Understanding Rewards Credit Card Application Rules and Restrictions [2025] Understanding Rewards Credit Card Application Rules and Restrictions [2025]

Understanding Rewards Credit Card Application Rules and Restrictions [2025]

Wondering which credit card you can apply for next? Issuer rules vary widely — and much of the information out there is incomplete or unpublished. This guide breaks down major bank restrictions, including Chase’s 5/24 rule and which issuers expect you to have a checking account. We’ve compiled what’s known, plus community data points, all in one place.