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Card application rules

Issuer application rules in one place: velocity limits, bonus eligibility, portfolio limits, and product changes, each with a calculator and sources.

Inclusion standard: only rules confirmed in issuer terms, or unpublished rules documented by at least two independent guides. Unverified rules are not listed.

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Chase

Chase 5/24 rule · Velocity
Chase 2/30 rule · Velocity
Chase Sapphire bonus eligibility · Bonus eligibility
Chase 24-month bonus rule · Bonus eligibility
Chase Ink bonus eligibility (lifetime-style) · Bonus eligibility
Chase Southwest family rule · Bonus eligibility
Chase IHG family rule · Bonus eligibility
Chase 3/24 reports for sole-proprietor business cards (reported) · Velocity

American Express

Amex once-per-lifetime welcome bonus rule · Bonus eligibility
Amex 1-in-5 rule · Velocity
Amex 2-in-90 rule · Velocity
Amex card limits (5 credit + 10 charge) · Portfolio limit
Amex bonus eligibility pop-up (pop-up jail) · Bonus eligibility
Amex Platinum / Gold / Green family rule · Bonus eligibility
Amex Delta family rule · Bonus eligibility
Amex Blue Cash family rule · Bonus eligibility

Citi

Citi 1-in-8 rule · Velocity
Citi 2-in-65 rule · Velocity
Citi 1-in-95 business rule · Velocity
Citi 48-month bonus rule · Bonus eligibility
Citi Strata lifetime bonus rule (since September 2026) · Bonus eligibility

Capital One

Capital One 1-in-6 rule · Velocity
Capital One 2-card limit (softening) · Portfolio limit
Capital One 48-month bonus rule (incl. Venture family) · Bonus eligibility

Bank of America

Bank of America 2/3/4 rule · Velocity
Bank of America 3/12 rule (7/12 with a deposit account) · Velocity
Bank of America 24-month bonus rule · Bonus eligibility

Barclays

Barclays 6/24 rule (soft) · Velocity
Barclays 24-month bonus rule (disputed window) · Bonus eligibility

Wells Fargo

Wells Fargo 1-in-6 rule · Velocity
Wells Fargo 48-month bonus rule · Bonus eligibility
Wells Fargo Choice Privileges 15-month rule · Bonus eligibility
Wells Fargo new-account sensitivity (5/24-like, reported) · Velocity

U.S. Bank

U.S. Bank new-account sensitivity (no published number) · Velocity
U.S. Bank Altitude Reserve relationship requirement · Bonus eligibility

Discover

Discover 12-month rule · Velocity
Discover 2-card limit · Portfolio limit

Bilt

Bilt one-card rule · Portfolio limit
Bilt welcome bonus rule (once across all Bilt cards) · Bonus eligibility

Cross-issuer

Marriott cross-issuer bonus rules · Bonus eligibility
Product changes do not earn welcome bonuses · Product change

Page updated: November 3, 2026

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