The easiest and free way to dig up what credit cards you've opened in the past 24 months is to sign up for Credit Karma, then look at the card accounts listed and find those that have an opening date in the past 24 months. The number of cards (*) opened in the past 24 months will give you a */24 count. You need to be under 5/24 to be eligible for almost all of Chase's cards (and their bonuses), which is why most people will suggest focusing on getting the Chase cards first before opening cards with other issuers (with rare exceptions).
Do you have a business? You may have a business without even realizing it. Any side hustle that you do to earn some extra cash can be considered a business. Do you sell stuff on eBay,
Amazon, Craigslist, or Facebook? Do contracting work? Make crafts or other goods to sell on Etsy or craft shows? Tutor? Baby sit or dog walk? Drive for Uber or Lyft? You probably have a business and qualify to apply for business cards.
The reason you'd apply for business credit cards is because many of them come with more lucrative signup bonuses. Most business credit cards also do not report to your personal credit reports, so that way they don't count against your */24 standing with Chase and keeps slots available for other personal cards; and because a business card isn't reported to your credit report, any charges you put on the card won't show up as a balance increase or affect your percentage of credit utilization, which should generally help increase your credit scores.
The Chase Ink Preferred ("CIP") card that
@palhockeymomof2 mentioned has one of the most valuable signup bonuses at 80,000 UR points. It does carry a $95 annual fee, but the signup bonus is worth at least $800 in cash, or up to $1,200 towards travel if you combine those points onto Chase's Sapphire Reserve card ("CSR," which itself has a 50,000 UR signup bonus) or $1,000 towards travel if you pair it with a Chase Sapphire Preferred card ("CSP," which also has a 50,000 UR signup bonus). Chase has other business credit cards, i.e., the Chase Ink Cash ("CIC"), which also comes with a 50,000 UR signup bonus and earns 5x UR at office supply stores where you can buy gift cards (especially Disney Gift Cards); and the Chase Ink Unlimited, another 50,000 UR bonus card that continues to earn you 1.5x UR on every purchase.
But again, to be eligible for these cards, you need to be under 5/24. We can help you with the other details once we know more about you!
I see a a new biz card in my dh's future!!
Paper calendar for me also lol...
) This place has become a community - when people post they aren't just random DIS members, I see your name or avatar and in a way I "know" you. Sometimes I venture away from our thread to other parts of the DIS and I don't realize that people don't want to form a community of friends. They just want answers or drama or something...and I try to be "me" and that backfires...badly sometimes.
This is probably our last Chase hurrah in a while too, as our next cards don't drop off until 10/19 for me and 3/20 for him. (We took a long break a couple of years ago to refinance our house)
Bonvoooy me mateys!
