Chase 2/30 rule
Chase typically approves at most 2 personal cards in any rolling 30-day window, and at most 1 business card in the same window. Spacing business applications 60 to 90 days apart is the commonly reported safer pace.
Unpublished rule: the issuer does not publish this rule. It is documented by at least two independent guides below — treat it as a reported pattern, not a guarantee.
Key takeaways
Chase typically approves at most 2 personal cards in any rolling 30-day window, and at most 1 business card in the same window. Spacing business applications 60 to 90 days apart is the commonly reported safer pace.
Anyone applying for more than one Chase card in a short period, personal or business.
Who it applies to
Anyone applying for more than one Chase card in a short period, personal or business.
How to count
- List your Chase approvals (not applications) in the past 30 days.
- Personal cards and business cards are counted separately: 2 personal, 1 business.
- A declined application burns no slot; only approvals count.
- If you already have 2 personal approvals in 30 days, wait until the oldest one is more than 30 days old.
Calculator (estimate)
Add your approval dates below. The calculator counts how many fall inside the window and shows the earliest date a new slot opens.
This page is general information. Issuer rules change without notice, and actual approval is decided by the issuer's underwriting. Read the terms on the card you are applying for before you apply.FAQ
Can I apply for two Chase cards on the same day?
You can apply, but approvals are still capped: usually 2 personal cards per 30 days, and a third approval in the window is typically declined.
Does 2/30 replace 5/24?
No. Both apply at once: 2/30 paces your Chase approvals, while 5/24 looks at all new personal cards from every issuer in 24 months.
Sources
Non-issuer sources are secondary sources (independent guides). If a rule changes, the issuer's page governs. This page is general information. Issuer rules change without notice, and actual approval is decided by the issuer's underwriting. Read the terms on the card you are applying for before you apply. Page updated: November 3, 2026No bank login required