How to Combine Hard Inquiries Based on Different Card Issuer Rules (Chase, Amex, Citi, Bank of America)

We recently made a post about the most frequently asked questions about combining hard inquiries. This post will dive into each credit issuer since the policies can change at anytime. 

Credit issuers that can't/won't combine inquiries

  •  Barclays
  •  Citi
  • Discover

Barclays, Citi, and Discover are credit issuers that do not combine hard pulls. Based on their application rules, it's impossible to double dip applications.

Discover

You can only open one Discover card every 12 months. Learn more about Discover It rules in this post.

Citi

Citi has a 1/8 rule meaning you can only submit one application every eight days, and any additional applications will automatically be rejected.

Learn more about Citi rules in this post. 

Credit issuers that allow you to combine 2 cards

  • Bank of America
  • Chase
  • U.S. Bank

Bank of America

The maximum of cards you'll be able to apply for is two cards since they limit you to two cards in two months when you initially apply. The total number of Bank of America cards you can hold is five. 

Bank of America has a 2/3/4 rule:

  • Max of 2 Bank of America cards every 2 months
  • Max of 3 Bank of America cards every 12 months (1 year)
  • Max of 4 Bank of America cards every 24 months (2 years)

Learn more about Bank of America rules in this post. 

If you're someone looking for first class redemption, you can get two Alaska Airlines credit cards. On the other hand, if you're looking for cash back, consider the Bank of America Duo

Chase

Chase has an unofficial rule that you cannot get approved for more than two cards in 30 days, or else you'll automatically get rejected.

I don't recommend trying to combine hard pulls if you have less than one year of credit history, especially if you don't have a prior relationship with Chase.

On the other hand, I also wouldn't recommend trying to combine hard pulls if you have high credit limits with Chase because it looks like risky behavior.

U.S. Bank

U.S. Bank is more sensitive to new accounts and credit inquiries. Even though you could combine inquiries, I don't recommend doing it because it could potentially flag your account.

Credit issuers that let you combine multiple cards

  • American Express
  • Capital One
  • Wells Fargo

American Express

American Express lets you open one credit card every five days (1 in 5 rule), and you can only get approved for two credit cards every 90 days. 

This means that if you apply for more than 2 cards within the 90-day window, you'll automatically get rejected. 

One important note is that these rules apply to credit cards only, and not charge cards. If you already have an account with Amex and you get rejected, they'll only do a soft pull. 

Learn more about Amex application rules in this post. 



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.