All Chase Credit Cards (35)
Chase is the largest credit card issuer in the US, offering everything from no-annual-fee cash back to ultra-premium travel cards. Most cards earn Chase Ultimate Rewards — one of the most valuable transferable currencies, worth up to 2.05¢ per point. The famous 5/24 rule limits approvals to applicants who have opened fewer than 5 new cards in the past 24 months.
Application Rules & Restrictions
Understanding these issuer-specific rules helps you time applications strategically and maximize welcome bonus eligibility.
- 5/24 Rule: Chase auto-denies applicants who have opened 5+ new credit card accounts (any bank) in the last 24 months.
- 2/30 Rule: Chase typically limits approvals to 2 personal cards per 30 days.
- 1/30 Rule: Only 1 business card per 30 days.
- 48-Month Rule (Sapphire): Sapphire Preferred and Sapphire Reserve bonuses can only be earned once every 48 months — even if you cancel and reapply.
- Ink Bonus Limit: Chase has added stricter limits on Ink business card approvals, often denying if you have 2+ Ink cards already.
- Total Exposure: Chase may ask you to move credit between cards if your total Chase credit limit is very high before approving a new card.
Frequently Asked Questions
What is Chase 5/24?
The 5/24 rule is Chase's policy of automatically denying credit card applications from people who have opened 5 or more new credit cards (from any bank, not just Chase) in the past 24 months. It's the most important rule to understand when building a Chase card strategy.
Can I get both Sapphire Preferred and Sapphire Reserve?
No. Chase only allows one Sapphire-branded personal card at a time. You must cancel your current Sapphire card and wait for the annual fee to be refunded before applying for the other.
How many Chase Ultimate Rewards points are worth?
Chase Ultimate Rewards points are typically valued at 2.0–2.1 cents each when transferred to airline and hotel partners like Hyatt, United, or Air France. Through the Chase Travel portal, Sapphire Reserve cardholders get 1.5¢ per point and Sapphire Preferred gets 1.25¢ per point.
Is Chase Ultimate Rewards the best loyalty program?
For most travelers, yes. Chase UR transfers to 14 airline and hotel partners including Hyatt (often the best value), United, Southwest, Air Canada, and British Airways Avios. The ability to book Hyatt hotels at exceptional value makes Chase UR uniquely powerful.
What's the best Chase card with no annual fee?
The Chase Freedom Unlimited (1.5% on everything + bonus categories) and Freedom Flex (5% on rotating categories) are the top no-fee options. They become even more valuable when paired with a Sapphire card — you can pool points and transfer to partners.