All of the major credit card issuers have different rules when it comes to applying for their cards. Furthermore, these rules are constantly changing, as banks try to optimize their strategy as to what kind of card members they’re looking for.
With issuers coming up with more and more rules nowadays for being approved for cards, I’d like to provide an updated rundown of the rules from each of the major card issuers. In this post, I’ll discuss the basics you should be aware of if you want to be approved for a card by American Express, Chase, Citi, Capital One, Bank of America, and Barclays.
In this post:
Keep an excellent credit score & use cards responsibly
Before I get too deep into the rules, there are a few things I want to mention upfront.
First of all, this is intended for people with excellent credit. Credit cards can be extremely rewarding, and applying for lots of credit cards can even help your credit. Make sure you do what you can to keep your credit score high, which shouldn’t be too tough when keeping to best practices.
Second of all, you should only sign up for credit cards if you can use them responsibly. This means paying off your balance in full every billing cycle, and not increasing your spending hugely just because you’re not paying cash. Having the right credit cards can help you maximize rewards greatly, though the value of those rewards will quickly be offset if you’re paying 20%+ interest financing charges. So don’t do that.
Lastly, these rules are constantly changing, and I’m also generalizing here, so make sure you always study the terms on the application page of the card you’re considering getting. With that out of the way, let’s get into it.
American Express application rules
In my experience, American Express cards are among the easiest to be approved for, assuming you have good credit. There are also lots of lucrative cards earning Amex Membership Rewards points, which is the icing on the cake.
If you’re new to credit cards, I always recommend starting with Amex, because it’s the issuer that’s often the most generous when it comes to instant approvals, and having these cards can help you further build your credit history over time. In some ways Amex has strict rules for getting approved, while in other cases it doesn’t, so below are the rules to be aware of.
Once in a lifetime rule
The welcome offers on virtually all American Express cards are “once in a lifetime.” That means you can get the bonus on just about every card once, but you can’t get it again in the future. Even if you close a card, you won’t be eligible for the bonus on that card again in the future.
Note that this rule is based on whether you’ve had a card before, and not whether you’ve received a bonus on it. So if you had a card in the past but didn’t receive a bonus, you still wouldn’t be eligible for the bonus.
The good news is that the definition of “lifetime” might not be quite as strict as it sounds. Many report that seven years after canceling a card you’re eligible again, though that’s anecdotal rather than a published rule. Furthermore, sometimes there are targeted offers that don’t include this “once in a lifetime” restrictions.
Five credit card limit
American Express typically limits people to having five Amex credit cards at any given time. Note that this card limit don’t include cards without a fixed spending limit (often considered to be “hybrid” cards), like the following:
- The Platinum Card® from American Express (review)
- The Business Platinum Card® from American Express (review)
- The American Express® Gold Card (review)
- The American Express® Business Gold Card (review)
Two credit cards every 90 days
You won’t be approved for more than two Amex credit cards in a 90-day period. This limit excludes cards without a fixed spending limit, which are counted separately.
As far as two cards within 90 days goes, it’s generally okay to apply for two credit cards the same day — just expect that one application may be delayed a few days before it’s approved, and that’s fine.
Eligibility check
Amex denies bonuses to certain people based on their history with Amex, beyond the above rules. If this applies to you, you may receive a pop-up during the application process that reads as follows:
Based on your history with American Express welcome offers, introductory APR offers, or the number of cards you have opened and closed, you are not eligible to receive this welcome offer.
We have not yet performed a credit check. Would you still like to proceed?

Bank Of America application rules
Bank of America has several credit cards that are interesting to those looking to maximize rewards. For those into travel rewards, the Atmos™ Rewards Summit Visa Infinite® Credit Card (review), Atmos™ Rewards Ascent Visa Signature® Credit Card (review), and Atmos™ Rewards Visa Signature® Business Card (review), are probably the most interesting options. Below are the Bank of America application rules to be aware of.
2/3/4 rule
With the 2/3/4 rule, you can typically only be approved for at most two Bank of America credit cards in a rolling two month period, three credit cards in a rolling 12 month period, and four credit cards in a rolling 24 month period. Note that this policy is specific to personal cards, and doesn’t apply to business cards.
3/12 rule
Anecdotally, you generally won’t be approved for Bank of America personal cards if you’ve opened three or more new credit cards with all issuers in the past 12 months (much like with the Chase 5/24 rule, most business cards with other issuers don’t seem to count toward that limit).
The exception is if you have a deposit account with Bank of America, in which case the rule seems to instead be that you can’t be approved if you’ve opened seven or more cards in that period. Keep in mind there’s an additional incentive to opening an account with Bank of America, since you can receive a 10% relationship bonus on rewards.
24-month rule
Many Bank of America credit cards have a 24-month rule, where you can’t get a card if you’ve had that card in the past 24 months. Anecdotally that doesn’t apply to many business cards, and for that matter, enforcement doesn’t even seem consistent with personal cards.

Barclays application rules
Barclays has a limited number of co-branded travel credit cards, including with American, Hawaiian, and JetBlue (however, Barclays is losing its agreement with American and Hawaiian, so soon it’ll be limited to JetBlue). Unlike other issuers, Barclays has very few consistent restrictions on approvals.
Inconsistent rules
There are some general Barclays guidelines worth being aware of, though the catch is that they’re pretty inconsistently applied. If you’re considering a Barclays card:
- Barclays sometimes applies a 6/24 rule, whereby the issuer won’t approve you for a card if you’ve opened six or more new cards in the past 24 months (this is similar to Chase’s 5/24 rule)
- If you’re instantly approved for multiple Barclays cards in a day (which can be tough), the hard inquiries may be consolidated into one
- Generally speaking, you’re eligible for the bonus on a Barclays card if you’ve closed the same card at least six months ago, though there’s a lot of inconsistency there
- Barclays may consider your spending on other Barclays cards in deciding whether to approve you for a new one; in other words, if Barclays doesn’t see that you’re spending on your existing card, the issuer may not approve you for another card

Capital One application rules
Nowadays there are some phenomenal Capital One cards for earning travel rewards. There are several cards earning Capital One miles, probably the most popular of which are the Capital One Venture X Rewards Credit Card (review) and Capital One Venture X Business (review). Let’s look at what you need to know about applications with Capital One.
48-month rule
Personal Capital One cards have a 48-month rule, whereby existing or previous cardmembers of a particular card aren’t eligible for a product if they have received a new cardmember bonus for that exact product in the past 48 months.
Note that this only applies to that exact card, so you’re still eligible for the bonuses on different cards. This rule also isn’t published for business cards.
Inconsistent rules
Beyond the 48-month rule, there aren’t any consistent application rules I’ve been able to figure out with Capital One. Now, there are some rumored policies about being approved for at most one card every six months, and of not being allowed to have more than two personal cards. However, there are enough data points to contradict those, so I don’t consider them to be accurate.
I think the thing to understand is that Capital One can be quirky with approvals, and probably has more denials that we can’t make sense of than with some other card issuers. So don’t be shocked if you apply but are denied without being able to understand why.
Pull from all three credit bureaus
To me this isn’t a big issue and also doesn’t necessarily impact your odds of approval, but Capital One does generally pull credit from all three credit bureaus when you apply for a card. If your credit score is good, this shouldn’t really matter, though I know this is something that some people are concerned about.

Chase application rules
Chase largely has the most lucrative rewards credit cards, though Chase cards are also often the toughest to be approved for. If you want to be approved for a Chase card, there are a few restrictions to be aware of.
5/24 rule
Chase has what’s known as the 5/24 rule, where you typically won’t be approved for a Chase card if you’ve opened five or more new card accounts in the past 24 months. Most business card applications won’t count toward that limit, though.
Note that nowadays the 5/24 rule is no longer consistently enforced, as there are lots of data points contradicting it. So it’s something to be aware of, but don’t necessarily assume it will apply to you.
Two cards every 30 days
Chase will typically approve consumers for at most two personal cards in a 30-day period, and at most one business card in a 30-day period. As I said above, Chase is in many ways one of the toughest issuers, so don’t necessarily expect you’ll be approved for two cards in 30 days, though you might be.
No limit on how many cards you can have
Chase doesn’t seem to have a strict limit on how many total cards you can have from the issuer. Rather, Chase’s restriction seems to be based on how much total credit the issuer is willing to extend you. Often Chase will let you switch around credit lines on cards to be able to open a new card, in a situation where the company has extended you the maximum amount of credit.
24-month rule
Chase welcome bonuses mostly aren’t once in a lifetime, but rather are sometimes based on a 24-month rule.
The most common rule on cards is that you’re not eligible for the welcome bonus on a card if you currently have that card, or if you’re a previous cardmember who received a bonus on the card in the past 24 months. For example, this is the rule on the Chase Freedom FlexSM (review) and Chase Freedom Unlimited® (review).
Family card rules
For most Chase cards, eligibility for a welcome bonus is based on whether you’ve had that specific card before. However, for applications of Sapphire, Marriott, and Southwest cards, further “family” rules may apply. However, the exact rules do differ.
For example, with the Chase Sapphire Preferred® Card (review) and Chase Sapphire Reserve® (review) you’re not eligible for the bonus if you currently have either of the Sapphire cards, and you may also not be eligible if you previously held that particular card or received a cardmember bonus on that particular card. The rules there are quite vague, as you can tell.
There’s another version of the family card rules, like what you’ll find on Southwest’s three personal cards. You’re only eligible for the bonus on a particular card if you don’t currently have any card in that “family,” or haven’t received a new cardmember bonus on any card in the family in the past 24 months. In other words, you’re not eligible for the bonus on the Southwest Rapid Rewards® Plus Credit Card (review) if you have the Southwest Rapid Rewards® Priority Card (review).

Citi application rules
Citi is somewhere between American Express and Chase when it comes to how difficult it is to be approved for cards. I think the best way to describe Citi is that the issuer can be quirky when it comes to approvals. There are lots of great Citi cards, including cards earning Citi ThankYou points. Let’s take a look at the Citi application rules you should be aware of.
8/65-rule
Citi will approve you for at most one card every eight days, and at most two cards every 65 days. This is a rolling limit, so you’ll want to space out your Citi applications a bit, to maximize your odds of approval.
48-month rule
Much like with Chase, welcome bonuses aren’t once in a lifetime, but rather there’s a required waiting period. With Citi’s 48-month rule, you’re not eligible for the bonus on a card if you’ve received a bonus on that specific card in the past 48 months.
The good news is that eligibility for each card is generally considered independently. Furthermore, when you close a particular card doesn’t factor into whether you’re eligible for a bonus or not, but rather just if you’ve received a welcome bonus on a particular card in that timeframe.
Nowadays this applies to a vast majority of Citi cards, ranging from co-branded products like the Citi® / AAdvantage® Executive World Elite Mastercard® (review) and Citi® / AAdvantage Business™ World Elite Mastercard® (review), to Citi products like the Citi Strata Elite℠ Card (review) and Citi Strata Premier® Card (review).

Bottom line
As you can see, there’s a huge variance in terms of the rules for getting approved for credit cards with the major card issuers. In all cases, you’ll want to consult the terms listed on the credit card application for the card you’re considering.
Credit card issuers often update their policies as well, and while I’ll try to keep this updated, stuff often changes without us even knowing. If you have any experiences to share with credit card approvals please do, as it’s possible I missed something, and data points are always helpful.
What has your experience been with credit card approvals?
I’m at 3/12 and want to open the new atmos card while that mileage bonus is still available. Anyone know how strict BOA is with this?
Regarding CapitalOne, I was rejected for a Venture X card in spite of an 800+ credit score:
Based on your credit report from one or more of the agencies on the back of this letter, there are too many active credit cards based on your loan history
One of their specialists indicated no more than 4 or 5 "active" cards; however I wonder how Ben and so many others in this arena who have many more cards were approved for a Venture X card????
Chase has very recently changed the Sapphire rules. It used to be that you could get a new sign up bonus every 48 months if you product changed to a Freedom and did the Sapphire Switcharoo (went from Reserve to Freedom then singed up for Preferred for example). Now it seems that it's once in a lifetime bonus. Was about to do a switcharoo, but I'll be downgrading from Reserve to Preferred with a product change now with no SUB.
It seems like Wells Fargo also implements a 5/24 rule similar to Chase. Are you aware of any other rules regarding the WF portfolio of credit cards?
Chase absolutely still enforces 5/24. I was denied for a Sapphire in spite of having an 800+ credit score and $200k+ income, and the rep at reconsideration explicitly told me this was the reason why, and even used "5/24" terminology.
@ Vishant -- I hear you, and it still seems to be enforced for some people, but absolutely not all people. There are tons of data points out there of people being approved for Chase cards despite being over the limit. So I'm not sure what determines whether one is subjected to this or not, but it's a lot less consistent than in the past.