Chase has an unwritten 5/24 rule that will automatically deny your application if you have opened more than 5 credit cards or charge cards from any credit issuer in the past 24 months. Until recently, there were a handful of cards that weren’t affected by the 5/24 rule.
According to some data points on Reddit, Chase has expanded the 5/24 rule to the British Airways Visa Signature® Card, The World Of Hyatt Credit Card, and the IHG® Rewards Club Premier Credit Card.
If you’re currently under 5/24, regardless of if you want the Chase Trifecta or not, I strongly recommend considering the World of Hyatt or IHG Rewards Club Premier credit cards. Both cards give you a free reward night on your cardmember anniversary.
The World Of Hyatt Credit Card
Welcome offer: 60,000 Hyatt points after $6,000 in spend
40,000 Hyatt points after $3,000 in spend within the first 3 months of account opening
20,000 Hyatt points after an additional $3,000 in spend within the first 6 months
1 Free night every card member anniversary to use at a Category 1-4 Hyatt hotel or resort
9X points for every $1 spent on Hyatt hotels
2X for dining/cafes/coffee shops
2X for airline tickets (directly w/ airlines)
2X for local transit/commuting/taxis/tolls/rideshare
2X for fitness/gym
1X for everything else
IHG® Rewards Club Premier Credit Card
Welcome offer: 80,000 bonus points, after $2,000 in spend within the first three months
Earn 10 points per $1 when you stay at IHG hotels
Earn 2 points per $1 spent at gas stations, grocery stores, and restaurants
1 Free anniversary night every year (up to 40k points)
Platinum Elite status
Fourth award night free
Save 20% on points purchases
$100 Global Entry or TSA PreCheck credit every four years
British Airways Visa Signature® Card
Welcome offer: up to 100,000 Avios
50,000 bonus Avios when you spend $3,000 in the first 3 months of account opening
Earn an additional 25,000 Avios after spending a total of $10,000 within the first year of account opening
Earn a further 25,000 Avios after spending a total of $20,000 within the first year of account opening
Earn 3 Avios per $1 spent on British Airways purchases
Earn 1 Avios per $1 spent on everything else
Spend more than $30,000 in one year and earn a Travel together ticket
No foreign transaction fees
Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain, vendors or companies, and have not been reviewed, approved, or otherwise endorsed by any of these entities.
UGC disclosure: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.