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I wrote a few weeks ago about the current credit card churning rules and best practices for each bank, detailing each bank’s current policies for whether you are likely to get approved for a new card (and most importantly, whether you’ll get a(nother) signup bonus!). Here’s part of the section on Chase
Chase has been denying anyone who has 5 or more applications for credit cards within the past 24 months, from ANY bank. This applies for applications for the Chase-branded credit cards (such as Freedom, Sapphire or Ink). From the data points that we have, churners are still able to apply for Chase cards like the IHG or Hyatt cards.
The Chase 5/24 rule: which Chase cards are not eligible to churners
Defining credit card “churners” as those who have 5 or more credit card applications over the past 24 months from ANY bank, it looks like the Chase Freedom and Chase Sapphire Preferred are the cards that churners are currently locked out of. Which is a bummer, because both of those cards currently have improved signup bonuses
If you’re an Authorized User on a card, that DOES seem to count towards your limit of 5, though there have been some reports of people getting an exception if they have fewer than 5 applications excluding the cards on which they are an Authorized User
The wiki in the relevant Flyertalk thread is a great resource on this subject that is kept mostly up-to-date.
So what cards do NOT fall under the Chase 5/24 rule?
As I mentioned in the original post, you still can apply for and get the Chase co-branded airline and hotel cards. Reader Carl posted in a comment on the story about Marriott buying Starwood Hotels, referring to the Chase Marriott card
Sadly, I note that they are a co-brand of Chase and I am way past the “Chase 5 cards in 2 years sign-up punishment situation.” So I am not even gonna bother
I let him know that the Chase Marriott card was still open to us “churners” and a little while later, he emailed me back to let me know
WOOT!! You were right as rain! Used that link in your email and I am approved for the 70K Marriott card. Man, thanks for urging me to try the Chase thing after all
I had originally reported that the Chase Ink Plus and Chase Ink Cash cards were also blocked by the Chase 5/24 rule, and it appears at least anecdotally from this Flyertalk post that this is not the case – people with many accounts CAN still get the Chase Ink cards as well as the co-branded cards like the Chase IHG, Marriott, United, Hyatt, etc.
EDIT: While this was true at the time of this post, reports are now that the Chase Ink will fall under the Chase 5/24 rule in March 2016 and the Chase 5/24 rule will start applying to all Chase co-branded cards in April 2016.