It had been a while since I had applied for a new credit card. About 2 years ago  I went on applying for every credit card out there, but have not applied in the past couple of months to a year. I realized that in January 2019, I would be under Chase’s 5/24 rule. (In a nutshell the 5/24 rule is that Chase won’t approve you for a new card bonus if you have have applied for more than 5 personal cards in the past 24 months.) At the same time I was to go under the 5/24 count, Chase also came out with a great promotion for their southwest card, 30k points and the companion pass for a year after spending $4k in 3 months.

So this was a no brainer that this would be the card I would apply far in early February. Well I also usually apply for a few cards the same day so it is only one credit card pull on the credit card reports. Knowing that I wanted to stay close to 5/24 so I could apply for another Chase card in a few months (when my next card falls off), I decided to apply for a business card that doesn’t go against the 5/24 rule.  I decided on another Chase card, the Chase Ink Business Card, which has a 80k point bonus after $5k min spend in 3 months. You wont get approved for this card if you are over 5/24, however it doesn’t count towards the 5 since its a business card. (confusing, right?)

I ended up applying for both the Southwest Personal Card and the Chase Ink Business Card within about a minute of each other using separate browsers. First approval was for the Southwest Card. I had had the Companion pass from 2013-2018, so I am super excited to have it back for 2019.  I had my application filled out simultaneously for the Ink card and hit submit as soon as my Southwest card went to approved. I thought maybe I would get a application pending status screen where I would have to call to verify some information. Or maybe I wouldn’t get approved since the Southwest card I applied for a few seconds earlier would set me back at 5/24.  Surprisingly, I was instantly approved for this card as well. 2 chase card approvals in 1 day!


8 days later I received both cards in the mail. I set them up online and sent a message through Chase’s portal which confirmed i would receive the signup bonus’s after meeting the min spend.


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I love to travel, I love to get a good deal, and I love to negotiate. Of course after God, family, and friends, or even better when its with them.

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