Master the rules before you apply. Chase 5/24, AMEX 2/90, Relationship Managers, and optimal application sequences for 7 major banks.
At a glance: bureaus pulled and relationship manager availability
Click any bank to expand and see full application details
2/90 rule: Can apply for 2 cards same day unless you got another AMEX within 90 days. CLI every 35-90 days for biz accounts. Don't be aggressive with numbers.
Most strict with applications. RMs don't affect limits much. Always pulls Experian.
Apply for all 3 0% cards online same day. Biz checking status: $20k Silver, $50k Gold, $100k Platinum. Balance influences approval.
RMs help qualify for higher limits. Recently asking for 3 mo bank statements more often.
Watch 5/24 rule - RM can bypass. $5k in biz checking 10 days helps. Change NAICS to 541611 (Consulting) for best results. Only do 1 at a time unless strong revenue.
Personal card relationship helps. Can freeze other bureaus to get only one pull.
EQ soft pull / EX hard pull for 0% cards. No checking needed but helps. Can call back of card to request $10k increase if approved low.
12% interest (higher than others). Approves up to 10% of revenue. Does biz auto loans.
Average approval $20k on biz card. Apply while opening checking accounts for best results.
Biz checking helps with approval and interest rate but not required.
Season checking 30 days before applying. Start with Triple Cash, wait 3-6 months then Platinum. Original card must be below 50% utilization.
ELAN Financial same underwriting. Apply through RM for best results.
1 year with WF checking required. Docusign for biz card apps. Online BLOC available if biz 2+ years and account 1+ year.
Good for debt consolidation. Soft pull prequalification available.
Very lender-friendly. Pre-qualification available (soft pull). 2/15 rule for business cards (similar to Chase 5/24). Hard pull shows on EX and TU.
Great for high limits once you have relationship. Spark Cash Plus is 2.5% on everything - hard to beat for simple biz spending. Apply after establishing 6+ months credit.
Only pulls Experian - huge advantage. 5/24 but only for Discover. Cashback match at 12 months (doubles your cashback for first year). Hardest approval for new businesses.
Apply early in stack building. Once approved, keep forever for Cashback Match. Great for first biz card if you have personal Discover history.
Needs $50k+ revenue for best offers. Pulls TU only. Relationship managers available in-person (East Coast focus). Slow approval process.
Better for established businesses. Not great for rapid stacking. Good if you bank with TD already.
Recommended order to maximize approval odds and limits
Get 2 same day
Use RM to bypass 5/24
Apply for all 3 same day
Season checking first
No checking needed
Apply with checking
Need 1yr relationship
Common questions about bank applications
If you've opened 5+ personal cards from any issuer in 24 months, you'll likely be denied for most Chase cards. Relationship Managers can sometimes bypass this.
Yes, you can apply for unless you got another2 cards same day AMEX within 90 days (2/90 rule).
AMEX, Bank of America, Chase, PNC, and US Bank have Relationship Managers available. Truist and Wells Fargo do not.
Most require 670+. Some banks approve lower scores with strong revenue. Higher scores generally mean better approval odds and higher limits.
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