Can you have a travel credit card and dining card with Chase?
Quick insights
- You can apply for more than one credit card with Chase, with approval subject to eligibility and other credit-related factors.
- Chase does not issue dining-specific credit cards, but rather rewards cards that may include accelerated rewards on dining purchases, dining statement credits or access to dining experiences and events.
- Pairing rewards from multiple cards may increase the potential to earn across multiple spending categories.
Travel and dining often go hand in hand. It’s not uncommon to return from a trip and talk about a dish that knocked your socks off and left you wanting more.
Those who routinely put travel and dining purchases on a credit card may be wondering if there’s a pairing of Chase credit cards that provides travel and dining perks. While there are no dining-specific credit cards available at Chase, rewards for travel and dining purchases vary among cards. Cardmembers with multiple cards may have the opportunity to earn across different spending categories.
Read on to learn about Chase credit cards that may help you maximize rewards on dining and travel purchases as well as some considerations for managing multiple cards.
Having multiple Chase credit cards
Generally, Chase does not have restrictions on holding more than one credit card at a time, provided cardmembers meet the approval requirements for each card in question. Eligibility requirements may include minimum credit score, age and minimum income. Note that some credit card issuers may deny applications for cardmembers who open more than one card in a 30-day period.
If you're looking to earn rewards on travel and dining, there are several travel credit cards available at Chase. However, there are no specific dining cards offered by Chase. Rather, there are rewards credit cards that may include dining perks and benefits.
Pairing a travel and dining credit card
Pairing rewards cards with complimentary benefits may provide cardmembers with the ability to earn accelerated rewards across multiple spending categories.
Those looking to pair cards that earn rewards on travel and dining have some options. There are several Chase rewards cards that have travel benefits, dining benefits or both.
For example, the Chase Sapphire Preferred® card earns 3x points on dining, 5x points on travel booked through Chase Travel℠ and 2x points on all other travel. Similarly, the Chase Freedom Unlimited® card is a cash back rewards card that earns 3% cash back on dining and 5% cash back on travel booked through Chase Travel.
For those interest in earning rewards on dining, the Chase Sapphire Reserve® card provides an annual dining statement credit, monthly promos and credits to select food delivery services and access to the Sapphire Exclusive Tables program. The card also has several travel benefits, including airport lounge access, travel statement credits and status with select airlines and hotels. Of note, the Sapphire Preferred and Sapphire Reserve cards both have annual fees.
Combining rewards from multiple cards
Many rewards cards earn Ultimate Rewards points, which can be redeemed for travel, gift cards, cash back and more. Some travel cards earn points or miles—miles are more common with co-branded airline cards. Whereas, cash back cards earn cash back on most purchases as a percentage of the purchase amount.
Having multiple cards from the same card issuer means you may be able to combine the rewards for greater redemption options. Chase, for example, allows cardmembers to combine points across cards or, in some cases, to transfer points to members of your household who have Chase cards that earn Ultimate Rewards points.
Chase-branded credit card rewards can be redeemed or transferred through the Chase Ultimate Rewards portal. Ultimate Rewards points can be pooled or combined in the Ultimate Rewards program. Ultimate Rewards points do not expire provided the cardmember’s account is open and in good standing.
Considerations for holding multiple cards
Managing multiple cards may take more time to manage than a single credit card. Here are a few things you may want to keep in mind when using or applying for multiple credit cards:
- Annual fees: Many rewards cards have an annual fee. If you plan to have multiple credit cards with annual fees, it may be helpful to consider your budget and if the benefits are worth the fees.
- Managing payments: Keeping track of different billing cycles, payment due dates and minimum payment amounts for several cards may take more planning and management than keeping track of a single card.
- Overlapping benefits: If two cards offer similar benefits, you might be paying annual fees for benefits you already have or can only use once. You may want to carefully select cards with varying benefits and reward categories before deciding which cards you would prefer to pair.
When you apply for a new card, it might have a new cardmember welcome bonus offer. These offers generally provide the opportunity to earn additional rewards when a new cardmember hits a spending target within a specific period.
If you apply for a new credit card, you may want to consider if you’re able to meet the spending requirements to earn the welcome bonus offer. Also, if you already have a Chase credit card, you may not be considered a new cardmember when opening another Chase card.
It may also be helpful to consider the impact of applying for more than one credit card. Card applications typically result in a hard pull of your credit, which can affect your credit score. Some card issuers also reject applications if the cardmember has applied for multiple cards within a given time frame. For example, Chase typically does not allow cardmembers to open more than one credit card in a 30-day period.
In summary
Chase cardmembers can have more than one credit card at a time, provided they meet the approval requirements. There are several types of rewards cards offered by Chase, some of which provide travel and dining rewards.
Cardmembers looking to maximize the ability to earn rewards on travel and dining purchases can find travel credit cards that also provide dining benefits. However, dining cards are not a specific rewards card category offered by Chase. Rewards card is a general term for any card that earns rewards. This can include cash back cards as well as travel and co-branded cards.
Rewards cards typically earn points or miles, and cash back cards earn cash back as a percentage of your purchases. Cardmembers can combine or pool their points earned on Chase-branded credit cards in the Chase Ultimate Rewards portal. Cobranded credit card rewards cannot be combined with Ultimate Rewards points.
