Credit Card Application Rules 2025 | Amex, Chase, Citi, & More

The application process for credit cards can be either exciting or frustrating, and knowing the rules makes all the difference. An approval for a new rewards credit card will put you well on your way to earning free flights, hotel stays, or cashback.

On the other hand, a denial letter does nothing except temporarily decrease your credit score due to the hard inquiry performed by the card issuer.  

So in order to set you up for success, let's cover the rules for the major credit card issuers. The most important policies we will cover are:

• the total number and types of credit cards each bank will issue to each individual
• the timing considerations between applications
• and the welcome bonus eligibility, or how long you have to wait between getting a bonus on the same card

Credit Card Application Rules By Bank

It is important to know there are no guarantees for approval, and there will always be exceptions to the rules. Nonetheless, even though the majority of these parameters are not formally stated or set in stone, these guidelines will greatly increase your chances on getting approved and not hurting your credit score unnecessarily.

Bank	Max # of Cards	Velocity of Applications	Bonuses Eligibility
American Express	5 credit cards, 10 cards without a preset spending limit	1 card every 5 days, 2 cards every 90 days	Once per “lifetime” (about 7 years) & Amex Family Language
Chase	No limit	5/24 – Max 5 cards in 24 months 2 cards every 30 days	Every 24-48 months
Bank of America	No limit	2/3/4 – 2 cards every 2 months, 3 every 12 mo., 4 every 24 mo.	24 months
Barclaycard	No limit	No restrictions	6 months
Capital One	2 personal cards? unlimited business	1 card every 6 mos.	12 months
Citi	No limit	1 personal card every 8 days, 2 every 65 days. 1 biz card every 95 days.	48 months
US Bank	No limit	No restrictions	Unknown
Wells Fargo	No limit	No restrictions	16 months

American Express Application Rules

The Platinum Card^® from American Express
Learn how to apply on our partner's secure site

• $695 annual fee. See more details about military protections for you and your spouse 
• Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership
• Earn 5x points on airfare booked directly with airline or on amextravel.com up to $500,000 per calendar year
• Earn 5x points on prepaid hotels at amextravel.com
• $200 Annual Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings through American Express Travel using your Platinum Card^®. Note that The Hotel Collection requires a minimum two-night stay
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month when you pay for eligible purchases with the Platinum Card^® at your choice of one or more of the following providers: Disney+, a Disney Bundle, ESPN+, Hulu, Peacock, The New York Times, and The Wall Street Journal. Enrollment required.
• $200 Uber Cash: Platinum Card® Members can get $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction. Enrollment required.
• $200 Airline Fee Credit: Up to $200 in statement credits per calendar year in baggage fees and more at 1 qualifying airline. Enrollment required.
• $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• This is a MAJOR time saver–$120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA PreCheck® official enrollment provider) application fee, when charged to your Platinum Card®! Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• With American Express Global Lounge Collection®, enjoy access to over 1,400 airport lounges globally, including The Centurion® Lounge, Unlimited Delta Sky Club® Access when flying an eligible Delta flight, EscapeLounges, Lufthansa Lounges when flying Lufthansa Group, Plaza Premium, Priority Pass™ Select Lounges, & Additional Global Lounge Collection Partner Lounges subject to visit limitations. Lounges may have their own rules, like additional access rules and guest fees, and for Priority Pass Select, you need to enroll and there are unlimited airport lounge visits for Card Members. With Delta Sky Club Access, Card Members will receive 10 Visits to the Delta Sky Club to be used from February 1 until January 31 of the next calendar year and can unlock Unlimited Delta Sky Club Access by spending $75,000 in eligible purchases on their Card in a calendar year. To find a lounge, visit the membership section in the American Express® App or visit http://www.americanexpress.com/findalounge#/loungefinder.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
• Up to $100 annual Saks Fifth Avenue credit, enrollment required
• Know if you're approved for a Card with no impact to your credit score. If you're approved and choose to accept this Card, your credit score may be impacted.
• No foreign transaction fees
• Enrollment is required for select benefits
• The Platinum Card^® from American Express – learn how to apply
• Read my full review of the Amex Platinum card for military, terms apply

American Express limits the number of credit cards you can have to 5 Amex credit cards. These can be a mix of either personal or business cards.

Here's my exact recommended order to apply for Amex cards as a military servicemember.

This 5 Amex credit card limit does not apply to cards without a preset spending limit, like the Amex Platinum, Amex Gold, or Amex Green cards. You can have up to 10 Amex cards without a preset spending limit. I know military families with more than 11 Amex Platinum cards. Personally, I have 7.

Cards like the The Platinum Card^® from American Express and American Express^® Gold Card, are different from credit cards in that they have no fixed spending limit.

You’re also supposed to pay the balance off in full every month, but American Express’s Pay Over Time feature allows you to carry the balance and pay interest just like you would with a credit card. However, carrying a balance is never advised as the interest you’ll pay will negate any of your hard-earned rewards.

It is possible to be approved for two cards in a single day, and if you’re lucky it will only result in one hard inquiry. However, you cannot be approved for two credit cards in a single day.

At least one, or both, must be a card without a preset spending limit. Furthermore, you can be approved for up to two cards in a 90 day period, with at least one being a card without a preset spending limit. 

You can receive the Amex welcome bonus for each card once per lifetime. The only exceptions to this rule are if there is a product change and the card rebrands itself, or if you see an offer without the lifetime language in the terms and description fine print.

If you see this:

“Welcome bonus offer not available to applicants who have or have had this product.” 

Amex “lifetime language”

Then you cannot get another welcome offer on this card if you got it before.

Also, pay attention to new Amex family language rules.

Chase Credit Card Application Rules

Chase Sapphire Reserve^® Card
Learn how to apply on our partner's secure site

• $550 annual fee waived to $0 for US military + spouses with Chase MLA policy
• Earn 60,000 bonus points after you spend $4,000 on eligible purchases in the first 3 months from account opening.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually.
• 3x Points on other Travel (airfare, hotels) after earning the $300 travel credit
• 3x Dining restaurants, takeouts, delivery
• Chase Ultimate Reward Points redeemed through Chase Travel℠ are worth 1.5 cents, a 50% bonus.
• Priority Pass lounge and restaurant access with over 1300+ airport lounges worldwide
• Up to $120 application fee credit for Global Entry every 4 years
• Count on Trip Cancellation/Interruption Insurance, Primary coverage with Auto Rental Coverage, Lost Luggage Insurance and more.
• No foreign transaction fees, Member FDIC
• Learn more in the Chase Sapphire Reserve review

Chase (Chase credit cards for military) is similar to other card issuers in that they don’t limit the number of cards you can have, but they do take into consideration your total line of credit and your number of hard inquires.

You can be approved for 2 personal credit cards every 30 days. You can also be approved for 2 business cards every 30 days.

Chase also has their famous (or infamous) Chase 5/24 rule. This means they will not approve you for additional cards if you have opened more than 5 cards in the last 24 months. This applies to all of your credit cards from any bank, not only cards issued by Chase.

The one loophole is business credit cards (like from Amex or Chase) do not count towards 5/24. Chase used to limit the 5/24 rule to only certain cards, but recent data points seem to insist this rule now applies to all Chase issued credit cards. 

It is possible to receive a welcome bonus multiple times on each card, but you must wait 24-48 months between receiving the bonuses. Each card varies so review the terms before submitting your application. 

There are some other unique rules for certain Chase cards. With regards to the Chase Sapphire Preferred (CSP military review) and the Chase Sapphire Reserve (CSR military review), you are not eligible to receive the bonus on one card if you currently have the other.

In addition, you must wait 48 months between bonuses to be eligible for a new bonus. In regards to the multiple Chase Southwest co-branded cards, you must wait 24 months between receiving bonuses for any cards in the Southwest family.

Bank of America

Bank of America does not limit the number of credit cards you may have, but they do consider the number of recent hard inquires on your credit report.

There is no set number of hard inquires which will result in automatically not being approved, but the more inquires you have will result in a greater likelihood of denial.

Additionally, they do limit the total amount of credit they will extend to each individual, so you may need to shift your lines of credit from one card to the next. 

Bank of America also has what is known as the “BOA 2/3/4 rule.” This means they will not approve you for more than two cards in 30 days, three cards in 12 months, or four cards in 24 months. It is important to note this does not apply to business cards.

BOA also has the 7/12 rule. This is different in that it applies to all credit cards you have and not only your Bank of America cards. They will not approve you for an additional card if it’s going to result in you having more than seven cards opened in a 12 month period.

Additionally, you’ll need to have a Bank of America deposit bank account open at the time of application or you’ll automatically be denied for having too many recent inquiries. 

You can receive the welcome bonus multiple times on each card, but you must wait 24 months after receiving the bonus to reapply for the card.

You’re also not eligible to receive a bonus within the same family of cards within 90 days. By the same family of cards I’m referring to receiving multiple welcome bonuses from a single rewards currency, such as receiving both the Alaskan Airlines Visa Credit Card bonus and the business version of the same card within 90 days.

Barclaycard

Barclaycard is similar to Bank of America in that they don’t limit the number of cards you can have, but they do take into consideration your total line of credit and your number of recent hard inquires. 

The only other rule is you must wait six months after cancelling a card before reapplying for the same card in order to be eligible for the welcome bonus again.

Capital One

Capital One is unique in that they will only allow you to have two personal cards at any given time. There is no limit on the number of Capital One business cards.

Check out the best Capital One credit cards for military servicemembers and their spouses.

They also have the 1/6 rule, which simply means they will only approve you for one card every six months. This applies to both personal and business cards.

You can receive the welcome bonuses multiple times for each card, but you must wait one year in between receiving the bonuses.

Citi

Citi^® AAdvantage^® Executive World Elite Mastercard^®
Learn how to apply on our partner's secure site

• Earn 70,000 American Airlines AAdvantage^® bonus miles after making $7,000 in purchases in the first 3 months of account opening
• Admirals Club^® membership for you and access for up to two guests or immediate family members traveling with you
• No Foreign Transaction Fees on purchases
• Earn 1 Loyalty Point for every 1 eligible AAdvantage^® mile earned from purchases
• First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation

Citi also does not limit your number of cards, but they do look at your total line of credit and number of hard inquiries. Check out the recently confirmed Citi military policy.

They will approve you for one personal card every eight days, and two personal cards within 65 days. For business cards, they will only approve you for one every 95 days. 

It’s possible to receive welcome bonuses multiples times as long as you wait 24 months from the time you’ve received the prior bonus.

Citi’s other rule requires a 24 month period between receiving bonuses for cards in the same family, such as American Airlines cobranded cards and cards that earn Citi Thank You points, like the Citi Prestige card for military.

• Citi^® Double Cash Card
• Citi^® / AAdvantage® Platinum Select^® World Elite Mastercard^®
• Citi^® / AAdvantage^® Executive World Elite Mastercard^®
• Citi Premier^® Card
• Citi Prestige^® Card

Citi Strata Premier^℠ Card
Learn how to apply on our partner's secure site

• Earn 70,000 bonus ThankYou(R) Points after you spend $4,000 in purchases within the first 3 months of account opening
• 70,000 points are redeemable for $700 in gift cards at thankyou.com
• Earn 10 points per $1 spent on hotels, car rentals, and attractions through CitiTravel.com
• Earn 3 points per $1 spent at at restaurants and supermarkets
• Earn 3 points per $1 spent on Gas Stations, Air Travel, and Hotels
• 1 point per $1 on everything else
• $100 Annual Hotel Savings Benefit
• No foreign transaction fees
• $95 annual fee waived for military with Citi military policy

US Bank

US Bank does not limit your number of cards, but again will consider recent inquiries and you overall extended line of credit.

Their only other rule applies to the US Bank Altitude Reserve Visa Infinite Card. In order to be approved for this card you must have a prior relationship with the bank, which can be as simple as a owning a free checking account. 

Wells Fargo

Wells Fargo is similar in that they do not limit the total number of cards you can have, but they will look at the other normal parameters. 

You’re only eligible to receive one welcome bonus every 16 months. However, personal and business cards are considered separate entities, so you can receive one welcome bonus for each in a 16 month period.

Final Thoughts on Credit Card Application Rules

Approval for a new rewards card will give you the inspiration to begin planning new trips so you can see the world. Spencer managed to fly to Singapore, New Zealand, and Australia in business class on just points.

Opening a new card will also make you begin to think of all the things you’ll be able to do with the money you’ve saved on airfare, hotels, and cashback. Conversely, getting denied will only frustrate you and delay your future travel plans. So it’s very important to know the credit card application rules.

One last piece of advice which has greatly helped me in the past is to call reconsideration lines following an application submission that does not receive an immediate approval.

In some cases, the representative has the power to approve or deny your application on the spot. So remember to be extremely courteous and as kind as possible when asking the representative if there is anything you can do, or any information you can provide, which will help them approve you for your desired card. Best of luck with your future applications!

FAQ for Credit Card Application Rules