Know Exactly Which Credit Cards You're Eligible For
Track Chase 5/24, Amex lifetime bonuses, Citi 8/65, and 8 more bank rules in one place. Free forever.
Start Tracking My ApplicationsA free tracker for credit card application rules including Chase 5/24, Amex lifetime bonuses, Citi 8/65, and BofA 2/3/4 restrictions.
Credit card rewards enthusiasts who want to maximize sign-up bonuses without accidentally violating bank application restrictions.
Enter your recent card applications to see which cards you are currently eligible for — always verify current rules directly with the issuer.
Built by an experienced web professional
All 5 issuer rules calculated from your application history
Check eligibility across all 9 issuer velocity rules
Track welcome bonus minimum spend across all your cards
Is your card's annual fee worth it?
Last updated: March 16, 2026
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Top Credit Cards to Consider in 2026
Chase Sapphire Preferred
Chase
Top travel rewards card with 3x on dining and 2x on travel worldwide.
60,000 bonus points after $4,000 spend in 3 months
We may earn a commission if you apply and are approved.
Amex Gold
American Express
Best dining rewards card with 4x at restaurants and supermarkets.
60,000 Membership Rewards points after $6,000 spend in 6 months
We may earn a commission if you apply and are approved.
Capital One Venture X
Capital One
Premium travel card with lounge access and $300 travel credit.
75,000 bonus miles after $4,000 spend in 3 months
We may earn a commission if you apply and are approved.
Chase Ink Business Preferred
Chase
Top business card with 3x on travel, shipping, and advertising.
100,000 bonus points after $8,000 spend in 3 months
We may earn a commission if you apply and are approved.
Citi Strata Premier
Citi
Strong travel card with 3x on travel, dining, and groceries.
75,000 bonus ThankYou Points after $4,000 spend in 3 months
We may earn a commission if you apply and are approved.
Amex Platinum
American Express
Premium card with global lounge access and elite travel benefits.
80,000 Membership Rewards points after $8,000 spend in 6 months
We may earn a commission if you apply and are approved.
How does the Chase 5/24 rule work?
Chase declines most credit card applications if you have opened 5 or more personal cards from any issuer in the past 24 months. Business cards from most issuers do not count toward your 5/24 total.
The rule is evaluated at the time you submit an application — not when the account opens. Cards age off automatically once their opening date crosses the 24-month mark, which means your count can drop without any action on your part. Authorized user accounts do count toward 5/24 in most cases, so factor those in when calculating your status. U.S. consumers held an average of 3.9 credit cards in 2024, according to Experian data, making strategic application planning important for anyone maximizing rewards.
What credit card issuer rules should I track?
Beyond Chase 5/24, major issuers have their own application restrictions: Amex limits welcome bonuses once per lifetime per card, Citi restricts applications within 8 days and 65 days, and Bank of America uses a 2/3/4 rule.
Tracking multiple issuer rules simultaneously is the core challenge of credit card optimization — a card that is perfect for your Chase slot may trigger an Amex or Citi restriction if applied for in the wrong sequence. Getting the order right determines whether you collect the full bonus. Rewards credit cards generated over $35 billion in sign-up bonuses and cash back in 2023, according to the Consumer Financial Protection Bureau, which illustrates why tracking these rules carefully is worth the effort.
Is my credit card application data private?
Yes — all application data you enter is stored locally in your browser using localStorage. No data is transmitted to any server, and clearing your browser data removes all stored information.
No account is required and no personal financial information is collected. Your card application history never leaves your device.
When is the best time to apply for Chase cards?
Apply for Chase cards when you are below 4/24 to leave a buffer, since each new application will temporarily push you higher. Plan applications to maximize cards approved before hitting 5/24.
The best strategy is to front-load Chase cards before branching into Amex or Citi, since Chase is the most restrictive about recent application velocity. Space applications at least 30 days apart to avoid triggering automated denial flags. Credit card rules change without notice — this tool provides estimates based on community knowledge from r/churning and similar sources. Always verify current terms and eligibility directly with the issuer before applying.
This tool is for informational and educational purposes only. Credit card application rules, eligibility requirements, and approval odds change frequently and vary by individual circumstances. Always verify current rules directly with the card issuer before applying. We cannot guarantee approval or bonus eligibility. This is not financial advice.