How many Chase credit cards can you have?

There is currently no official limit to how many Chase credit cards you can have. There used to be a rule according to which you couldn’t obtain a Chase-branded credit card if you had opened five or more credit card accounts from any issuer in the past 24 months. But according to Chase customer service, this rule no longer applies.

Things to Know About Chase Limitations on Opening a New Credit Card

• There is no official limit on how many Chase cards you can have.
  When you apply for a card, Chase will take into consideration your credit score, credit history and your overall creditworthiness. Other factors, such as your income and existing debt will also be taken into consideration.
• The 5/24 rule.
  When this rule was in effect, it meant that you couldn’t get approved for most Chase cards if you had opened five or more personal credit cards (from any card issuer) within the past 24 months. However, Chase no longer takes this factor into consideration for their credit card applications.
• Limitations on the type of Chase credit cards you can have.
  It is worth noting that Chase does not allow cardholders to have both the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® at the same time. This rule is due to Chase’s strict eligibility requirements about who can open a new travel credit card. But in case you change your mind afterwards, you can always request to upgrade or downgrade your card.
• Signup bonus restrictions.
  You are not eligible for a new card’s initial bonus if you’ve received a bonus for any Chase card in the past 24 or 48 months (depending on the card).
• What to consider if you’re denied for a card because you have too many.
  In case this happens, you can always call the Chase’s Lending Team at (888) 609-7805 and ask for reconsideration. But in order to get a denial overturned, you typically need to prove that something on your application was incorrect or incomplete.

It is also worth noting that too many credit card applications within a short period can damage your credit standing enough to cause rejection even without an account limit in place. It also tells the lenders that you are desperate to borrow, which doesn’t bode well for your ability to pay. So, make sure you only apply for the card that best suits your needs.

Some of the Best Chase Credit Cards

Some cardholders may also get more credit cards in order to use the Island Approach. But even in this case, five cards are plenty. You could, for example, get the best cash back credit card on the market as well as the best travel rewards card, the best balance transfer card and the best 0% APR credit card, and still have room for your favorite retailer’s store card.

You can learn more about how to identify your ideal number of credit cards on Wallethub’s guide. Plus, you can check your credit score for free to better target your applications.

That's not really disclosed. The 5/24 rule is one of the biggest online rumors about Chase. People say most co-branded cards don't fall under it, like the airline ones, but most cards with rewards do. Still, if you've got 5 already, you might wanna call them before applying, at (302) 594-8200. You wouldn't want to risk an inquiry for nothing.