Updated July 2026. Free, no signup, nothing leaves your browser.
Answer 5 questions and get your next 3 moves in order, with the reasoning, built from the same logic as the churning flowchart: Chase first while 5/24 slots remain, the business-card exemption where it applies, and minimum spends matched to your real budget. Card types and order only, never specific offers. Chase also caps you at 2 personal approvals in 30 days under the Chase 2/30 rule.
The logic in 1 paragraph: 5/24 makes Chase the scarce resource, so Chase personal cards come first; business cards from the right issuers never add to the count, making them the sequence’s free moves; and over 5/24 the game shifts to Amex, Citi, and Capital One, whose own rules (lifetime language, 48 month clocks, velocity limits) take over as the constraints.
FAQ
What order should I apply for credit cards in?
Under 5/24: Chase first, business cards second, no-5/24 issuers after. Over 5/24: business cards and Amex lead. The planner applies your score, spend, and goal to that frame.
Does the planner recommend specific cards?
No, card types and order only. Offers change weekly; the linked guides cover evaluating whichever offer is live when you apply, with the bonus value calculator for the math.
What if my score is under 670?
Wait and build. Approval odds are poor below 670, and denials spend inquiries for nothing. The planner says so to your face.