Major Credit Card Issuers’ Application Rules

Chase
Chase
  • 1/30: Only 1 business credit card can be approved within a 30-day period.
  • 2/30: Only 2 personal credit cards can be approved within a 30-day period.
  • 5/24: Only up to 5 credit cards can be approved within a 24-month period.
  • One Sapphire Rule: Only one Sapphire card per account.
American Express
American Express
  • 1/5: Only 1 credit card can be approved within 5 days.
  • 2/90: Only 2 credit cards can be approved within 90 days.
  • 5 Card Limit: Hold up to 5 Amex credit cards(Personal + Business) at once.
  • One Lifetime Rule: No signup bonus if you ever had the card.
Citi
Citi
  • 1/8: Only 1 credit card can be approved within 8 days.
  • 2/65: Only 2 credit cards can be approved within 65 days.
  • AA 48 Month Rule: Bonus not available if you received one in the past 48 months.
  • One Family Rule: No signup bonus for another card in the same family card.
Capital One
Capital One
  • 1/6 Months: Only 1 new credit card every 6 months.
  • 2 Card Limit: Hold up to 2 personal Capital One cards.
  • 3 Hard Pulls: Applying for the card triggers 3 credit checks.
Bank of America
Bank of America
  • 2/30: Up to 2 new cards in 30 days.
  • 3/12: Up to 3 new cards in 12 months.
  • 4/24: Up to 4 new cards in 24 months.
Barclays
Barclays
  • 1/6 months: Only 1 new card every 6 months recommended.
  • 6/24: Best approval odds with fewer than 6 new cards in the past 24 months.
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