The Chase 30 Day Application Rule

Chase has some increasingly strict rules and restrictions for applying for their credit cards. There’s the 5/24 rule and there’s also the Chase 30 day rule. I’m going to shed some light on the 30 day rule in this article, as this rule can be quite confusing despite its apparent simplicity.

Chase combines hard pulls

It’s important to remember that Chase (or more accurately the credit bureaus) combines hard pulls so if you apply for two cards at the same time or near the same time, there will usually only be one hard pull on your credit report. This helps reduce the damage done to your credit score from recent inquiries and so it’s generally recommended to do so. The only thing is, you need to know how to go about the Chase 30 day rule if you’re going to be applying for more than one credit card.

What is the Chase 30 day rule?

The general consensus on this rule is that you cannot apply for more than two Chase cards within any 30 day period. This means the 30 day period does not reset at the end of a month. The simple way to make sure you are not violating this rule is to ask yourself the following question:

  • Have I opened more than 2 Chase cards within the past 30 days?

If the answer is yes, then you will likely be found in violation of this rule.

This isn’t a hard and fast rule like the Citi 8/65 rule, however, and there are some exceptions.

Only 1 Chase card sometimes allowed in 30 days

The “bad” exception is that sometimes applicants are denied more than 1 Chase card within a 30 day period. This is increasingly becoming less common based on newer data points and there are numerous theories on why applicants are only allowed one card. 

Some have reported that Chase runs an algorithm and pre-determines if you’re eligible for more than one card in a 30 day period. If this mysterious algorithm decides you can’t have two cards then presumably there’s nothing you can do about it.

There may also be a link to the type of Chase cards you apply for. For example, it might be that when someone applies for more than 1 Chase branded card, such as the Sapphire Preferred, Freedom, or Ink, they stand a higher chance of being denied than if they applied for a mix of a Chase branded card and a co-branded card (Southwest, United, Marriott, etc.).

Ultimately, I don’t think anybody knows why some applicants are only allowed one credit card in 30 days but based on my personal experience and research, these applicants denied two cards in 30 days make up the minority.

2 Chase cards are often approved in 30 days

Many people are able to be approved for two Chase branded cards at the same time or within a 30 day time span. This is an area where YMMV, but it’s definitely possible to get, for example, the Freedom and the Sapphire Preferred at the same time or any other duo you want to try. 

Note: When applicants combine the Chase Ink with another Chase card like the Sapphire at the same time, there are a lot of reports of one card being rejected. So if you really want the Chase Ink card consider applying for that separately. But yet again, some still get approved for both at the same time, so YMMV.

3 cards opened in 30 days

Now to add even more uncertainty in the mix, some people have even been approved for 3 cards within a 30 day period. These applicants tend to be extreme outliers so if you’re counting on this working for you, know that the odds are definitely stacked against you.

People who get approved for more than two cards in 30 days typically are applying for a business card along with two other personal cards. I have personally had success with opening up a 1 business + 2 personal cards in a span of 30 days, so I know it can be done.

With that said, I personally would not recommend applying for 3 Chase cards with 30 days, especially at once. There have been some reports of others getting shutdown from Chase and, although the data is very limited, there might be a link between accounts being flagged and having three applications at once.

So my recommendation is to just stick to two applications.

A note about recon

When you apply for two Chase cards at the same time, It’s not uncommon for one app to be approved while another app goes to pending. If this happens to you you should follow the normal course of action and wait it out or call into recon to see if you can get approved. (For business credit card applications read this first.) If you are told that you’re only allowed one card in 30 days then try to call recon back in 30 days and inquire if they can re-open your application without you incurring an additional hard pull.

A note about bankers

It’s not uncommon for bankers at a Chase branch to tell you that you cannot apply for more than one card at once. If that arises and you don’t want to argue, just do your application(s) online.

Conclusion

In the end, while there are some data points on either side of the equation, when it comes to the Chase 30 day application rule, it’s definitely possible to get approved for two Chase cards at once. Just remember as always YMMV. 

19 comments

  1. I was approved for Chase Southwest RR Premier card on May 5. On May 20, I applied for SW RR Business card and was given “Pending” status and was ultimately denied upon calling recon line. Right now, Chase is offering 60k sign-up bonus on SW RR Plus card so was thinking about going for that considering the reasons given for denying me Business card (business wasn’t old enough, not enough credit history with other lenders). I have 8 years of credit history with Wells Fargo, no missed/late payments ever. FICO 817.

    Given what you stated in your article, should I go 30 days from the date of my Premier card approval or from my May 20 denial?

    1. You should be in the clear. As of today, June 8, you only have one application made to Chase within the last 30 days. Chase’s rule, unlike Citi, tends to focus on number of approvals and not applications. But even if they went by applications, you’d still only have one app in the last 30 days. Thus, the 30 day rule should not have any effect on your approval odds if you apply today. Also, make sure you requested a match for your other card to 60K, assuming you received a lower bonus (40K or 50K).

      1. Wanted to follow up. Applied for the SW RR Plus card today and was approved. Appreciate the guidance!

  2. I had applied for Chase Southwest premier on 6/6 and CS Plus card on 6/8
    Was approved for premier, but denied for plus. Reason was too many cards opened in short period of time and they want to see how I use it. I had also opened a Chase United mileage explorer in March of this year. don’t have any other Chase.
    In case southwest extends the 60K offer, so it’s after 30 days from 6/8, can I try to re-apply for Plus? (need companion pass really badly :)) Or it won’t work for me since it’ll be 3 new cards within a year. Credit score is 800+

    1. Did you try recon on your 6/8 SW Plus application? You could try for the Plus again as soon as 7/8 but it looks like Chase feels like you’re moving too fast. When Chase denies you for too many cards in a short period of time, generally you want to wait at least a few months to reapply (I’d usually recommend at least 3). In this case, you’re kind of in a bind because at best you’ll probably lose out on a lot of time of your Companion Pass for the first year. Still, I’d probably wait to re-apply until after a few months. Even if the 60K bonus goes away, there’s a good chance that a 50K bonus for the Plus will be around.

      1. I did call for recon but didn’t work. Guess I will wait for a couple months. Pretty new to all this, thank you for the quick reply..appreciate it.

  3. I applied and was approved instantly on 6/12 for the RR Plus. I wanted the premier and now I would like both to double my mileage. I’m worried if I wait the full 30 days I will be denied. 5/24 rule is not a concern. Should I risk getting denied or apply? Trying to weigh the pros and cons

    1. If you only have one Chase card in the last 30 days then I would say apply for the second SW card. That 60K bonus is likely going away as soon as this week, so I think it’s worth a shot. If you’ve opened 2 Chase cards in the past 30 days, you’ll likely be denied.

  4. After working Hurd rebuilding my credit its been more than 5 years of my BK discharged I was finally approved for Amex every day card $11000 credit limit and every day blue cash $5000 credit limit got what are my chances to get approve for Chase freedom unlimited

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