How Many Chase Credit Card Applications are Permitted? Will I be Approved?

Since Chase is putting two outstanding offers back to back, people are obviously wondering if they’ll be able to get approved for the Chase Sapphire Preferred 50,000 bonus sign up promotion.

While there is no definitive way I can answer that question, I hope to clear up a few myths and share some facts that may help you with that decision.

Myth: Chase will only approve credit card applications within 60 days of each other.

If you have an open Chase credit card (even if you recently got one), you should still be able to get approved for a second Chase credit card.

Fact:  It may be 30 days, but certainly not more.

January 12th I was approved for a Chase brand credit card.  February 14th a second application was approved.  I did have to go through the process described in how to get approved for a Chase credit card, but it was a relatively painless process.

If you signed up for the British Airways card and you’re worried about it, just be sure to space 30 days between each application.  This offer should still be around in 30 days, but I can’t promise that because I honestly don’t know.

Myth: Chase will only allow you to have two Chase brand cards at a time.

Dan at Dan’s deals says in the comment area on one of his posts that he currently has 6 active Chase credit cards.

In the comment section of this post at the Points Guy it shows that there are several people who have 3 open and active Chase cards.

Truth: There is no listed limit to the number of Chase cards you can have.

Myth: Getting the “pending application” message is a bad sign.

My guess is that as they catch up with the BA applications and start this promotion, you’ll see more pending applications.  Don’t fret or worry.  Pending means just that – they need more time to look over the application.

Just wait 2-3 days and follow up with a phone call.

Fact: A pending application message indicates little about your likelihood to be approved, so don’t worry.

Will I get approved for my next Chase card?

I can’t answer that definitively.  But, here are a few questions to consider:

  1. How many credit card applications have you had in the recent past?  The fewer the better.
  2. How many Chase brand credit cards do you have?  When did you last apply?  The fewer the cards and the longer the time, the better.
  3. What is your credit score?  The higher, the better.  Don’t know?  Get a free check at Credit Sesame.


Ultimately, the question to ask yourself is what do I lose if I don’t get approved?  It will cost you a hard pull on your credit score (2-5 points).

If you get denied, would you be happier that at least you tried, or would you regret even applying?

In my case, I’d usually rather risk getting denied than sitting out a good offer like this.

Remember, the Chase application reconsideration department has a good track record of approving cards.  You may initially be denied, but you should follow up with a phone call.  Just follow how to get approved for a Chase credit card.

Questions?  Anyone have personal experiences that can shed light on the approval system at Chase?


  1. says

    I just paid a Citi credit card off. As tempting as all the rewards sound, I can’t bring myself to run back to the clutches of CitiGroup!

  2. James Vu says

    I have been aproved for Chase Sapphife 2 months . Then last week I applied for
    the southwest and have been denied because of multinification submiiting . When can I re-apply and do they pull out credit report everytimes they deny the
    multinification submitting reason . Thanks . James

  3. says

    I just got approved for the Marriott Premier Chase card. I guess I wasn’t thinking and I went ahead and applied for the Chase Sapphire Preferred card as well. I got a pending review notice after submission. Do you think I’ve got any chance of getting the Sapphire approved, Craig? I’ve still got my BA card as well. Maybe if I offer to close that one they’ll approve the Sapphire. Thoughts?

    Oddly enough, I applied for the Marriott Premier card for my wife and got a pending review notice rather than automatic approval. This happened with her BA card as well. Hoping at least this one goes through for her! Then we’ll see about the Chase Sapphire Preferred card for her as well.

    • Craig says

      I don’t think you should have any problems getting approved (even if you get a denial letter in the mail). Just call the reconsideration department and tell them why you want the Chase Sapphire Preferred card (they have more partner transfer options). If they still ho and hum ask if you could cancel the BA card and transfer the balance. I think you’ll be golden.
      I’ve had four Chase personal cards and one Chase business card approved this year.

      • says

        Thanks for the tips, Craig! I’m still getting our Hawaii trip put together. My goal is to do it for under $1,000 but I don’t think that will happen. Under $2,000 would be a very easy target though!

  4. Jeff says

    My wife has 5 active chase credit card at this time. Applied for united
    Explorer last week. Last chase app. Was sapphire preferred 6 months ago.
    She did not even need to call recon was approved 3 days after app. Account showed up
    Online. So it’s possible to have 5 or more.
    Chase card she have
    1. Sapphire regular open since 2001 I was willing to trade this one
    3. Freedom- 2010
    4. Sapphire preferred- dec 2011
    5. United explorer- July 2012

    • says

      Thanks for providing this as a reference point for other readers. What I’ve noticed about your applications is that they are well spaced out. I think this is the key. Too many applications too close together is a red flag.

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