JP Morgan Chase

Reconsideration Phone
Personal Cards
800.935.9935
Business Cards
800.453.9719

Associated Point Systems

Breaking Points

June 5, 2025
Marriott Bonvoy Bold
Marriott Bonvoy Bold

Marriott Bonvoy Bold is offering 60,000 points + 1 free night after spending $2000 in 3 months with a 0 annual fee.. That's up 30,000 points over their standard offer of 30,000 after spending $1000 in 3 months.

June 5, 2025
Marriott Bonvoy Boundless
Marriott Bonvoy Boundless

Marriott Bonvoy Boundless Credit Card is offering 150,000 points (Actual bonus,5 free nights up to 50,000 points each after spending $5,000 within 3 months ) with a $95 annual fee.. That's up 60,000 points over their standard offer of 90,000 after spending $3000 in 3 months.

May 30, 2025
IHG One Rewards Traveler
IHG One Rewards Traveler

IHG One Rewards Traveler is offering 120,000 points after spending $2000 in 3 months with no annual fee.. That's up 40,000 points over their standard offer of 80,000 after spending $2000 in 3 months. Offer expires 7/23/25

May 9, 2025
United Gateway
United Gateway card

United Gateway Card is offering 30,000 points after spending $1000 in 3 months with a $0 annual fee.. That's up 10,000 points over their standard offer of 20,000 points after spending $1000 in 3 months. Offer expires 7/16/25

Bank

JP Morgan Chase

The Highlights

Overall, Chase Bank and Chase Ultimate Rewards are our favorites in this hobby. That’s why we suggest moving your banking to Chase, as it will help with future approvals (especially on business). The good news is Chase often offers bonuses to open new accounts. The offers range from $150 to $1,000 per account. Just Google “Chase open bank account offers” and go through the top 10 links to find the best current offer.

Chase is the originator of the 5/24 rule, which means we generally recommend starting with Chase and Capital One -- then moving on to Amex, Citi and Barclay, who have less stringent approval rules. Here’s a crucial thing to note: Chase business cards don’t show up on your personal credit report, and therefore do not count towards the 5/24 rule.

Chase is a conservative and smart lender. That means you’ll need decent credit to be accepted, and you might have to call the reconsideration line if you’re initially declined. Having your bank accounts with them -- along with a clear reason you want the card, other than a bonus -- will go a long way. Barring a rule violation (listed below), we see about 65% of original declines approved on a reconsideration call.

When points appear

With receipt of statement after meeting minimum spend

Application Rules

Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months

You'll be declined if you apply for a third Chase card of any kind within 30 days

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

What to Know Before Canceling

You may want consider downgrading to maintain relationship and credit history to a no/low annual fee card in the same family (e.g Freedom Unlimited) This is not always a viable option on partner cards such as Hyatt or Bonvoy.

Best for Series

Below is a snapshot of where this bank performs best compared to the other banks in our database:

Breaking Points

June 5, 2025
Marriott Bonvoy Bold
Marriott Bonvoy Bold

Marriott Bonvoy Bold is offering 60,000 points + 1 free night after spending $2000 in 3 months with a 0 annual fee.. That's up 30,000 points over their standard offer of 30,000 after spending $1000 in 3 months.

June 5, 2025
Marriott Bonvoy Boundless
Marriott Bonvoy Boundless

Marriott Bonvoy Boundless Credit Card is offering 150,000 points (Actual bonus,5 free nights up to 50,000 points each after spending $5,000 within 3 months ) with a $95 annual fee.. That's up 60,000 points over their standard offer of 90,000 after spending $3000 in 3 months.

May 30, 2025
IHG One Rewards Traveler
IHG One Rewards Traveler

IHG One Rewards Traveler is offering 120,000 points after spending $2000 in 3 months with no annual fee.. That's up 40,000 points over their standard offer of 80,000 after spending $2000 in 3 months. Offer expires 7/23/25

May 9, 2025
United Gateway
United Gateway card

United Gateway Card is offering 30,000 points after spending $1000 in 3 months with a $0 annual fee.. That's up 10,000 points over their standard offer of 20,000 points after spending $1000 in 3 months. Offer expires 7/16/25