business name, which can give you an additional sign-on bonus.

Here's a breakdown of the sign-on bonuses for each of the Chase Ink cards:

Keep in mind that this method of applying for multiple cards is not advised anymore, as people have reported getting accounts shut down due to this practice. It's essential to use a spreadsheet to track your cards and avoid any potential issues.

The World of Hyatt Credit Card pays for itself with the perks alone. Its $95 annual fee is justified by the annual free night certificate valid at a Category 1-4 property, plus five elite nights toward status annually.

Putting $15,000 of spending on the card per year gets you a second Category 1-4 free night certificate and an additional six elite nights toward status annually. This is because spending that amount earns two elite nights for every $5,000 spent.

Some popular Chase credit cards include the Chase Sapphire Preferred Card, the Chase Sapphire Reserve Card, the Chase Freedom Unlimited Card, and the Chase Slate Edge credit card.

Take a look at this: What Is the Chase Sapphire Preferred Card

The World of Hyatt Credit Card pays for itself with the perks alone, thanks to its $95 annual fee. It offers an annual free night certificate valid at a Category 1-4 property, plus five elite nights toward status annually.

Even with lifetime Globalist status, earning elite nights is still valuable for incremental benefits offered through the Milestone Rewards program. I value earning these nights, and I'm not alone – many cardholders do.

Explore further: Chase Credit Card Approval Status Number

If you put $15,000 of spending on the card per year, you'll get a second Category 1-4 free night certificate and an additional six elite nights toward status annually.

Here are some popular Chase credit cards that offer great perks and bonuses:

The Chase Ink Premier is a great option if you're looking for a card with a sign-on bonus. It offers $1,000 cash back after spending $10,000 in 3 months.

Annual fees can be a real drag, but the Chase Ink Premier's fee of $195 is relatively reasonable.

This card provides unlimited 2% cash back on everything, making it a great choice for everyday purchases.

Additional reading: How Can Credit Cards Be Safer than Cash

Applying for a Marriott card can be a bit tricky due to the merger between Marriott and Starwood.

Chase and Amex implemented new rules for their Marriott cards, making it complicated to open one without impacting your ability to open the other.

If you're interested in applying for a Chase Marriott card, be aware that it may affect your chances of getting an Amex Marriott card.

Checking out our post comparing all of the Marriott Bonvoy cards can help you make an informed decision.

Intriguing read: How Many Marriott Credit Cards Can You Have

The Chase Ink cards are a great option for earning valuable sign-on bonuses, with some cards offering up to 100,000 points with no annual fee.

The Ink Unlimited and Ink Cash cards are particularly fruitful with 75k or 90k points sign on bonus depending on the time, making them a great choice for those who want to earn a lot of points quickly.

The Ink Preferred card has an annual fee of $95, but the additional UR points it earns make it worth considering, especially if you can take advantage of its no FX fees to make it easier to reach your minimum spend requirement.

If you're a business owner with large expenses, the Chase Ink Premier card may be a good option, earning 2.5% cash back on purchases above $5k, but be aware that the bonus and annual fee may not be as appealing as the other Ink cards.

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If you've been into miles and points for a while, you might be considering applying for Chase cards you had in the past.

Most Chase cards have a restriction where you're not eligible to earn a bonus if you currently have the card or have received a new cardmember bonus for the card in the past 24 months.

The clock starts from when the bonus posted to your account, not when you were approved for the card.

To see the restrictions specific to the card you're interested in, click the "Offer Details" link on the card application page.

You can't have the Sapphire Preferred or Sapphire Reserve at the same time, and you're restricted from earning a bonus if you've received one from either card in the past 48 months.

If you're an existing Sapphire customer and would like a different product, you can call the number on the back of your card to see if you're eligible for a product change.

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The sign on bonus is the key component to the credit card hustling game, and the Chase Ink cards have by far the best sign on bonuses in the industry.

The Chase Ink Preferred, Ink Unlimited, and Ink Cash all give UR points, which can be transferred to airlines and hotels, providing a value that can be much higher than the cash value of the points when booking business class flights.

The Ink Unlimited and Ink Cash are particularly fruitful with 75k or 90k points sign on bonus depending on the time without any annual fee.

Don't be scared of the annual fee on the Ink Preferred, as the additional UR points will more than make up for the $95 annual fee.

For example, if the Ink Preferred is offering 100,000 sign on bonus vs the Ink Unlimited at 90,000, the additional 10,000 UR points is worth more than the $95 annual fee you pay.

The Chase Ink Premier is a newer card that only earns cash back and does not earn UR points, making it less appealing to those who value the transferable points.

However, the Chase Ink Premier is good if you have a legitimate business and mostly just care about cash back, especially if you consistently have large expenses.

Consider reading: Chase Credit Cards Freedom Unlimited

You can have multiple Chase credit cards, but there are some limitations to be aware of. The Chase 5/24 rule is a significant limitation, where you won't be approved for a new Chase card if you've opened 5 or more new card accounts in the past 24 months.

Business credit cards don't count towards this limit, and it's a good idea to apply for business cards first, as they don't appear on your personal credit report. The Ink Business Preferred Credit Card is a great option, with a high welcome bonus and additional perks like automatic cell phone insurance.

There's no official limit on how many Chase cards you can have, but Chase will consider your credit score, credit history, and other financial factors when you apply for a new card. They'll also take into account your income and existing debt.

Some Chase cards have restrictions on being approved for multiple cards at the same time. For example, you can't have both the Chase Sapphire Preferred Card and the Chase Sapphire Reserve Card at the same time. Similarly, some cards have a "family card" rule, where you can't be approved for a card if you currently have a card in the family or have received a new cardmember bonus on a card in the family in the past 24-48 months.

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Here are some key Chase credit card limitations to keep in mind:

It's also worth noting that applying for too many credit cards within a short period can damage your credit standing and lead to rejection.