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I Was Approved For The Chase Sapphire Reserve In Spite Of Being Well Beyond "5/24" [Updated]

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The Chase Sapphire Reserve is arguably the most rewarding and most exciting credit card ever, featuring a massive 50,000 point sign-up bonus, an annual $300 travel credit, and a slew of other perks.


Most folks who spend their time obsessing over credit cards and points believe know Chase has an unwritten “5/24" rule, where customers who have applied for five or more credit cards in the past 24 months from any most banks are likely to be automatically denied for a new card from Chase.

Having been approved for seven credit cards since August 2014 (including four from Chase!), I was expecting to have to raise hell reason calmly with customer service to get approved for the card. After applying at a brick and mortar Chase location on Sunday afternoon, I was approved Monday morning by 10am, no complaining necessary.

Granted, I’ve never missed a payment on any card, have no debt, pristine credit, etc. The other cards:

Update 12/28/19:

  • Chase United Explorer Card | December 2019

Update 2/14/19:

  • New Amex (Rose) Gold | September 2018
  • Marriott Bonvoy Brilliant Card | August 2018

Update 1/19/18:

  • Amex Platinum | October 2017

Update 8/23/17:

  • Chase IHG Card | August 2017

Update 8/18/17: I finally got rejected, in this case for the Chase Marriot Rewards Premier Credit Card.

  • Chase Hyatt Card | July 2017
  • Starwood Card | March 2017
  • JetBlue Plus Card | February 2017

Approved between August 2014-August 2016

  • Chase Sapphire Reserve | August 2016
  • Chase Ink Plus | June 2016 | Downgrading to no-fee.
  • Chase Freedom Unlimited | May 2016
  • Chase Sapphire Preferred | February 2016 | Downgraded to Freedom.
  • Chase Freedom | November 2015
  • Amazon Store Card | August 2015
  • Citi Double Cash | November 2014 | Closed due to inactivity.
  • Amex Blue Cash Preferred | September 2014 | Downgraded to no-fee.

Approved before August 2014

  • Discover It | October 2013
  • Capitol One Quicksilver | October 2013
  • Chase Amazon Visa | 2013

Chase did have to reallocate some of my credit line from my no longer needed Sapphire Preferred to the Reserve.


Got questions about the Reserve, the application process, Ultimate Rewards, credit cards in general? Ask away. We’ll be putting up an exhaustive guide to all things Ultimate Rewards in the near future.


Editor Emeritus, The Inventory

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