Chase Cards Not Affected by Tighter Application Restrictions

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Offers for the Marriott Rewards® Premier Plus Business Credit Card, AARP® Credit Card from Chase, Amazon Rewards Visa Signature Card, Disney Rewards® Visa® Card, The Ritz-Carlton Rewards® Credit Card, Iberia Visa Signature® Card, IHG® Rewards Club Traveler Credit Card and Aer Lingus Visa Signature® Card are not available through this site. All information has been independently collected by AwardWallet and has not been reviewed or provided by the card issuer. Please see our card marketplace for available offers.

UPDATE 12/10/18: It appears that Chase has tightened up the application requirements for many, if not all of the cards listed below, and is now applying the 5/24 policy across its entire range of rewards cards. We cover the changes in more detail in this dedicated post.

Dig deep into the wallet of any award travel fan, and you’re likely to turn up a Chase credit card or two. In addition to standout travel cards like the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve®, Chase offers a full suite of co-brand airline and hotel rewards cards, together with a handful of retail and cashback cards.

Unfortunately, Chase has some of the tighter credit card application policies, designed to mitigate abuse of the generous signup bonuses offered on its credit cards. Restrictions include limiting how many cards you can apply for over a 30 day period and the new limitation preventing you from getting a second Sapphire card if you already hold one. Plus the slightly harder to understand 5/24 policy, whereby you won’t be approved for select Chase cards if you’ve opened five or more new credit card accounts over the previous 24 months.

Chase Bank

Chase hasn’t revealed which specific cards are subject to the 5/24 policy. But from all the data points we have (and we have a lot), you can apply for the following eight Chase credit cards if you’re over 5/24, and feel reasonably comfortable that you won’t be denied for that reason.

Important: Although we’ve made every endeavor to verify this info, credit card application restrictions are always changing. We hear sporadic reports of applicants being denied these cards due to opening more than five new credit cards in two years, but from the information we have when this post went to press, these cards are not subject to 5/24.

Chase Cards Not Previously Subject to 5/24

Credit CardHighlights
AARP® Credit Card from Chase$200 cash back after spending $500 on the card in the first three months. Earns 3% back at restaurants and gas stations (1% everywhere else) - no annual fee.
Aer Lingus Visa Signature® CardEarn up to 100,000 bonus Avios. 3x Avios per $1 on Aer Lingus, British Airways, Iberia, LEVEL and OpenSkies purchases, and a companion ticket each year you spend $30K+ on the card - $95 annual fee.
Amazon Rewards Visa Signature CardAmazon Prime member's earn 5% back at Amazon.com and receive a $70 Amazon gift voucher loaded to your Amazon account following approval for the card. If not a member, you’ll receive a $50 voucher and earn 3% back on Amazon.com purchases and 2% back at restaurants, gas stations, and drugstores (1% everywhere else). The card charges no foreign transaction fees and carries no annual fee.
British Airways Visa Signature® CardEarn up to 120,000 bonus Avios. Complimentary companion ticket after spending $30K per year on the card. Achieve top value on partners Alaska, American Airlines, JAL, and Qantas. Redeeming Avios on Alaska and American to Hawaii is one of our favorite awards - $95 annual fee
Disney Rewards® Visa® CardsEarn a $50 statement credit after your first purchase. 1% in Disney Rewards Dollars on all card purchases, 10% discount on select Disney and Star Wars purchases from Disney Stores, and some cardmember-exclusive photo opportunities at Disneyland and Walt Disney World Resorts. The base card charges no annual fee, and the premium version with marginally better benefits charges a $49 annual fee.
Iberia Visa Signature® CardEarn up to 100,000 bonus Avios. 3x Avios per $1 on Iberia, British Airways, Aer Lingus, LEVEL and OpenSkies purchases, discount voucher of $1,000 toward two tickets on the same flight each year you spend $30K+ on the card, 10% discount if using the card to pay for Iberia flights - $95 annual fee
IHG® Rewards Club Premier Credit CardEarn up to 120,000 Bonus Points - Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening plus an additional 40,000 bonus points after spending a total of $5,000 on purchases within 6 months of account opening. 10x points at IHG properties. Annual certificate each year for a free night at a property of up to 40,000 points.
IHG® Rewards Club Traveler Credit CardEarn 60,000 bonus points after you spend $2,000 in the first 3 months. Complimentary Gold Elite status when you spend $10K each year, 5x points at IHG properties, 5,000 bonus points for adding a first authorized user and making a purchase in the first three months, fourth night free on award bookings - $29 annual fee
Marriott Rewards® Premier Business Credit CardEarn 75,000 bonus points after you make $3,000 in purchases in the first three months. A category 1-5 free night every year after your account anniversary, 15 elite-night credits per year. Path to Marriott Gold Elite every year you spend $50,000 on purchases, plus one elite night credit for every $3,000 spent on the card - $0 intro annual fee for the first year, after that $99
The World Of Hyatt Credit CardEarn up to 50,000 bonus World of Hyatt points. A free night in a category 1-4 property each year after your cardmember anniversary, plus a second free night certificate when you spend $15,000 on the card each year, 4x bonus points on Hyatt purchases, and receive complimentary World of Hyatt Discoverist status - $95 annual fee
The Ritz-Carlton Rewards® Credit CardEarn two free nights at a Tier 1-4 Ritz-Carlton hotel after you spend $4,000 in the first three months. $300 annual incidentals credit, Priority Pass Select membership, $100 Global Entry/TSA credit. Plus three club level upgrade certificates on paid stays of up to seven nights annually and complimentary Gold Elite status for the first year. You can retain Gold status every year you spend $10K in purchases on the card, and you’ll earn Platinum Elite each year you put $75K spending on the card - $450 annual fee

Final Thoughts

While we wouldn’t recommend devoting a hard-pull to some of the cards on this list, the co-brand cards from British Airways, IHG, Hyatt, Ritz-Carlton, and Marriott all offer top value for those looking to diversify their points and miles balances but sitting over 5/24. The free night awarded on the IHG Rewards Premier Card is fantastic for such a low annual fee, and earning up to 120,000 bonus Avios from the British Airways Visa Card is a top way of padding out your Avios account to redeem for those sweet, round-trip Hawaii flights on American and Alaska. And don't forget, you can combine the Avios earned across all three Avios earning cards into one account for and build a massive balance of Avios, although it will require a substantial amount of spending over a short space of time.

The list of cards not affected by Chase’s 5/24 policy is short. But it features a diverse array of cards from no annual fee cash back cards through to premium travel rewards cards featuring lounge access and free nights at some of the most glamorous hotels in the world. If we’ve missed any Chase cards off the list, please reach out via the comments section and let us know.

Chase Cards Not Affected by Tighter Application Restrictions
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Comments

  • really strange that the Marriott business card is no problem,but the regular Marriott card is.

  • More crackdowns probably coming from other banks too.

  • I knew about some of these, but not all! Thanks!

  • I do not have the Marriott credit card, I may apply for this one too!

  • Thanks! Didn’t realize the Marriott Business card was exempt.

  • Thanks for the list. For me, you pointed out an enhanced British Airways offer. Hopefully, the large credit line I have on a Freedom card (Which was accomplished years ago, when credit cards offered 0%, no fee ‘balance transfers’, where they would just let you write a check, balance transfer or not,), isn’t a hindrance. I combined the credit lines from my all my Chase cards, which included the formally First USA and BankOne cards, and went to Chase during lunch and opened a one year) the length of the 0% offer) 6% CD.

  • Thanks for the info!

  • Good to know. I’ve been considering the BA card and didn’t realize it’s not part of 5/24.

  • I really need to apply for the Hyatt Credit Card. I have been impressed with my stays at Hyatts using Chase UR points transferred to their program. I already use the free night benefit on my IHG card each year, so I’m not sure why I have been putting this off. Maybe I’ll do it today..right after I earn my Marriott points for tweeting the answer to their question.

  • Might be worth to do some of the later ones (looking at Amazon) at the same time as applying for a better card (IHG, Hyatt etc). I personally might get the Amazon for the 5%

  • IHG card was quite useful in getting a status match with Hilton and with the low annual fee I will probably keep it awhile.

  • I am a go for some of these. Thank you ever so much for the clarity on the 5/24 etc.

  • Looks like a lot of Chase cards are the best, so they need to implement rules like this. For most people this is a nice selection to choose from if you’re affected by the restrictions!

  • Thank you for this useful post. The IHG card is a good card to keep.

  • Wow, I didn’t realise the sign-up bonus on some of these cards was so good.

  • Only a matter of time before other banks follow

  • I just don’t travel enough right now to justify getting new cards, though very hard to pass up! BA card is something but yeah those fees that I’ve seen on their redemption are a killer! But I REALLY want to try BA lon-jfk, etc. flights! Several blogs have put up pics and also are talking about the bedding and lounge. Any tips on flying first on BA without all the fees? I thought of redeeming miles from Chase UR to BA and then make sure to have enough to cover taxes, etc.? Any recommendations?

  • Thanks. I might have to give the British Airways card a try.

  • I decided to not open more than 2 cards per year going forward to keep me under 5/24. I am trying to wait a full year since my last application in April.

  • thanks!! I’m looking for a new card to get in at chase.

  • Hyatt and Marriott, check and check. The only question: which to get first…

  • I really don’t understand why anyone with a good credit history and a yen to just get away for a night doesn’t get and keep the IHG card. You don’t have to go to an exotic hotel half way round the world. Just treat yourself and a significant other to a night away for just $49! And if you go for the 5,000 point getaways your sign up bonus can get you a 12 night vacation!

  • Some good options here

  • The only tip to getting great value from BA Avios is to fly within the USA on AA and pay only the low government fees or fly within Europe and pay a fairly low fixed charge in addition to the points. Using BA Avios for long haul is very expensive in money. Usually better to pay just a little more and buy a flight getting points for that and credit card points as well!

  • Good to know what cards one can still go for.

  • Jess and group: Does it make any difference if I apply today late-December versus waiting until January 1st? I am thinking about applying for the Ritz Carlton, in order to spend the 75K in one year to obtain Plat status for SPG/MR/RC. If I complete spending in early 2018, does this mean I would become a Plat for the reminder of 2018 and all of 2019? Thank you.

  • Hyatt card was better IMO when you got two unrestricted nights as the sign up bonus. 40k pts not bad just not equivalent

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