Credit card application rules by issuer
Checked
Wells Fargo’s published terms caution that opening a consumer card within four months may affect qualification for another. Applicants report Chase’s 5/24 account limit and Amex’s two-credit-card-approvals-in-90-days pattern, with exceptions. These restrictions concern different events; being outside a window does not establish approval or bonus eligibility. The ledger distinguishes issuer terms, secondary reporting, applicant observations, unverified support and ApplyOrWait planning defaults.
Wells Fargo four-month condition · Issuer terms · Chase 5/24 opening-count rule · Applicant reports · Amex 2/90 · Applicant reports
How should you read the evidence labels?
Issuer terms describe conditions in an offer, but “may” wording can leave individual eligibility unresolved. A direct source is an issuer page. A secondary source reports issuer terms from another publisher. Secondary reporting describes a publisher’s account of a change, rather than an issuer statement. Applicant reports describe unpublished patterns, with exceptions. “Unverified support” means the cited source does not currently establish the specific condition; it must not be treated as confirmed issuer terms.
108 records: 59 issuer terms · direct source; 5 issuer terms · secondary source; 26 applicant reports; 1 secondary reporting; 4 unverified support; 13 applyorwait planning default. Planning-default sources supply background about the underlying condition, rather than evidence that a bank requires this software’s scheduling policy.
Each record has reviewed public wording. Stable record identifiers identify citations; they are not part of the statements. A product-specific offer should not be generalized to every card at that bank.
Where can you find a specific rule?
Does an earlier Amex account affect a welcome offer?
Earlier ownership can matter even when no bonus was earned. Personalized and targeted offers can differ; there is no fixed lifetime-language reset date established by this ledger. Amex welcome-bonus history · Issuer terms · Amex Green, Gold and Platinum offers · Issuer terms · Amex lifetime-language offers · Issuer terms
Which Amex holding limits are reported?
Applicants commonly report five credit cards and ten charge or Pay Over Time cards, with exceptions. These are holding categories, not the rolling approval count. Personal and business history must be classified together within the relevant category. Amex card-holding limits · Applicant reports · Amex charge-card holdings · Applicant reports
Is six months an issuer-required Capital One wait?
No universal six-month ban is published in the reviewed evidence. The tool displays its optional interval as a planning default, separate from recent-application cautions in specific offers. Capital One recent-application screens · Issuer terms · Capital One planning interval · Applicant reports
Do business accounts affect Chase 5/24?
Check personal-reporting treatment and the actual product version. Being subject to an application rule is different from adding a new account to the count. Capital One business reporting · Issuer terms · Chase business cards and 5/24 · Applicant reports
Can Chase review an authorized-user account?
The default count includes reporting authorized-user cards. Reports describe exclusions during reconsideration, but an exception cannot be assumed in advance. These accounts are not the user’s own application or approval events. Chase authorized users and closed cards · Applicant reports
Can you download the same reviewed records?
Download CSV · Download JSON. Both files share the displayed statements, scopes and evidence classifications. Version: issuer-audit-2026-10-06. Rule-review batch: 2026-10-06.
Downloads retain catalog identifiers for reuse; the page displays readable product names. Effective dates are blank unless recorded. Source publication and access notes are retained without promoting them into effective dates or inventing record-level review dates.
108 of 108 records shown
| Issuer and rule | What it says | Application or bonus | Cards and exceptions | Evidence type | Sources | Source checked |
|---|---|---|---|---|---|---|
| All issuers Age and residency requirements RULE-071 Permalink Open checker | Eligibility can depend on age and residence. Some offers exclude particular U.S. territories; read the selected terms. | Application or bonus: application | Cards and exceptionsOffer-specific age, residency and territorial conditions. | Evidence: Issuer terms · Direct source | americanexpress.com — Hilton Honors Card - Terms, Conditions & Disclosuresamericanexpress.com — Hilton Honors Card - Terms, Conditions & Disclosures Source date note: Accessed 2026-10-06 UTC; rates2026-10-04 Checked: 2026-10-06 barclaycardus.com — Source title unavailablebarclaycardus.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; rates2026-09-30 The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| All issuers Eligible spending and deadlines RULE-073 Permalink Open checker | Only eligible purchases completed by the stated deadline count. Returns, fees and other excluded transactions may not qualify; terms apply. | Application or bonus: bonus | Cards and exceptionsThe accepted offer’s eligible purchases and exact deadline. | Evidence: Issuer terms · Direct source | creditcards.chase.com — IHG One Rewards Business Credit Card | Chase.comcreditcards.chase.com — IHG One Rewards Business Credit Card | Chase.com Source date note: Accessed 2026-10-06 UTC; undated live terms Checked: 2026-10-06 americanexpress.com — Hilton Honors Card - Terms, Conditions & Disclosuresamericanexpress.com — Hilton Honors Card - Terms, Conditions & Disclosures Source date note: Accessed 2026-10-06 UTC; rates2026-10-04; offerends2027-01-13 Checked: 2026-10-06 barclaycardus.com — Source title unavailablebarclaycardus.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; rates2026-09-30 The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| American Express Amex 1/5 RULE-004 Permalink Open checker | Applicants commonly report a five-day gap between Amex credit-card approvals. Exceptions occur; this is an unpublished pattern. | Application or bonus: application | Cards and exceptionsPersonal and business Amex credit-card approvals; charge cards are treated separately. | Evidence: Applicant reports | asksebby.com — AskSebby - Rules to Know for American Express Credit Card Applications 2026asksebby.com — AskSebby - Rules to Know for American Express Credit Card Applications 2026 Source date note: updated 2026-02-10; only dated velocity observations used; accessed 2026-10-06 UTC Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| American Express Amex same-product 90-day spacing RULE-005 Permalink Open checker | Applicant reports describe a 90-day approval gap when Amex treats two cards as the same application product. | Application or bonus: application | Cards and exceptionsRepeated applications in the same product class, including Bevy and Brilliant. | Evidence: Applicant reports | frequentmiler.com — Marriott Bonvoy Brilliant® American Express® Cardfrequentmiler.com — Marriott Bonvoy Brilliant® American Express® Card Source date note: undated maintained Brilliant tracker; accessed 2026-10-06 UTC Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| American Express Amex Blue Cash family offers RULE-006 Permalink Open checker | 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. | Application or bonus: bonus / introductory offer | Cards and exceptionsBlue Cash Everyday and Blue Cash Preferred; prior ownership and the specific offer matter. Named products: Blue Cash Everyday; Cash Magnet; Blue Cash Preferred. | Evidence: Issuer terms · Secondary source | doctorofcredit.com — American Express Adds Family Language To Blue Cash Cards - Doctor Of Creditdoctorofcredit.com — American Express Adds Family Language To Blue Cash Cards - Doctor Of Credit Source date note: 2023-10-03 published; accessed 2026-10-06 Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| American Express Amex Delta personal family offers RULE-007 Permalink Open checker | Earlier ownership of a higher-tier personal Delta card may restrict a lower-tier welcome offer. | Application or bonus: bonus | Cards and exceptionsPersonal Delta credit cards; business offers have separate terms. Named products: Delta SkyMiles Gold; Delta SkyMiles Platinum; Delta SkyMiles Reserve; Delta SkyMiles Gold Business. | Evidence: Issuer terms · Secondary source | doctorofcredit.com — American Express Adds Family Language To Delta Personal Cards - Doctor Of CreditSource date note: 2023-09-18 published; accessed 2026-10-06 Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| American Express Amex card-holding limits RULE-008 Permalink Open checker | Applicants commonly report a limit of five Amex credit cards, including business cards. Reported exceptions do not establish an individual limit. | Application or bonus: application | Cards and exceptionsOpen personal and business Amex credit cards, combined. | Evidence: Applicant reports | doctorofcredit.com — [Update] American Express Rule - 10 Charge Cards Per Person - Doctor Of Creditdoctorofcredit.com — [Update] American Express Rule - 10 Charge Cards Per Person - Doctor Of Credit Source date note: 2026-04-10 updated; accessed 2026-10-06 Checked: 2026-10-06 frequentmiler.com — Which Amex Cards are Credit Cards? How many can you get?frequentmiler.com — Which Amex Cards are Credit Cards? How many can you get? Source date note: 2025-12-26 updated; accessed 2026-10-06 Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| American Express Amex welcome-bonus history RULE-009 Permalink Open checker | An Amex welcome offer may exclude someone who held that card or an earlier version. The accepted offer determines eligibility. | Application or bonus: bonus | Cards and exceptionsPrior ownership of the same card or an earlier version, even without a bonus. | Evidence: Issuer terms · Direct source | americanexpress.com — Marriott Bonvoy Business American Express Card | Business Credit Card Application - Terms, Conditions & DisclosuresSource date note: 2026-09-24 rates; accessed 2026-10-06; offer ends 2026-11-04 Checked: 2026-10-06 americanexpress.com — Hilton Honors Card - Terms, Conditions & Disclosuresamericanexpress.com — Hilton Honors Card - Terms, Conditions & Disclosures Source date note: 2026-10-04 rates; accessed 2026-10-06; offer ends 2027-01-13 Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| American Express Amex Marriott offer relationships RULE-010 Permalink Open checker | Earlier Brilliant ownership may affect a Bevy welcome offer. There is no single 24-month waiting period covering every Amex Marriott offer. | Application or bonus: bonus | Cards and exceptionsBevy, Brilliant and Marriott Bonvoy Business; each offer is assessed separately. Named products: Marriott Bonvoy Bevy; Marriott Bonvoy Brilliant. | Evidence: Issuer terms · Direct source | americanexpress.com — Marriott Bonvoy Bevy® American Express® Card - Terms, Conditions & Disclosuresamericanexpress.com — Marriott Bonvoy Bevy® American Express® Card - Terms, Conditions & Disclosures Source date note: 2026-09-22 rates; accessed 2026-10-06; PROMOTION EXPIRED 2026-09-30 Checked: 2026-10-06 americanexpress.com — Marriott Bonvoy Brilliant® American Express® Card - Terms, Conditions & DisclosuresSource date note: 2026-09-30 rates; accessed 2026-10-06; PROMOTION EXPIRED 2026-09-30 Checked: 2026-10-06 americanexpress.com — Marriott Bonvoy Business American Express Card | Business Credit Card Application - Terms, Conditions & DisclosuresSource date note: 2026-09-24 rates; accessed 2026-10-06; offer ends 2026-11-04 Checked: 2026-10-06 doctorofcredit.com — (Update: Reversal) American Express Adds New Restrictive Language To Marriott CardsSource date note: 2026-05-14 updated; accessed 2026-10-06 Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| American Express Marriott offers across issuers RULE-011 Permalink Open checker | Marriott offers use different tests for prior ownership, recent approvals and welcome or upgrade bonuses. Read the selected offer and use the relevant dates. | Application or bonus: bonus | Cards and exceptionsNamed 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. | Evidence: Issuer terms · Direct source | americanexpress.com — Marriott Bonvoy Business American Express Card | Business Credit Card Application - Terms, Conditions & DisclosuresSource date note: 2026-09-24 rates; accessed 2026-10-06; offer ends 2026-11-04 Checked: 2026-10-06 americanexpress.com — Marriott Bonvoy Bevy® American Express® Card - Terms, Conditions & Disclosuresamericanexpress.com — Marriott Bonvoy Bevy® American Express® Card - Terms, Conditions & Disclosures Source date note: 2026-09-22 rates; accessed 2026-10-06; PROMOTION EXPIRED 2026-09-30 Checked: 2026-10-06 americanexpress.com — Marriott Bonvoy Brilliant® American Express® Card - Terms, Conditions & DisclosuresSource date note: 2026-09-30 rates; accessed 2026-10-06; PROMOTION EXPIRED 2026-09-30 Checked: 2026-10-06 doctorofcredit.com — (Update: Reversal) American Express Adds New Restrictive Language To Marriott CardsSource date note: 2026-05-14 updated; accessed 2026-10-06 Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| American Express Amex Green, Gold and Platinum offers RULE-012 Permalink Open checker | Taking Platinum first may restrict a later Gold or Green welcome offer. Personalized offers can differ. | Application or bonus: bonus | Cards and exceptionsPersonal Membership Rewards charge cards; directional family conditions. Named products: American Express Classic Green Card; Gold Card; Platinum Card. | Evidence: Issuer terms · Secondary source | doctorofcredit.com — American Express Adds Family Language To Personal Gold Card - Doctor Of Creditdoctorofcredit.com — American Express Adds Family Language To Personal Gold Card - Doctor Of Credit Source date note: 2023-10-09 published; accessed 2026-10-06 Checked: 2026-10-06 doctorofcredit.com — American Express Adds Family Language To Green Card - Doctor Of Creditdoctorofcredit.com — American Express Adds Family Language To Green Card - Doctor Of Credit Source date note: 2024-02-09 published; accessed 2026-10-06 Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| American Express Amex 2/90 RULE-013 Permalink Open checker | Applicants commonly report no more than two Amex credit-card approvals in 90 days. Charge cards are generally treated separately, and exceptions occur. | Application or bonus: application | Cards and exceptionsPersonal and business Amex credit-card approvals in a rolling 90-day window. | Evidence: Applicant reports | asksebby.com — AskSebby - Rules to Know for American Express Credit Card Applications 2026asksebby.com — AskSebby - Rules to Know for American Express Credit Card Applications 2026 Source date note: updated 2026-02-10; only dated velocity observations used; accessed 2026-10-06 UTC Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| American Express Amex personalized welcome offer RULE-014 Permalink Open checker | Amex decides whether a welcome offer is available and the amount offered. A no-bonus eligibility warning means that bonus cannot be counted. | Application or bonus: bonus | Cards and exceptionsThe welcome offer actually presented to the applicant. | Evidence: Issuer terms · Direct source | americanexpress.com — Marriott Bonvoy Business American Express Card | Business Credit Card Application - Terms, Conditions & DisclosuresSource date note: 2026-09-24 rates; accessed 2026-10-06; offer ends 2026-11-04 Checked: 2026-10-06 americanexpress.com — Hilton Honors Card - Terms, Conditions & Disclosuresamericanexpress.com — Hilton Honors Card - Terms, Conditions & Disclosures Source date note: 2026-10-04 rates; accessed 2026-10-06; offer ends 2027-01-13 Checked: 2026-10-06 americanexpress.com — Dining Credit Card Offers from Amex x Resy | American Expressamericanexpress.com — Dining Credit Card Offers from Amex x Resy | American Express Source date note: live personal Gold/Platinum variable-offer listing; accessed 2026-10-06 UTC Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| American Express Amex charge-card timing RULE-074 Permalink Open checker | The usual reported credit-card approval windows generally treat charge cards separately. Other application checks still matter. | Application or bonus: application | Cards and exceptionsGreen, Gold, Platinum and corresponding business charge products. | Evidence: Applicant reports | americanexpress.com — Business Green Rewards Card | Business Charge and Credit Card Application - Terms, Conditions & DisclosuresSource date note: 2026-08-21 rates; accessed 2026-10-06 Checked: 2026-10-06 frequentmiler.com — Which Amex Cards are Credit Cards? How many can you get?frequentmiler.com — Which Amex Cards are Credit Cards? How many can you get? Source date note: 2025-12-26 updated; accessed 2026-10-06 Checked: 2026-10-06 frequentmiler.com — Are you eligible for a new Marriott card? (Brilliant changes reversed)frequentmiler.com — Are you eligible for a new Marriott card? (Brilliant changes reversed) Source date note: 2026-05-14 updated; accessed 2026-10-06 Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| American Express Amex charge-card holdings RULE-075 Permalink Open checker | Applicants commonly report a ten-card total, with exceptions and some lower personal-card limits. This holding limit is separate from 2/90. | Application or bonus: application | Cards and exceptionsOpen personal and business charge or Pay Over Time cards. | Evidence: Applicant reports | doctorofcredit.com — [Update] American Express Rule - 10 Charge Cards Per Person - Doctor Of Creditdoctorofcredit.com — [Update] American Express Rule - 10 Charge Cards Per Person - Doctor Of Credit Source date note: 2026-04-10 updated; accessed 2026-10-06 Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| American Express Amex soft and hard inquiries RULE-076 Permalink Open checker | Existing cardholders often report a soft inquiry, but another card can still cause a hard inquiry. | Application or bonus: advisory | Cards and exceptionsExisting Amex cardholders accepting another card. | Evidence: Applicant reports | doctorofcredit.com — Which Credit Card Issuers Will Approve an Application with a Frozen Credit Report? - Doctor Of CreditSource date note: publication date unavailable; accessed 2026-10-06 Checked: 2026-10-06 americanexpress.com — Source title unavailableamericanexpress.com — Source title unavailable; original URL retained Source date note: publication date unavailable; accessed 2026-10-06 The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| American Express Amex first-year account retention RULE-077 Permalink Open checker | Early closure or downgrade may cause bonus recovery. Review the accepted offer, including any first-year retention condition. | Application or bonus: bonus | Cards and exceptionsClosing or downgrading after an Amex welcome bonus. | Evidence: Applicant reports | frequentmiler.com — Bilt adds upgrade/downgrade terms and conditionsfrequentmiler.com — Bilt adds upgrade/downgrade terms and conditions Source date note: 2026-09-21 published; accessed 2026-10-06 Checked: 2026-10-06 americanexpress.com — Source title unavailableamericanexpress.com — Source title unavailable; original URL retained Source date note: 2026-09-23 rates; accessed 2026-10-06 The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 americanexpress.com — Hilton Honors Card - Terms, Conditions & Disclosuresamericanexpress.com — Hilton Honors Card - Terms, Conditions & Disclosures Source date note: 2026-10-04 rates; accessed 2026-10-06; offer ends 2027-01-13 Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| American Express Amex lifetime-language offers RULE-078 Permalink Open checker | Earlier ownership may restrict the welcome offer. A targeted offer can have different terms; Amex determines eligibility. | Application or bonus: bonus | Cards and exceptionsPrior same-card ownership and targeted offers with different language. | Evidence: Issuer terms · Direct source | americanexpress.com — Marriott Bonvoy Business American Express Card | Business Credit Card Application - Terms, Conditions & DisclosuresSource date note: 2026-09-24 rates; accessed 2026-10-06; offer ends 2026-11-04 Checked: 2026-10-06 americanexpress.com — Hilton Honors Card - Terms, Conditions & Disclosuresamericanexpress.com — Hilton Honors Card - Terms, Conditions & Disclosures Source date note: 2026-10-04 rates; accessed 2026-10-06; offer ends 2027-01-13 Checked: 2026-10-06 doctorofcredit.com — [Expired] [YMMV] American Express Delta Offers - Up To 90,000 Miles + $300 - No Lifetime Language - Doctor Of CreditSource date note: 2026-06-17 updated; accessed 2026-10-06 Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| American Express Hilton Honors offer history RULE-106 Permalink Open checker | Other Hilton cards do not automatically exclude the reviewed Hilton Honors offer. Earlier ownership of that specific card may matter. | Application or bonus: bonus | Cards and exceptionsPrior ownership of Hilton Honors versus other Hilton products. | Evidence: Issuer terms · Direct source | americanexpress.com — Hilton Honors Card - Terms, Conditions & Disclosuresamericanexpress.com — Hilton Honors Card - Terms, Conditions & Disclosures Source date note: 2026-10-04 rates; accessed 2026-10-06; offer ends 2027-01-13 Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Bank of America Bank of America 2/3/4 RULE-015 Permalink Open checker | Applicants report two approvals in two months, three in 12 months and four in 24 months. These unpublished limits have exceptions. | Application or bonus: application | Cards and exceptionsBank of America consumer-card approvals, using rolling calendar-month windows. | Evidence: Applicant reports | doctorofcredit.com — New Bank of America ‘2/3/4 Rule’ for Credit Card Approvals [Confirmed] - Doctor Of CreditSource date note: Accessed 2026-10-06 UTC; published/updated 2017-10-04 Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Bank of America Bank of America company bonus limit RULE-016 Permalink Open checker | 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. | Application or bonus: bonus | Cards and exceptionsBusiness Advantage Unlimited Cash Rewards; the same company and account conversions. | Evidence: Unverified support | secure.bankofamerica.com — Source title unavailablesecure.bankofamerica.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; disclosures accurate 10/2026; rates 2026-09-30 The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Bank of America Bank of America 3/12 and 7/12 RULE-017 Permalink Open checker | Applicant reports describe different recent-account screens depending on a Bank of America deposit relationship. These are not firm approval dates. | Application or bonus: advisory | Cards and exceptionsRecent accounts across issuers and the applicant’s deposit relationship. | Evidence: Applicant reports | doctorofcredit.com — Report: Bank of America ‘7/12 Rule’ & ‘3/12 Rule’ for New Cards - Doctor Of CreditSource date note: Accessed 2026-10-06 UTC; published 2019-09-24 Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Bank of America Bank of America recent product ownership RULE-018 Permalink Open checker | 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. | Application or bonus: application / bonus | Cards and exceptionsProducts 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. | Evidence: Issuer terms · Direct source | secure.bankofamerica.com — Product Disclosuresecure.bankofamerica.com — Product Disclosure Source date note: Accessed 2026-10-06 UTC; disclosure index as of 2026-09-30 Checked: 2026-10-06 secure.bankofamerica.com — Product Disclosuresecure.bankofamerica.com — Product Disclosure Source date note: Accessed 2026-10-06 UTC; disclosure index as of 2026-09-30 Checked: 2026-10-06 secure.bankofamerica.com — Source title unavailablesecure.bankofamerica.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; rates dated 2026-09-30; current Premium Rewards disclosure The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 secure.bankofamerica.com — Source title unavailablesecure.bankofamerica.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; rates dated 2026-09-30; current Unlimited Cash Rewards disclosure The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 secure.bankofamerica.com — Source title unavailablesecure.bankofamerica.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; rates dated 2026-09-30; current Atmos Ascent disclosure The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 secure.bankofamerica.com — Source title unavailablesecure.bankofamerica.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; rates dated 2026-09-30; Elite disclosure lacks the 24-month clause The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 secure.bankofamerica.com — Source title unavailablesecure.bankofamerica.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; rates dated 2026-09-30; Summit disclosure lacks the 24-month clause The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Bank of America Bank of America business-entity history RULE-079 Permalink Open checker | 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. | Application or bonus: application | Cards and exceptionsThe same business entity’s current or recently held business accounts. | Evidence: Unverified support | business.bankofamerica.com — Business Advantage Unlimited Cash Rewards Mastercard® Credit Cardbusiness.bankofamerica.com — Business Advantage Unlimited Cash Rewards Mastercard® Credit Card Source date note: Accessed 2026-10-06 UTC; undated live page Checked: 2026-10-06 secure.bankofamerica.com — Source title unavailablesecure.bankofamerica.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; disclosures accurate 10/2026; rates 2026-09-30 The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 business.bankofamerica.com — Atmos™ Alaska Airlines Business Credit Card - Bank of Americabusiness.bankofamerica.com — Atmos™ Alaska Airlines Business Credit Card - Bank of America Source date note: Accessed 2026-10-06 UTC; undated current product page; campaign4080500/CX Checked: 2026-10-06 secure.bankofamerica.com — Source title unavailablesecure.bankofamerica.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; disclosures accurate10/2026; rates dated2026-09-30 The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Barclays Barclays fee-payment bonus conditions RULE-019 Permalink Open checker | 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. | Application or bonus: bonus | Cards and exceptionsNamed JetBlue, Hawaiian Business and Wyndham offers. | Evidence: Issuer terms · Direct source | cards.barclaycardus.com — Source title unavailablecards.barclaycardus.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; undated live terms The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 cards.barclaycardus.com — Source title unavailablecards.barclaycardus.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; undated live terms The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 boh.com — Hawaiian Airlines® World Elite Business Mastercard® - Bank of Hawaiiboh.com — Hawaiian Airlines® World Elite Business Mastercard® - Bank of Hawaii Source date note: Accessed 2026-10-06 UTC; undated live terms Checked: 2026-10-06 barclaycardus.com — Source title unavailablebarclaycardus.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; Plus rates as of 2026-09-30 The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 barclaycardus.com — Source title unavailablebarclaycardus.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; base Earner rates as of 2026-09-30 The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 barclaycardus.com — Source title unavailablebarclaycardus.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; Business rates as of 2026-09-30 The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Barclays Barclays prior-card welcome offers RULE-020 Permalink Open checker | Earlier card ownership can restrict a welcome offer. A fixed waiting period alone does not establish repeat-bonus eligibility. | Application or bonus: bonus | Cards and exceptionsThe named card or program, including first-time-holder Wyndham offers. | Evidence: Issuer terms · Direct source | cards.barclaycardus.com — Source title unavailablecards.barclaycardus.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; undated live terms The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 boh.com — Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Bank of Hawaiiboh.com — Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Bank of Hawaii Source date note: Accessed2026-10-06 UTC; undated live page; offer footnotes1-2 and Barclays issuer disclosure Checked: 2026-10-06 barclaycardus.com — Source title unavailablebarclaycardus.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; Plus rates as of 2026-09-30 The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 barclaycardus.com — Source title unavailablebarclaycardus.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; base Earner rates as of 2026-09-30 The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 barclaycardus.com — Source title unavailablebarclaycardus.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; Business rates as of 2026-09-30 The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Barclays Barclays 6/24 reports RULE-021 Permalink Open checker | Applicants report sensitivity to six or more cards in 24 months, with exceptions. This evidence does not establish a universal waiting period. | Application or bonus: advisory | Cards and exceptionsRecently opened card accounts across issuers. | Evidence: Applicant reports | doctorofcredit.com — No, Barclaycard Hasn’t Introduced A New 24 Month Rule - Doctor Of Creditdoctorofcredit.com — No, Barclaycard Hasn’t Introduced A New 24 Month Rule - Doctor Of Credit Source date note: Accessed 2026-10-06 UTC; published 2017-08-12 Checked: 2026-10-06 reddit.com — Barclays 6/24 not still a rule? : r/CreditCardsreddit.com — Barclays 6/24 not still a rule? : r/CreditCards Source date note: Accessed 2026-10-06 UTC; 2026 applicant reports; live search Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Barclays Wyndham hotel-spending bonus tier RULE-022 Permalink Open checker | A separate Wyndham bonus tier requires eligible Hotels by Wyndham purchases within its own deadline. Ordinary purchases cannot replace that category requirement. Terms apply. | Application or bonus: bonus | Cards and exceptionsBase, Plus and Business offers with a hotel-specific second tier. | Evidence: Issuer terms · Direct source | wyndhamrewardscreditcard.com — Wyndham Rewards Earner Cardwyndhamrewardscreditcard.com — Wyndham Rewards Earner Card Source date note: Accessed 2026-10-06 UTC; undated live page Checked: 2026-10-06 wyndhamrewardscreditcard.com — Wyndham Rewards Earner Plus Cardwyndhamrewardscreditcard.com — Wyndham Rewards Earner Plus Card Source date note: Accessed 2026-10-06 UTC; undated live page Checked: 2026-10-06 wyndhamrewardscreditcard.com — Wyndham Rewards Earner Business Cardwyndhamrewardscreditcard.com — Wyndham Rewards Earner Business Card Source date note: Accessed 2026-10-06 UTC; undated live page Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Barclays Hawaiian personal bonus tiers RULE-080 Permalink Open checker | 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. | Application or bonus: bonus | Cards and exceptionsThe cited offer’s two purchase thresholds and separate deadlines. | Evidence: Issuer terms · Direct source | boh.com — Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Bank of Hawaiiboh.com — Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® - Bank of Hawaii Source date note: Accessed2026-10-06 UTC; undated current offer page Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Barclays / US Bank Barclays and U.S. Bank inquiries RULE-082 Permalink Open checker | 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. | Application or bonus: advisory | Cards and exceptionsRecent inquiries on the particular report checked by the issuer. | Evidence: Unverified support | doctorofcredit.com — Which Credit Bureau Does Each Card Issuer Pull? - Doctor Of Creditdoctorofcredit.com — Which Credit Bureau Does Each Card Issuer Pull? - Doctor Of Credit Source date note: Accessed 2026-10-06 UTC; maintained tracker Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Business-card issuers Business applicant requirements RULE-083 Permalink Open checker | Business-card eligibility requires a qualifying business and an authorized applicant. Eligible sole proprietors may apply. | Application or bonus: application | Cards and exceptionsA qualifying business and an applicant authorized to act for it. | Evidence: Issuer terms · Direct source | americanexpress.com — Marriott Bonvoy Business American Express Card | Business Credit Card Application - Terms, Conditions & DisclosuresSource date note: Accessed 2026-10-06 UTC; rates 2026-09-24; offer ends 2026-11-04 Checked: 2026-10-06 usbank.com — Triple Cash Rewards Visa® Business Credit Card | U.S. Bankusbank.com — Triple Cash Rewards Visa® Business Credit Card | U.S. Bank Source date note: Accessed 2026-10-06 UTC; undated live page Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Capital One Capital One business reporting RULE-023 Permalink Open checker | Capital One business products have different personal-reporting treatment. Confirm the actual product version and credit report before including it in Chase 5/24. | Application or bonus: application | Cards and exceptionsBusiness accounts, including older Spark Miles and newer Venture Business versions. | Evidence: Issuer terms · Direct source | capitalone.com — Do Capital One Business Cards Report to Personal Credit?capitalone.com — Do Capital One Business Cards Report to Personal Credit? Source date note: published 2026-09-03; accessed 2026-10-06 UTC; Published 2026-09-03; routine reporting for Venture Business rechecked 2026-10-07 UTC. Checked: 2026-10-07 doctorofcredit.com — All You Need to Know about Credit Reporting on Business Cards - Doctor Of CreditSource date note: 2026-10-06 retrieved UTC; indexed crawl 2 days earlier; tracker publication/update date not shown Checked: 2026-10-06 doctorofcredit.com — Capital One Venture Business Card Will Not Report To Personal Credit Bureaus - Doctor Of CreditSource date note: 2026-04-15 published; 2026-10-06 retrieved UTC Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Capital One Capital One business welcome offers RULE-024 Permalink Open checker | Capital One business offers may exclude current or previous business cardholders. Confirm the selected offer before counting a bonus. | Application or bonus: bonus | Cards and exceptionsCurrent or earlier Capital One business-card ownership. | Evidence: Issuer terms · Direct source | capitalone.com — Venture X Business Card - Earn 2X Travel Miles | Capital Onecapitalone.com — Venture X Business Card - Earn 2X Travel Miles | Capital One Source date note: 2026-10-06 retrieved UTC; undated live offer Checked: 2026-10-06 capitalone.com — Spark Cash Plus | 2% Cash Back Business Card | Capital Onecapitalone.com — Spark Cash Plus | 2% Cash Back Business Card | Capital One Source date note: 2026-10-06 retrieved UTC; undated live offer Checked: 2026-10-06 capitalone.com — Travel Rewards Business Credit Cards | Capital Onecapitalone.com — Travel Rewards Business Credit Cards | Capital One Source date note: 2026-10-06 retrieved UTC; undated live offer Checked: 2026-10-06 capitalone.com — Compare Cash Back Business Credit Cards From Capital Onecapitalone.com — Compare Cash Back Business Credit Cards From Capital One Source date note: 2026-10-06 retrieved UTC; undated live offer Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Capital One Capital One business charge holdings RULE-025 Permalink Open checker | Applicant reports indicate that holding one of these business charge cards may affect an application for the other. | Application or bonus: application | Cards and exceptionsVenture X Business and Spark Cash Plus. | Evidence: Applicant reports | frequentmiler.com — Complete Guide to Credit Card Application Rules by Bankfrequentmiler.com — Complete Guide to Credit Card Application Rules by Bank Source date note: 2026-02-24 publication label; 2026-10-06 live retrieved UTC Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Capital One Venture family 48-month bonus history RULE-026 Permalink Open checker | 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. | Application or bonus: bonus | Cards and exceptionsVenture, Venture X and VentureOne; the prior bonuses named by each offer. Named products: Venture X; Venture Rewards; VentureOne Rewards. | Evidence: Issuer terms · Direct source | capitalone.com — Capital One Credit Cardscapitalone.com — Capital One Credit Cards Source date note: 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. Checked: 2026-10-07 capitalone.com — Venture Rewards Travel Card — Apply Today | Capital Onecapitalone.com — Venture Rewards Travel Card — Apply Today | Capital One Source date note: 2026-10-06 retrieved UTC; undated live offer Checked: 2026-10-06 capitalone.com — VentureOne - Miles Rewards with No Annual Fee | Capital Onecapitalone.com — VentureOne - Miles Rewards with No Annual Fee | Capital One Source date note: 2026-10-06 retrieved UTC; undated live offer Checked: 2026-10-06 doctorofcredit.com — Capital One Venture Family Rule (48 Months) - Doctor Of Creditdoctorofcredit.com — Capital One Venture Family Rule (48 Months) - Doctor Of Credit Source date note: 2025-10-29 issuer clarification published; 2026-10-06 retrieved UTC Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Capital One Savor and Quicksilver bonus history RULE-027 Permalink Open checker | Current offers exclude certain same-product bonuses earned in the preceding 48 months. A renamed or converted card needs an offer-specific review. | Application or bonus: bonus | Cards and exceptionsThe same product’s new-cardmember bonus, including renamed or converted accounts. Named products: Savor Cash Rewards; SavorOne Cash Rewards; Quicksilver Cash Rewards. | Evidence: Issuer terms · Direct source | capitalone.com — Capital One Credit Cardscapitalone.com — Capital One Credit Cards Source date note: 2026-10-06 retrieved UTC; undated live offer Checked: 2026-10-06 capitalone.com — Savor Dining & Entertainment Credit Card | Capital Onecapitalone.com — Savor Dining & Entertainment Credit Card | Capital One Source date note: 2026-10-06 retrieved UTC; undated live offer Checked: 2026-10-06 capitalone.com — Quicksilver Cash Back Rewards Card | Capital Onecapitalone.com — Quicksilver Cash Back Rewards Card | Capital One Source date note: 2026-10-06 retrieved UTC; undated live offer Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Capital One Capital One secured funding RULE-028 Permalink Open checker | The assigned deposit must be funded within 35 days of approval to open the account. The issuer sets the required deposit; terms apply. | Application or bonus: application | Cards and exceptionsApproval and deposit funding for Secured Platinum. | Evidence: Issuer terms · Direct source | capitalone.com — Source title unavailablecapitalone.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; undated live page The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Capital One Capital One recent-application screens RULE-084 Permalink Open checker | 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. | Application or bonus: advisory | Cards and exceptionsOffer-specific recent approvals and multiple applications within 30 days. | Evidence: Issuer terms · Direct source | capitalone.com — Get Pre-Approved for a Capital One Credit Card | Capital Onecapitalone.com — Get Pre-Approved for a Capital One Credit Card | Capital One Source date note: 2026-10-06 retrieved via public search index; crawled 3 days earlier; FAQ undated Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Capital One Capital One planning interval RULE-085 Permalink Open checker | 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. | Application or bonus: advisory | Cards and exceptionsReported six-month spacing caution; separate from issuer restrictions. | Evidence: Applicant reports | capitalone.com — How Many Capital One Cards Can You Have? | Capital Onecapitalone.com — How Many Capital One Cards Can You Have? | Capital One Source date note: 2026-08-18 published; 2026-10-06 retrieved UTC Checked: 2026-10-06 reddit.com — Approved for Venture w/ Full SUB Less Than 3 Months After Savor : r/CapitalOne_reddit.com — Approved for Venture w/ Full SUB Less Than 3 Months After Savor : r/CapitalOne_ Source date note: 2026-05-08 applicant report; 2026-10-06 retrieved UTC Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Capital One Capital One bureau checks RULE-086 Permalink Open checker | Capital One often checks all three bureaus. A hard inquiry can appear on each report, though the actual checks can vary. | Application or bonus: advisory | Cards and exceptionsSeparate credit reports that may be checked for one application. | Evidence: Applicant reports | frequentmiler.com — Capital One Venture X Rewards Cardfrequentmiler.com — Capital One Venture X Rewards Card Source date note: 2026-10-06 retrieved UTC; indexed crawl 3 weeks earlier; other velocity/cap statements on this page are stale Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Capital One Capital One account limits RULE-087 Permalink Open checker | The cited evidence does not establish a dependable universal two-personal-card limit. Check offer-specific account conditions. | Application or bonus: advisory | Cards and exceptionsThe specific product and offer, rather than a general two-card maximum. | Evidence: Applicant reports | capitalone.com — How Many Capital One Cards Can You Have? | Capital Onecapitalone.com — How Many Capital One Cards Can You Have? | Capital One Source date note: 2026-08-18 published; 2026-10-06 retrieved UTC Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Chase Chase 2/30 RULE-029 Permalink Open checker | Applicants report roughly two Chase cards in 30 days, usually no more than one business card. Additional applications may be declined. | Application or bonus: application | Cards and exceptionsRecent Chase applications; personal and business pacing differ. | Evidence: Applicant reports | frequentmiler.com — How to apply for Chase Ink® & Sapphire® Business cardsfrequentmiler.com — How to apply for Chase Ink® & Sapphire® Business cards Source date note: 2026-10-06 retrieved; published 2026-06-19 Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Chase Aeroplan ownership and bonus history RULE-031 Permalink Open checker | The cited Aeroplan offer excludes current holders of the named card or previous versions and welcome bonuses received within 24 months. | Application or bonus: application / bonus | Cards and exceptionsCurrent Aeroplan accounts, prior versions and Aeroplan welcome bonuses. Named products: Aeroplan. | Evidence: Issuer terms · Direct source | creditcards.chase.com — Air Canada Aeroplan® Card | Chase.comcreditcards.chase.com — Air Canada Aeroplan® Card | Chase.com Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Chase British Airways bonus history RULE-033 Permalink Open checker | The cited offer excludes current holders and welcome bonuses received on this card within 24 months. | Application or bonus: application / bonus | Cards and exceptionsCurrent British Airways card ownership and same-card welcome bonuses. Named products: British Airways Visa Signature. | Evidence: Issuer terms · Direct source | creditcards.chase.com — British Airways Credit Card | Travel | Rewards | Chasecreditcards.chase.com — British Airways Credit Card | Travel | Rewards | Chase Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Chase Freedom welcome-bonus history RULE-034 Permalink Open checker | 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. | Application or bonus: application / bonus | Cards and exceptionsThe selected Freedom product’s ownership and bonus receipts. Named products: Freedom Flex; Freedom Unlimited. | Evidence: Issuer terms · Direct source | creditcards.chase.com — Chase Freedom Flex Credit Card | Chase.comcreditcards.chase.com — Chase Freedom Flex Credit Card | Chase.com Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 creditcards.chase.com — Chase Freedom Unlimited Credit Card | Chase.comcreditcards.chase.com — Chase Freedom Unlimited Credit Card | Chase.com Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Chase IHG Business employee-card tier RULE-035 Permalink Open checker | The extra tier requires an employee card within three months and retention through bonus fulfillment. Purchase spending alone does not satisfy it; terms apply. | Application or bonus: bonus | Cards and exceptionsThe additional employee-card bonus tier. | Evidence: Issuer terms · Direct source | creditcards.chase.com — IHG One Rewards Business Credit Card | Chase.comcreditcards.chase.com — IHG One Rewards Business Credit Card | Chase.com Source date note: Accessed 2026-10-06 UTC; undated live terms Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Chase Personal IHG welcome offers RULE-036 Permalink Open checker | The cited personal offer excludes current personal IHG cardholders and personal IHG welcome bonuses received within 24 months. | Application or bonus: application / bonus | Cards and exceptionsPersonal IHG cards and personal IHG welcome bonuses; business assessed separately. Named products: IHG One Rewards Premier; IHG One Rewards Credit Card. | Evidence: Issuer terms · Direct source | creditcards.chase.com — IHG One Rewards Premier Credit Card | Chasecreditcards.chase.com — IHG One Rewards Premier Credit Card | Chase Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 creditcards.chase.com — IHG One Rewards Credit Card | Chase.comcreditcards.chase.com — IHG One Rewards Credit Card | Chase.com Source date note: 2026-10-06 retrieved; redirects to /one-rewards; publication date not stated Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Chase Ink no-fee welcome-offer history RULE-037 Permalink Open checker | Chase may withhold the welcome offer because of earlier no-fee business-card ownership. Confirm the offer rather than assuming eligibility. | Application or bonus: bonus | Cards and exceptionsPrior ownership of the named card or another no-fee Chase for Business card. Named products: Ink Business Cash; Ink Business Unlimited. | Evidence: Issuer terms · Direct source | creditcards.chase.com — Ink Business Cash Credit Card: Cash Back | Chasecreditcards.chase.com — Ink Business Cash Credit Card: Cash Back | Chase Source date note: 2026-10-06 retrieved; publication date not displayed Checked: 2026-10-06 creditcards.chase.com — Ink Business Unlimited Credit Card: Cash Back | Chasecreditcards.chase.com — Ink Business Unlimited Credit Card: Cash Back | Chase Source date note: 2026-10-06 retrieved; publication date not displayed Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Chase Chase business prior ownership RULE-039 Permalink Open checker | Chase may withhold this business welcome offer from someone who held the same card before. Read the exact offer. | Application or bonus: bonus | Cards and exceptionsPrior ownership of the specific business card. Named products: Ink Business Preferred; Ink Business Premier; Sapphire Reserve for Business. | Evidence: Issuer terms · Direct source | creditcards.chase.com — Chase Ink Business Preferred Credit Card | Chase.comcreditcards.chase.com — Chase Ink Business Preferred Credit Card | Chase.com Source date note: 2026-10-06 retrieved; publication date not displayed Checked: 2026-10-06 creditcards.chase.com — Compare Business Credit Cards | Chase.comcreditcards.chase.com — Compare Business Credit Cards | Chase.com Source date note: 2026-10-06 retrieved via live search; publication date not displayed Checked: 2026-10-06 creditcards.chase.com — Sapphire Reserve for Business Credit Card | Chase.comcreditcards.chase.com — Sapphire Reserve for Business Credit Card | Chase.com Source date note: 2026-10-06 retrieved via live search; publication date not displayed Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Chase Chase Marriott cross-issuer history RULE-040 Permalink Open checker | 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. | Application or bonus: bonus | Cards and exceptionsNamed 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. | Evidence: Issuer terms · Direct source | creditcards.chase.com — Marriott Bonvoy Bold: Hotel and Travel Credit Card | Chase.comcreditcards.chase.com — Marriott Bonvoy Bold: Hotel and Travel Credit Card | Chase.com Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 creditcards.chase.com — Marriott Bonvoy Boundless: Travel Credit Card | Chase.comcreditcards.chase.com — Marriott Bonvoy Boundless: Travel Credit Card | Chase.com Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Chase Bold and Boundless offer history RULE-041 Permalink Open checker | Bold and Boundless offers have product-specific ownership and bonus conditions. Holding Marriott cards from both banks is not a universal exclusion. | Application or bonus: application / bonus | Cards and exceptionsNamed Chase Marriott cards currently held and recent welcome bonuses. Named products: Marriott Bonvoy Bold; Marriott Bonvoy Boundless. | Evidence: Issuer terms · Direct source | creditcards.chase.com — Marriott Bonvoy Bold: Hotel and Travel Credit Card | Chase.comcreditcards.chase.com — Marriott Bonvoy Bold: Hotel and Travel Credit Card | Chase.com Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 creditcards.chase.com — Marriott Bonvoy Boundless: Travel Credit Card | Chase.comcreditcards.chase.com — Marriott Bonvoy Boundless: Travel Credit Card | Chase.com Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 creditcards.chase.com — Marriott Bonvoy Bountiful Travel Credit Card | Chasecreditcards.chase.com — Marriott Bonvoy Bountiful Travel Credit Card | Chase Source date note: undated current offer; accessed 2026-10-06 UTC Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Chase Chase sole-proprietor 3/24 reports RULE-042 Permalink Open checker | Recent reports describe a possible stricter 3/24 screen for sole proprietors. Reports conflict and Chase has not published a universal rule. | Application or bonus: advisory | Cards and exceptionsSole-proprietor Chase business applications. | Evidence: Applicant reports | doctorofcredit.com — Has Chase Changed The 5/24 Rule For Sole Props? (3/24 For Sole Props)doctorofcredit.com — Has Chase Changed The 5/24 Rule For Sole Props? (3/24 For Sole Props) Source date note: 2026-10-06 retrieved via live search; published 2026-09-17 Checked: 2026-10-06 frequentmiler.com — Chase might have a new 3/24 for business cards for sole proprietors (but possibly only Ink cards)Source date note: 2026-10-06 retrieved; published 2026-09-23 Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Chase Sapphire welcome-offer history RULE-043 Permalink Open checker | Chase may withhold a Sapphire bonus because of earlier ownership or bonus history. No dependable fixed reset period is published. | Application or bonus: bonus | Cards and exceptionsPrior ownership and bonuses on the particular Sapphire card. Named products: Sapphire Preferred; Sapphire Reserve. | Evidence: Issuer terms · Direct source | creditcards.chase.com — Chase Sapphire Preferred Credit Card | Chase.comcreditcards.chase.com — Chase Sapphire Preferred Credit Card | Chase.com Source date note: 2026-10-06 retrieved; publication date not displayed Checked: 2026-10-06 creditcards.chase.com — Chase Sapphire Reserve Credit Card | Chase.comcreditcards.chase.com — Chase Sapphire Reserve Credit Card | Chase.com Source date note: 2026-10-06 retrieved; publication date not displayed Checked: 2026-10-06 doctorofcredit.com — What Does Chase Consider A Lifetime (When Are You Eligible For Another Bonus)?doctorofcredit.com — What Does Chase Consider A Lifetime (When Are You Eligible For Another Bonus)? Source date note: 2026-10-06 retrieved; published 2026-07-27 Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Chase Sapphire product-change history RULE-044 Permalink Open checker | Having held the selected Sapphire product through a conversion can matter to its welcome offer, as can an earlier bonus. | Application or bonus: bonus | Cards and exceptionsThe specific Sapphire card, including ownership after a product change. Named products: Sapphire Preferred; Sapphire Reserve. | Evidence: Issuer terms · Direct source | creditcards.chase.com — Chase Sapphire Preferred Credit Card | Chase.comcreditcards.chase.com — Chase Sapphire Preferred Credit Card | Chase.com Source date note: 2026-10-06 retrieved; publication date not displayed Checked: 2026-10-06 creditcards.chase.com — Chase Sapphire Reserve Credit Card | Chase.comcreditcards.chase.com — Chase Sapphire Reserve Credit Card | Chase.com Source date note: 2026-10-06 retrieved; publication date not displayed Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Chase Southwest Performance Business offers RULE-045 Permalink Open checker | The cited business offer excludes current holders and recent same-card bonus recipients. Personal Southwest bonus history has a separate scope. | Application or bonus: application / bonus | Cards and exceptionsCurrent Performance Business ownership and its recent welcome bonus. Named products: Southwest Rapid Rewards Performance Business. | Evidence: Issuer terms · Direct source | creditcards.chase.com — Southwest Rapid Rewards Performance Business Credit Card | Chasecreditcards.chase.com — Southwest Rapid Rewards Performance Business Credit Card | Chase Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Chase Personal Southwest offers RULE-046 Permalink Open checker | The cited offer excludes current personal Southwest cardholders and personal Southwest welcome bonuses within 24 months. Business offers are assessed separately. | Application or bonus: application / bonus | Cards and exceptionsPersonal Southwest cards and personal Southwest welcome bonuses. Named products: Southwest Rapid Rewards Plus; Southwest Rapid Rewards Premier; Southwest Rapid Rewards Priority. | Evidence: Issuer terms · Direct source | creditcards.chase.com — Southwest Rapid Rewards Priority Credit Card | Chasecreditcards.chase.com — Southwest Rapid Rewards Priority Credit Card | Chase Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 creditcards.chase.com — Southwest Rapid Rewards Plus Credit Card | Chasecreditcards.chase.com — Southwest Rapid Rewards Plus Credit Card | Chase Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 creditcards.chase.com — Southwest Rapid Rewards Premier Credit Card | Chasecreditcards.chase.com — Southwest Rapid Rewards Premier Credit Card | Chase Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Chase United Club welcome offers RULE-047 Permalink Open checker | 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. | Application or bonus: application / bonus | Cards and exceptionsAny United Club card currently held and Club-card welcome bonuses. Named products: United Club Card. | Evidence: Issuer terms · Direct source | creditcards.chase.com — United Club Credit Card | Chase.comcreditcards.chase.com — United Club Credit Card | Chase.com Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Chase United welcome-bonus history RULE-048 Permalink Open checker | A recent same-product United welcome bonus may restrict the offer. United Business employee-card terms also require a product-specific 24-month check. | Application or bonus: bonus | Cards and exceptionsThe named United card and its recent welcome bonus; business tier terms may differ. Named products: United Explorer; United Quest; United Gateway. | Evidence: Issuer terms · Direct source | creditcards.chase.com — United Explorer Credit Card | Chase.comcreditcards.chase.com — United Explorer Credit Card | Chase.com Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 creditcards.chase.com — United Quest Card | Chase.comcreditcards.chase.com — United Quest Card | Chase.com Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 creditcards.chase.com — United Gateway Card | Chase.comcreditcards.chase.com — United Gateway Card | Chase.com Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 creditcards.chase.com — United Business Credit Card: Airline Rewards | Chasecreditcards.chase.com — United Business Credit Card: Airline Rewards | Chase Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Chase Hyatt welcome-offer history RULE-049 Permalink Open checker | 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. | Application or bonus: application / bonus | Cards and exceptionsThe selected personal or business Hyatt card and its own bonus history. Named products: World of Hyatt; World of Hyatt Business. | Evidence: Issuer terms · Direct source | creditcards.chase.com — World of Hyatt Credit Card: Hotel Rewards | Chasecreditcards.chase.com — World of Hyatt Credit Card: Hotel Rewards | Chase Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 creditcards.chase.com — World of Hyatt Business Credit Card | Chase.comcreditcards.chase.com — World of Hyatt Business Credit Card | Chase.com Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Chase Chase 5/24 opening-count rule RULE-089 Permalink Open checker | Applicants report that Chase generally declines applications subject to 5/24 at five or more counted accounts. Being below five does not establish approval. | Application or bonus: application | Cards and exceptionsCounted card openings across issuers in the preceding 24 months. | Evidence: Applicant reports | frequentmiler.com — Chase 5/24 Rule: 2 Easy Ways to Count Your Statusfrequentmiler.com — Chase 5/24 Rule: 2 Easy Ways to Count Your Status Source date note: 2026-10-06 retrieved; published 2026-07-31 Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Chase Chase authorized users and closed cards RULE-090 Permalink Open checker | Applicant reports describe reporting authorized-user cards and recently closed cards as counting. Chase may review authorized-user treatment during reconsideration. | Application or bonus: application | Cards and exceptionsPersonal-reporting accounts, including authorized users and recent closed accounts. | Evidence: Applicant reports | doctorofcredit.com — Chase 5/24 Rule Explained In Detail - Everything You Need To Know (Updated For 2020) - Doctor Of CreditSource date note: 2026-10-06 retrieved; published 2019-05-24; guide title updated for 2020 Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Chase Chase business cards and 5/24 RULE-091 Permalink Open checker | Chase business applications can be subject to 5/24 even though the opened business account generally does not add to the personal count. | Application or bonus: application | Cards and exceptionsBeing subject to 5/24 and adding to its count are different questions. | Evidence: Applicant reports | frequentmiler.com — Best business card offers that don't add to 5/24frequentmiler.com — Best business card offers that don't add to 5/24 Source date note: 2026-10-06 retrieved; page continuously maintained, original publication date not used as current offer date Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Chase Current same-card ownership RULE-093 Permalink Open checker | 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. | Application or bonus: application | Cards and exceptionsNew-account offers that exclude current holders of the specific product. | Evidence: Issuer terms · Direct source | creditcards.chase.com — Chase Freedom Flex Credit Card | Chase.comcreditcards.chase.com — Chase Freedom Flex Credit Card | Chase.com Source date note: 2026-10-06 retrieved via live search; publication date not displayed Checked: 2026-10-06 creditcards.chase.com — United Explorer Credit Card | Chase.comcreditcards.chase.com — United Explorer Credit Card | Chase.com Source date note: 2026-10-06 retrieved via live search; publication date not displayed Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Chase Sapphire product changes RULE-095 Permalink Open checker | Chase describes upgrades subject to account history and credit-limit conditions. A product change does not earn Reserve’s new-card welcome bonus. | Application or bonus: application / bonus | Cards and exceptionsPreferred-to-Reserve upgrades and new-card welcome bonuses. | Evidence: Issuer terms · Direct source | chase.com — Upgrading from Chase Sapphire Preferred® to Sapphire Reserve® | Chasechase.com — Upgrading from Chase Sapphire Preferred® to Sapphire Reserve® | Chase Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 chase.com — Can You Upgrade a Credit Card & How to Do It | Chasechase.com — Can You Upgrade a Credit Card & How to Do It | Chase Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Chase Holding another Sapphire card RULE-096 Permalink Open checker | Holding the other Sapphire is not an automatic exclusion in the reviewed offer terms. Chase still determines welcome-offer eligibility. | Application or bonus: bonus | Cards and exceptionsThe current offer for the separately evaluated Sapphire product. | Evidence: Issuer terms · Direct source | creditcards.chase.com — Chase Sapphire Preferred Credit Card | Chase.comcreditcards.chase.com — Chase Sapphire Preferred Credit Card | Chase.com Source date note: 2026-10-06 retrieved; publication date not displayed Checked: 2026-10-06 creditcards.chase.com — Chase Sapphire Reserve Credit Card | Chase.comcreditcards.chase.com — Chase Sapphire Reserve Credit Card | Chase.com Source date note: 2026-10-06 retrieved; publication date not displayed Checked: 2026-10-06 chase.com — Upgrading from Chase Sapphire Preferred® to Sapphire Reserve® | Chasechase.com — Upgrading from Chase Sapphire Preferred® to Sapphire Reserve® | Chase Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Chase Chase bonus fulfillment and retention RULE-097 Permalink Open checker | Keep the account open and in good standing through fulfillment. The cited offers permit bonus recovery for closure before six months; terms apply. | Application or bonus: bonus | Cards and exceptionsOffers requiring an open account in good standing and specified retention. | Evidence: Issuer terms · Direct source | creditcards.chase.com — United Business Credit Card: Airline Rewards | Chasecreditcards.chase.com — United Business Credit Card: Airline Rewards | Chase Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 creditcards.chase.com — World of Hyatt Business Credit Card | Chase.comcreditcards.chase.com — World of Hyatt Business Credit Card | Chase.com Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 creditcards.chase.com — Marriott Bonvoy Bold: Hotel and Travel Credit Card | Chase.comcreditcards.chase.com — Marriott Bonvoy Bold: Hotel and Travel Credit Card | Chase.com Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Chase Chase application-spacing guidance RULE-107 Permalink Open checker | 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. | Application or bonus: advisory | Cards and exceptionsCommunity guidance on spacing Chase applications. | Evidence: Unverified support | reddit.com — Question Thread - April 24, 2026 : r/churningreddit.com — Question Thread - April 24, 2026 : r/churning Source date note: 2026-10-06 retrieved; thread 2026-04-24 Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Chase / Southwest Companion Pass posting year RULE-050 Permalink Open checker | Companion Pass qualification depends on qualifying points posting in the same year. Application dates alone cannot establish qualification. | Application or bonus: bonus | Cards and exceptionsEligible points posted to the same Rapid Rewards account in one calendar year. | Evidence: Issuer terms · Direct source | southwest.com — End of Year | Tier Qualifying Points | Southwest Airlinessouthwest.com — End of Year | Tier Qualifying Points | Southwest Airlines Source date note: 2026-10-06 retrieved; applies to 2026; publication date not stated Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Chase / Southwest Companion Pass qualifying points RULE-098 Permalink Open checker | 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. | Application or bonus: bonus | Cards and exceptionsQualifying points in one calendar year and the once-annual cardmember boost. | Evidence: Issuer terms · Direct source | southwest.com — End of Year | Tier Qualifying Points | Southwest Airlinessouthwest.com — End of Year | Tier Qualifying Points | Southwest Airlines Source date note: 2026-10-06 retrieved; applies to 2026; publication date not stated Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Chime Chime account and funding conditions RULE-051 Permalink Open checker | The card requires the relevant checking account and secured funds. The cited terms do not permit reopening a closed Chime Card. | Application or bonus: application | Cards and exceptionsChime Checking, secured funds and closed Chime Card accounts. | Evidence: Issuer terms · Direct source | chime.com — Chime Secured Credit Card | Chime Cardchime.com — Chime Secured Credit Card | Chime Card Source date note: Accessed 2026-10-06 UTC; undated live page Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Chime / OpenSky Cards without a hard credit check RULE-099 Permalink Open checker | The cited offers do not require a hard credit check. Opening an account can still affect rules based on new accounts. | Application or bonus: application | Cards and exceptionsThe cited Chime and OpenSky offers; account counting remains separate. | Evidence: Issuer terms · Direct source | chime.com — Chime Secured Credit Card | Chime Cardchime.com — Chime Secured Credit Card | Chime Card Source date note: Accessed 2026-10-06 UTC; undated live page Checked: 2026-10-06 openskycc.com — OpenSkySource date note: Accessed 2026-10-06 UTC; undated live page Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Citi Citi 8/65 RULE-052 Permalink Open checker | Applicants report eight-day spacing and no more than two Citi applications in 65 days. This is unpublished and exceptions occur. | Application or bonus: application | Cards and exceptionsCiti applications, including denials and pending applications. | Evidence: Applicant reports | doctorofcredit.com — [Update] Citi’s Application Rules Explained (8/65 rule) - Doctor Of Creditdoctorofcredit.com — [Update] Citi’s Application Rules Explained (8/65 rule) - Doctor Of Credit Source date note: 2026-10-06 retrieved UTC; article updated2023-11-03 Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Citi Citi product bonus lookback RULE-053 Permalink Open checker | The cited offer excludes a bonus within 48 months, including a qualifying bonus on the converted account. | Application or bonus: bonus | Cards and exceptionsSame-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. | Evidence: Issuer terms · Direct source | citi.com — Citi® / AAdvantage® Platinum Select® World Elite Mastercard® | Citi.comciti.com — Citi® / AAdvantage® Platinum Select® World Elite Mastercard® | Citi.com Source date note: 2026-10-06 (retrieved UTC; undated live offer) Checked: 2026-10-06 citi.com — Citi® / AAdvantage® Executive World Legend Mastercard® | Citi.comciti.com — Citi® / AAdvantage® Executive World Legend Mastercard® | Citi.com Source date note: 2026-10-06 (retrieved UTC; undated live offer) Checked: 2026-10-06 citi.com — Citi® / AAdvantage Business™ World Elite Mastercard® | Citi.comciti.com — Citi® / AAdvantage Business™ World Elite Mastercard® | Citi.com Source date note: 2026-10-06 (retrieved UTC; undated live offer) Checked: 2026-10-06 citi.com — American Airlines AAdvantage® MileUp℠ Card | Citi.comciti.com — American Airlines AAdvantage® MileUp℠ Card | Citi.com Source date note: 2026-10-06 (retrieved UTC; undated live offer) Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Citi Citi business application spacing RULE-054 Permalink Open checker | Applicants report a 90-day interval between business applications. The planner uses 95 days as a cautious planning buffer, not an issuer requirement. | Application or bonus: application | Cards and exceptionsCiti business applications; reported interval and planning buffer are distinct. | Evidence: Applicant reports | doctorofcredit.com — [Update] Citi’s Application Rules Explained (8/65 rule) - Doctor Of Creditdoctorofcredit.com — [Update] Citi’s Application Rules Explained (8/65 rule) - Doctor Of Credit Source date note: 2026-10-06 retrieved UTC; article updated2023-11-03 Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Citi Double Cash bonus lookback RULE-055 Permalink Open checker | The cited Double Cash offer applies a 48-month lookback to the named product and converted-account bonus history. | Application or bonus: bonus | Cards and exceptionsDouble Cash bonuses and qualifying converted-account bonuses. Named products: Double Cash. | Evidence: Issuer terms · Direct source | citi.com — Citi Double Cash® Credit Card | Citi.comciti.com — Citi Double Cash® Credit Card | Citi.com Source date note: 2026-10-06 (retrieved UTC; undated live offer) Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Citi Strata Elite prior ownership RULE-056 Permalink Open checker | The cited offer excludes current and previous Strata Elite holders. Other account-opening and usage history can also matter. | Application or bonus: bonus | Cards and exceptionsCurrent or earlier Strata Elite accounts. Named products: Strata Elite. | Evidence: Issuer terms · Direct source | citi.com — Citi Strata Elite℠ - Travel Credit Card | Citi.comciti.com — Citi Strata Elite℠ - Travel Credit Card | Citi.com Source date note: 2026-10-06 (retrieved UTC; undated live offer) Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Citi Premier and Strata Premier history RULE-057 Permalink Open checker | The cited offer excludes current or previous holders of the named Premier products. Citi may also consider other account history. | Application or bonus: bonus | Cards and exceptionsCurrent or earlier Citi Premier and Strata Premier accounts. Named products: Strata Premier. | Evidence: Issuer terms · Direct source | citi.com — Citi Strata Premier® - Travel Credit Card | Citi.comciti.com — Citi Strata Premier® - Travel Credit Card | Citi.com Source date note: 2026-10-06 (retrieved UTC; undated live offer) Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Citi Citi inquiry sensitivity RULE-100 Permalink Open checker | Applicants report Citi sensitivity to recent inquiries. No dependable universal inquiry cutoff is published. | Application or bonus: advisory | Cards and exceptionsRecent hard inquiries, including non-card loan inquiries. | Evidence: Applicant reports | frequentmiler.com — Citi® / AAdvantage Business™ World Elite Mastercard®frequentmiler.com — Citi® / AAdvantage Business™ World Elite Mastercard® Source date note: 2026-10-06 retrieved UTC; page update date not visible Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Citi Citi recent-inquiry reports RULE-101 Permalink Open checker | 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. | Application or bonus: application | Cards and exceptionsAnother bank’s recent inquiry on the report Citi checks. | Evidence: Applicant reports | frequentmiler.com — Possible Citi 5-day rule causing denials for "too many inquiries"frequentmiler.com — Possible Citi 5-day rule causing denials for "too many inquiries" Source date note: 2023-11-01 published;2026-10-06 retrieved UTC Checked: 2026-10-06 reddit.com — Citi business and personal card approval same day : r/CreditCardsreddit.com — Citi business and personal card approval same day : r/CreditCards Source date note: 2026-01-22 supporting comment;2026-10-06 retrieved UTC Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Citi Custom Cash historical availability RULE-108 Permalink Open checker | The reviewed product is closed to new applications. Existing accounts remain relevant, and a conversion should not be assumed available. | Application or bonus: availability | Cards and exceptionsCiti Custom Cash historical accounts and uncertain conversions. | Evidence: Issuer terms · Direct source | citi.com — Citi Custom Cash® Card | Citi.comciti.com — Citi Custom Cash® Card | Citi.com Source date note: 2026-10-06 (retrieved UTC; undated live offer) Checked: 2026-10-06 doctorofcredit.com — [No Longer Available] Citi Still Allowing Product Changes To Citi Custom Cash CardSource date note: 2026-05-29 published;2026-07-10 update;2026-10-06 retrieved UTC Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Discover / Capital One Historical Discover account limit RULE-058 Permalink Open checker | The historical terms used here describe a two-account maximum including existing Discover accounts. Current offer terms must be confirmed separately. | Application or bonus: application | Cards and exceptionsLegacy Discover terms; current applications remain unverified by this checker. | Evidence: Issuer terms · Secondary source | discovercard.com — Source title unavailablediscovercard.com — Source title unavailable; original URL retained Source date note: 2026-07-31 terms accuracy date; 2026-10-06 retrieved via public search index; crawled last month The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 doctorofcredit.com — How Many Discover Cards Can You Have? - Doctor Of Creditdoctorofcredit.com — How Many Discover Cards Can You Have? - Doctor Of Credit Source date note: 2019-09-24 published; 2026-10-06 retrieved UTC; legacy tracker Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Discover / Capital One Historical Discover second account RULE-059 Permalink Open checker | 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. | Application or bonus: application | Cards and exceptionsLegacy Discover first-account opening date; current applications require new terms. | Evidence: Issuer terms · Secondary source | discovercard.com — Source title unavailablediscovercard.com — Source title unavailable; original URL retained Source date note: 2026-07-31 terms accuracy date; 2026-10-06 retrieved via public search index; crawled last month The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Discover / Capital One Discover and Capital One bank identity RULE-102 Permalink Open checker | Discover is part of Capital One. A bank exclusion can cover both brands, but current product and application terms need a brand-specific check. | Application or bonus: availability | Cards and exceptionsBank-level exclusions and brand-specific current offer terms. | Evidence: Issuer terms · Direct source | capitalone.com — Capital One Credit Cardscapitalone.com — Capital One Credit Cards Source date note: 2026-10-06 retrieved UTC; undated live offer Checked: 2026-10-06 discover.com — Apply for a Credit Card Online from Discoverdiscover.com — Apply for a Credit Card Online from Discover Source date note: 2026-10-06 retrieved UTC; undated live offer Checked: 2026-10-06 discover.com — Discover it Cash Back Credit Card | Apply in Minutesdiscover.com — Discover it Cash Back Credit Card | Apply in Minutes Source date note: 2026-10-06 retrieved UTC; undated live offer Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Discover / Capital One Discover Secured product versions RULE-103 Permalink Open checker | The reviewed sources distinguish a newer secured offer from the historical Discover it Secured product. Historical checks do not establish current terms. | Application or bonus: availability | Cards and exceptionsCurrent and historical secured products; versions have separate terms. | Evidence: Issuer terms · Direct source | discover.com — Discover it Secured Cash Back Credit Card | Discoverdiscover.com — Discover it Secured Cash Back Credit Card | Discover Source date note: 2026-10-06 retrieved UTC; undated live offer Checked: 2026-10-06 discover.com — Apply for a Credit Card Online from Discoverdiscover.com — Apply for a Credit Card Online from Discover Source date note: 2026-10-06 retrieved UTC; undated live offer Checked: 2026-10-06 capitalone.com — Capital One Credit Cardscapitalone.com — Capital One Credit Cards Source date note: 2026-10-06 retrieved UTC; undated live offer Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| OpenSky / Capital Bank OpenSky applicant and account checks RULE-060 Permalink Open checker | 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. | Application or bonus: application | Cards and exceptionsCapital Bank holdings, prior relationship, identity and income. | Evidence: Issuer terms · Direct source | openskycc.com — OpenSkySource date note: Accessed 2026-10-06 UTC; undated live page Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Secured-card issuers Secured-card eligibility RULE-061 Permalink Open checker | A secured card can require a deposit and still be declined under the issuer’s eligibility conditions. Terms apply. | Application or bonus: application | Cards and exceptionsSecured-card deposits and issuer eligibility checks. | Evidence: Issuer terms · Direct source | capitalone.com — Source title unavailablecapitalone.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; undated live page The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 openskycc.com — OpenSkySource date note: Accessed 2026-10-06 UTC; undated live page Checked: 2026-10-06 chime.com — Chime Secured Credit Card | Chime Cardchime.com — Chime Secured Credit Card | Chime Card Source date note: Accessed 2026-10-06 UTC; undated live page Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| US Bank U.S. Bank five-year bonus history RULE-062 Permalink Open checker | The cited product offer excludes a new-account bonus received on that product within five years. Check the actual offer. | Application or bonus: bonus | Cards and exceptionsProducts whose offer includes a five-year same-product bonus exclusion. Named products: Altitude Go Visa Signature; Altitude Connect Visa Signature. | Evidence: Issuer terms · Direct source | usbank.com — U.S. Bank Altitude® Go Visa Credit Cardusbank.com — U.S. Bank Altitude® Go Visa Credit Card Source date note: Accessed 2026-10-06 UTC; undated live terms Checked: 2026-10-06 usbank.com — Premium Travel Credit Card | U.S. Bank Altitude® Connect Cardusbank.com — Premium Travel Credit Card | U.S. Bank Altitude® Connect Card Source date note: Accessed 2026-10-06 UTC; undated live terms Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| US Bank Business Leverage historical accounts RULE-063 Permalink Open checker | 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. | Application or bonus: availability | Cards and exceptionsU.S. Bank Business Leverage; historical accounts only. | Evidence: Secondary reporting | usbank.com — Source title unavailableusbank.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; live redirects to business catalog The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 usbank.com — Source title unavailableusbank.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; live redirects to business catalog The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 usbank.com — Business Credit Cards | U.S. Bankusbank.com — Business Credit Cards | U.S. Bank Source date note: Accessed 2026-10-06 UTC; undated live page Checked: 2026-10-06 frequentmiler.com — Wow: A new 5% office supply store card from U.S. Bank hits the marketfrequentmiler.com — Wow: A new 5% office supply store card from U.S. Bank hits the market Source date note: Accessed 2026-10-06 UTC; published 2026-09-29 Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| US Bank Cash+ one-time bonus history RULE-064 Permalink Open checker | The cited Cash+ bonus excludes the named previous accounts and upgrades. A product change does not establish a new bonus. | Application or bonus: bonus | Cards and exceptionsCurrent or previous Cash Rewards accounts and upgrades into Cash+. Named products: Cash+ Visa Signature. | Evidence: Issuer terms · Direct source | usbank.com — U.S. Bank Cash+ Visa Signature: Up to 5% Cash Back Rewardsusbank.com — U.S. Bank Cash+ Visa Signature: Up to 5% Cash Back Rewards Source date note: Accessed 2026-10-06 UTC; undated live terms Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| US Bank U.S. Bank owner-card spending RULE-065 Permalink Open checker | Qualifying spending must occur on the owner’s card. Employee-card purchases do not satisfy this bonus condition; terms apply. | Application or bonus: bonus | Cards and exceptionsThe named business offer’s account-owner purchases within 180 days. | Evidence: Issuer terms · Direct source | usbank.com — Triple Cash Rewards Visa® Business Credit Card | U.S. Bankusbank.com — Triple Cash Rewards Visa® Business Credit Card | U.S. Bank Source date note: Accessed 2026-10-06 UTC; undated live terms Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| US Bank U.S. Bank 5/12 reports RULE-104 Permalink Open checker | Recent accounts can affect U.S. Bank review. Reported thresholds differ; this evidence does not establish a universal waiting period. | Application or bonus: advisory | Cards and exceptionsRecent-account sensitivity, with varying thresholds and business scope. | Evidence: Applicant reports | frequentmiler.com — Complete Guide to Credit Card Application Rules by Bankfrequentmiler.com — Complete Guide to Credit Card Application Rules by Bank Source date note: Accessed 2026-10-06 UTC; displayed 2026-02-24 Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Wells Fargo Choice card ownership and openings RULE-066 Permalink Open checker | The cited terms may exclude applicants holding either Choice card or receiving the welcome offer after an opening within 15 months. | Application or bonus: application / bonus | Cards and exceptionsEither Wells Fargo Choice card; account holdings and opening dates. Named products: Choice Privileges Mastercard. | Evidence: Issuer terms · Direct source | creditcards.wellsfargo.com — Earn Up to 5X Points | Wells Fargo Choice Privileges® Cardcreditcards.wellsfargo.com — Earn Up to 5X Points | Wells Fargo Choice Privileges® Card Source date note: Accessed 2026-10-06 UTC; undated live terms Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Wells Fargo Wells Fargo four-month condition RULE-067 Permalink Open checker | 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. | Application or bonus: application | Cards and exceptionsNew Wells Fargo consumer-card openings, rather than every bank’s cards. | Evidence: Issuer terms · Direct source | wellsfargo.com — Source title unavailablewellsfargo.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; undated live terms The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 wellsfargo.com — Source title unavailablewellsfargo.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; undated live terms The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 wellsfargo.com — Source title unavailablewellsfargo.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; undated live terms The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Wells Fargo Wells Fargo introductory-offer history RULE-068 Permalink Open checker | 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. | Application or bonus: introductory offer | Cards and exceptionsThe same product currently held or opened within 48 months, including closed accounts. Named products: Active Cash Card; Autograph Visa; Autograph Journey Visa. | Evidence: Issuer terms · Direct source | wellsfargo.com — Source title unavailablewellsfargo.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; undated live terms The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 wellsfargo.com — Source title unavailablewellsfargo.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; undated live terms The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 wellsfargo.com — Source title unavailablewellsfargo.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; undated live terms The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Wells Fargo Wells Fargo recent-account reports RULE-105 Permalink Open checker | Applicant reports conflict on a fixed 24-month screen. This caution does not supply an application date or erase a separate dated condition. | Application or bonus: advisory | Cards and exceptionsRecent card openings across banks, separate from the four-month consumer condition. | Evidence: Applicant reports | reddit.com — Wells Fargo 5/24 Type Rule DP : r/CreditCardsreddit.com — Wells Fargo 5/24 Type Rule DP : r/CreditCards Source date note: Accessed 2026-10-06 UTC; 2025 applicant denial report Checked: 2026-10-06 reddit.com — Source title unavailablereddit.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; 2024 applicant reports The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| All issuers Rechecking a moved card RULE-001 Permalink Open checker | Changing a planned date requires account, application-timing and welcome-offer checks to run again. | Application or bonus: planning | Cards and exceptionsCards moved to another date in a plan. | Evidence: ApplyOrWait planning default | Background evidence for the condition; these sources do not publish this planning policy. doctorofcredit.com — [Update] Citi’s Application Rules Explained (8/65 rule) - Doctor Of Creditdoctorofcredit.com — [Update] Citi’s Application Rules Explained (8/65 rule) - Doctor Of Credit Source date note: Accessed 2026-10-06 UTC; updated 2023-11-03 Checked: 2026-10-06 doctorofcredit.com — New Bank of America ‘2/3/4 Rule’ for Credit Card Approvals [Confirmed] - Doctor Of CreditSource date note: Accessed 2026-10-06 UTC; published 2017-10-04 Checked: 2026-10-06 wellsfargo.com — Source title unavailablewellsfargo.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; undated live page The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| All issuers Checks for selected cards RULE-002 Permalink Open checker | A selected card remains subject to account, timing, bonus and offer-availability checks. A preference cannot override those checks. | Application or bonus: planning | Cards and exceptionsCards added or pinned to a plan. | Evidence: ApplyOrWait planning default | Background evidence for the condition; these sources do not publish this planning policy. wellsfargo.com — Source title unavailablewellsfargo.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; undated live page The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 capitalone.com — Source title unavailablecapitalone.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; undated live page The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| All issuers Credit-building account checks RULE-003 Permalink Open checker | Credit-building cards retain their issuer eligibility, account-history and funding checks before a planned opening. | Application or bonus: planning | Cards and exceptionsSecured and credit-building recommendations. | Evidence: ApplyOrWait planning default | Background evidence for the condition; these sources do not publish this planning policy. openskycc.com — OpenSkySource date note: Accessed 2026-10-06 UTC; undated live page Checked: 2026-10-06 chime.com — Chime Secured Credit Card | Chime Cardchime.com — Chime Secured Credit Card | Chime Card Source date note: Accessed 2026-10-06 UTC; undated live page Checked: 2026-10-06 capitalone.com — Source title unavailablecapitalone.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; undated live page The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| All issuers Bureau inquiry estimates RULE-069 Permalink Open checker | Inquiry estimates use possible bureaus rather than treating three reports as three inquiries on one report. Actual issuer checks can vary. | Application or bonus: planning | Cards and exceptionsPossible credit-report checks for a planned application. | Evidence: ApplyOrWait planning default | Background evidence for the condition; these sources do not publish this planning policy. doctorofcredit.com — Which Credit Bureau Does Each Card Issuer Pull? - Doctor Of Creditdoctorofcredit.com — Which Credit Bureau Does Each Card Issuer Pull? - Doctor Of Credit Source date note: Accessed 2026-10-06 UTC; maintained tracker; publication date not displayed Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| All issuers Credit-profile fit estimates RULE-070 Permalink Open checker | A fit estimate is a planning aid. It does not establish an issuer score cutoff; income, debts and other factors also matter. | Application or bonus: planning | Cards and exceptionsQualitative fit based on the entered profile. | Evidence: ApplyOrWait planning default | Background evidence for the condition; these sources do not publish this planning policy. capitalone.com — Source title unavailablecapitalone.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; undated live page The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| All issuers Fit and issuer decisions RULE-072 Permalink Open checker | Fit describes the information supplied to the planner. Approval and bonus eligibility remain subject to issuer review. | Application or bonus: planning | Cards and exceptionsPlanning estimates of fit and welcome-offer availability. | Evidence: ApplyOrWait planning default | Background evidence for the condition; these sources do not publish this planning policy. capitalone.com — Source title unavailablecapitalone.com — Source title unavailable; original URL retained Source date note: Accessed 2026-10-06 UTC; undated live page The source title could not be retrieved on 2026-10-07. A retained citation does not establish current support. Checked: 2026-10-06 creditcards.chase.com — Chase Sapphire Preferred Credit Card | Chase.comcreditcards.chase.com — Chase Sapphire Preferred Credit Card | Chase.com Source date note: Accessed 2026-10-06 UTC; undated live page Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Barclays Barclays planning interval RULE-081 Permalink Open checker | A six-month interval is a cautious planning preference. Exceptions are reported; it is not a universal issuer-required wait. | Application or bonus: planning | Cards and exceptionsOptional personal-card spacing based on applicant reports. | Evidence: ApplyOrWait planning default | Background evidence for the condition; these sources do not publish this planning policy. frequentmiler.com — Complete Guide to Credit Card Application Rules by Bankfrequentmiler.com — Complete Guide to Credit Card Application Rules by Bank Source date note: Accessed 2026-10-06 UTC; displayed 2026-02-24; explicitly personal with exceptions Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Capital One / Barclays Starting a spacing estimate RULE-088 Permalink Open checker | A spacing estimate uses the entered dates and calendar arithmetic. It does not shift the starting date into an earlier month. | Application or bonus: planning | Cards and exceptionsThe calculation date and actual previous application date. | Evidence: ApplyOrWait planning default | Background evidence for the condition; these sources do not publish this planning policy. capitalone.com — How Many Capital One Cards Can You Have? | Capital Onecapitalone.com — How Many Capital One Cards Can You Have? | Capital One Source date note: Accessed 2026-10-06 UTC; published 2026-08-18 Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Chase Chase checks for selected cards RULE-030 Permalink Open checker | A selected Chase card receives the same account-count and timing checks as other candidates. Selecting it does not reserve an approval. | Application or bonus: planning | Cards and exceptionsA Chase card added or pinned to a plan. | Evidence: ApplyOrWait planning default | Background evidence for the condition; these sources do not publish this planning policy. frequentmiler.com — Best business card offers that don't add to 5/24frequentmiler.com — Best business card offers that don't add to 5/24 Source date note: 2026-10-06 retrieved; continuously maintained page Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Chase Using the right bonus date RULE-032 Permalink Open checker | A waiting period uses the event named in the offer terms. An opening date cannot replace a required bonus-receipt or upgrade date. | Application or bonus: planning | Cards and exceptionsBonus lookbacks and any upgrade date named in the offer. | Evidence: ApplyOrWait planning default | Background evidence for the condition; these sources do not publish this planning policy. creditcards.chase.com — Marriott Bonvoy Boundless: Travel Credit Card | Chase.comcreditcards.chase.com — Marriott Bonvoy Boundless: Travel Credit Card | Chase.com Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Chase Confirming Chase business offers RULE-038 Permalink Open checker | Prior ownership can make a business welcome offer unavailable. The planner requires an offer-specific check before counting that bonus. | Application or bonus: planning | Cards and exceptionsPrevious ownership of a Chase business product and other business eligibility factors. | Evidence: ApplyOrWait planning default | Background evidence for the condition; these sources do not publish this planning policy. creditcards.chase.com — Chase Ink Business Preferred Credit Card | Chase.comcreditcards.chase.com — Chase Ink Business Preferred Credit Card | Chase.com Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 creditcards.chase.com — Sapphire Reserve for Business Credit Card | Chase.comcreditcards.chase.com — Sapphire Reserve for Business Credit Card | Chase.com Source date note: 2026-10-06 retrieved; publication date not stated Checked: 2026-10-06 | Record checked: 2026-10-07 Review history: 2026-10-06; 2026-10-07 |
| Chase Preserving a Chase slot RULE-092 Permalink Open checker | A qualifying nonreporting Chase business account may preserve room in the personal count. The applicant must still meet business and application conditions. | Application or bonus: planning | Cards and exceptionsOrdering eligible business and personal applications near the 5/24 threshold. | Evidence: ApplyOrWait planning default | Background evidence for the condition; these sources do not publish this planning policy. frequentmiler.com — How to apply for Chase Ink® & Sapphire® Business cardsfrequentmiler.com — How to apply for Chase Ink® & Sapphire® Business cards Source date note: 2026-10-06 retrieved; published 2026-06-19 Checked: 2026-10-06 frequentmiler.com — Chase 5/24 Rule: 2 Easy Ways to Count Your Statusfrequentmiler.com — Chase 5/24 Rule: 2 Easy Ways to Count Your Status Source date note: 2026-10-06 retrieved; published 2026-07-31 Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
| Chase Chase 5/24 drop-off dates RULE-094 Permalink Open checker | 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. | Application or bonus: planning | Cards and exceptionsThe calculator’s dated account-count method; reported issuer cutoffs differ. | Evidence: ApplyOrWait planning default | Background evidence for the condition; these sources do not publish this planning policy. frequentmiler.com — Chase 5/24 Rule: 2 Easy Ways to Count Your Statusfrequentmiler.com — Chase 5/24 Rule: 2 Easy Ways to Count Your Status Source date note: 2026-10-06 retrieved; published 2026-07-31 Checked: 2026-10-06 | Record checked: See each source’s check date; no separate record date |
Which check should you run with your history?
Use the dated account counter, issuer timing comparison or Amex approval-window checker for the relevant task. Previous ownership and bonus receipts remain separate events.
The ledger is a review snapshot rather than an issuer decision or live offer feed. Terms apply. Use the corrections page to report a mismatch and consult the dated change log for updates.