Chase 24-month bonus rule
For most non-Sapphire Chase cards, you can earn a welcome bonus again only if you no longer hold the card and at least 24 months have passed since you last received a bonus on that card. The clock runs from the bonus posting date, not the approval date. Sapphire cards and some business cards follow their own rules instead.
Unpublished rule: the issuer does not publish this rule.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
For most non-Sapphire Chase cards, you can earn a welcome bonus again only if you no longer hold the card and at least 24 months have passed since you last received a bonus on that card. The clock runs from the bonus posting date, not the approval date. Sapphire cards and some business cards follow their own rules instead.
Repeat applicants for Chase cards outside the Sapphire family, including co-brand cards judged per card (for example, United cards restrict only on the same card).
Who it applies to
Repeat applicants for Chase cards outside the Sapphire family, including co-brand cards judged per card (for example, United cards restrict only on the same card).
How to count
- Find the date your last bonus on that exact card posted.
- Add 24 months: that is the earliest date a new bonus on the same card is possible.
- You must also no longer hold the card when you apply.
- Sapphire Preferred/Reserve and some business cards are exceptions; check their own pages.
Calculator (estimate)
Enter the date you received the bonus on that card. The calculator adds the waiting period.
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
Does closing the card restart the 24-month clock?
No. The clock runs from the last bonus posting date, not from when you closed the card. Closing matters only because you must not hold the card.
Does this rule apply to Sapphire cards?
No. Sapphire Preferred and Reserve now use their own once-per-card terms; see the Sapphire bonus page.
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