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Update: Some of the offers mentioned below are no longer available. View the current offers here – Starwood Preferred Guest Credit Card from American Express, Starwood Preferred Guest Business Credit Card from American Express

TPG reader Doug writes:

“I’ve gotten about 14 credit cards in the last year. I have gotten nearly all of the ones that I am especially interested in, and am starting to think about canceling some cards so that I can reapply for them down the line. I know the basics: keep your oldest cards to help your credit history, keep cards with good renewal benefits, but I don’t think I’ve ever seen a consolidated chart of how long various cards need to be canceled before you can reapply and get a sign-up bonus. That would be really useful.”

You haven’t seen a chart on which credit cards are “churnable” because the list constantly changes and there are a lot of factors that come into play. Here is my understanding of each issuer, though please feel free to share your experiences with each so we can get a better understanding of what others have been able to accomplish:

Amex explicitly states the rules for getting a sign-up bonus
Amex explicitly states the rules for getting a sign-up bonus

American Express: Amex is very up-front with the rules around getting a bonus on their charge cards. On most applications, there will be a box that states the eligibility requirements for the bonus. For example, to get the The Platinum Card from American Express bonus: “Welcome bonus offer not available to applicants who have had this product within the last 12 months or any Consumer ZYNC®, Green or Gold Card account within the last 90 days.” The “have had this product” is a little vague, but to be safe I always interpret that to mean “have had the product open,” so I always like to have closed the account before that time frame. Credit card applications (like the Starwood Amex and Gold Delta SkyMiles Credit Card from American Express) generally do not come with bonus disclaimers, but my understanding is that you can get the same card bonus about every two years. You can get both personal and business versions of the same card – I got both the Starwood Personal and  Business cards on the same day this August.

Bank of America: No limit to how many times you can get a card. You can apply for a new one, even if you have one currently open.

Barclay’s: Pretty flexible, but the rule of thumb is to wait at least 90 days between applications. Barclay’s is known for approving people for cards and then actually giving them a lower/less lucrative bonus. If you are denied for a duplicate card (I know many people who have gotten US Airways cards several times), you can always call the reconsideration line at 1-866-369-1283.

Capital One: Pretty strict with getting multiple bonuses (though they rarely run lucrative promotions, so it generally isn’t an issue). When they ran the 100,000 points on the Venture card again this year, some people tried getting it again and were denied.

Chase:Technically one bonus offer per customer, per lifetime. However, you can have multiple products within the same line of cards. For example, I had the old Ink “Business Exclusives” card that was discontinued last November. When they launched the Ink Bold, I was approved and then I also got the Ink Plus credit card this year when it was launched. Same goes for the Sapphire Preferred and Sapphire Preferred MasterCard. Same goes for the old United and Continental cards – if you had one before they launched the new United MileagePlus Explorer Card, you can still get the Explorer card sign-up bonus. You may need to call the reconsideration line to get approved (and give them a good reason why you’d need the new card), but many of us have had success with convincing reps or shifting around existing credit lines if needed.

Citi: 18+ months in between applications for the same card and at least 61 days between rounds of applications.

US Bank: US Bank is probably one of the strictest credit card companies and they will reject you even if you have stellar credit, but have too many recent inquiries.

Chase Sapphire Preferred Card

With great transfer partners like United and Hyatt, 2x points on travel & dining and a 50,000 point sign up bonus, the Chase Sapphire Preferred is a great card for those looking to get into the points and miles game.

Apply Now
More Things to Know
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR on Purchases
Regular APR
16.49% - 23.49% Variable
Annual Fee
Introductory Annual Fee of $0 the first year, then $95
Balance Transfer Fee
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.