First 100 join freeJoin →

Skip to content

Credit card application rules checker

Banks don't publish them, but applicants report consistent limits on how often each issuer approves you. Chase 5/24 has its own calculator.

Reviewed by Alex Thomas · Updated Nov 5, 2026

You'd likely hit a limit with American Express, Capital One. The earliest clear date is listed for each bank.

Approval 1

Approval 2

Approval 3

Approval 4

American Express

Wait until Nov 30, 2026

1 card per 5 days0 of 1
2 credit cards per 90 days (charge cards don't count)2 of 2

Chase

Clear

2 personal cards per 30 days1 of 2
1 business card per 30 days0 of 1

Citi

Clear

1 card per 8 days0 of 1
2 cards per 65 days0 of 2
1 business card per 90 days0 of 1

Capital One

Wait until Dec 15, 2026

1 card per 6 months, personal and business together1 of 1

Bank of America

Clear

2 personal cards per 2 months0 of 2
3 personal cards per 12 months0 of 3
4 personal cards per 24 months0 of 4

Checked as of Nov 5, 2026

These limits come from applicant reports, not the banks. Banks can approve or deny outside them, and they also look at your income, credit history and inquiries.

Ask members who've been there

Questions

What is the Amex 2/90 rule?
Applicants report that American Express approves at most two credit cards in 90 days. Charge cards like Platinum and Gold don't seem to count toward it.
How often can I get a Capital One card?
Applicants report one Capital One card every six months, with personal and business cards sharing the same limit.
Do these rules count cards from other banks?
These count only that bank's own cards. Chase 5/24 is different: it counts personal cards from every bank.

Related guides and answers

Cards

US credit card for non-residents: how to get one with an ITIN

Which issuers take an ITIN instead of an SSN, the secured cards that approve you with no US history, and the two ways to bring your credit history from home.

Updated 6 min read

Read guide →
Credit

How to check your credit score with an ITIN

Equifax is the only bureau that takes an ITIN online. How to see your free Equifax score, get all three bureau reports in one place, and request the rest by mail.

Updated 5 min read

Read guide →

Other tools

Cards

Chase 5/24 calculator

List the cards you've opened and see your 5/24 count, which cards still count, and the date you drop back under Chase's unofficial limit.

You're at 4/24

Try it →
Cards

Credit card points value calculator

Enter the points and the cash price of a booking to see cents per point, and compare it with the cash-out value for Amex, Chase and Capital One.

1.49¢ per point

Try it →
Cards

Credit card transfer partners

Every airline and hotel partner for Chase Ultimate Rewards, Amex Membership Rewards, Capital One miles and Citi ThankYou points, with transfer ratios and how many miles you'd get.

37 airline and hotel programs

Try it →
Cards

Is the annual fee worth it?

Compare a rewards card with an annual fee against a no-fee cash back card: your spending, earn rate, point value and credits, and the spend where the fee pays off.

Breaks even at $9,000/yr

Try it →

Sources

  1. The Points Guy — Credit card application restrictionsthepointsguy.com
  2. AwardWallet — Application rules by issuerawardwallet.com

Join ITIN Club — it's free

Ask members who've already done it, follow the first-year course step by step, and message other members directly. No SSN needed.

Founding 100