BonusCeilingCredit card issuer rules (5/24, once-per-lifetime, 48-month and more)
Chase
Chase 5/24
Widely reported (not officially published): Chase usually denies applicants who opened 5+ personal cards from any bank in the past 24 months. Most business cards from other banks don't count; Chase business cards are still subject to it. Chase pages say only that it 'may consider the number of cards you have opened and closed'.
Sapphire bonus eligibility
Chase Sapphire pages: unavailable if you currently have the card; bonus may not be available if you previously held it or received its bonus.
Ink Preferred 'ever had' language
'The new cardmember bonus may not be available to you if you have ever had this card.'
Chase co-brand 24 months
Many Chase co-brand cards: available if you don't have the card and haven't received its bonus in the past 24 months.
Marriott cross-issuer rules
Complex 30-day / 90-day / 24-month windows across Chase and Amex Marriott cards. Read the offer details.
American Express
Amex once-per-lifetime
Amex terms: you may not be eligible for a welcome offer if you have or have had this Card. Amex tells you before the hard pull if you're ineligible ('pop-up').
Amex card families
Some terms include related cards, e.g. Gold terms list Platinum: holding Platinum first can block the Gold bonus. Hilton Surpass terms include Ascend.
Capital One
Capital One 48 months
Venture X: not eligible if you received a bonus on this product in the past 48 months. Venture: not eligible if you received a bonus on Venture or Venture X in the past 48 months.
Citi
Citi Strata Premier (formerly 48-month rule)
Citi historically used a 48-month rule. Current Strata Premier page: not available if you currently have or previously had a Strata Premier or Premier account (no time limit).
Bank of America
BofA 2/3/4 (community-reported)
Community-reported guideline: max 2 new BofA cards per 2 months, 3 per 12 months, 4 per 24 months. Not published by the issuer; treat as approximate.
U.S. Bank
U.S. Bank Altitude Connect 5 years
Not eligible if you received a new account bonus for this product in the last five years.
Last updated October 16, 2026.