Chase 4/6

Written by Adam Seper
Updated on Fri, 06 Jun 2025

Quick Summary

Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months

Banks That Use This Rule

JP Morgan Chase »

Understanding the Chase 4/6 rule:

This is somewhat of an ancillary to the 5/24 rule: You'll be declined if you try for a 5th Chase cards (personal or BUSINESS) in a 6-month period. If you have a business with a big spend, hitting this rule is more likely, since Chase business cards don't count towards 5/24 -- but they do count towards this rule. Don't worry. As long as you keep your cards up to date, we'll keep track and warn you if the rule is tripped.

Important to know:

The Chase 4/6 rule is lesser known than its more popular 5/24 counterpart. It is also one of two Chase rules that deals with card velocity in a short period of time. The other is the 2/30 rule, which states that you cannot open more than two cards in 30 days. Note that both of these rules (2/30 and 4/6) apply to Chase cards only. While the 5/24 rule excludes business cards, the 4/6 rule does not. You cannot get more than four Chase cards of any kind in six months.

About Approval Rules

Collecting credit card points is largely driven by understanding and abiding by bank rules regarding approval (or disapproval) of cards. So here’s what you need to know:

Approval rules are rarely fully publicized by the banks
We use our own research and data points from other users in creating the rules listing
Our goal in sharing/using the rule listings is to provide you guidance to avoid getting declined
There can sometimes be exceptions to the rules, but we try to take a more cautious approach in advising you.