How Often to Apply - Katie's Travel Tricks

Building Your Personal Credit Card Strategy

How Often to Apply

There is not a hard and fast rule for how frequently you can (or should) apply for new credit cards.

On the most conservative end, wait 90 days between card applications. If you are in 2 person mode with a partner, you could stagger your applications so that essentially between both of you, you are applying every 45 days.

Personally, we often apply much more frequently than that. Sometimes I even apply on the same day for a card from 2 different banks.

The video above walks through what factors to consider before applying for a new card. Here's a quick summary:

Factors to Consider Before Applying for Another Card

1

Your ability to complete the minimum spend

2

Your credit score

3

The date of your last card application

4

Bank approval guidelines

True or False

You must wait 90 days before applying for another card.

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