{ "version": "issuer-audit-2026-10-06", "rulesVerifiedAt": "2026-10-06", "rules": [ { "id": "RULE-001", "name": "Rechecking a moved card", "issuer": "All issuers", "statement": "Changing a planned date requires account, application-timing and welcome-offer checks to run again.", "type": "planning", "scope": "Cards moved to another date in a plan.", "productIds": [], "evidenceType": "planning", "label": "ApplyOrWait planning default", "sources": [ { "url": "https://www.doctorofcredit.com/citis-application-rule-explained-865-rule/", "publisher": "doctorofcredit.com", "title": "[Update] Citi’s Application Rules Explained (8/65 rule) - Doctor Of Credit", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; updated 2023-11-03", "checkedAt": "2026-10-06" }, { "url": "https://www.doctorofcredit.com/httpswww-doctorofcredit-combank-america-312-rule-credit-card-approvals-contribute-data-points/", "publisher": "doctorofcredit.com", "title": "New Bank of America ‘2/3/4 Rule’ for Credit Card Approvals [Confirmed] - Doctor Of Credit", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; published 2017-10-04", "checkedAt": "2026-10-06" }, { "url": "https://www.wellsfargo.com/credit-cards/documents/active-cash-terms/", "publisher": "wellsfargo.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live page", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.doctorofcredit.com/citis-application-rule-explained-865-rule/", "https://www.doctorofcredit.com/httpswww-doctorofcredit-combank-america-312-rule-credit-card-approvals-contribute-data-points/", "https://www.wellsfargo.com/credit-cards/documents/active-cash-terms/" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; updated 2023-11-03", "Accessed 2026-10-06 UTC; published 2017-10-04", "Accessed 2026-10-06 UTC; undated live page" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-002", "name": "Checks for selected cards", "issuer": "All issuers", "statement": "A selected card remains subject to account, timing, bonus and offer-availability checks. A preference cannot override those checks.", "type": "planning", "scope": "Cards added or pinned to a plan.", "productIds": [], "evidenceType": "planning", "label": "ApplyOrWait planning default", "sources": [ { "url": "https://www.wellsfargo.com/credit-cards/documents/active-cash-terms/", "publisher": "wellsfargo.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live page", "checkedAt": "2026-10-06" }, { "url": "https://www.capitalone.com/credit-cards/secured-platinum/", "publisher": "capitalone.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live page", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.wellsfargo.com/credit-cards/documents/active-cash-terms/", "https://www.capitalone.com/credit-cards/secured-platinum/" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; undated live page", "Accessed 2026-10-06 UTC; undated live page" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-003", "name": "Credit-building account checks", "issuer": "All issuers", "statement": "Credit-building cards retain their issuer eligibility, account-history and funding checks before a planned opening.", "type": "planning", "scope": "Secured and credit-building recommendations.", "productIds": [], "evidenceType": "planning", "label": "ApplyOrWait planning default", "sources": [ { "url": "https://www.openskycc.com/", "publisher": "openskycc.com", "title": "OpenSky", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live page", "checkedAt": "2026-10-06" }, { "url": "https://www.chime.com/credit/chime-card/", "publisher": "chime.com", "title": "Chime Secured Credit Card | Chime Card", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live page", "checkedAt": "2026-10-06" }, { "url": "https://www.capitalone.com/credit-cards/secured-platinum/", "publisher": "capitalone.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live page", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.openskycc.com/", "https://www.chime.com/credit/chime-card/", "https://www.capitalone.com/credit-cards/secured-platinum/" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; undated live page", "Accessed 2026-10-06 UTC; undated live page", "Accessed 2026-10-06 UTC; undated live page" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-004", "name": "Amex 1/5", "issuer": "American Express", "statement": "Applicants commonly report a five-day gap between Amex credit-card approvals. Exceptions occur; this is an unpublished pattern.", "type": "application", "scope": "Personal and business Amex credit-card approvals; charge cards are treated separately.", "productIds": [], "evidenceType": "observed", "label": "Applicant reports", "sources": [ { "url": "https://www.asksebby.com/articles/amex-rules", "publisher": "asksebby.com", "title": "AskSebby - Rules to Know for American Express Credit Card Applications 2026", "titleCheckedAt": "2026-10-07", "dateNote": "updated 2026-02-10; only dated velocity observations used; accessed 2026-10-06 UTC", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.asksebby.com/articles/amex-rules" ], "evidenceDates": [ "updated 2026-02-10; only dated velocity observations used; accessed 2026-10-06 UTC" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/amex-2-90-rule" }, { "id": "RULE-005", "name": "Amex same-product 90-day spacing", "issuer": "American Express", "statement": "Applicant reports describe a 90-day approval gap when Amex treats two cards as the same application product.", "type": "application", "scope": "Repeated applications in the same product class, including Bevy and Brilliant.", "productIds": [], "evidenceType": "observed", "label": "Applicant reports", "sources": [ { "url": "https://frequentmiler.com/spglux/", "publisher": "frequentmiler.com", "title": "Marriott Bonvoy Brilliant® American Express® Card", "titleCheckedAt": "2026-10-07", "dateNote": "undated maintained Brilliant tracker; accessed 2026-10-06 UTC", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://frequentmiler.com/spglux/" ], "evidenceDates": [ "undated maintained Brilliant tracker; accessed 2026-10-06 UTC" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/amex-2-90-rule" }, { "id": "RULE-006", "name": "Amex Blue Cash family offers", "issuer": "American Express", "statement": "Current or earlier ownership of a named Blue Cash card may restrict a welcome offer or introductory rate on another. Check the direction stated in the offer.", "type": "bonus / introductory offer", "scope": "Blue Cash Everyday and Blue Cash Preferred; prior ownership and the specific offer matter. Named products: Blue Cash Everyday; Cash Magnet; Blue Cash Preferred.", "productIds": [ "amex-blue-cash-everyday", "amex-cash-magnet", "amex-blue-cash-preferred", "amex-blue-cash-preferred-morgan-stanley" ], "evidenceType": "secondary", "label": "Issuer terms · Secondary source", "sources": [ { "url": "https://www.doctorofcredit.com/american-express-adds-family-language-to-blue-cash-cards/", "publisher": "doctorofcredit.com", "title": "American Express Adds Family Language To Blue Cash Cards - Doctor Of Credit", "titleCheckedAt": "2026-10-07", "dateNote": "2023-10-03 published; accessed 2026-10-06", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.doctorofcredit.com/american-express-adds-family-language-to-blue-cash-cards/" ], "evidenceDates": [ "2023-10-03 published; accessed 2026-10-06" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-007", "name": "Amex Delta personal family offers", "issuer": "American Express", "statement": "Earlier ownership of a higher-tier personal Delta card may restrict a lower-tier welcome offer.", "type": "bonus", "scope": "Personal Delta credit cards; business offers have separate terms. Named products: Delta SkyMiles Gold; Delta SkyMiles Platinum; Delta SkyMiles Reserve; Delta SkyMiles Gold Business.", "productIds": [ "amex-delta-skymiles-gold", "amex-delta-skymiles-platinum", "amex-delta-skymiles-reserve", "amex-delta-gold-business" ], "evidenceType": "secondary", "label": "Issuer terms · Secondary source", "sources": [ { "url": "https://www.doctorofcredit.com/american-express-adds-family-language-to-delta-personal-cards/", "publisher": "doctorofcredit.com", "title": "American Express Adds Family Language To Delta Personal Cards - Doctor Of Credit", "titleCheckedAt": "2026-10-07", "dateNote": "2023-09-18 published; accessed 2026-10-06", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.doctorofcredit.com/american-express-adds-family-language-to-delta-personal-cards/" ], "evidenceDates": [ "2023-09-18 published; accessed 2026-10-06" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-008", "name": "Amex card-holding limits", "issuer": "American Express", "statement": "Applicants commonly report a limit of five Amex credit cards, including business cards. Reported exceptions do not establish an individual limit.", "type": "application", "scope": "Open personal and business Amex credit cards, combined.", "productIds": [], "evidenceType": "observed", "label": "Applicant reports", "sources": [ { "url": "https://www.doctorofcredit.com/report-new-american-express-rule-limits-10-charge-cards-per-person/", "publisher": "doctorofcredit.com", "title": "[Update] American Express Rule - 10 Charge Cards Per Person - Doctor Of Credit", "titleCheckedAt": "2026-10-07", "dateNote": "2026-04-10 updated; accessed 2026-10-06", "checkedAt": "2026-10-06" }, { "url": "https://frequentmiler.com/amex-cards-charge-cards-vs-credit-cards/", "publisher": "frequentmiler.com", "title": "Which Amex Cards are Credit Cards? How many can you get?", "titleCheckedAt": "2026-10-07", "dateNote": "2025-12-26 updated; accessed 2026-10-06", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.doctorofcredit.com/report-new-american-express-rule-limits-10-charge-cards-per-person/", "https://frequentmiler.com/amex-cards-charge-cards-vs-credit-cards/" ], "evidenceDates": [ "2026-04-10 updated; accessed 2026-10-06", "2025-12-26 updated; accessed 2026-10-06" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/amex-2-90-rule" }, { "id": "RULE-009", "name": "Amex welcome-bonus history", "issuer": "American Express", "statement": "An Amex welcome offer may exclude someone who held that card or an earlier version. The accepted offer determines eligibility.", "type": "bonus", "scope": "Prior ownership of the same card or an earlier version, even without a bonus.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-business-american-express-card/42732-9-0?key=tncBody&rwdFlag=rwd", "publisher": "americanexpress.com", "title": "Marriott Bonvoy Business American Express Card | Business Credit Card Application - Terms, Conditions & Disclosures", "titleCheckedAt": "2026-10-07", "dateNote": "2026-09-24 rates; accessed 2026-10-06; offer ends 2026-11-04", "checkedAt": "2026-10-06" }, { "url": "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/hilton-honors-credit-card/25330-10-0", "publisher": "americanexpress.com", "title": "Hilton Honors Card - Terms, Conditions & Disclosures", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-04 rates; accessed 2026-10-06; offer ends 2027-01-13", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-business-american-express-card/42732-9-0?key=tncBody&rwdFlag=rwd", "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/hilton-honors-credit-card/25330-10-0" ], "evidenceDates": [ "2026-09-24 rates; accessed 2026-10-06; offer ends 2026-11-04", "2026-10-04 rates; accessed 2026-10-06; offer ends 2027-01-13" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-010", "name": "Amex Marriott offer relationships", "issuer": "American Express", "statement": "Earlier Brilliant ownership may affect a Bevy welcome offer. There is no single 24-month waiting period covering every Amex Marriott offer.", "type": "bonus", "scope": "Bevy, Brilliant and Marriott Bonvoy Business; each offer is assessed separately. Named products: Marriott Bonvoy Bevy; Marriott Bonvoy Brilliant.", "productIds": [ "amex-marriott-bonvoy-bevy", "amex-marriott-bonvoy-brilliant" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-bevy-card/26129-10-0/", "publisher": "americanexpress.com", "title": "Marriott Bonvoy Bevy® American Express® Card - Terms, Conditions & Disclosures", "titleCheckedAt": "2026-10-07", "dateNote": "2026-09-22 rates; accessed 2026-10-06; PROMOTION EXPIRED 2026-09-30", "checkedAt": "2026-10-06" }, { "url": "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-brilliant-card/26129-10-0", "publisher": "americanexpress.com", "title": "Marriott Bonvoy Brilliant® American Express® Card - Terms, Conditions & Disclosures", "titleCheckedAt": "2026-10-07", "dateNote": "2026-09-30 rates; accessed 2026-10-06; PROMOTION EXPIRED 2026-09-30", "checkedAt": "2026-10-06" }, { "url": "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-business-american-express-card/42732-9-0?key=tncBody&rwdFlag=rwd", "publisher": "americanexpress.com", "title": "Marriott Bonvoy Business American Express Card | Business Credit Card Application - Terms, Conditions & Disclosures", "titleCheckedAt": "2026-10-07", "dateNote": "2026-09-24 rates; accessed 2026-10-06; offer ends 2026-11-04", "checkedAt": "2026-10-06" }, { "url": "https://www.doctorofcredit.com/american-express-adds-new-restrictive-language-to-marriott-cards/", "publisher": "doctorofcredit.com", "title": "(Update: Reversal) American Express Adds New Restrictive Language To Marriott Cards", "titleCheckedAt": "2026-10-07", "dateNote": "2026-05-14 updated; accessed 2026-10-06", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-bevy-card/26129-10-0/", "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-brilliant-card/26129-10-0", "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-business-american-express-card/42732-9-0?key=tncBody&rwdFlag=rwd", "https://www.doctorofcredit.com/american-express-adds-new-restrictive-language-to-marriott-cards/" ], "evidenceDates": [ "2026-09-22 rates; accessed 2026-10-06; PROMOTION EXPIRED 2026-09-30", "2026-09-30 rates; accessed 2026-10-06; PROMOTION EXPIRED 2026-09-30", "2026-09-24 rates; accessed 2026-10-06; offer ends 2026-11-04", "2026-05-14 updated; accessed 2026-10-06" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-011", "name": "Marriott offers across issuers", "issuer": "American Express", "statement": "Marriott offers use different tests for prior ownership, recent approvals and welcome or upgrade bonuses. Read the selected offer and use the relevant dates.", "type": "bonus", "scope": "Named Chase and Amex Marriott cards; ownership, approvals and bonus receipts are separate events. Named products: Marriott Bonvoy Business; Marriott Bonvoy Bold; Marriott Bonvoy Boundless; Marriott Bonvoy Bountiful; Marriott Bonvoy Brilliant; Marriott Bonvoy Bevy.", "productIds": [ "amex-marriott-bonvoy-business", "chase-marriott-business-legacy", "chase-marriott-bonvoy-bold", "chase-marriott-bonvoy-boundless", "chase-marriott-bonvoy-bountiful", "amex-marriott-bonvoy-brilliant", "chase-ritz-carlton", "amex-marriott-bonvoy-bevy", "chase-marriott-premier", "chase-marriott-premier-plus" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-business-american-express-card/42732-9-0?key=tncBody&rwdFlag=rwd", "publisher": "americanexpress.com", "title": "Marriott Bonvoy Business American Express Card | Business Credit Card Application - Terms, Conditions & Disclosures", "titleCheckedAt": "2026-10-07", "dateNote": "2026-09-24 rates; accessed 2026-10-06; offer ends 2026-11-04", "checkedAt": "2026-10-06" }, { "url": "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-bevy-card/26129-10-0/", "publisher": "americanexpress.com", "title": "Marriott Bonvoy Bevy® American Express® Card - Terms, Conditions & Disclosures", "titleCheckedAt": "2026-10-07", "dateNote": "2026-09-22 rates; accessed 2026-10-06; PROMOTION EXPIRED 2026-09-30", "checkedAt": "2026-10-06" }, { "url": "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-brilliant-card/26129-10-0", "publisher": "americanexpress.com", "title": "Marriott Bonvoy Brilliant® American Express® Card - Terms, Conditions & Disclosures", "titleCheckedAt": "2026-10-07", "dateNote": "2026-09-30 rates; accessed 2026-10-06; PROMOTION EXPIRED 2026-09-30", "checkedAt": "2026-10-06" }, { "url": "https://www.doctorofcredit.com/american-express-adds-new-restrictive-language-to-marriott-cards/", "publisher": "doctorofcredit.com", "title": "(Update: Reversal) American Express Adds New Restrictive Language To Marriott Cards", "titleCheckedAt": "2026-10-07", "dateNote": "2026-05-14 updated; accessed 2026-10-06", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-business-american-express-card/42732-9-0?key=tncBody&rwdFlag=rwd", "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-bevy-card/26129-10-0/", "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-brilliant-card/26129-10-0", "https://www.doctorofcredit.com/american-express-adds-new-restrictive-language-to-marriott-cards/" ], "evidenceDates": [ "2026-09-24 rates; accessed 2026-10-06; offer ends 2026-11-04", "2026-09-22 rates; accessed 2026-10-06; PROMOTION EXPIRED 2026-09-30", "2026-09-30 rates; accessed 2026-10-06; PROMOTION EXPIRED 2026-09-30", "2026-05-14 updated; accessed 2026-10-06" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-012", "name": "Amex Green, Gold and Platinum offers", "issuer": "American Express", "statement": "Taking Platinum first may restrict a later Gold or Green welcome offer. Personalized offers can differ.", "type": "bonus", "scope": "Personal Membership Rewards charge cards; directional family conditions. Named products: American Express Classic Green Card; Gold Card; Platinum Card.", "productIds": [ "amex-green", "amex-gold", "amex-platinum", "amex-platinum-schwab", "amex-platinum-morgan-stanley" ], "evidenceType": "secondary", "label": "Issuer terms · Secondary source", "sources": [ { "url": "https://www.doctorofcredit.com/american-express-adds-family-language-to-personal-gold-card/", "publisher": "doctorofcredit.com", "title": "American Express Adds Family Language To Personal Gold Card - Doctor Of Credit", "titleCheckedAt": "2026-10-07", "dateNote": "2023-10-09 published; accessed 2026-10-06", "checkedAt": "2026-10-06" }, { "url": "https://www.doctorofcredit.com/american-express-adds-family-language-to-green-card/", "publisher": "doctorofcredit.com", "title": "American Express Adds Family Language To Green Card - Doctor Of Credit", "titleCheckedAt": "2026-10-07", "dateNote": "2024-02-09 published; accessed 2026-10-06", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.doctorofcredit.com/american-express-adds-family-language-to-personal-gold-card/", "https://www.doctorofcredit.com/american-express-adds-family-language-to-green-card/" ], "evidenceDates": [ "2023-10-09 published; accessed 2026-10-06", "2024-02-09 published; accessed 2026-10-06" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-013", "name": "Amex 2/90", "issuer": "American Express", "statement": "Applicants commonly report no more than two Amex credit-card approvals in 90 days. Charge cards are generally treated separately, and exceptions occur.", "type": "application", "scope": "Personal and business Amex credit-card approvals in a rolling 90-day window.", "productIds": [], "evidenceType": "observed", "label": "Applicant reports", "sources": [ { "url": "https://www.asksebby.com/articles/amex-rules", "publisher": "asksebby.com", "title": "AskSebby - Rules to Know for American Express Credit Card Applications 2026", "titleCheckedAt": "2026-10-07", "dateNote": "updated 2026-02-10; only dated velocity observations used; accessed 2026-10-06 UTC", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.asksebby.com/articles/amex-rules" ], "evidenceDates": [ "updated 2026-02-10; only dated velocity observations used; accessed 2026-10-06 UTC" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/amex-2-90-rule" }, { "id": "RULE-014", "name": "Amex personalized welcome offer", "issuer": "American Express", "statement": "Amex decides whether a welcome offer is available and the amount offered. A no-bonus eligibility warning means that bonus cannot be counted.", "type": "bonus", "scope": "The welcome offer actually presented to the applicant.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-business-american-express-card/42732-9-0?key=tncBody&rwdFlag=rwd", "publisher": "americanexpress.com", "title": "Marriott Bonvoy Business American Express Card | Business Credit Card Application - Terms, Conditions & Disclosures", "titleCheckedAt": "2026-10-07", "dateNote": "2026-09-24 rates; accessed 2026-10-06; offer ends 2026-11-04", "checkedAt": "2026-10-06" }, { "url": "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/hilton-honors-credit-card/25330-10-0", "publisher": "americanexpress.com", "title": "Hilton Honors Card - Terms, Conditions & Disclosures", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-04 rates; accessed 2026-10-06; offer ends 2027-01-13", "checkedAt": "2026-10-06" }, { "url": "https://www.americanexpress.com/en-us/credit-cards/offers/resy/?date=2023-10-02&seats=2", "publisher": "americanexpress.com", "title": "Dining Credit Card Offers from Amex x Resy | American Express", "titleCheckedAt": "2026-10-07", "dateNote": "live personal Gold/Platinum variable-offer listing; accessed 2026-10-06 UTC", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-business-american-express-card/42732-9-0?key=tncBody&rwdFlag=rwd", "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/hilton-honors-credit-card/25330-10-0", "https://www.americanexpress.com/en-us/credit-cards/offers/resy/?date=2023-10-02&seats=2" ], "evidenceDates": [ "2026-09-24 rates; accessed 2026-10-06; offer ends 2026-11-04", "2026-10-04 rates; accessed 2026-10-06; offer ends 2027-01-13", "live personal Gold/Platinum variable-offer listing; accessed 2026-10-06 UTC" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-015", "name": "Bank of America 2/3/4", "issuer": "Bank of America", "statement": "Applicants report two approvals in two months, three in 12 months and four in 24 months. These unpublished limits have exceptions.", "type": "application", "scope": "Bank of America consumer-card approvals, using rolling calendar-month windows.", "productIds": [], "evidenceType": "observed", "label": "Applicant reports", "sources": [ { "url": "https://www.doctorofcredit.com/httpswww-doctorofcredit-combank-america-312-rule-credit-card-approvals-contribute-data-points/", "publisher": "doctorofcredit.com", "title": "New Bank of America ‘2/3/4 Rule’ for Credit Card Approvals [Confirmed] - Doctor Of Credit", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; published/updated 2017-10-04", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.doctorofcredit.com/httpswww-doctorofcredit-combank-america-312-rule-credit-card-approvals-contribute-data-points/" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; published/updated 2017-10-04" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-016", "name": "Bank of America company bonus limit", "issuer": "Bank of America", "statement": "UNVERIFIED support: the exact cited company-bonus and conversion disclosure could not be retrieved in the follow-up review. Confirm the accepted offer; a different company offer does not substantiate this one.", "type": "bonus", "scope": "Business Advantage Unlimited Cash Rewards; the same company and account conversions.", "productIds": [], "evidenceType": "unverified", "label": "Unverified support", "sources": [ { "url": "https://secure.bankofamerica.com/apply-now-services/credit-cards/rest/get-disclosures/v1/usa/show-in-browser?cId=4078727&isMobile=true&locale=en_US&poCd=7B", "publisher": "secure.bankofamerica.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; disclosures accurate 10/2026; rates 2026-09-30", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://secure.bankofamerica.com/apply-now-services/credit-cards/rest/get-disclosures/v1/usa/show-in-browser?cId=4078727&isMobile=true&locale=en_US&poCd=7B" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; disclosures accurate 10/2026; rates 2026-09-30" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-017", "name": "Bank of America 3/12 and 7/12", "issuer": "Bank of America", "statement": "Applicant reports describe different recent-account screens depending on a Bank of America deposit relationship. These are not firm approval dates.", "type": "advisory", "scope": "Recent accounts across issuers and the applicant’s deposit relationship.", "productIds": [], "evidenceType": "observed", "label": "Applicant reports", "sources": [ { "url": "https://www.doctorofcredit.com/report-bank-of-america-7-12-rule-3-12-rule-for-new-cards/", "publisher": "doctorofcredit.com", "title": "Report: Bank of America ‘7/12 Rule’ & ‘3/12 Rule’ for New Cards - Doctor Of Credit", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; published 2019-09-24", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.doctorofcredit.com/report-bank-of-america-7-12-rule-3-12-rule-for-new-cards/" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; published 2019-09-24" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-018", "name": "Bank of America recent product ownership", "issuer": "Bank of America", "statement": "Some offers restrict applicants who held the same product within 24 months. A conversion does not earn a new-account bonus; not every product has the same clause.", "type": "application / bonus", "scope": "Products whose terms contain a 24-month possession clause; conversions are separate. Named products: Premium Rewards; Unlimited Cash Rewards; Atmos Rewards Ascent Visa Signature Alaska Airlines; Customized Cash Rewards; Travel Rewards.", "productIds": [ "bofa-premium-rewards", "bofa-unlimited-cash", "bofa-alaska-airlines-visa", "bofa-customized-cash-rewards", "bofa-travel-rewards" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://secure.bankofamerica.com/apply-now-services/credit-cards/rest/get-disclosures/v1/usa/show-in-browser?cId=4079331&isMobile=true&locale=en_US&poCd=U4", "publisher": "secure.bankofamerica.com", "title": "Product Disclosure", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; disclosure index as of 2026-09-30", "checkedAt": "2026-10-06" }, { "url": "https://secure.bankofamerica.com/apply-now-services/credit-cards/rest/get-disclosures/v1/usa/show-in-browser?cId=4079158&isMobile=true&locale=en_US&poCd=4V", "publisher": "secure.bankofamerica.com", "title": "Product Disclosure", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; disclosure index as of 2026-09-30", "checkedAt": "2026-10-06" }, { "url": "https://secure.bankofamerica.com/apply-now-services/credit-cards/rest/get-disclosures/v1/usa/show-in-browser?cId=4079485&isMobile=true&locale=en_US&poCd=UN", "publisher": "secure.bankofamerica.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; rates dated 2026-09-30; current Premium Rewards disclosure", "checkedAt": "2026-10-06" }, { "url": "https://secure.bankofamerica.com/apply-now-services/credit-cards/rest/get-disclosures/v1/usa/show-in-browser?cId=4082058&isMobile=true&locale=en_US&poCd=6E", "publisher": "secure.bankofamerica.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; rates dated 2026-09-30; current Unlimited Cash Rewards disclosure", "checkedAt": "2026-10-06" }, { "url": "https://secure.bankofamerica.com/apply-now-services/credit-cards/rest/get-disclosures/v1/usa/show-in-browser?cId=4082302&isMobile=true&locale=en_US&poCd=YB", "publisher": "secure.bankofamerica.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; rates dated 2026-09-30; current Atmos Ascent disclosure", "checkedAt": "2026-10-06" }, { "url": "https://secure.bankofamerica.com/apply-now-services/credit-cards/rest/get-disclosures/v1/usa/show-in-browser?cId=4079322&isMobile=true&locale=en_US&poCd=R9", "publisher": "secure.bankofamerica.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; rates dated 2026-09-30; Elite disclosure lacks the 24-month clause", "checkedAt": "2026-10-06" }, { "url": "https://secure.bankofamerica.com/apply-now-services/credit-cards/rest/get-disclosures/v1/usa/show-in-browser?cId=4080616&isMobile=true&locale=en_US&poCd=EK", "publisher": "secure.bankofamerica.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; rates dated 2026-09-30; Summit disclosure lacks the 24-month clause", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://secure.bankofamerica.com/apply-now-services/credit-cards/rest/get-disclosures/v1/usa/show-in-browser?cId=4079331&isMobile=true&locale=en_US&poCd=U4", "https://secure.bankofamerica.com/apply-now-services/credit-cards/rest/get-disclosures/v1/usa/show-in-browser?cId=4079158&isMobile=true&locale=en_US&poCd=4V", "https://secure.bankofamerica.com/apply-now-services/credit-cards/rest/get-disclosures/v1/usa/show-in-browser?cId=4079485&isMobile=true&locale=en_US&poCd=UN", "https://secure.bankofamerica.com/apply-now-services/credit-cards/rest/get-disclosures/v1/usa/show-in-browser?cId=4082058&isMobile=true&locale=en_US&poCd=6E", "https://secure.bankofamerica.com/apply-now-services/credit-cards/rest/get-disclosures/v1/usa/show-in-browser?cId=4082302&isMobile=true&locale=en_US&poCd=YB", "https://secure.bankofamerica.com/apply-now-services/credit-cards/rest/get-disclosures/v1/usa/show-in-browser?cId=4079322&isMobile=true&locale=en_US&poCd=R9", "https://secure.bankofamerica.com/apply-now-services/credit-cards/rest/get-disclosures/v1/usa/show-in-browser?cId=4080616&isMobile=true&locale=en_US&poCd=EK" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; disclosure index as of 2026-09-30", "Accessed 2026-10-06 UTC; disclosure index as of 2026-09-30", "Accessed 2026-10-06 UTC; rates dated 2026-09-30; current Premium Rewards disclosure", "Accessed 2026-10-06 UTC; rates dated 2026-09-30; current Unlimited Cash Rewards disclosure", "Accessed 2026-10-06 UTC; rates dated 2026-09-30; current Atmos Ascent disclosure", "Accessed 2026-10-06 UTC; rates dated 2026-09-30; Elite disclosure lacks the 24-month clause", "Accessed 2026-10-06 UTC; rates dated 2026-09-30; Summit disclosure lacks the 24-month clause" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-019", "name": "Barclays fee-payment bonus conditions", "issuer": "Barclays", "statement": "Qualifying purchases and payment of the annual fee within the stated deadline can both be required for a bonus. Check the exact payment condition; terms apply.", "type": "bonus", "scope": "Named JetBlue, Hawaiian Business and Wyndham offers.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://cards.barclaycardus.com/banking/cards/jetblue-plus-card/", "publisher": "cards.barclaycardus.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live terms", "checkedAt": "2026-10-06" }, { "url": "https://cards.barclaycardus.com/banking/cards/jetblue-business-card/", "publisher": "cards.barclaycardus.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live terms", "checkedAt": "2026-10-06" }, { "url": "https://www.boh.com/business/credit-card", "publisher": "boh.com", "title": "Hawaiian Airlines® World Elite Business Mastercard® - Bank of Hawaii", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live terms", "checkedAt": "2026-10-06" }, { "url": "https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48411", "publisher": "barclaycardus.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; Plus rates as of 2026-09-30", "checkedAt": "2026-10-06" }, { "url": "https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48413", "publisher": "barclaycardus.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; base Earner rates as of 2026-09-30", "checkedAt": "2026-10-06" }, { "url": "https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48371", "publisher": "barclaycardus.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; Business rates as of 2026-09-30", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://cards.barclaycardus.com/banking/cards/jetblue-plus-card/", "https://cards.barclaycardus.com/banking/cards/jetblue-business-card/", "https://www.boh.com/business/credit-card", "https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48411", "https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48413", "https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48371" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; undated live terms", "Accessed 2026-10-06 UTC; undated live terms", "Accessed 2026-10-06 UTC; undated live terms", "Accessed 2026-10-06 UTC; Plus rates as of 2026-09-30", "Accessed 2026-10-06 UTC; base Earner rates as of 2026-09-30", "Accessed 2026-10-06 UTC; Business rates as of 2026-09-30" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-020", "name": "Barclays prior-card welcome offers", "issuer": "Barclays", "statement": "Earlier card ownership can restrict a welcome offer. A fixed waiting period alone does not establish repeat-bonus eligibility.", "type": "bonus", "scope": "The named card or program, including first-time-holder Wyndham offers.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://cards.barclaycardus.com/banking/cards/jetblue-plus-card/", "publisher": "cards.barclaycardus.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live terms", "checkedAt": "2026-10-06" }, { "url": "https://www.boh.com/personal/credit-card", "publisher": "boh.com", "title": "Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Bank of Hawaii", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed2026-10-06 UTC; undated live page; offer footnotes1-2 and Barclays issuer disclosure", "checkedAt": "2026-10-06" }, { "url": "https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48411", "publisher": "barclaycardus.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; Plus rates as of 2026-09-30", "checkedAt": "2026-10-06" }, { "url": "https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48413", "publisher": "barclaycardus.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; base Earner rates as of 2026-09-30", "checkedAt": "2026-10-06" }, { "url": "https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48371", "publisher": "barclaycardus.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; Business rates as of 2026-09-30", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://cards.barclaycardus.com/banking/cards/jetblue-plus-card/", "https://www.boh.com/personal/credit-card", "https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48411", "https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48413", "https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48371" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; undated live terms", "Accessed2026-10-06 UTC; undated live page; offer footnotes1-2 and Barclays issuer disclosure", "Accessed 2026-10-06 UTC; Plus rates as of 2026-09-30", "Accessed 2026-10-06 UTC; base Earner rates as of 2026-09-30", "Accessed 2026-10-06 UTC; Business rates as of 2026-09-30" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-021", "name": "Barclays 6/24 reports", "issuer": "Barclays", "statement": "Applicants report sensitivity to six or more cards in 24 months, with exceptions. This evidence does not establish a universal waiting period.", "type": "advisory", "scope": "Recently opened card accounts across issuers.", "productIds": [], "evidenceType": "observed", "label": "Applicant reports", "sources": [ { "url": "https://www.doctorofcredit.com/no-barclaycard-hasnt-introduced-new-24-month-rule/", "publisher": "doctorofcredit.com", "title": "No, Barclaycard Hasn’t Introduced A New 24 Month Rule - Doctor Of Credit", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; published 2017-08-12", "checkedAt": "2026-10-06" }, { "url": "https://www.reddit.com/r/CreditCards/comments/1u0gbzq/barclays_624_not_still_a_rule/", "publisher": "reddit.com", "title": "Barclays 6/24 not still a rule? : r/CreditCards", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; 2026 applicant reports; live search", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.doctorofcredit.com/no-barclaycard-hasnt-introduced-new-24-month-rule/", "https://www.reddit.com/r/CreditCards/comments/1u0gbzq/barclays_624_not_still_a_rule/" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; published 2017-08-12", "Accessed 2026-10-06 UTC; 2026 applicant reports; live search" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-022", "name": "Wyndham hotel-spending bonus tier", "issuer": "Barclays", "statement": "A separate Wyndham bonus tier requires eligible Hotels by Wyndham purchases within its own deadline. Ordinary purchases cannot replace that category requirement. Terms apply.", "type": "bonus", "scope": "Base, Plus and Business offers with a hotel-specific second tier.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.wyndhamrewardscreditcard.com/", "publisher": "wyndhamrewardscreditcard.com", "title": "Wyndham Rewards Earner Card", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live page", "checkedAt": "2026-10-06" }, { "url": "https://www.wyndhamrewardscreditcard.com/earner-plus-card/", "publisher": "wyndhamrewardscreditcard.com", "title": "Wyndham Rewards Earner Plus Card", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live page", "checkedAt": "2026-10-06" }, { "url": "https://www.wyndhamrewardscreditcard.com/earner-business-card/", "publisher": "wyndhamrewardscreditcard.com", "title": "Wyndham Rewards Earner Business Card", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live page", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.wyndhamrewardscreditcard.com/", "https://www.wyndhamrewardscreditcard.com/earner-plus-card/", "https://www.wyndhamrewardscreditcard.com/earner-business-card/" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; undated live page", "Accessed 2026-10-06 UTC; undated live page", "Accessed 2026-10-06 UTC; undated live page" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-023", "name": "Capital One business reporting", "issuer": "Capital One", "statement": "Capital One business products have different personal-reporting treatment. Confirm the actual product version and credit report before including it in Chase 5/24.", "type": "application", "scope": "Business accounts, including older Spark Miles and newer Venture Business versions.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.capitalone.com/learn-grow/business-resources/do-capital-one-business-cards-report-to-personal-credit/", "publisher": "capitalone.com", "title": "Do Capital One Business Cards Report to Personal Credit?", "titleCheckedAt": "2026-10-07", "dateNote": "published 2026-09-03; accessed 2026-10-06 UTC; Published 2026-09-03; routine reporting for Venture Business rechecked 2026-10-07 UTC.", "checkedAt": "2026-10-07" }, { "url": "https://www.doctorofcredit.com/which-business-credit-cards-report/", "publisher": "doctorofcredit.com", "title": "All You Need to Know about Credit Reporting on Business Cards - Doctor Of Credit", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved UTC; indexed crawl 2 days earlier; tracker publication/update date not shown", "checkedAt": "2026-10-06" }, { "url": "https://www.doctorofcredit.com/capital-one-venture-business-card-will-not-report-to-personal-credit-bureaus/", "publisher": "doctorofcredit.com", "title": "Capital One Venture Business Card Will Not Report To Personal Credit Bureaus - Doctor Of Credit", "titleCheckedAt": "2026-10-07", "dateNote": "2026-04-15 published; 2026-10-06 retrieved UTC", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.capitalone.com/learn-grow/business-resources/do-capital-one-business-cards-report-to-personal-credit/", "https://www.doctorofcredit.com/which-business-credit-cards-report/", "https://www.doctorofcredit.com/capital-one-venture-business-card-will-not-report-to-personal-credit-bureaus/" ], "evidenceDates": [ "published 2026-09-03; accessed 2026-10-06 UTC; Published 2026-09-03; routine reporting for Venture Business rechecked 2026-10-07 UTC.", "2026-10-06 retrieved UTC; indexed crawl 2 days earlier; tracker publication/update date not shown", "2026-04-15 published; 2026-10-06 retrieved UTC" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/chase-5-24-calculator" }, { "id": "RULE-024", "name": "Capital One business welcome offers", "issuer": "Capital One", "statement": "Capital One business offers may exclude current or previous business cardholders. Confirm the selected offer before counting a bonus.", "type": "bonus", "scope": "Current or earlier Capital One business-card ownership.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.capitalone.com/small-business/credit-cards/venture-x-business/", "publisher": "capitalone.com", "title": "Venture X Business Card - Earn 2X Travel Miles | Capital One", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved UTC; undated live offer", "checkedAt": "2026-10-06" }, { "url": "https://www.capitalone.com/small-business/credit-cards/spark-cash-plus/", "publisher": "capitalone.com", "title": "Spark Cash Plus | 2% Cash Back Business Card | Capital One", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved UTC; undated live offer", "checkedAt": "2026-10-06" }, { "url": "https://www.capitalone.com/small-business/credit-cards/travel-and-miles/", "publisher": "capitalone.com", "title": "Travel Rewards Business Credit Cards | Capital One", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved UTC; undated live offer", "checkedAt": "2026-10-06" }, { "url": "https://www.capitalone.com/small-business/credit-cards/cash-back/", "publisher": "capitalone.com", "title": "Compare Cash Back Business Credit Cards From Capital One", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved UTC; undated live offer", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.capitalone.com/small-business/credit-cards/venture-x-business/", "https://www.capitalone.com/small-business/credit-cards/spark-cash-plus/", "https://www.capitalone.com/small-business/credit-cards/travel-and-miles/", "https://www.capitalone.com/small-business/credit-cards/cash-back/" ], "evidenceDates": [ "2026-10-06 retrieved UTC; undated live offer", "2026-10-06 retrieved UTC; undated live offer", "2026-10-06 retrieved UTC; undated live offer", "2026-10-06 retrieved UTC; undated live offer" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-025", "name": "Capital One business charge holdings", "issuer": "Capital One", "statement": "Applicant reports indicate that holding one of these business charge cards may affect an application for the other.", "type": "application", "scope": "Venture X Business and Spark Cash Plus.", "productIds": [], "evidenceType": "observed", "label": "Applicant reports", "sources": [ { "url": "https://frequentmiler.com/complete-guide-to-credit-card-application-rules-by-bank/", "publisher": "frequentmiler.com", "title": "Complete Guide to Credit Card Application Rules by Bank", "titleCheckedAt": "2026-10-07", "dateNote": "2026-02-24 publication label; 2026-10-06 live retrieved UTC", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://frequentmiler.com/complete-guide-to-credit-card-application-rules-by-bank/" ], "evidenceDates": [ "2026-02-24 publication label; 2026-10-06 live retrieved UTC" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-026", "name": "Venture family 48-month bonus history", "issuer": "Capital One", "statement": "The Venture family’s 48-month bonus exclusions are directional. A higher-tier bonus can restrict a later lower-tier offer; consult the specific offer.", "type": "bonus", "scope": "Venture, Venture X and VentureOne; the prior bonuses named by each offer. Named products: Venture X; Venture Rewards; VentureOne Rewards.", "productIds": [ "capital-one-venture-x", "capital-one-venture", "capital-one-venture-one" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.capitalone.com/credit-cards/", "publisher": "capitalone.com", "title": "Capital One Credit Cards", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved UTC; undated live offer; Undated offer; Venture and Venture X directional 48-month bonus terms, footnotes 1 and 4, rechecked 2026-10-07 UTC.", "checkedAt": "2026-10-07" }, { "url": "https://www.capitalone.com/credit-cards/venture/", "publisher": "capitalone.com", "title": "Venture Rewards Travel Card — Apply Today | Capital One", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved UTC; undated live offer", "checkedAt": "2026-10-06" }, { "url": "https://www.capitalone.com/credit-cards/ventureone/", "publisher": "capitalone.com", "title": "VentureOne - Miles Rewards with No Annual Fee | Capital One", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved UTC; undated live offer", "checkedAt": "2026-10-06" }, { "url": "https://www.doctorofcredit.com/capital-one-adds-terms-combining-venture-venture-x-cards-signup-bonus-48-month-eligibility/", "publisher": "doctorofcredit.com", "title": "Capital One Venture Family Rule (48 Months) - Doctor Of Credit", "titleCheckedAt": "2026-10-07", "dateNote": "2025-10-29 issuer clarification published; 2026-10-06 retrieved UTC", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.capitalone.com/credit-cards/", "https://www.capitalone.com/credit-cards/venture/", "https://www.capitalone.com/credit-cards/ventureone/", "https://www.doctorofcredit.com/capital-one-adds-terms-combining-venture-venture-x-cards-signup-bonus-48-month-eligibility/" ], "evidenceDates": [ "2026-10-06 retrieved UTC; undated live offer; Undated offer; Venture and Venture X directional 48-month bonus terms, footnotes 1 and 4, rechecked 2026-10-07 UTC.", "2026-10-06 retrieved UTC; undated live offer", "2026-10-06 retrieved UTC; undated live offer", "2025-10-29 issuer clarification published; 2026-10-06 retrieved UTC" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-027", "name": "Savor and Quicksilver bonus history", "issuer": "Capital One", "statement": "Current offers exclude certain same-product bonuses earned in the preceding 48 months. A renamed or converted card needs an offer-specific review.", "type": "bonus", "scope": "The same product’s new-cardmember bonus, including renamed or converted accounts. Named products: Savor Cash Rewards; SavorOne Cash Rewards; Quicksilver Cash Rewards.", "productIds": [ "capital-one-savor", "capital-one-savor-one", "capital-one-quicksilver" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.capitalone.com/credit-cards/", "publisher": "capitalone.com", "title": "Capital One Credit Cards", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved UTC; undated live offer", "checkedAt": "2026-10-06" }, { "url": "https://www.capitalone.com/credit-cards/cash-back/savor/", "publisher": "capitalone.com", "title": "Savor Dining & Entertainment Credit Card | Capital One", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved UTC; undated live offer", "checkedAt": "2026-10-06" }, { "url": "https://www.capitalone.com/credit-cards/quicksilver/", "publisher": "capitalone.com", "title": "Quicksilver Cash Back Rewards Card | Capital One", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved UTC; undated live offer", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.capitalone.com/credit-cards/", "https://www.capitalone.com/credit-cards/cash-back/savor/", "https://www.capitalone.com/credit-cards/quicksilver/" ], "evidenceDates": [ "2026-10-06 retrieved UTC; undated live offer", "2026-10-06 retrieved UTC; undated live offer", "2026-10-06 retrieved UTC; undated live offer" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-028", "name": "Capital One secured funding", "issuer": "Capital One", "statement": "The assigned deposit must be funded within 35 days of approval to open the account. The issuer sets the required deposit; terms apply.", "type": "application", "scope": "Approval and deposit funding for Secured Platinum.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.capitalone.com/credit-cards/secured-platinum/", "publisher": "capitalone.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live page", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.capitalone.com/credit-cards/secured-platinum/" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; undated live page" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-029", "name": "Chase 2/30", "issuer": "Chase", "statement": "Applicants report roughly two Chase cards in 30 days, usually no more than one business card. Additional applications may be declined.", "type": "application", "scope": "Recent Chase applications; personal and business pacing differ.", "productIds": [], "evidenceType": "observed", "label": "Applicant reports", "sources": [ { "url": "https://frequentmiler.com/how-to-apply-for-chase-ink-and-sapphire-business-cards/", "publisher": "frequentmiler.com", "title": "How to apply for Chase Ink® & Sapphire® Business cards", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; published 2026-06-19", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://frequentmiler.com/how-to-apply-for-chase-ink-and-sapphire-business-cards/" ], "evidenceDates": [ "2026-10-06 retrieved; published 2026-06-19" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-030", "name": "Chase checks for selected cards", "issuer": "Chase", "statement": "A selected Chase card receives the same account-count and timing checks as other candidates. Selecting it does not reserve an approval.", "type": "planning", "scope": "A Chase card added or pinned to a plan.", "productIds": [], "evidenceType": "planning", "label": "ApplyOrWait planning default", "sources": [ { "url": "https://frequentmiler.com/best-business-card-offers-that-dont-add-to-5-24/", "publisher": "frequentmiler.com", "title": "Best business card offers that don't add to 5/24", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; continuously maintained page", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://frequentmiler.com/best-business-card-offers-that-dont-add-to-5-24/" ], "evidenceDates": [ "2026-10-06 retrieved; continuously maintained page" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-031", "name": "Aeroplan ownership and bonus history", "issuer": "Chase", "statement": "The cited Aeroplan offer excludes current holders of the named card or previous versions and welcome bonuses received within 24 months.", "type": "application / bonus", "scope": "Current Aeroplan accounts, prior versions and Aeroplan welcome bonuses. Named products: Aeroplan.", "productIds": [ "chase-aeroplan" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://creditcards.chase.com/travel-credit-cards/aircanada/aeroplan", "publisher": "creditcards.chase.com", "title": "Air Canada Aeroplan® Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://creditcards.chase.com/travel-credit-cards/aircanada/aeroplan" ], "evidenceDates": [ "2026-10-06 retrieved; publication date not stated" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-032", "name": "Using the right bonus date", "issuer": "Chase", "statement": "A waiting period uses the event named in the offer terms. An opening date cannot replace a required bonus-receipt or upgrade date.", "type": "planning", "scope": "Bonus lookbacks and any upgrade date named in the offer.", "productIds": [], "evidenceType": "planning", "label": "ApplyOrWait planning default", "sources": [ { "url": "https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless", "publisher": "creditcards.chase.com", "title": "Marriott Bonvoy Boundless: Travel Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless" ], "evidenceDates": [ "2026-10-06 retrieved; publication date not stated" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-033", "name": "British Airways bonus history", "issuer": "Chase", "statement": "The cited offer excludes current holders and welcome bonuses received on this card within 24 months.", "type": "application / bonus", "scope": "Current British Airways card ownership and same-card welcome bonuses. Named products: British Airways Visa Signature.", "productIds": [ "chase-british-airways" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://creditcards.chase.com/travel-credit-cards/avios/british-airways", "publisher": "creditcards.chase.com", "title": "British Airways Credit Card | Travel | Rewards | Chase", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://creditcards.chase.com/travel-credit-cards/avios/british-airways" ], "evidenceDates": [ "2026-10-06 retrieved; publication date not stated" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-034", "name": "Freedom welcome-bonus history", "issuer": "Chase", "statement": "The cited Freedom offer excludes current holders of the named card and its welcome bonuses received within 24 months. Bonus history is a separate check.", "type": "application / bonus", "scope": "The selected Freedom product’s ownership and bonus receipts. Named products: Freedom Flex; Freedom Unlimited.", "productIds": [ "chase-freedom-flex", "chase-freedom-unlimited" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://creditcards.chase.com/cash-back-credit-cards/freedom/flex?CELL=62XP", "publisher": "creditcards.chase.com", "title": "Chase Freedom Flex Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" }, { "url": "https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited", "publisher": "creditcards.chase.com", "title": "Chase Freedom Unlimited Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://creditcards.chase.com/cash-back-credit-cards/freedom/flex?CELL=62XP", "https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited" ], "evidenceDates": [ "2026-10-06 retrieved; publication date not stated", "2026-10-06 retrieved; publication date not stated" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-035", "name": "IHG Business employee-card tier", "issuer": "Chase", "statement": "The extra tier requires an employee card within three months and retention through bonus fulfillment. Purchase spending alone does not satisfy it; terms apply.", "type": "bonus", "scope": "The additional employee-card bonus tier.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://creditcards.chase.com/business-credit-cards/IHG/business", "publisher": "creditcards.chase.com", "title": "IHG One Rewards Business Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live terms", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://creditcards.chase.com/business-credit-cards/IHG/business" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; undated live terms" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-036", "name": "Personal IHG welcome offers", "issuer": "Chase", "statement": "The cited personal offer excludes current personal IHG cardholders and personal IHG welcome bonuses received within 24 months.", "type": "application / bonus", "scope": "Personal IHG cards and personal IHG welcome bonuses; business assessed separately. Named products: IHG One Rewards Premier; IHG One Rewards Credit Card.", "productIds": [ "chase-ihg-premier", "chase-ihg-traveler", "chase-ihg-select", "chase-ihg-legacy" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier?iCELL=61FY", "publisher": "creditcards.chase.com", "title": "IHG One Rewards Premier Credit Card | Chase", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" }, { "url": "https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/traveler", "publisher": "creditcards.chase.com", "title": "IHG One Rewards Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; redirects to /one-rewards; publication date not stated", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/premier?iCELL=61FY", "https://creditcards.chase.com/travel-credit-cards/ihg-rewards-club/traveler" ], "evidenceDates": [ "2026-10-06 retrieved; publication date not stated", "2026-10-06 retrieved; redirects to /one-rewards; publication date not stated" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-037", "name": "Ink no-fee welcome-offer history", "issuer": "Chase", "statement": "Chase may withhold the welcome offer because of earlier no-fee business-card ownership. Confirm the offer rather than assuming eligibility.", "type": "bonus", "scope": "Prior ownership of the named card or another no-fee Chase for Business card. Named products: Ink Business Cash; Ink Business Unlimited.", "productIds": [ "chase-ink-cash", "chase-ink-unlimited", "chase-ink-business-cash-legacy", "chase-ink-business-unlimited-legacy" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://creditcards.chase.com/business-credit-cards/ink/cash", "publisher": "creditcards.chase.com", "title": "Ink Business Cash Credit Card: Cash Back | Chase", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not displayed", "checkedAt": "2026-10-06" }, { "url": "https://creditcards.chase.com/business-credit-cards/ink/unlimited", "publisher": "creditcards.chase.com", "title": "Ink Business Unlimited Credit Card: Cash Back | Chase", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not displayed", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://creditcards.chase.com/business-credit-cards/ink/cash", "https://creditcards.chase.com/business-credit-cards/ink/unlimited" ], "evidenceDates": [ "2026-10-06 retrieved; publication date not displayed", "2026-10-06 retrieved; publication date not displayed" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-038", "name": "Confirming Chase business offers", "issuer": "Chase", "statement": "Prior ownership can make a business welcome offer unavailable. The planner requires an offer-specific check before counting that bonus.", "type": "planning", "scope": "Previous ownership of a Chase business product and other business eligibility factors.", "productIds": [], "evidenceType": "planning", "label": "ApplyOrWait planning default", "sources": [ { "url": "https://creditcards.chase.com/business-credit-cards/ink/business-preferred", "publisher": "creditcards.chase.com", "title": "Chase Ink Business Preferred Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" }, { "url": "https://creditcards.chase.com/business-credit-cards/sapphire/reserve?CELL=62XP", "publisher": "creditcards.chase.com", "title": "Sapphire Reserve for Business Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://creditcards.chase.com/business-credit-cards/ink/business-preferred", "https://creditcards.chase.com/business-credit-cards/sapphire/reserve?CELL=62XP" ], "evidenceDates": [ "2026-10-06 retrieved; publication date not stated", "2026-10-06 retrieved; publication date not stated" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-039", "name": "Chase business prior ownership", "issuer": "Chase", "statement": "Chase may withhold this business welcome offer from someone who held the same card before. Read the exact offer.", "type": "bonus", "scope": "Prior ownership of the specific business card. Named products: Ink Business Preferred; Ink Business Premier; Sapphire Reserve for Business.", "productIds": [ "chase-ink-preferred", "chase-ink-premier", "chase-sapphire-reserve-business" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://creditcards.chase.com/business-credit-cards/ink/business-preferred", "publisher": "creditcards.chase.com", "title": "Chase Ink Business Preferred Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not displayed", "checkedAt": "2026-10-06" }, { "url": "https://creditcards.chase.com/a1/business/Premier0626", "publisher": "creditcards.chase.com", "title": "Compare Business Credit Cards | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved via live search; publication date not displayed", "checkedAt": "2026-10-06" }, { "url": "https://creditcards.chase.com/business-credit-cards/sapphire/reserve?CELL=62XP", "publisher": "creditcards.chase.com", "title": "Sapphire Reserve for Business Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved via live search; publication date not displayed", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://creditcards.chase.com/business-credit-cards/ink/business-preferred", "https://creditcards.chase.com/a1/business/Premier0626", "https://creditcards.chase.com/business-credit-cards/sapphire/reserve?CELL=62XP" ], "evidenceDates": [ "2026-10-06 retrieved; publication date not displayed", "2026-10-06 retrieved via live search; publication date not displayed", "2026-10-06 retrieved via live search; publication date not displayed" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-040", "name": "Chase Marriott cross-issuer history", "issuer": "Chase", "statement": "Chase Marriott offers apply different 30-day, 90-day and 24-month tests to specified Amex Marriott history. The relevant event and card both matter.", "type": "bonus", "scope": "Named Amex Marriott accounts, approvals, welcome bonuses and upgrade bonuses. Named products: Marriott Bonvoy Bold; Marriott Bonvoy Business; Marriott Bonvoy Brilliant; Marriott Bonvoy Bevy; Marriott Bonvoy Boundless.", "productIds": [ "chase-marriott-bonvoy-bold", "amex-starwood", "amex-marriott-bonvoy-personal", "amex-spg-personal", "amex-marriott-bonvoy-business", "amex-marriott-bonvoy-brilliant", "amex-marriott-bonvoy-bevy", "chase-marriott-bonvoy-boundless" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold", "publisher": "creditcards.chase.com", "title": "Marriott Bonvoy Bold: Hotel and Travel Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" }, { "url": "https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless", "publisher": "creditcards.chase.com", "title": "Marriott Bonvoy Boundless: Travel Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold", "https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless" ], "evidenceDates": [ "2026-10-06 retrieved; publication date not stated", "2026-10-06 retrieved; publication date not stated" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-041", "name": "Bold and Boundless offer history", "issuer": "Chase", "statement": "Bold and Boundless offers have product-specific ownership and bonus conditions. Holding Marriott cards from both banks is not a universal exclusion.", "type": "application / bonus", "scope": "Named Chase Marriott cards currently held and recent welcome bonuses. Named products: Marriott Bonvoy Bold; Marriott Bonvoy Boundless.", "productIds": [ "chase-marriott-bonvoy-bold", "chase-marriott-bonvoy-boundless", "chase-marriott-premier", "chase-marriott-premier-plus" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold", "publisher": "creditcards.chase.com", "title": "Marriott Bonvoy Bold: Hotel and Travel Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" }, { "url": "https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless", "publisher": "creditcards.chase.com", "title": "Marriott Bonvoy Boundless: Travel Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" }, { "url": "https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bountiful", "publisher": "creditcards.chase.com", "title": "Marriott Bonvoy Bountiful Travel Credit Card | Chase", "titleCheckedAt": "2026-10-07", "dateNote": "undated current offer; accessed 2026-10-06 UTC", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold", "https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/boundless", "https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bountiful" ], "evidenceDates": [ "2026-10-06 retrieved; publication date not stated", "2026-10-06 retrieved; publication date not stated", "undated current offer; accessed 2026-10-06 UTC" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-042", "name": "Chase sole-proprietor 3/24 reports", "issuer": "Chase", "statement": "Recent reports describe a possible stricter 3/24 screen for sole proprietors. Reports conflict and Chase has not published a universal rule.", "type": "advisory", "scope": "Sole-proprietor Chase business applications.", "productIds": [], "evidenceType": "observed", "label": "Applicant reports", "sources": [ { "url": "https://www.doctorofcredit.com/has-chase-changed-the-5-24-rule-for-sole-props-3-24-for-sole-props/", "publisher": "doctorofcredit.com", "title": "Has Chase Changed The 5/24 Rule For Sole Props? (3/24 For Sole Props)", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved via live search; published 2026-09-17", "checkedAt": "2026-10-06" }, { "url": "https://frequentmiler.com/chase-might-have-a-new-3-24-for-business-cards-for-sole-proprietors-but-possibly-only-ink-cards/", "publisher": "frequentmiler.com", "title": "Chase might have a new 3/24 for business cards for sole proprietors (but possibly only Ink cards)", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; published 2026-09-23", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.doctorofcredit.com/has-chase-changed-the-5-24-rule-for-sole-props-3-24-for-sole-props/", "https://frequentmiler.com/chase-might-have-a-new-3-24-for-business-cards-for-sole-proprietors-but-possibly-only-ink-cards/" ], "evidenceDates": [ "2026-10-06 retrieved via live search; published 2026-09-17", "2026-10-06 retrieved; published 2026-09-23" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-043", "name": "Sapphire welcome-offer history", "issuer": "Chase", "statement": "Chase may withhold a Sapphire bonus because of earlier ownership or bonus history. No dependable fixed reset period is published.", "type": "bonus", "scope": "Prior ownership and bonuses on the particular Sapphire card. Named products: Sapphire Preferred; Sapphire Reserve.", "productIds": [ "chase-sapphire-preferred", "chase-sapphire-reserve" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred", "publisher": "creditcards.chase.com", "title": "Chase Sapphire Preferred Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not displayed", "checkedAt": "2026-10-06" }, { "url": "https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve", "publisher": "creditcards.chase.com", "title": "Chase Sapphire Reserve Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not displayed", "checkedAt": "2026-10-06" }, { "url": "https://www.doctorofcredit.com/what-does-chase-consider-a-lifetime-when-are-you-eligible-for-another-bonus/", "publisher": "doctorofcredit.com", "title": "What Does Chase Consider A Lifetime (When Are You Eligible For Another Bonus)?", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; published 2026-07-27", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred", "https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve", "https://www.doctorofcredit.com/what-does-chase-consider-a-lifetime-when-are-you-eligible-for-another-bonus/" ], "evidenceDates": [ "2026-10-06 retrieved; publication date not displayed", "2026-10-06 retrieved; publication date not displayed", "2026-10-06 retrieved; published 2026-07-27" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-044", "name": "Sapphire product-change history", "issuer": "Chase", "statement": "Having held the selected Sapphire product through a conversion can matter to its welcome offer, as can an earlier bonus.", "type": "bonus", "scope": "The specific Sapphire card, including ownership after a product change. Named products: Sapphire Preferred; Sapphire Reserve.", "productIds": [ "chase-sapphire-preferred", "chase-sapphire-reserve" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred", "publisher": "creditcards.chase.com", "title": "Chase Sapphire Preferred Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not displayed", "checkedAt": "2026-10-06" }, { "url": "https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve", "publisher": "creditcards.chase.com", "title": "Chase Sapphire Reserve Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not displayed", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred", "https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve" ], "evidenceDates": [ "2026-10-06 retrieved; publication date not displayed", "2026-10-06 retrieved; publication date not displayed" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-045", "name": "Southwest Performance Business offers", "issuer": "Chase", "statement": "The cited business offer excludes current holders and recent same-card bonus recipients. Personal Southwest bonus history has a separate scope.", "type": "application / bonus", "scope": "Current Performance Business ownership and its recent welcome bonus. Named products: Southwest Rapid Rewards Performance Business.", "productIds": [ "chase-southwest-performance-business" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://creditcards.chase.com/business-credit-cards/southwest/performance-business", "publisher": "creditcards.chase.com", "title": "Southwest Rapid Rewards Performance Business Credit Card | Chase", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://creditcards.chase.com/business-credit-cards/southwest/performance-business" ], "evidenceDates": [ "2026-10-06 retrieved; publication date not stated" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-046", "name": "Personal Southwest offers", "issuer": "Chase", "statement": "The cited offer excludes current personal Southwest cardholders and personal Southwest welcome bonuses within 24 months. Business offers are assessed separately.", "type": "application / bonus", "scope": "Personal Southwest cards and personal Southwest welcome bonuses. Named products: Southwest Rapid Rewards Plus; Southwest Rapid Rewards Premier; Southwest Rapid Rewards Priority.", "productIds": [ "chase-southwest-plus", "chase-southwest-premier", "chase-southwest-priority", "chase-southwest-legacy" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://creditcards.chase.com/travel-credit-cards/southwest/priority", "publisher": "creditcards.chase.com", "title": "Southwest Rapid Rewards Priority Credit Card | Chase", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" }, { "url": "https://creditcards.chase.com/travel-credit-cards/southwest/plus?iCELL=61FY", "publisher": "creditcards.chase.com", "title": "Southwest Rapid Rewards Plus Credit Card | Chase", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" }, { "url": "https://creditcards.chase.com/travel-credit-cards/southwest/premier", "publisher": "creditcards.chase.com", "title": "Southwest Rapid Rewards Premier Credit Card | Chase", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://creditcards.chase.com/travel-credit-cards/southwest/priority", "https://creditcards.chase.com/travel-credit-cards/southwest/plus?iCELL=61FY", "https://creditcards.chase.com/travel-credit-cards/southwest/premier" ], "evidenceDates": [ "2026-10-06 retrieved; publication date not stated", "2026-10-06 retrieved; publication date not stated", "2026-10-06 retrieved; publication date not stated" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-047", "name": "United Club welcome offers", "issuer": "Chase", "statement": "The cited new-card offer excludes current Club-card holders and Club-card welcome bonuses within 24 months. A product change is a separate option.", "type": "application / bonus", "scope": "Any United Club card currently held and Club-card welcome bonuses. Named products: United Club Card.", "productIds": [ "chase-united-club-infinite" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://creditcards.chase.com/travel-credit-cards/united/club-infinite", "publisher": "creditcards.chase.com", "title": "United Club Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://creditcards.chase.com/travel-credit-cards/united/club-infinite" ], "evidenceDates": [ "2026-10-06 retrieved; publication date not stated" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-048", "name": "United welcome-bonus history", "issuer": "Chase", "statement": "A recent same-product United welcome bonus may restrict the offer. United Business employee-card terms also require a product-specific 24-month check.", "type": "bonus", "scope": "The named United card and its recent welcome bonus; business tier terms may differ. Named products: United Explorer; United Quest; United Gateway.", "productIds": [ "chase-united-explorer", "chase-united-quest", "chase-united-gateway" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://creditcards.chase.com/travel-credit-cards/united/united-explorer", "publisher": "creditcards.chase.com", "title": "United Explorer Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" }, { "url": "https://creditcards.chase.com/travel-credit-cards/united/united-quest?list=53", "publisher": "creditcards.chase.com", "title": "United Quest Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" }, { "url": "https://creditcards.chase.com/travel-credit-cards/united/united-gateway?list=28", "publisher": "creditcards.chase.com", "title": "United Gateway Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" }, { "url": "https://creditcards.chase.com/business-credit-cards/united/united-business-card", "publisher": "creditcards.chase.com", "title": "United Business Credit Card: Airline Rewards | Chase", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://creditcards.chase.com/travel-credit-cards/united/united-explorer", "https://creditcards.chase.com/travel-credit-cards/united/united-quest?list=53", "https://creditcards.chase.com/travel-credit-cards/united/united-gateway?list=28", "https://creditcards.chase.com/business-credit-cards/united/united-business-card" ], "evidenceDates": [ "2026-10-06 retrieved; publication date not stated", "2026-10-06 retrieved; publication date not stated", "2026-10-06 retrieved; publication date not stated", "2026-10-06 retrieved; publication date not stated" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-049", "name": "Hyatt welcome-offer history", "issuer": "Chase", "statement": "The cited offer requires no current holding of the named Hyatt card and no recent same-card welcome bonus within 24 months. Personal and business are separate.", "type": "application / bonus", "scope": "The selected personal or business Hyatt card and its own bonus history. Named products: World of Hyatt; World of Hyatt Business.", "productIds": [ "chase-world-of-hyatt", "chase-hyatt-business" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://creditcards.chase.com/travel-credit-cards/world-of-hyatt-credit-card?CELL=6257", "publisher": "creditcards.chase.com", "title": "World of Hyatt Credit Card: Hotel Rewards | Chase", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" }, { "url": "https://creditcards.chase.com/business-credit-cards/world-of-hyatt/hyatt-business-card", "publisher": "creditcards.chase.com", "title": "World of Hyatt Business Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://creditcards.chase.com/travel-credit-cards/world-of-hyatt-credit-card?CELL=6257", "https://creditcards.chase.com/business-credit-cards/world-of-hyatt/hyatt-business-card" ], "evidenceDates": [ "2026-10-06 retrieved; publication date not stated", "2026-10-06 retrieved; publication date not stated" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-050", "name": "Companion Pass posting year", "issuer": "Chase / Southwest", "statement": "Companion Pass qualification depends on qualifying points posting in the same year. Application dates alone cannot establish qualification.", "type": "bonus", "scope": "Eligible points posted to the same Rapid Rewards account in one calendar year.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.southwest.com/rapid-rewards/eoy-tier-communication/2026/", "publisher": "southwest.com", "title": "End of Year | Tier Qualifying Points | Southwest Airlines", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; applies to 2026; publication date not stated", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.southwest.com/rapid-rewards/eoy-tier-communication/2026/" ], "evidenceDates": [ "2026-10-06 retrieved; applies to 2026; publication date not stated" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-051", "name": "Chime account and funding conditions", "issuer": "Chime", "statement": "The card requires the relevant checking account and secured funds. The cited terms do not permit reopening a closed Chime Card.", "type": "application", "scope": "Chime Checking, secured funds and closed Chime Card accounts.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.chime.com/credit/chime-card/", "publisher": "chime.com", "title": "Chime Secured Credit Card | Chime Card", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live page", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.chime.com/credit/chime-card/" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; undated live page" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-052", "name": "Citi 8/65", "issuer": "Citi", "statement": "Applicants report eight-day spacing and no more than two Citi applications in 65 days. This is unpublished and exceptions occur.", "type": "application", "scope": "Citi applications, including denials and pending applications.", "productIds": [], "evidenceType": "observed", "label": "Applicant reports", "sources": [ { "url": "https://www.doctorofcredit.com/citis-application-rule-explained-865-rule/", "publisher": "doctorofcredit.com", "title": "[Update] Citi’s Application Rules Explained (8/65 rule) - Doctor Of Credit", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved UTC; article updated2023-11-03", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.doctorofcredit.com/citis-application-rule-explained-865-rule/" ], "evidenceDates": [ "2026-10-06 retrieved UTC; article updated2023-11-03" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-053", "name": "Citi product bonus lookback", "issuer": "Citi", "statement": "The cited offer excludes a bonus within 48 months, including a qualifying bonus on the converted account.", "type": "bonus", "scope": "Same-product bonuses and bonuses on an account converted into that product. Named products: AAdvantage Platinum Select; Citi / AAdvantage Executive World Legend Mastercard; Citi / AAdvantage Business World Elite Mastercard; AAdvantage MileUp.", "productIds": [ "citi-aadvantage-platinum", "citi-aadvantage-executive", "citi-aadvantage-business", "citi-aa-mileup" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.citi.com/credit-cards/citi-aadvantage-platinum-select-world-elite-mastercard", "publisher": "citi.com", "title": "Citi® / AAdvantage® Platinum Select® World Elite Mastercard® | Citi.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 (retrieved UTC; undated live offer)", "checkedAt": "2026-10-06" }, { "url": "https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard", "publisher": "citi.com", "title": "Citi® / AAdvantage® Executive World Legend Mastercard® | Citi.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 (retrieved UTC; undated live offer)", "checkedAt": "2026-10-06" }, { "url": "https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card", "publisher": "citi.com", "title": "Citi® / AAdvantage Business™ World Elite Mastercard® | Citi.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 (retrieved UTC; undated live offer)", "checkedAt": "2026-10-06" }, { "url": "https://www.citi.com/credit-cards/aadvantage-mile-up-credit-card", "publisher": "citi.com", "title": "American Airlines AAdvantage® MileUp℠ Card | Citi.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 (retrieved UTC; undated live offer)", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.citi.com/credit-cards/citi-aadvantage-platinum-select-world-elite-mastercard", "https://www.citi.com/credit-cards/citi-aadvantage-executive-world-legend-mastercard", "https://www.citi.com/credit-cards/citi-aadvantage-business-credit-card", "https://www.citi.com/credit-cards/aadvantage-mile-up-credit-card" ], "evidenceDates": [ "2026-10-06 (retrieved UTC; undated live offer)", "2026-10-06 (retrieved UTC; undated live offer)", "2026-10-06 (retrieved UTC; undated live offer)", "2026-10-06 (retrieved UTC; undated live offer)" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-054", "name": "Citi business application spacing", "issuer": "Citi", "statement": "Applicants report a 90-day interval between business applications. The planner uses 95 days as a cautious planning buffer, not an issuer requirement.", "type": "application", "scope": "Citi business applications; reported interval and planning buffer are distinct.", "productIds": [], "evidenceType": "observed", "label": "Applicant reports", "sources": [ { "url": "https://www.doctorofcredit.com/citis-application-rule-explained-865-rule/", "publisher": "doctorofcredit.com", "title": "[Update] Citi’s Application Rules Explained (8/65 rule) - Doctor Of Credit", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved UTC; article updated2023-11-03", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.doctorofcredit.com/citis-application-rule-explained-865-rule/" ], "evidenceDates": [ "2026-10-06 retrieved UTC; article updated2023-11-03" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-055", "name": "Double Cash bonus lookback", "issuer": "Citi", "statement": "The cited Double Cash offer applies a 48-month lookback to the named product and converted-account bonus history.", "type": "bonus", "scope": "Double Cash bonuses and qualifying converted-account bonuses. Named products: Double Cash.", "productIds": [ "citi-double-cash" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.citi.com/credit-cards/citi-double-cash-credit-card", "publisher": "citi.com", "title": "Citi Double Cash® Credit Card | Citi.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 (retrieved UTC; undated live offer)", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.citi.com/credit-cards/citi-double-cash-credit-card" ], "evidenceDates": [ "2026-10-06 (retrieved UTC; undated live offer)" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-056", "name": "Strata Elite prior ownership", "issuer": "Citi", "statement": "The cited offer excludes current and previous Strata Elite holders. Other account-opening and usage history can also matter.", "type": "bonus", "scope": "Current or earlier Strata Elite accounts. Named products: Strata Elite.", "productIds": [ "citi-strata-elite" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.citi.com/credit-cards/citi-strata-elite-credit-card", "publisher": "citi.com", "title": "Citi Strata Elite℠ - Travel Credit Card | Citi.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 (retrieved UTC; undated live offer)", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.citi.com/credit-cards/citi-strata-elite-credit-card" ], "evidenceDates": [ "2026-10-06 (retrieved UTC; undated live offer)" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-057", "name": "Premier and Strata Premier history", "issuer": "Citi", "statement": "The cited offer excludes current or previous holders of the named Premier products. Citi may also consider other account history.", "type": "bonus", "scope": "Current or earlier Citi Premier and Strata Premier accounts. Named products: Strata Premier.", "productIds": [ "citi-strata-premier" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.citi.com/credit-cards/citi-strata-premier-credit-card", "publisher": "citi.com", "title": "Citi Strata Premier® - Travel Credit Card | Citi.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 (retrieved UTC; undated live offer)", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.citi.com/credit-cards/citi-strata-premier-credit-card" ], "evidenceDates": [ "2026-10-06 (retrieved UTC; undated live offer)" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-058", "name": "Historical Discover account limit", "issuer": "Discover / Capital One", "statement": "The historical terms used here describe a two-account maximum including existing Discover accounts. Current offer terms must be confirmed separately.", "type": "application", "scope": "Legacy Discover terms; current applications remain unverified by this checker.", "productIds": [], "evidenceType": "secondary", "label": "Issuer terms · Secondary source", "sources": [ { "url": "https://www.discovercard.com/application/preapproval/ratesrewards?cmpgnId=J7W&prequalOfferKey=CB_NonStu_NP&riskLevel=75&srcCde=GHMJ", "publisher": "discovercard.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "2026-07-31 terms accuracy date; 2026-10-06 retrieved via public search index; crawled last month", "checkedAt": "2026-10-06" }, { "url": "https://www.doctorofcredit.com/how-many-discover-cards-can-you-have/", "publisher": "doctorofcredit.com", "title": "How Many Discover Cards Can You Have? - Doctor Of Credit", "titleCheckedAt": "2026-10-07", "dateNote": "2019-09-24 published; 2026-10-06 retrieved UTC; legacy tracker", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.discovercard.com/application/preapproval/ratesrewards?cmpgnId=J7W&prequalOfferKey=CB_NonStu_NP&riskLevel=75&srcCde=GHMJ", "https://www.doctorofcredit.com/how-many-discover-cards-can-you-have/" ], "evidenceDates": [ "2026-07-31 terms accuracy date; 2026-10-06 retrieved via public search index; crawled last month", "2019-09-24 published; 2026-10-06 retrieved UTC; legacy tracker" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-059", "name": "Historical Discover second account", "issuer": "Discover / Capital One", "statement": "The historical terms require the first account to be open more than 12 months before a second account. This does not establish current application eligibility.", "type": "application", "scope": "Legacy Discover first-account opening date; current applications require new terms.", "productIds": [], "evidenceType": "secondary", "label": "Issuer terms · Secondary source", "sources": [ { "url": "https://www.discovercard.com/application/preapproval/ratesrewards?cmpgnId=J7W&prequalOfferKey=CB_NonStu_NP&riskLevel=75&srcCde=GHMJ", "publisher": "discovercard.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "2026-07-31 terms accuracy date; 2026-10-06 retrieved via public search index; crawled last month", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.discovercard.com/application/preapproval/ratesrewards?cmpgnId=J7W&prequalOfferKey=CB_NonStu_NP&riskLevel=75&srcCde=GHMJ" ], "evidenceDates": [ "2026-07-31 terms accuracy date; 2026-10-06 retrieved via public search index; crawled last month" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-060", "name": "OpenSky applicant and account checks", "issuer": "OpenSky / Capital Bank", "statement": "OpenSky may decline an applicant based on existing Capital Bank accounts, adverse history or identity and income conditions. A deposit alone does not settle eligibility.", "type": "application", "scope": "Capital Bank holdings, prior relationship, identity and income.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.openskycc.com/", "publisher": "openskycc.com", "title": "OpenSky", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live page", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.openskycc.com/" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; undated live page" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-061", "name": "Secured-card eligibility", "issuer": "Secured-card issuers", "statement": "A secured card can require a deposit and still be declined under the issuer’s eligibility conditions. Terms apply.", "type": "application", "scope": "Secured-card deposits and issuer eligibility checks.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.capitalone.com/credit-cards/secured-platinum/", "publisher": "capitalone.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live page", "checkedAt": "2026-10-06" }, { "url": "https://www.openskycc.com/", "publisher": "openskycc.com", "title": "OpenSky", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live page", "checkedAt": "2026-10-06" }, { "url": "https://www.chime.com/credit/chime-card/", "publisher": "chime.com", "title": "Chime Secured Credit Card | Chime Card", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live page", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.capitalone.com/credit-cards/secured-platinum/", "https://www.openskycc.com/", "https://www.chime.com/credit/chime-card/" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; undated live page", "Accessed 2026-10-06 UTC; undated live page", "Accessed 2026-10-06 UTC; undated live page" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-062", "name": "U.S. Bank five-year bonus history", "issuer": "US Bank", "statement": "The cited product offer excludes a new-account bonus received on that product within five years. Check the actual offer.", "type": "bonus", "scope": "Products whose offer includes a five-year same-product bonus exclusion. Named products: Altitude Go Visa Signature; Altitude Connect Visa Signature.", "productIds": [ "usbank-altitude-go", "usbank-altitude-connect" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.usbank.com/credit-cards/altitude-go-visa-signature-credit-card.html", "publisher": "usbank.com", "title": "U.S. Bank Altitude® Go Visa Credit Card", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live terms", "checkedAt": "2026-10-06" }, { "url": "https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html", "publisher": "usbank.com", "title": "Premium Travel Credit Card | U.S. Bank Altitude® Connect Card", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live terms", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.usbank.com/credit-cards/altitude-go-visa-signature-credit-card.html", "https://www.usbank.com/credit-cards/altitude-connect-visa-signature-credit-card.html" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; undated live terms", "Accessed 2026-10-06 UTC; undated live terms" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-063", "name": "Business Leverage historical accounts", "issuer": "US Bank", "statement": "Secondary reporting says Business Leverage is closed to new applications. A direct issuer retirement statement has not been confirmed; existing accounts remain relevant to history.", "type": "availability", "scope": "U.S. Bank Business Leverage; historical accounts only.", "productIds": [], "evidenceType": "reporting", "label": "Secondary reporting", "sources": [ { "url": "https://www.usbank.com/business-banking/business-credit-cards/business-leverage-visa-signature-credit-card.html", "publisher": "usbank.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; live redirects to business catalog", "checkedAt": "2026-10-06" }, { "url": "https://www.usbank.com/leverage", "publisher": "usbank.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; live redirects to business catalog", "checkedAt": "2026-10-06" }, { "url": "https://www.usbank.com/business-banking/business-credit-cards.html", "publisher": "usbank.com", "title": "Business Credit Cards | U.S. Bank", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live page", "checkedAt": "2026-10-06" }, { "url": "https://frequentmiler.com/wow-a-new-5-office-supply-store-card-from-u-s-bank-hits-the-market/", "publisher": "frequentmiler.com", "title": "Wow: A new 5% office supply store card from U.S. Bank hits the market", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; published 2026-09-29", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.usbank.com/business-banking/business-credit-cards/business-leverage-visa-signature-credit-card.html", "https://www.usbank.com/leverage", "https://www.usbank.com/business-banking/business-credit-cards.html", "https://frequentmiler.com/wow-a-new-5-office-supply-store-card-from-u-s-bank-hits-the-market/" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; live redirects to business catalog", "Accessed 2026-10-06 UTC; live redirects to business catalog", "Accessed 2026-10-06 UTC; undated live page", "Accessed 2026-10-06 UTC; published 2026-09-29" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-064", "name": "Cash+ one-time bonus history", "issuer": "US Bank", "statement": "The cited Cash+ bonus excludes the named previous accounts and upgrades. A product change does not establish a new bonus.", "type": "bonus", "scope": "Current or previous Cash Rewards accounts and upgrades into Cash+. Named products: Cash+ Visa Signature.", "productIds": [ "usbank-cash-plus", "usbank-cash-rewards" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.usbank.com/credit-cards/cash-plus-visa-signature-credit-card.html", "publisher": "usbank.com", "title": "U.S. Bank Cash+ Visa Signature: Up to 5% Cash Back Rewards", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live terms", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.usbank.com/credit-cards/cash-plus-visa-signature-credit-card.html" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; undated live terms" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-065", "name": "U.S. Bank owner-card spending", "issuer": "US Bank", "statement": "Qualifying spending must occur on the owner’s card. Employee-card purchases do not satisfy this bonus condition; terms apply.", "type": "bonus", "scope": "The named business offer’s account-owner purchases within 180 days.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.usbank.com/business-banking/business-credit-cards/business-triple-cash-back-credit-card.html", "publisher": "usbank.com", "title": "Triple Cash Rewards Visa® Business Credit Card | U.S. Bank", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live terms", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.usbank.com/business-banking/business-credit-cards/business-triple-cash-back-credit-card.html" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; undated live terms" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-066", "name": "Choice card ownership and openings", "issuer": "Wells Fargo", "statement": "The cited terms may exclude applicants holding either Choice card or receiving the welcome offer after an opening within 15 months.", "type": "application / bonus", "scope": "Either Wells Fargo Choice card; account holdings and opening dates. Named products: Choice Privileges Mastercard.", "productIds": [ "wells-fargo-choice-privileges", "wells-fargo-choice-privileges-select" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://creditcards.wellsfargo.com/choice-hotel-privileges-mastercard/?sub_channel=WEB&vendor_code=WF", "publisher": "creditcards.wellsfargo.com", "title": "Earn Up to 5X Points | Wells Fargo Choice Privileges® Card", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live terms", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://creditcards.wellsfargo.com/choice-hotel-privileges-mastercard/?sub_channel=WEB&vendor_code=WF" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; undated live terms" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-067", "name": "Wells Fargo four-month condition", "issuer": "Wells Fargo", "statement": "Published wording says a consumer-card opening within four months may affect qualification for another Wells Fargo consumer card. This is a caution, not a definite approval date.", "type": "application", "scope": "New Wells Fargo consumer-card openings, rather than every bank’s cards.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.wellsfargo.com/credit-cards/documents/active-cash-terms/", "publisher": "wellsfargo.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live terms", "checkedAt": "2026-10-06" }, { "url": "https://www.wellsfargo.com/credit-cards/documents/autograph-visa-terms/", "publisher": "wellsfargo.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live terms", "checkedAt": "2026-10-06" }, { "url": "https://www.wellsfargo.com/credit-cards/documents/autograph-journey-visa-terms/", "publisher": "wellsfargo.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live terms", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.wellsfargo.com/credit-cards/documents/active-cash-terms/", "https://www.wellsfargo.com/credit-cards/documents/autograph-visa-terms/", "https://www.wellsfargo.com/credit-cards/documents/autograph-journey-visa-terms/" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; undated live terms", "Accessed 2026-10-06 UTC; undated live terms", "Accessed 2026-10-06 UTC; undated live terms" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-068", "name": "Wells Fargo introductory-offer history", "issuer": "Wells Fargo", "statement": "The cited introductory offer may be unavailable after a same-product opening within 48 months or while holding that product. Closing it does not remove the opening history.", "type": "introductory offer", "scope": "The same product currently held or opened within 48 months, including closed accounts. Named products: Active Cash Card; Autograph Visa; Autograph Journey Visa.", "productIds": [ "wells-fargo-active-cash", "wells-fargo-autograph", "wells-fargo-autograph-journey", "wells-fargo-reflect" ], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.wellsfargo.com/credit-cards/documents/active-cash-terms/", "publisher": "wellsfargo.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live terms", "checkedAt": "2026-10-06" }, { "url": "https://www.wellsfargo.com/credit-cards/documents/autograph-visa-terms/", "publisher": "wellsfargo.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live terms", "checkedAt": "2026-10-06" }, { "url": "https://www.wellsfargo.com/credit-cards/documents/autograph-journey-visa-terms/", "publisher": "wellsfargo.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live terms", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.wellsfargo.com/credit-cards/documents/active-cash-terms/", "https://www.wellsfargo.com/credit-cards/documents/autograph-visa-terms/", "https://www.wellsfargo.com/credit-cards/documents/autograph-journey-visa-terms/" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; undated live terms", "Accessed 2026-10-06 UTC; undated live terms", "Accessed 2026-10-06 UTC; undated live terms" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-069", "name": "Bureau inquiry estimates", "issuer": "All issuers", "statement": "Inquiry estimates use possible bureaus rather than treating three reports as three inquiries on one report. Actual issuer checks can vary.", "type": "planning", "scope": "Possible credit-report checks for a planned application.", "productIds": [], "evidenceType": "planning", "label": "ApplyOrWait planning default", "sources": [ { "url": "https://www.doctorofcredit.com/credit-bureaus/which-credit-bureau-does-each-card-issuer-pull/", "publisher": "doctorofcredit.com", "title": "Which Credit Bureau Does Each Card Issuer Pull? - Doctor Of Credit", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; maintained tracker; publication date not displayed", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.doctorofcredit.com/credit-bureaus/which-credit-bureau-does-each-card-issuer-pull/" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; maintained tracker; publication date not displayed" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-070", "name": "Credit-profile fit estimates", "issuer": "All issuers", "statement": "A fit estimate is a planning aid. It does not establish an issuer score cutoff; income, debts and other factors also matter.", "type": "planning", "scope": "Qualitative fit based on the entered profile.", "productIds": [], "evidenceType": "planning", "label": "ApplyOrWait planning default", "sources": [ { "url": "https://www.capitalone.com/credit-cards/secured-platinum/", "publisher": "capitalone.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live page", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.capitalone.com/credit-cards/secured-platinum/" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; undated live page" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-071", "name": "Age and residency requirements", "issuer": "All issuers", "statement": "Eligibility can depend on age and residence. Some offers exclude particular U.S. territories; read the selected terms.", "type": "application", "scope": "Offer-specific age, residency and territorial conditions.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/hilton-honors-credit-card/25330-10-0", "publisher": "americanexpress.com", "title": "Hilton Honors Card - Terms, Conditions & Disclosures", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; rates2026-10-04", "checkedAt": "2026-10-06" }, { "url": "https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48411", "publisher": "barclaycardus.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; rates2026-09-30", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/hilton-honors-credit-card/25330-10-0", "https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48411" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; rates2026-10-04", "Accessed 2026-10-06 UTC; rates2026-09-30" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-072", "name": "Fit and issuer decisions", "issuer": "All issuers", "statement": "Fit describes the information supplied to the planner. Approval and bonus eligibility remain subject to issuer review.", "type": "planning", "scope": "Planning estimates of fit and welcome-offer availability.", "productIds": [], "evidenceType": "planning", "label": "ApplyOrWait planning default", "sources": [ { "url": "https://www.capitalone.com/credit-cards/secured-platinum/", "publisher": "capitalone.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live page", "checkedAt": "2026-10-06" }, { "url": "https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred", "publisher": "creditcards.chase.com", "title": "Chase Sapphire Preferred Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live page", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.capitalone.com/credit-cards/secured-platinum/", "https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; undated live page", "Accessed 2026-10-06 UTC; undated live page" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-073", "name": "Eligible spending and deadlines", "issuer": "All issuers", "statement": "Only eligible purchases completed by the stated deadline count. Returns, fees and other excluded transactions may not qualify; terms apply.", "type": "bonus", "scope": "The accepted offer’s eligible purchases and exact deadline.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://creditcards.chase.com/business-credit-cards/IHG/business", "publisher": "creditcards.chase.com", "title": "IHG One Rewards Business Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live terms", "checkedAt": "2026-10-06" }, { "url": "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/hilton-honors-credit-card/25330-10-0", "publisher": "americanexpress.com", "title": "Hilton Honors Card - Terms, Conditions & Disclosures", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; rates2026-10-04; offerends2027-01-13", "checkedAt": "2026-10-06" }, { "url": "https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48411", "publisher": "barclaycardus.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; rates2026-09-30", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://creditcards.chase.com/business-credit-cards/IHG/business", "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/hilton-honors-credit-card/25330-10-0", "https://www.barclaycardus.com/applycontent/TnCs.jsp?tc48411" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; undated live terms", "Accessed 2026-10-06 UTC; rates2026-10-04; offerends2027-01-13", "Accessed 2026-10-06 UTC; rates2026-09-30" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-074", "name": "Amex charge-card timing", "issuer": "American Express", "statement": "The usual reported credit-card approval windows generally treat charge cards separately. Other application checks still matter.", "type": "application", "scope": "Green, Gold, Platinum and corresponding business charge products.", "productIds": [], "evidenceType": "observed", "label": "Applicant reports", "sources": [ { "url": "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/business-green-rewards-charge-card/42732-9-0?key=tncBody&rwdFlag=rwd", "publisher": "americanexpress.com", "title": "Business Green Rewards Card | Business Charge and Credit Card Application - Terms, Conditions & Disclosures", "titleCheckedAt": "2026-10-07", "dateNote": "2026-08-21 rates; accessed 2026-10-06", "checkedAt": "2026-10-06" }, { "url": "https://frequentmiler.com/amex-cards-charge-cards-vs-credit-cards/", "publisher": "frequentmiler.com", "title": "Which Amex Cards are Credit Cards? How many can you get?", "titleCheckedAt": "2026-10-07", "dateNote": "2025-12-26 updated; accessed 2026-10-06", "checkedAt": "2026-10-06" }, { "url": "https://frequentmiler.com/marriott-card-eligible/", "publisher": "frequentmiler.com", "title": "Are you eligible for a new Marriott card? (Brilliant changes reversed)", "titleCheckedAt": "2026-10-07", "dateNote": "2026-05-14 updated; accessed 2026-10-06", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/business-green-rewards-charge-card/42732-9-0?key=tncBody&rwdFlag=rwd", "https://frequentmiler.com/amex-cards-charge-cards-vs-credit-cards/", "https://frequentmiler.com/marriott-card-eligible/" ], "evidenceDates": [ "2026-08-21 rates; accessed 2026-10-06", "2025-12-26 updated; accessed 2026-10-06", "2026-05-14 updated; accessed 2026-10-06" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/amex-2-90-rule" }, { "id": "RULE-075", "name": "Amex charge-card holdings", "issuer": "American Express", "statement": "Applicants commonly report a ten-card total, with exceptions and some lower personal-card limits. This holding limit is separate from 2/90.", "type": "application", "scope": "Open personal and business charge or Pay Over Time cards.", "productIds": [], "evidenceType": "observed", "label": "Applicant reports", "sources": [ { "url": "https://www.doctorofcredit.com/report-new-american-express-rule-limits-10-charge-cards-per-person/", "publisher": "doctorofcredit.com", "title": "[Update] American Express Rule - 10 Charge Cards Per Person - Doctor Of Credit", "titleCheckedAt": "2026-10-07", "dateNote": "2026-04-10 updated; accessed 2026-10-06", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.doctorofcredit.com/report-new-american-express-rule-limits-10-charge-cards-per-person/" ], "evidenceDates": [ "2026-04-10 updated; accessed 2026-10-06" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/amex-2-90-rule" }, { "id": "RULE-076", "name": "Amex soft and hard inquiries", "issuer": "American Express", "statement": "Existing cardholders often report a soft inquiry, but another card can still cause a hard inquiry.", "type": "advisory", "scope": "Existing Amex cardholders accepting another card.", "productIds": [], "evidenceType": "observed", "label": "Applicant reports", "sources": [ { "url": "https://www.doctorofcredit.com/which-credit-card-issuers-will-approve-an-application-with-a-frozen-credit-report/", "publisher": "doctorofcredit.com", "title": "Which Credit Card Issuers Will Approve an Application with a Frozen Credit Report? - Doctor Of Credit", "titleCheckedAt": "2026-10-07", "dateNote": "publication date unavailable; accessed 2026-10-06", "checkedAt": "2026-10-06" }, { "url": "https://www.americanexpress.com/us/credit-cards/card/gold-card/", "publisher": "americanexpress.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "publication date unavailable; accessed 2026-10-06", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.doctorofcredit.com/which-credit-card-issuers-will-approve-an-application-with-a-frozen-credit-report/", "https://www.americanexpress.com/us/credit-cards/card/gold-card/" ], "evidenceDates": [ "publication date unavailable; accessed 2026-10-06", "publication date unavailable; accessed 2026-10-06" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-077", "name": "Amex first-year account retention", "issuer": "American Express", "statement": "Early closure or downgrade may cause bonus recovery. Review the accepted offer, including any first-year retention condition.", "type": "bonus", "scope": "Closing or downgrading after an Amex welcome bonus.", "productIds": [], "evidenceType": "observed", "label": "Applicant reports", "sources": [ { "url": "https://frequentmiler.com/bilt-adds-upgrade-downgrade-terms-and-conditions/", "publisher": "frequentmiler.com", "title": "Bilt adds upgrade/downgrade terms and conditions", "titleCheckedAt": "2026-10-07", "dateNote": "2026-09-21 published; accessed 2026-10-06", "checkedAt": "2026-10-06" }, { "url": "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/businessgold-card/42732-9-0?key=tncBody&oneXpVariant=elevatedOffer_variant&rwdFlag=rwd", "publisher": "americanexpress.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "2026-09-23 rates; accessed 2026-10-06", "checkedAt": "2026-10-06" }, { "url": "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/hilton-honors-credit-card/25330-10-0", "publisher": "americanexpress.com", "title": "Hilton Honors Card - Terms, Conditions & Disclosures", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-04 rates; accessed 2026-10-06; offer ends 2027-01-13", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://frequentmiler.com/bilt-adds-upgrade-downgrade-terms-and-conditions/", "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/businessgold-card/42732-9-0?key=tncBody&oneXpVariant=elevatedOffer_variant&rwdFlag=rwd", "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/hilton-honors-credit-card/25330-10-0" ], "evidenceDates": [ "2026-09-21 published; accessed 2026-10-06", "2026-09-23 rates; accessed 2026-10-06", "2026-10-04 rates; accessed 2026-10-06; offer ends 2027-01-13" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-078", "name": "Amex lifetime-language offers", "issuer": "American Express", "statement": "Earlier ownership may restrict the welcome offer. A targeted offer can have different terms; Amex determines eligibility.", "type": "bonus", "scope": "Prior same-card ownership and targeted offers with different language.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-business-american-express-card/42732-9-0?key=tncBody&rwdFlag=rwd", "publisher": "americanexpress.com", "title": "Marriott Bonvoy Business American Express Card | Business Credit Card Application - Terms, Conditions & Disclosures", "titleCheckedAt": "2026-10-07", "dateNote": "2026-09-24 rates; accessed 2026-10-06; offer ends 2026-11-04", "checkedAt": "2026-10-06" }, { "url": "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/hilton-honors-credit-card/25330-10-0", "publisher": "americanexpress.com", "title": "Hilton Honors Card - Terms, Conditions & Disclosures", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-04 rates; accessed 2026-10-06; offer ends 2027-01-13", "checkedAt": "2026-10-06" }, { "url": "https://www.doctorofcredit.com/ymmv-american-express-delta-offers-up-to-75000-miles-200-statement-credit-no-lifetime-language/", "publisher": "doctorofcredit.com", "title": "[Expired] [YMMV] American Express Delta Offers - Up To 90,000 Miles + $300 - No Lifetime Language - Doctor Of Credit", "titleCheckedAt": "2026-10-07", "dateNote": "2026-06-17 updated; accessed 2026-10-06", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-business-american-express-card/42732-9-0?key=tncBody&rwdFlag=rwd", "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/hilton-honors-credit-card/25330-10-0", "https://www.doctorofcredit.com/ymmv-american-express-delta-offers-up-to-75000-miles-200-statement-credit-no-lifetime-language/" ], "evidenceDates": [ "2026-09-24 rates; accessed 2026-10-06; offer ends 2026-11-04", "2026-10-04 rates; accessed 2026-10-06; offer ends 2027-01-13", "2026-06-17 updated; accessed 2026-10-06" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-079", "name": "Bank of America business-entity history", "issuer": "Bank of America", "statement": "UNVERIFIED support: the cited offer-specific business-entity disclosure could not be retrieved in the follow-up review. A 24-month condition cannot be treated as confirmed for this offer without its exact terms.", "type": "application", "scope": "The same business entity’s current or recently held business accounts.", "productIds": [], "evidenceType": "unverified", "label": "Unverified support", "sources": [ { "url": "https://business.bankofamerica.com/en/credit-cards/business-advantage-unlimited-cash-rewards", "publisher": "business.bankofamerica.com", "title": "Business Advantage Unlimited Cash Rewards Mastercard® Credit Card", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live page", "checkedAt": "2026-10-06" }, { "url": "https://secure.bankofamerica.com/apply-now-services/credit-cards/rest/get-disclosures/v1/usa/show-in-browser?cId=4078727&isMobile=true&locale=en_US&poCd=7B", "publisher": "secure.bankofamerica.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; disclosures accurate 10/2026; rates 2026-09-30", "checkedAt": "2026-10-06" }, { "url": "https://business.bankofamerica.com/en/credit-cards/atmos-rewards", "publisher": "business.bankofamerica.com", "title": "Atmos™ Alaska Airlines Business Credit Card - Bank of America", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated current product page; campaign4080500/CX", "checkedAt": "2026-10-06" }, { "url": "https://secure.bankofamerica.com/apply-now-services/credit-cards/rest/get-disclosures/v1/usa/show-in-browser?cId=4080500&isMobile=true&locale=en_US&poCd=CX", "publisher": "secure.bankofamerica.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; disclosures accurate10/2026; rates dated2026-09-30", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://business.bankofamerica.com/en/credit-cards/business-advantage-unlimited-cash-rewards", "https://secure.bankofamerica.com/apply-now-services/credit-cards/rest/get-disclosures/v1/usa/show-in-browser?cId=4078727&isMobile=true&locale=en_US&poCd=7B", "https://business.bankofamerica.com/en/credit-cards/atmos-rewards", "https://secure.bankofamerica.com/apply-now-services/credit-cards/rest/get-disclosures/v1/usa/show-in-browser?cId=4080500&isMobile=true&locale=en_US&poCd=CX" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; undated live page", "Accessed 2026-10-06 UTC; disclosures accurate 10/2026; rates 2026-09-30", "Accessed 2026-10-06 UTC; undated current product page; campaign4080500/CX", "Accessed 2026-10-06 UTC; disclosures accurate10/2026; rates dated2026-09-30" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-080", "name": "Hawaiian personal bonus tiers", "issuer": "Barclays", "statement": "The Hawaiian personal offer has separate total-spending tiers at 90 and 180 days. Meeting one threshold does not establish completion of the other; terms apply.", "type": "bonus", "scope": "The cited offer’s two purchase thresholds and separate deadlines.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.boh.com/personal/credit-card", "publisher": "boh.com", "title": "Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Bank of Hawaii", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed2026-10-06 UTC; undated current offer page", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.boh.com/personal/credit-card" ], "evidenceDates": [ "Accessed2026-10-06 UTC; undated current offer page" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-081", "name": "Barclays planning interval", "issuer": "Barclays", "statement": "A six-month interval is a cautious planning preference. Exceptions are reported; it is not a universal issuer-required wait.", "type": "planning", "scope": "Optional personal-card spacing based on applicant reports.", "productIds": [], "evidenceType": "planning", "label": "ApplyOrWait planning default", "sources": [ { "url": "https://frequentmiler.com/complete-guide-to-credit-card-application-rules-by-bank/", "publisher": "frequentmiler.com", "title": "Complete Guide to Credit Card Application Rules by Bank", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; displayed 2026-02-24; explicitly personal with exceptions", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://frequentmiler.com/complete-guide-to-credit-card-application-rules-by-bank/" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; displayed 2026-02-24; explicitly personal with exceptions" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-082", "name": "Barclays and U.S. Bank inquiries", "issuer": "Barclays / US Bank", "statement": "UNVERIFIED support: the cited bureau-selection tracker does not establish Barclays or U.S. Bank inquiry sensitivity. No dependable inquiry cutoff or application date is established by this record.", "type": "advisory", "scope": "Recent inquiries on the particular report checked by the issuer.", "productIds": [], "evidenceType": "unverified", "label": "Unverified support", "sources": [ { "url": "https://www.doctorofcredit.com/credit-bureaus/which-credit-bureau-does-each-card-issuer-pull/", "publisher": "doctorofcredit.com", "title": "Which Credit Bureau Does Each Card Issuer Pull? - Doctor Of Credit", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; maintained tracker", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.doctorofcredit.com/credit-bureaus/which-credit-bureau-does-each-card-issuer-pull/" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; maintained tracker" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-083", "name": "Business applicant requirements", "issuer": "Business-card issuers", "statement": "Business-card eligibility requires a qualifying business and an authorized applicant. Eligible sole proprietors may apply.", "type": "application", "scope": "A qualifying business and an applicant authorized to act for it.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-business-american-express-card/42732-9-0?key=tncBody&rwdFlag=rwd", "publisher": "americanexpress.com", "title": "Marriott Bonvoy Business American Express Card | Business Credit Card Application - Terms, Conditions & Disclosures", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; rates 2026-09-24; offer ends 2026-11-04", "checkedAt": "2026-10-06" }, { "url": "https://www.usbank.com/business-banking/business-credit-cards/business-triple-cash-back-credit-card.html", "publisher": "usbank.com", "title": "Triple Cash Rewards Visa® Business Credit Card | U.S. Bank", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live page", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-business-american-express-card/42732-9-0?key=tncBody&rwdFlag=rwd", "https://www.usbank.com/business-banking/business-credit-cards/business-triple-cash-back-credit-card.html" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; rates 2026-09-24; offer ends 2026-11-04", "Accessed 2026-10-06 UTC; undated live page" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-084", "name": "Capital One recent-application screens", "issuer": "Capital One", "statement": "Some consumer offers may be unavailable after a recent approval or two recent applications. Check the particular offer; a general waiting date is not established.", "type": "advisory", "scope": "Offer-specific recent approvals and multiple applications within 30 days.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.capitalone.com/apply/credit-cards/preapprove/?landingPage=quicksilver-secured", "publisher": "capitalone.com", "title": "Get Pre-Approved for a Capital One Credit Card | Capital One", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved via public search index; crawled 3 days earlier; FAQ undated", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.capitalone.com/apply/credit-cards/preapprove/?landingPage=quicksilver-secured" ], "evidenceDates": [ "2026-10-06 retrieved via public search index; crawled 3 days earlier; FAQ undated" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-085", "name": "Capital One planning interval", "issuer": "Capital One", "statement": "Leaving more time between applications may help. Approvals closer than six months apart have been reported, and Capital One does not publish a universal six-month ban. This caution does not exclude a card or establish a required waiting date.", "type": "advisory", "scope": "Reported six-month spacing caution; separate from issuer restrictions.", "productIds": [], "evidenceType": "observed", "label": "Applicant reports", "sources": [ { "url": "https://www.capitalone.com/learn-grow/money-management/how-many-capital-one-cards-can-you-have/", "publisher": "capitalone.com", "title": "How Many Capital One Cards Can You Have? | Capital One", "titleCheckedAt": "2026-10-07", "dateNote": "2026-08-18 published; 2026-10-06 retrieved UTC", "checkedAt": "2026-10-06" }, { "url": "https://www.reddit.com/r/CapitalOne_/comments/1t7b6if/approved_for_venture_w_full_sub_less_than_3/", "publisher": "reddit.com", "title": "Approved for Venture w/ Full SUB Less Than 3 Months After Savor : r/CapitalOne_", "titleCheckedAt": "2026-10-07", "dateNote": "2026-05-08 applicant report; 2026-10-06 retrieved UTC", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.capitalone.com/learn-grow/money-management/how-many-capital-one-cards-can-you-have/", "https://www.reddit.com/r/CapitalOne_/comments/1t7b6if/approved_for_venture_w_full_sub_less_than_3/" ], "evidenceDates": [ "2026-08-18 published; 2026-10-06 retrieved UTC", "2026-05-08 applicant report; 2026-10-06 retrieved UTC" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-086", "name": "Capital One bureau checks", "issuer": "Capital One", "statement": "Capital One often checks all three bureaus. A hard inquiry can appear on each report, though the actual checks can vary.", "type": "advisory", "scope": "Separate credit reports that may be checked for one application.", "productIds": [], "evidenceType": "observed", "label": "Applicant reports", "sources": [ { "url": "https://frequentmiler.com/VentureX/", "publisher": "frequentmiler.com", "title": "Capital One Venture X Rewards Card", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved UTC; indexed crawl 3 weeks earlier; other velocity/cap statements on this page are stale", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://frequentmiler.com/VentureX/" ], "evidenceDates": [ "2026-10-06 retrieved UTC; indexed crawl 3 weeks earlier; other velocity/cap statements on this page are stale" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-087", "name": "Capital One account limits", "issuer": "Capital One", "statement": "The cited evidence does not establish a dependable universal two-personal-card limit. Check offer-specific account conditions.", "type": "advisory", "scope": "The specific product and offer, rather than a general two-card maximum.", "productIds": [], "evidenceType": "observed", "label": "Applicant reports", "sources": [ { "url": "https://www.capitalone.com/learn-grow/money-management/how-many-capital-one-cards-can-you-have/", "publisher": "capitalone.com", "title": "How Many Capital One Cards Can You Have? | Capital One", "titleCheckedAt": "2026-10-07", "dateNote": "2026-08-18 published; 2026-10-06 retrieved UTC", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.capitalone.com/learn-grow/money-management/how-many-capital-one-cards-can-you-have/" ], "evidenceDates": [ "2026-08-18 published; 2026-10-06 retrieved UTC" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-088", "name": "Starting a spacing estimate", "issuer": "Capital One / Barclays", "statement": "A spacing estimate uses the entered dates and calendar arithmetic. It does not shift the starting date into an earlier month.", "type": "planning", "scope": "The calculation date and actual previous application date.", "productIds": [], "evidenceType": "planning", "label": "ApplyOrWait planning default", "sources": [ { "url": "https://www.capitalone.com/learn-grow/money-management/how-many-capital-one-cards-can-you-have/", "publisher": "capitalone.com", "title": "How Many Capital One Cards Can You Have? | Capital One", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; published 2026-08-18", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.capitalone.com/learn-grow/money-management/how-many-capital-one-cards-can-you-have/" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; published 2026-08-18" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-089", "name": "Chase 5/24 opening-count rule", "issuer": "Chase", "statement": "Applicants report that Chase generally declines applications subject to 5/24 at five or more counted accounts. Being below five does not establish approval.", "type": "application", "scope": "Counted card openings across issuers in the preceding 24 months.", "productIds": [], "evidenceType": "observed", "label": "Applicant reports", "sources": [ { "url": "https://frequentmiler.com/chase-5-24-rule-how-to-count-status/", "publisher": "frequentmiler.com", "title": "Chase 5/24 Rule: 2 Easy Ways to Count Your Status", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; published 2026-07-31", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://frequentmiler.com/chase-5-24-rule-how-to-count-status/" ], "evidenceDates": [ "2026-10-06 retrieved; published 2026-07-31" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/chase-5-24-calculator" }, { "id": "RULE-090", "name": "Chase authorized users and closed cards", "issuer": "Chase", "statement": "Applicant reports describe reporting authorized-user cards and recently closed cards as counting. Chase may review authorized-user treatment during reconsideration.", "type": "application", "scope": "Personal-reporting accounts, including authorized users and recent closed accounts.", "productIds": [], "evidenceType": "observed", "label": "Applicant reports", "sources": [ { "url": "https://www.doctorofcredit.com/chase-524-rule-explained-detail-need-know/", "publisher": "doctorofcredit.com", "title": "Chase 5/24 Rule Explained In Detail - Everything You Need To Know (Updated For 2020) - Doctor Of Credit", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; published 2019-05-24; guide title updated for 2020", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.doctorofcredit.com/chase-524-rule-explained-detail-need-know/" ], "evidenceDates": [ "2026-10-06 retrieved; published 2019-05-24; guide title updated for 2020" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/chase-5-24-calculator" }, { "id": "RULE-091", "name": "Chase business cards and 5/24", "issuer": "Chase", "statement": "Chase business applications can be subject to 5/24 even though the opened business account generally does not add to the personal count.", "type": "application", "scope": "Being subject to 5/24 and adding to its count are different questions.", "productIds": [], "evidenceType": "observed", "label": "Applicant reports", "sources": [ { "url": "https://frequentmiler.com/best-business-card-offers-that-dont-add-to-5-24/", "publisher": "frequentmiler.com", "title": "Best business card offers that don't add to 5/24", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; page continuously maintained, original publication date not used as current offer date", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://frequentmiler.com/best-business-card-offers-that-dont-add-to-5-24/" ], "evidenceDates": [ "2026-10-06 retrieved; page continuously maintained, original publication date not used as current offer date" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/chase-5-24-calculator" }, { "id": "RULE-092", "name": "Preserving a Chase slot", "issuer": "Chase", "statement": "A qualifying nonreporting Chase business account may preserve room in the personal count. The applicant must still meet business and application conditions.", "type": "planning", "scope": "Ordering eligible business and personal applications near the 5/24 threshold.", "productIds": [], "evidenceType": "planning", "label": "ApplyOrWait planning default", "sources": [ { "url": "https://frequentmiler.com/how-to-apply-for-chase-ink-and-sapphire-business-cards/", "publisher": "frequentmiler.com", "title": "How to apply for Chase Ink® & Sapphire® Business cards", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; published 2026-06-19", "checkedAt": "2026-10-06" }, { "url": "https://frequentmiler.com/chase-5-24-rule-how-to-count-status/", "publisher": "frequentmiler.com", "title": "Chase 5/24 Rule: 2 Easy Ways to Count Your Status", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; published 2026-07-31", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://frequentmiler.com/how-to-apply-for-chase-ink-and-sapphire-business-cards/", "https://frequentmiler.com/chase-5-24-rule-how-to-count-status/" ], "evidenceDates": [ "2026-10-06 retrieved; published 2026-06-19", "2026-10-06 retrieved; published 2026-07-31" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-093", "name": "Current same-card ownership", "issuer": "Chase", "statement": "The cited new-account offers exclude current holders of the named card. A holding check for one product does not establish every issuer’s policy.", "type": "application", "scope": "New-account offers that exclude current holders of the specific product.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://creditcards.chase.com/cash-back-credit-cards/freedom/flex?CELL=62XP", "publisher": "creditcards.chase.com", "title": "Chase Freedom Flex Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved via live search; publication date not displayed", "checkedAt": "2026-10-06" }, { "url": "https://creditcards.chase.com/travel-credit-cards/united/united-explorer", "publisher": "creditcards.chase.com", "title": "United Explorer Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved via live search; publication date not displayed", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://creditcards.chase.com/cash-back-credit-cards/freedom/flex?CELL=62XP", "https://creditcards.chase.com/travel-credit-cards/united/united-explorer" ], "evidenceDates": [ "2026-10-06 retrieved via live search; publication date not displayed", "2026-10-06 retrieved via live search; publication date not displayed" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-094", "name": "Chase 5/24 drop-off dates", "issuer": "Chase", "statement": "The estimate changes as older counted accounts leave the rolling window. Its stated date convention is a planning method; confirm report dates and issuer treatment.", "type": "planning", "scope": "The calculator’s dated account-count method; reported issuer cutoffs differ.", "productIds": [], "evidenceType": "planning", "label": "ApplyOrWait planning default", "sources": [ { "url": "https://frequentmiler.com/chase-5-24-rule-how-to-count-status/", "publisher": "frequentmiler.com", "title": "Chase 5/24 Rule: 2 Easy Ways to Count Your Status", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; published 2026-07-31", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://frequentmiler.com/chase-5-24-rule-how-to-count-status/" ], "evidenceDates": [ "2026-10-06 retrieved; published 2026-07-31" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/chase-5-24-calculator" }, { "id": "RULE-095", "name": "Sapphire product changes", "issuer": "Chase", "statement": "Chase describes upgrades subject to account history and credit-limit conditions. A product change does not earn Reserve’s new-card welcome bonus.", "type": "application / bonus", "scope": "Preferred-to-Reserve upgrades and new-card welcome bonuses.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.chase.com/personal/credit-cards/education/chase-cards/upgrading-to-sapphire-reserve-from-sapphire-preferred", "publisher": "chase.com", "title": "Upgrading from Chase Sapphire Preferred® to Sapphire Reserve® | Chase", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" }, { "url": "https://www.chase.com/personal/credit-cards/education/rewards-benefits/upgrade-credit-card", "publisher": "chase.com", "title": "Can You Upgrade a Credit Card & How to Do It | Chase", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.chase.com/personal/credit-cards/education/chase-cards/upgrading-to-sapphire-reserve-from-sapphire-preferred", "https://www.chase.com/personal/credit-cards/education/rewards-benefits/upgrade-credit-card" ], "evidenceDates": [ "2026-10-06 retrieved; publication date not stated", "2026-10-06 retrieved; publication date not stated" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-096", "name": "Holding another Sapphire card", "issuer": "Chase", "statement": "Holding the other Sapphire is not an automatic exclusion in the reviewed offer terms. Chase still determines welcome-offer eligibility.", "type": "bonus", "scope": "The current offer for the separately evaluated Sapphire product.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred", "publisher": "creditcards.chase.com", "title": "Chase Sapphire Preferred Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not displayed", "checkedAt": "2026-10-06" }, { "url": "https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve", "publisher": "creditcards.chase.com", "title": "Chase Sapphire Reserve Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not displayed", "checkedAt": "2026-10-06" }, { "url": "https://www.chase.com/personal/credit-cards/education/chase-cards/upgrading-to-sapphire-reserve-from-sapphire-preferred", "publisher": "chase.com", "title": "Upgrading from Chase Sapphire Preferred® to Sapphire Reserve® | Chase", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred", "https://creditcards.chase.com/rewards-credit-cards/sapphire/reserve", "https://www.chase.com/personal/credit-cards/education/chase-cards/upgrading-to-sapphire-reserve-from-sapphire-preferred" ], "evidenceDates": [ "2026-10-06 retrieved; publication date not displayed", "2026-10-06 retrieved; publication date not displayed", "2026-10-06 retrieved; publication date not stated" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-097", "name": "Chase bonus fulfillment and retention", "issuer": "Chase", "statement": "Keep the account open and in good standing through fulfillment. The cited offers permit bonus recovery for closure before six months; terms apply.", "type": "bonus", "scope": "Offers requiring an open account in good standing and specified retention.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://creditcards.chase.com/business-credit-cards/united/united-business-card", "publisher": "creditcards.chase.com", "title": "United Business Credit Card: Airline Rewards | Chase", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" }, { "url": "https://creditcards.chase.com/business-credit-cards/world-of-hyatt/hyatt-business-card", "publisher": "creditcards.chase.com", "title": "World of Hyatt Business Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" }, { "url": "https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold", "publisher": "creditcards.chase.com", "title": "Marriott Bonvoy Bold: Hotel and Travel Credit Card | Chase.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; publication date not stated", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://creditcards.chase.com/business-credit-cards/united/united-business-card", "https://creditcards.chase.com/business-credit-cards/world-of-hyatt/hyatt-business-card", "https://creditcards.chase.com/travel-credit-cards/marriott-bonvoy/bold" ], "evidenceDates": [ "2026-10-06 retrieved; publication date not stated", "2026-10-06 retrieved; publication date not stated", "2026-10-06 retrieved; publication date not stated" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-098", "name": "Companion Pass qualifying points", "issuer": "Chase / Southwest", "statement": "The reviewed program requires 135,000 qualifying points in one calendar year. Eligible card bonuses may count, and the annual boost is awarded once; terms apply.", "type": "bonus", "scope": "Qualifying points in one calendar year and the once-annual cardmember boost.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.southwest.com/rapid-rewards/eoy-tier-communication/2026/", "publisher": "southwest.com", "title": "End of Year | Tier Qualifying Points | Southwest Airlines", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; applies to 2026; publication date not stated", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.southwest.com/rapid-rewards/eoy-tier-communication/2026/" ], "evidenceDates": [ "2026-10-06 retrieved; applies to 2026; publication date not stated" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-099", "name": "Cards without a hard credit check", "issuer": "Chime / OpenSky", "statement": "The cited offers do not require a hard credit check. Opening an account can still affect rules based on new accounts.", "type": "application", "scope": "The cited Chime and OpenSky offers; account counting remains separate.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.chime.com/credit/chime-card/", "publisher": "chime.com", "title": "Chime Secured Credit Card | Chime Card", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live page", "checkedAt": "2026-10-06" }, { "url": "https://www.openskycc.com/", "publisher": "openskycc.com", "title": "OpenSky", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; undated live page", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.chime.com/credit/chime-card/", "https://www.openskycc.com/" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; undated live page", "Accessed 2026-10-06 UTC; undated live page" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-100", "name": "Citi inquiry sensitivity", "issuer": "Citi", "statement": "Applicants report Citi sensitivity to recent inquiries. No dependable universal inquiry cutoff is published.", "type": "advisory", "scope": "Recent hard inquiries, including non-card loan inquiries.", "productIds": [], "evidenceType": "observed", "label": "Applicant reports", "sources": [ { "url": "https://frequentmiler.com/aaplatbiz/", "publisher": "frequentmiler.com", "title": "Citi® / AAdvantage Business™ World Elite Mastercard®", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved UTC; page update date not visible", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://frequentmiler.com/aaplatbiz/" ], "evidenceDates": [ "2026-10-06 retrieved UTC; page update date not visible" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-101", "name": "Citi recent-inquiry reports", "issuer": "Citi", "statement": "Some applicants report a Citi denial after another bank checked the same report within five days. The modeled recheck is based on this reported pattern.", "type": "application", "scope": "Another bank’s recent inquiry on the report Citi checks.", "productIds": [], "evidenceType": "observed", "label": "Applicant reports", "sources": [ { "url": "https://frequentmiler.com/possible-citi-5-day-rule-causing-denials-for-too-many-inquiries/", "publisher": "frequentmiler.com", "title": "Possible Citi 5-day rule causing denials for \"too many inquiries\"", "titleCheckedAt": "2026-10-07", "dateNote": "2023-11-01 published;2026-10-06 retrieved UTC", "checkedAt": "2026-10-06" }, { "url": "https://www.reddit.com/r/CreditCards/comments/1oqtjr5/citi_business_and_personal_card_approval_same_day/", "publisher": "reddit.com", "title": "Citi business and personal card approval same day : r/CreditCards", "titleCheckedAt": "2026-10-07", "dateNote": "2026-01-22 supporting comment;2026-10-06 retrieved UTC", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://frequentmiler.com/possible-citi-5-day-rule-causing-denials-for-too-many-inquiries/", "https://www.reddit.com/r/CreditCards/comments/1oqtjr5/citi_business_and_personal_card_approval_same_day/" ], "evidenceDates": [ "2023-11-01 published;2026-10-06 retrieved UTC", "2026-01-22 supporting comment;2026-10-06 retrieved UTC" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-102", "name": "Discover and Capital One bank identity", "issuer": "Discover / Capital One", "statement": "Discover is part of Capital One. A bank exclusion can cover both brands, but current product and application terms need a brand-specific check.", "type": "availability", "scope": "Bank-level exclusions and brand-specific current offer terms.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.capitalone.com/credit-cards/", "publisher": "capitalone.com", "title": "Capital One Credit Cards", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved UTC; undated live offer", "checkedAt": "2026-10-06" }, { "url": "https://www.discover.com/credit-cards/", "publisher": "discover.com", "title": "Apply for a Credit Card Online from Discover", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved UTC; undated live offer", "checkedAt": "2026-10-06" }, { "url": "https://www.discover.com/credit-cards/cash-back/it-card/", "publisher": "discover.com", "title": "Discover it Cash Back Credit Card | Apply in Minutes", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved UTC; undated live offer", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.capitalone.com/credit-cards/", "https://www.discover.com/credit-cards/", "https://www.discover.com/credit-cards/cash-back/it-card/" ], "evidenceDates": [ "2026-10-06 retrieved UTC; undated live offer", "2026-10-06 retrieved UTC; undated live offer", "2026-10-06 retrieved UTC; undated live offer" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-103", "name": "Discover Secured product versions", "issuer": "Discover / Capital One", "statement": "The reviewed sources distinguish a newer secured offer from the historical Discover it Secured product. Historical checks do not establish current terms.", "type": "availability", "scope": "Current and historical secured products; versions have separate terms.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.discover.com/credit-cards/secured-credit-card/", "publisher": "discover.com", "title": "Discover it Secured Cash Back Credit Card | Discover", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved UTC; undated live offer", "checkedAt": "2026-10-06" }, { "url": "https://www.discover.com/credit-cards/", "publisher": "discover.com", "title": "Apply for a Credit Card Online from Discover", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved UTC; undated live offer", "checkedAt": "2026-10-06" }, { "url": "https://www.capitalone.com/credit-cards/", "publisher": "capitalone.com", "title": "Capital One Credit Cards", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved UTC; undated live offer", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.discover.com/credit-cards/secured-credit-card/", "https://www.discover.com/credit-cards/", "https://www.capitalone.com/credit-cards/" ], "evidenceDates": [ "2026-10-06 retrieved UTC; undated live offer", "2026-10-06 retrieved UTC; undated live offer", "2026-10-06 retrieved UTC; undated live offer" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-104", "name": "U.S. Bank 5/12 reports", "issuer": "US Bank", "statement": "Recent accounts can affect U.S. Bank review. Reported thresholds differ; this evidence does not establish a universal waiting period.", "type": "advisory", "scope": "Recent-account sensitivity, with varying thresholds and business scope.", "productIds": [], "evidenceType": "observed", "label": "Applicant reports", "sources": [ { "url": "https://frequentmiler.com/complete-guide-to-credit-card-application-rules-by-bank/", "publisher": "frequentmiler.com", "title": "Complete Guide to Credit Card Application Rules by Bank", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; displayed 2026-02-24", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://frequentmiler.com/complete-guide-to-credit-card-application-rules-by-bank/" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; displayed 2026-02-24" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-105", "name": "Wells Fargo recent-account reports", "issuer": "Wells Fargo", "statement": "Applicant reports conflict on a fixed 24-month screen. This caution does not supply an application date or erase a separate dated condition.", "type": "advisory", "scope": "Recent card openings across banks, separate from the four-month consumer condition.", "productIds": [], "evidenceType": "observed", "label": "Applicant reports", "sources": [ { "url": "https://www.reddit.com/r/CreditCards/comments/1lwq8bu", "publisher": "reddit.com", "title": "Wells Fargo 5/24 Type Rule DP : r/CreditCards", "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; 2025 applicant denial report", "checkedAt": "2026-10-06" }, { "url": "https://www.reddit.com/r/CreditCards/comments/1dknvvv", "publisher": "reddit.com", "title": null, "titleCheckedAt": "2026-10-07", "dateNote": "Accessed 2026-10-06 UTC; 2024 applicant reports", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.reddit.com/r/CreditCards/comments/1lwq8bu", "https://www.reddit.com/r/CreditCards/comments/1dknvvv" ], "evidenceDates": [ "Accessed 2026-10-06 UTC; 2025 applicant denial report", "Accessed 2026-10-06 UTC; 2024 applicant reports" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-106", "name": "Hilton Honors offer history", "issuer": "American Express", "statement": "Other Hilton cards do not automatically exclude the reviewed Hilton Honors offer. Earlier ownership of that specific card may matter.", "type": "bonus", "scope": "Prior ownership of Hilton Honors versus other Hilton products.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/hilton-honors-credit-card/25330-10-0", "publisher": "americanexpress.com", "title": "Hilton Honors Card - Terms, Conditions & Disclosures", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-04 rates; accessed 2026-10-06; offer ends 2027-01-13", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/hilton-honors-credit-card/25330-10-0" ], "evidenceDates": [ "2026-10-04 rates; accessed 2026-10-06; offer ends 2027-01-13" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-107", "name": "Chase application-spacing guidance", "issuer": "Chase", "statement": "UNVERIFIED support: the cited question thread does not establish a 90-day Chase spacing recommendation. This record supplies neither an issuer-required wait nor a substantiated application date.", "type": "advisory", "scope": "Community guidance on spacing Chase applications.", "productIds": [], "evidenceType": "unverified", "label": "Unverified support", "sources": [ { "url": "https://www.reddit.com/r/churning/comments/1suab5o/question_thread_april_24_2026/", "publisher": "reddit.com", "title": "Question Thread - April 24, 2026 : r/churning", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 retrieved; thread 2026-04-24", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.reddit.com/r/churning/comments/1suab5o/question_thread_april_24_2026/" ], "evidenceDates": [ "2026-10-06 retrieved; thread 2026-04-24" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06" ], "verifiedAt": null, "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" }, { "id": "RULE-108", "name": "Custom Cash historical availability", "issuer": "Citi", "statement": "The reviewed product is closed to new applications. Existing accounts remain relevant, and a conversion should not be assumed available.", "type": "availability", "scope": "Citi Custom Cash historical accounts and uncertain conversions.", "productIds": [], "evidenceType": "published", "label": "Issuer terms · Direct source", "sources": [ { "url": "https://www.citi.com/credit-cards/citi-custom-cash-credit-card", "publisher": "citi.com", "title": "Citi Custom Cash® Card | Citi.com", "titleCheckedAt": "2026-10-07", "dateNote": "2026-10-06 (retrieved UTC; undated live offer)", "checkedAt": "2026-10-06" }, { "url": "https://www.doctorofcredit.com/citi-still-allowing-product-changes-to-citi-custom-cash-card/", "publisher": "doctorofcredit.com", "title": "[No Longer Available] Citi Still Allowing Product Changes To Citi Custom Cash Card", "titleCheckedAt": "2026-10-07", "dateNote": "2026-05-29 published;2026-07-10 update;2026-10-06 retrieved UTC", "checkedAt": "2026-10-06" } ], "sourceUrls": [ "https://www.citi.com/credit-cards/citi-custom-cash-credit-card", "https://www.doctorofcredit.com/citi-still-allowing-product-changes-to-citi-custom-cash-card/" ], "evidenceDates": [ "2026-10-06 (retrieved UTC; undated live offer)", "2026-05-29 published;2026-07-10 update;2026-10-06 retrieved UTC" ], "effectiveDate": null, "reviewHistory": [ "2026-10-06", "2026-10-07" ], "verifiedAt": "2026-10-07", "version": "issuer-audit-2026-10-06", "checkerUrl": "https://applyorwait.com/check" } ] }