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Note: Some of the offers mentioned below may accept changed or are no longer be bachelor. You tin can view electric current offers here.

This is a living post, continuously updated over time every bit the miles and points hobby evolves. They modify the rules and nosotros have to stay on top of them.

Today I've updated the department nearly Citi cards to reflect the new sign up bonus eligibility timelines for their AAdvantage co-branded credit cards. If I've left something important out please feel free to let me know in the comments. I feel this is an important responsibleness of miles bloggers to continue info of this nature updated for the sake of your credit scores!

Volition yous be approved for a new card? Will you get its bonus?

What if you've already had that card and gotten its bonus before?

The answers to these questions depend on the issuing banking concern of the credit carte. The issuing banking concern is not the payment network like Visa, MasterCard, or American Limited. The issuing bank is the banking concern that gives you lot the carte du jour, collects interest, and provides customer service. For rewards cards, the primary issuing banks are Chase, Citi, American Express, Barclaycard, and Banking company of America. I've included Capital One as well every bit they take some lucrative rewards cards.

Allow's look at the rules for each issuing bank, which vary widely. Annotation that many of these "rules" are not published, rather formed over time by people similar us collaborating data points to plant patterns of bank behavior.

If y'all don't feel like navigating this maze (understandable), I'm happy to do it for you lot. Fill up out this form for a credit card consultation and pay close attention to the section nigh your contempo credit card history.

Chase

GENERAL CARD RULES

  • 5/24: If you have v+ new credit carte accounts with any bank–yeah, any bank, not merely Hunt–in the final 24 months, you will be denied most Chase personal and business credit cards.
    • Note that nigh business cards do NOT count in your 5/24 total. Do non misfile that argument to call back that you need not be nether 5/24 to go approved for Hunt business cards. You lot must be nether 5/24 to go approved for Any Chase credit card.
  • Y'all can only get the bonus on the aforementioned Chase card one time every 24 months. This 24 month clock starts when you got the last bonus (which may be several months afterward you lot got the card). The exception to this dominion is with the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card, every bit noted below, which you must wait 48 months between.
  • You probably shouldn't apply for more than two personal cards or one business bill of fare in a xxx day period.A safe limit is 1 business and one personal card inside 90 days.Hunt is known for denying people who employ for more than that.
  • Non a rule, merely a PRO TIP: A common reason for Chase denials is likewise much credit extended to you already past the bank. Consider lowering credit limits on existing cards, or if you end up with a denied response on an application and call the reconsideration line as a last stab endeavour, propose the rep shift existing credit of yours from one card to the new i y'all want. How much credit is as well much? Data points say l to 60% of your full annual income is the maximum.

CO-Make SPECIFIC CARD RULES

  • Sapphire Cards (i.e. the Chase Sapphire Preferred and Chase Sapphire Reserve®)
    • New applicants will not be approved for another credit card in the Sapphire family if they already have ane open. In other words, if you currently concur a Sapphire card, y'all're non eligible for a Sapphire Preferred nor a Sapphire Reserve. If you lot currently concord a Sapphire Preferred, you're not eligible for a Sapphire Reserve. If you currently concur a Sapphire Reserve, you're non eligible for a Sapphire Preferred.
    • You lot cannot earn the bonus on the Sapphire Reserve until 48 months past when you earned the bonus on the Sapphire Preferred, and vice versa.
  • Southwest Cards: If you have a Southwest Rapid Rewards Plus, Southwest Rapid Rewards Premier, or Southwest Rapid Rewards® Priority open, you lot are not eligible for some other Southwest consumer card. Yous are also ineligible for the bonus on a Southwest consumer card if you have earned a bonus on another Southwest consumer card in the last 24 months. The Southwest Rapid Rewards Premier Concern card and the Southwest Rapid Rewards Performance Business Credit Card are dissever products in regards to this dominion. In other words, you can have both a consumer Southwest card and a business Southwest card open at the aforementioned time. Y'all tin can also open and hold both business cards at the aforementioned fourth dimension.
  • Specific rules for the Marriott co-branded cards: At that place are lots of eligibility stipulations for all the Marriott-family credit cards, as well many to item here. And unlike most other card bonus rules, they cross over between consumer and business products, and fifty-fifty betwixt banks! Both Chase and Amex issue Marriott co-branded cards. What I recommend before applying is reading each card's eligibility terms, which thankfully they have easily linked for us on the awarding pages. This is what it looks like on the Chase Marriott Bonvoy Dizzying Credit Card:

And zoomed in…

    • Once you printing click here, a pop-up will appear outlining all the conditions (having, or having had, a different Marriott or SPG bill of fare) that return you ineligible for the bonus.

American Limited

Photo by Images Money
Photo past Images Money
  • Yous tin can only get the bonus on an American Express carte once per lifetime, a lifetime being roughly seven years. However if you were targeted for an American Express offer, you can still be approved even if you accept had the carte before (just make sure the terms of the offer does not include one time in a lifetime language).
  • Y'all can be canonical for two Amex charge cards on the same twenty-four hours, but applying for two Amex credit cards volition likely upshot in a pending response for the second awarding. It doesn't necessarily mean the second carte du jour will be declined, but it'southward unlikely they will both be instantly approved. Amex won't look at the second application until 5 days after the kickoff.
  • You can be approved for no more than than two Amex cards in a ninety day menses. If y'all want more than than two Amex cards, apply for them on days ane, 6, and 91.
  • You are limited to holding four to 5 American Express credit cards. Both personal and business count toward this limit. (The Gold Delta Skymiles Credit Card from American Express is a credit bill of fare.)
    • Separately, you are limited to holding 4 to five American Limited charge cards. Both personal and business organization count toward this limit. (The Platinum Carte du jour from American Limited is a charge card.)
    • If you're on the verge and contemplating a fifth credit or charge card, read this post–you lot tin can apply basically hazard-complimentary.
  • Specific rules for the Marriott co-branded cards: Similar I said higher up most the Chase Marriott cards, there are likewise many eligibility stipulations for the Marriott-family credit cards to item hither. Just similar with Chase Marriott cards, you can bank check in the offer terms of Amex's Marriott cards for these eligibility stipulations. This is where yous can notice the info for the Marriott Bonvoy Business American Express Card:

Click the Offer & Do good Terms link in the bottom corner, and in the very beginning of the terms highlighted in bold it lists the bonus eligibility stipulations.

  • Amex puts the post-obit ambiguous language on many of their card applications: "We may as well consider the number of American Express Cards y'all have opened and closed as well as other factors in making a decision on your welcome offering eligibility".  At this signal, we don't have enough reports from others to be able to spell out what this means exactly. One would assume if you follow the rules listed above, you would be ok.
    • In case you forgot whether or not you've ever opened a specific Amex carte, information technology looks similar Amex is at least alert you earlier submission of the application (before a difficult pull happens) if you're eligible for the bonus or not.

Citi

  • Y'all can apply for no more than one consumer Citi bill of fare in an viii day catamenia. If yous want two Citi cards, become them on days i and 9.
  • You can apply for no more than two consumer Citi cards in a 65 mean solar day menses. If you desire iii Citi cards, get them on days 1, 9, and 66.
  • Yous tin can employ for no more than than one concern Citi card in a 95 day period.
  • *The numbers above are for the risk-averse. Technically, you should exist able to get i consumer card in a vii twenty-four hours menstruum (then applying on day 1 and 8 should exist ok), two consumer cards in a lx day period (and then applying on day ane, 8, and 61 should be ok), and one business card in a day 90 day period (and then applying on day 1 and 91 should be ok).
  • Y'all are only eligible to earn a repeat sign up bonus if yous haven't opened or closed the aforementioned card inside the last 24 months.
  • Y'all are merely eligible to earn a ThankYou Point sign up bonus (from the Citi Prestige or Premier cards) if you haven't opened or closed a bill of fare inside the ThankYou Betoken-earning family within the final 24 moths. For case, Allow's say you opened a Citi Premier seven months ago. That means for the next 17 months (a full 24 months afterward you opened information technology) you are not eligible for the aforementioned carte, nor for the Citi Prestige . If y'all close that Premier card , the 24 month clock will beginning over again and you won't be eligible for that same card nor the Prestige for 24 months by the date you airtight it.
  • You are only eligible to earn an AAdvantage sign up bonus if you haven't opened the aforementioned AAdvantage bill of fare within the terminal 48 months. This dominion just inverse in the beginning of July, 2019. In some ways information technology got stricter (clock changed from 24 months to 48 months), just in other ways became looser. Instead of applying to the entire co-brand, this dominion but applies to each private production. And endmost an AAdvantage card doesn't reset the clock like information technology used to. For example, you can open a Citi / AAdvantage Platinum Select MasterCard and Citi / AAdvantage Executive MasterCard at the same time.

Barclays

  • Barclays is known for being the most inquiry-sensitive banking company. Therefore if you're on the verge of applying for multiple cards (from various banks), employ for the card from Barclays start. While there's non a specific rule regarding same-day approvals, it's not recommended to apply for multiple cards from Barclays on the same day.
  • Applicants who apply for a echo Barclaycard product volition probably not be canonical for some other for at least vi months since the last application, and you must cancel the existing bill of fare first.
    • If you have an Arrival Carte du jour open (the downgrade pick from an Arrival Plus w/no almanac fee) you will demand to close it earlier applying for an Arrival Plus
    • In regards to the Barclaycard AAdvantage Aviator cards, I have read a handful of reports that advise waiting 24 months between applications, but I'm not willing to say that'due south a hard and fast rule however.
  • Non a rule, but a PRO TIP: Barclaycard denies people for having too many Barclaycards, not enough spending on existing Barclaycards, as well much credit with Barclaycard, or too many accounts with other banks.

Bank of America

  • For the Alaska Airlines personal cards: Restricted to opening but one every 24 months, and yous are very likely to be denied for some other unless you close the existing i start.
  • For all Depository financial institution of America cards…
    • Banking company of America will not approve you for more than than two new credit cards within a 2 month catamenia
    • Bank of America volition not approve you for moreiii new credit cards inside a 12 month period
    • Bank of America will not approve you for more than4 new credit cards inside a 24 month menstruation
    • All of that being said, I've also read the latest data points suggest no more than than one approving every six months. If you're conservative, stick to i every six months.

Upper-case letter I

  • You tin can only employ for a Capital One card once every half dozen months.
  • You lot tin can only concur two consumer Uppercase 1-branded credit cards at once. This doesn't apply to business organisation cards or co-branded cards. Example of Capital letter One-branded credit bill of fare: the Capital One Venture Rewards Credit Carte. Example of a co-branded Capital One bill of fare: the GM BuyPower Business Card from Capital letter One.

Lesser Line

Every issuing banking company has dissimilar rules on how often you tin apply for its cards and how oft y'all can get a new bonus on a card you've had previously. The rules are changing, and the general tendency is toward a tightening of the rules. The rules are sometimes written downwardly and sometimes figured out past aggregating data points on FlyerTalk and Reddit, or good, sometime-fashioned experimentation.

Bookmark this page if you haven't already, and make sure you go over the rules for the appopriate issuing bank Before applying for a new rewards carte du jour. Or request a Free Credit Card Consultation and I'll atomic number 82 you through the maze.