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Issuer rules · US & CA

Chase 5/24, Amex Once-Per-Lifetime and Every Issuer's Approval Rules

The rules US and Canadian issuers use to approve you and to decide whether you earn a welcome bonus: how many cards you opened recently, whether you have had the card before, and how long to wait between applications. From CardAPI.

11 rules across 5 issuers
Rules
11
Issuers
5
US issuers
4
Canadian issuers
1

Chase

3 rules · US

  1. Velocity

    5/24 Rule

    Chase will deny most applications if you have opened 5 or more personal credit cards across all issuers in the last 24 months.

    Note
    Includes cards from ALL issuers, not just Chase
    Max cards
    5
    Applies to
    Personal
    Period
    24 months

  2. Lifetime

    One Sapphire Rule

    You cannot hold more than one Sapphire product at a time. Must close existing Sapphire before applying for another.

  3. Timing

    48 Month Bonus Rule

    You cannot earn a Sapphire signup bonus if you received one in the last 48 months.

    Wait
    48 months

Chase cards these rules apply to

American Express

3 rules · US

  1. Lifetime

    Once Per Lifetime

    Amex limits signup bonuses to once per lifetime per card product.

    Note
    Some targeted offers may override this.

  2. Velocity

    2/90 Rule

    Amex limits you to 2 credit card approvals per 90-day rolling period.

    Max cards
    2
    Applies to
    Credit cards only
    Period
    90 days

  3. Velocity

    5 Credit Card Limit

    Amex limits you to 5 credit cards at once (charge cards excluded).

    Note
    Charge cards do not count
    Max concurrent
    5

American Express cards these rules apply to

Citi

2 rules · US

  1. Velocity

    8/65 Rule

    Citi limits you to 1 application per 8 days, and 2 applications per 65 days.

  2. Timing

    48 Month Bonus Rule

    Cannot earn signup bonus if you received one for the same card family in the last 48 months.

    Wait
    48 months

Citi cards these rules apply to

Capital One

1 rule · US

  1. Velocity

    2 Card Limit

    Capital One generally limits you to 2 personal Capital One credit cards at a time.

    Max concurrent
    2

Capital One cards these rules apply to

American Express Canada

2 rules · Canada

  1. Lifetime

    Once Per Lifetime (CA)

    Amex Canada limits welcome bonuses to once per lifetime per card product.

    Note
    Self-referrals may be an exception

  2. Timing

    No Churning Policy

    Amex Canada may claw back bonuses if you repeatedly open and close cards.

    Note
    Wait 12+ months between applications for same product

American Express Canada cards these rules apply to

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Velocity Rules

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