AwardWallet receives compensation from advertising partners for links on the blog. The opinions expressed here are our own and have not been reviewed, provided, or approved by any bank advertiser. Here's our complete list of Advertisers.
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™ 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 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
|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® Card||Earn 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 Card||Amazon 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® Card||Earn up to 100,000 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® Cards||Earn 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® Card||Earn 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 Card||Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening. 25X points at IHG® hotels (10X points from the card and 15X earned as a Platinum Elite) and 2X points on purchases at gas stations, grocery stores, and restaurants. Annual certificate each year for a free night at a property of up to 40,000 points.|
|IHG® Rewards Club Traveler Credit Card||Earn 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 Card||Earn 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 Card||Earn 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 Card||Earn 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|
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 100,000 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.
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.