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How to Apply for a Chase Credit Card

Chase is a popular card issuer that's behind some of the best credit cards we've seen. If this is your first time applying for a Chase credit card, you may be wondering how the application process works.

The application process isn't difficult, but it goes faster when you know what you're doing. Your account opening is also more likely to be a success if you know about Chase's usual rules for approving applicants. Here's exactly how to apply for a Chase credit card and how to make sure you pick the right new card.

What to know before applying for a Chase credit card

Before you think about applying for a Chase credit card, you need to know about Chase's 5/24 rule. Chase almost always denies applicants who have opened five or more credit cards within the last 24 months.

Check how many credit cards you've opened in that timespan. If you won't pass the 5/24 rule, it's better to wait and apply later. This is one of the strictest application rules of any credit card company. The only known way to get around it is if you've been pre-approved for a Chase credit card.

Your credit score is also important. Most of Chase's credit cards are aimed at those who have a good credit score or better. If your FICO® Score isn't at least in the mids, you may want to focus on improving it first.

How to apply for a Chase credit card

Applying for a Chase credit card is a quick process. You just need to follow these steps:

Click the apply option on the card page.

Note that if you already have a Chase account, the application process will be faster if you sign in first. If you do, Chase will fill out parts of the application with the information it already has for you.

Enter all the required information in the application form.

To get through the application process smoothly, you should have the following ready:

  • Personal information: Name, date of birth, Social Security number, and mother's maiden name
  • Contact information: Mailing address (you must use a physical address and not a PO Box), email address, and phone number
  • Financial information: Type of employment, annual gross income, whether you rent or own, and your monthly rent/mortgage payment

Check the box to accept the application terms and click "Submit."

Your application will then be processed.

What happens after applying for a Chase credit card

After you submit your application, Chase could instantly approve or deny it. Chase could also put your application under further review.

An instant approval is obviously the best-case scenario, so we don't need to go over what to do there. Here's what to do for the two other responses to your Chase credit card application:

  • Denial: Chase will send you a letter explaining the reason for the denial. You can also call the Chase reconsideration line to ask why you were denied and see if the denial can be overturned. With the right approach and a little luck, a Chase representative may change the decision and approve your application.
  • Under review: Your application has not yet been approved or denied. Chase will send you a letter with its decision, but you can also call in to check your application status. You may want to wait three to five days to give Chase's system time to potentially approve your application. If you end up with a denied application, you can follow the same procedure of calling and asking the representative to reconsider.

Selecting a Chase credit card

Chase has so many credit cards that it's wise to compare your options. The Chase Sapphire cards are popular among travelers because they're part of the Ultimate Rewards point program. Chase Ultimate Rewards points are extremely versatile, and you can use them for travel bookings.

You can also choose from cards that earn cash back on purchases, cards with a 0% intro APR, and cards that don't charge an annual fee. If you're a business owner, there are also several business credit card options available through Chase.

Think about what type of rewards card you want, a travel credit card, cash back card or a Chase business card. To help you pick a card, here are recommendations on the best Chase credit cards for different financial goals:

Getting your Chase card

The right Chase credit card can be worth hundreds or even thousands of dollars in value every year. All you need to do is figure out which card will work best for you and check that you meet Chase's typical requirements. If so, you can apply for a Chase credit card and likely get approved.


Waiting on a credit card application approval? Here&#;s how I speed up the process

If you’re in the market for a new credit card, nothing feels more gratifying than seeing the instant approval confirmation screen at the end of the application process. But have you ever seen the dreaded “decision-pending” notice following a Chase credit card application? I have, a couple of times, and it usually takes a week or two to discover and resolve the issue.


Fortunately, I’ve discovered a way to expedite the process.

Hopeful card holders usually see this screen whenever they are over the infamous 5/24 limit, where Chase doesn’t approve card applications from people who have applied for more than five total credit cards over the past 24 months. However, this notification can appear for a number of other reasons as well, such as a low credit score or having the wrong address on file, for starters.

Whatever the reason behind Chase’s hesitation, you won’t be able to tell from the website; you’ll have to wait for up to 10 business days to receive a formal notice in the mail, which will include a brief summary of the issue. You can then contact Chase for more clarification or to offer any supplemental information needed. Sometimes you can appeal the decision; other times, it will be a no-go.

If you’re as impatient as I am, however, there’s another way to resolve the issue more quickly. Walk into any Chase bank branch and ask to speak with a personal banker. Instead of getting in line for teller services, just look for the clipboard near the entrance and put down your name. Once someone is available, they will bring you back to their cubicle and contact the appropriate department for you. Letting someone else wait on hold on my behalf? Heck yes.

I discovered this loophole by accident a couple of years ago, soon after I filed the official paperwork for setting up a small business. I had applied for a new business credit card for my fledgling company, but promptly found myself confronted by the “decision pending” screen. At this time, I knew I was well under 5/24, and I hadn’t had any major credit hits in recent months, so I didn’t know why my application had been denied.

I, like most millennials, prefer to do everything online instead of in person or by phone, if possible. But Since I was headed to the bank the next day to set up a business checking account, I decided to mention the issue to my personal banker, Ericka. To my surprise, she immediately got on the phone with the appropriate department to inquire about the issue for me. After a few minutes on hold, Ericka told me that the home address I had on file with Chase wasn’t the same office address that was listed on my business corporation paperwork. This was a quick fix that she was also able to complete for me within a minute or two.

Thanks to Ericka, I was approved for my card that same day and had it in hand within a week, just in time to pay for all my new business expenses. She also let me know that this in-person method of resolution is one of the most effective ways of expediting any issues, whether it’s for my business or for my personal accounts with Chase.

Since then, I’ve been back to visit Ericka or her colleagues at least twice in the last 18 months. I’ve also recommended this “hack” to more than a dozen friends, most of whom have also met with success.

Here are a few other tips we’ve discovered:

  • You’ll need to give Chase a day or two to process your application before customer service can find it in the bank system. The sweet spot appears to be around Day 4 or 5 from when you first submitted your application and got the “decision pending” notification.
  • Either bring all supporting documents you might need, or have the information readily available to pull up if and when asked.
  • As always, be very, very courteous. This isn’t just a good rule of thumb for life; it could be the difference between getting someone who merely gives you the information you need, versus establishing a relationship with a banker who proactively goes the extra mile to push your application through the system.

An appointment with a personal banker won’t eliminate the 5/24 requirement or push an application past a low credit score. But they can help you reach the right department more quickly, or break down certain requirements that FAQ guides won’t explain. And of course, they can quickly resolve simple issues like the address mix-up that held up my credit card application.

And in case you were wondering, I applied for the Chase Ink Business Preferred, of course. It’s one of my all-time favorite credit cards, and I personally believe it’s seriously underrated for freelancers and small business owners.

Featured photo by Shutterstock.

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Chase Credit Card Application Status Explained: No Instant Approval, No Worries

You just clicked “submit” on your application for a new Chase credit card, and the few seconds it took to decide your fate felt like a lifetime. If you’re lucky enough to have received instant approval, you can rest easy knowing you’ll have your new card in a few days.

But that isn’t always the case. If you aren’t approved instantly and your Chase credit card application status is pending, don’t worry and assume the worst yet.

There are a handful of reasons why you might not have received an immediate approval from the credit card issuer. Even something as simple as a typo could send your credit card application to the “under review” pile. This additional review process generally takes anywhere from seven to 10 business days, although in some cases, it could take up to 30 days.

While it can be a drag, if you go in knowing what to expect, it might make the process a little more bearable.

What it means if your Chase application status is under review

It’s understandable to feel anxious after finding out you weren’t instantly approved for a credit card. You might even consider scouring your entire credit profile to identify what it was exactly that now requires further review.

Try not to overthink it. While instant approval is ideal, being notified that your application is under review doesn’t automatically mean you’re on the edge of being denied. Especially if you are applying for a business card, Chase may simply have additional questions for you.

As your application undergoes further review, Chase will consider the following to make a decision:

  • Credit history
  • Income
  • Debt
  • Housing status
  • Number of recently-opened credit cards

It’s generally all the same information normally used to make a decision, but since the criteria required to trigger an instant approval may not have been met, someone at Chase will have to take a closer look manually.

Possible outcomes

Once a decision is made, you’ll likely be notified by mail or email as to whether or not you were approved. If you were approved, you’ll find out what your credit limit is and when to expect your new card in the mail.

It’s also possible that Chase will request additional information to assist in the decision-making process. This could be anything from proof of income to correcting mistakes that may have been made on the initial application.

Chase business credit card applications

If you’re applying for a business credit card from Chase, it’s likely you won’t be instantly approved. The Chase Ink business cards are very popular, especially with those who also have other Chase cards that earn Ultimate Rewards, as you can pool your points across your accounts. With generous sign-up offers, high rewards rates on purchases, and spending power that’s valuable to any business, there is little wonder why so many people apply for these powerful small business cards.

But getting approved for a business card is a little more complicated than for a consumer card. There may be more information than your credit history that needs to be verified, which can result in a longer waiting period when it comes to an approval decision. A recent call to Chase Ink Business’ customer service revealed that they receive so many applications that it takes at least seven to 10 business days to review all the information before a decision is reached.

If you’re worried about the time it’s taking to get a response from Chase about your business credit card application, calling customer service is your best bet. Don’t call the reconsideration line unless you’ve received a notice that your application was denied. Doing this will possibly result in more questions to answer while your application is still under review, which unnecessarily complicates the process. Sometimes just waiting to hear from Chase is the best strategy.

How to check the status of your Chase application

If you find you’re too eager to await the decision, you can actually check your Chase credit card status as often as you want by logging into your account or calling for an update.

Check Chase application status online

To check your credit card application status online, visit, log in to your Chase account, and click the icon in the top left corner to pull up the main menu. From there, under “Explore Products,” you should see the option “Application status.” This will open up your application activity.

Check Chase application status by phone

The other option is to call customer service for Chase credit cards and go through the automated system or speak to a representative directly. To check the status of personal credit cards using the automated system, call the status line phone number: Follow the instructions to get to the credit card approval section of the directory. Once there, you’ll need to enter your Social Security number to retrieve the application.

For business credit cards, call this phone number to check the status of your application:

How to improve your chances of being approved

The criteria you need to qualify varies from card to card, but there are a few things you can do that can help set you up for success.

  • Improve your credit score: Since it’s one of the leading factors of whether or not you’ll be approved, you should know if your credit score aligns with the credit card you’re applying for. If it means having to wait a little longer, it might make sense to work on improving your score to increase your chances of being approved.
  • Be mindful of credit utilization: Chase is going to look at whether or not you’ve been handling your credit responsibly, and this includes checking how much credit you’re currently using. If you’re maxing out credit cards or carrying over high balances month to month, they’ll see this as a red flag.
  • Keep the Chase 5/24 rule in mind: Chase has been known to operate under a little rule called Chase 5/ Though these sorts of application rules are unofficial, this one pretty much means if you’ve signed up for five new accounts in the past 24 months, you stand little chance of being approved for a new credit card within that time frame. This includes all credit card accounts from all credit card issuers — not just Chase.

If your Chase credit card application is denied

Unfortunately, it happens. If your application is denied, consider calling the Chase reconsideration line, which is There’s no guarantee, of course, but it may be worth trying if your circumstances have changed or you wish to further explain something on your application.

If you can’t persuade them in your favor, you may have to focus on what you can do yourself to improve your chances going forward. Depending on your situation, this might mean taking some time to improve your credit score, reduce debt, or let the dust settle if you’ve recently applied for multiple cards.

Alternatives to Chase cards

If you aren't approved for a Chase card, you may still have some options, depending on your situation. If you have a decent credit score and you're over 5/24, you might want to consider applying for a credit card from a different issuer. For instance, The Platinum Card® from American Express is a top travel rewards card that offers comparable — and maybe even better — perks than the Chase Sapphire Reserve card.

As a new Amex Platinum cardmember, you can earn , Membership Rewards points when you spend $6, in the first 6 months. Plus, this rewards card offers 10X Membership Rewards points on restaurants worldwide and when you Shop Small in the U.S (on up to $25, in combined purchases during the first 6 months, after that 1X). Amex Platinum cardmembers also get top-tier benefits like airport lounge access, elite status with Marriott Bonvoy and Hilton Honors, a statement credit for TSA PreCheck or Global Entry, and Uber VIP status. While it does have a hefty annual fee of $ (See rates and fees), it's possible to offset that cost if you can take advantage of this card's many perks. Note that select benefits require enrollment.

If you have less-than-stellar credit, but you're working toward improving it, the Capital One QuicksilverOne Cash Rewards card may be worth considering. It's arguably one of the best credit cards for fair credit because it earns cashback rewards. Typically, it's difficult to get approved for a rewards credit card with fair or average credit, but this card is often an exception to that rule. It carries a reasonable $39 annual fee, and you get unlimited % cash back on every purchase. Plus, you'll also automatically be considered for a credit line increase every six months, which may help improve your credit utilization. With responsible use, you could be on your way to a better credit score over time. 

Commonly asked questions about Chase application status

How long does it take to get approved for a Chase credit card?

While you may be eager to start taking advantage of Ultimate Rewards right away, credit card approval timelines may vary. If you applied online or through your mobile device, you may receive an application decision within minutes. If you didn’t receive an immediate approval, the approval process may take 7 to 10 business days.

Does Chase have 24/7 customer service?

Yes. As an existing or prospective Chase customer, you can call Chase credit card support and speak to an agent 24 hours a day, seven days a week at

Does Chase ever approve credit card applications instantly?

In some cases, you may receive an instant, or same-day, credit card approval online, if you are eligible. Some cards will even enable you to earn bonus points by spending money soon after your account opening. Alternatively, you may receive an email saying more time is needed or that you need to call in with more information. If you don’t receive an instant credit card application decision, you can always reach out to a Chase credit card support agent at for an update.

Is it hard to get approved for a Chase credit card?

Approval for a Chase credit card will vary with the card being applied for and with each applicant. Some Chase cards, like the Chase Sapphire Preferred, Disney Visa, and the Chase Freedom Unlimited, require a good to excellent credit score. Other cards require a fair credit score. Other factors, such as income and existing debt, are also used to determine credit card approvals. The best way to improve your odds of being approved for a Chase credit card is to work on raising your credit score.

Can I apply for the Chase Freedom Unlimited if I have the Chase Freedom?

Yes, you can apply for the Chase Freedom Unlimited credit card, even if you already have the Chase Freedom card. These rewards credit cards are two separate Chase products with different rewards structures. That said, be aware that Chase does keep an eye on how many cards you’ve been applying for overall, so you may want to read up on the 5/24 rule.

Can you have two Chase business cards?

Chase doesn’t have any documentation when it comes to how many Chase business cards you can have. So while we don’t know the maximum number of Chase business cards you can have, you can definitely have more than one. However, before you apply for two Ink Business cards, consider Chase’s 2/30 rule.

The Chase 2/30 rule is an unwritten policy backed up by many data points in the points-and-miles community. It indicates that if you’ve been approved for two Chase cards within the past 30 days, you’re not likely to be approved again. So if you've added the Chase Ink Business Preferred and the United Club Business cards to your wallet in the past month, it's unlikely you'll be approved for another business credit card. Some sources report that the limit is two consumer cards and one business card.

Since this is a generalized guideline and not a concrete rule, experiences may vary. But if you don’t want to risk too many hard inquiries to your credit report, it’s a good idea to keep the 2/30 rule in mind before submitting your application and when evaluating your chances of approval.

The bottom line

Getting denied for a credit card stinks, but it doesn’t mean it’s the end of the road. If you have your heart set on a specific Chase card, go through your credit report and locate any weak points that may have been a factor in their decision. Use this as an opportunity to see where you can improve and start making moves. If you’re open to applying for a credit card from a different issuer, several other options offer valuable perks like cash back and no annual fees.

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Matt Miczulski

Matt Miczulski Matt Miczulski is a personal finance writer specializing in financial news, budget travel, banking, and debt. His interest in personal finance took off after eliminating $30, in debt in just over a year, and his goal is to help others learn how to get ahead with better money management strategies. A lover of history, Matt hopes to use his passion for storytelling to shine a new light on how people think about money. His work has also been featured on MoneyDoneRight and

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What to Do If You Get Rejected for a Chase Credit Card

Have you ever applied for a credit card online and didn't instantly get approved? The first thing you need to check is if you were rejected or if they're still making a decision by calling the reconsideration line. A lot of people who aren't automatically approved assume they've been rejected.

If you're not instantly approved for a card, call the automated status line immediately to check the status of your application. The number may change in the future. h/t Doctor of Credit for the most updated list of recon numbers. 

Reconsideration line phone number:  

Once you make the call, they're going to give you a message. If it says they'll let you know within 30 days, it means Chase has not processed the application yet. However, if the message says two weeks, this typically means you're approved. If it says days, then it typically means you were rejected for the card.

Important note: these are based on phone messages and not email communication. 

If you have the day message, this likely means you were rejected. You can either wait for a letter or immediately call the reconsideration line to see if they will approve you. Before calling the reconsideration line, there are two rules you need to be aware of:

1. Chase 5/24 - if you opened more than five credit card accounts within the past 24 months, you'll automatically be rejected. 
2. Chase 2/30 - if you have more than two applications within the past 30 days, Chase will not approve you. 

Reconsideration Line

When you call the reconsideration line, you're trying to convince the person on the other line to approve the application. You're usually speaking to a credit analyst, so be sure to call during business hours. These calls can vary drastically depending on what your credit profile looks like.

For example, my friend called the reconsideration line after applying for two Southwest credit cards on the same day and had to explain that they were aiming for Companion Pass. After explaining why they wanted the card, the analyst approved the card.

Again, depending on the specific reason the application is under review, your mileage may vary. 

Another scenario is that Chase typically issues a total credit limit equivalent to half of your income. You may have to reallocate or lower the credit limits on some cards to get approved for a new card.  

If you go through the reconsideration process and they still don't approve you, it might be worth hanging up and trying again a few hours or days later.

One other factor to consider is that if you are relatively new to credit, it's hard to get approved for travel cards like the Chase Sapphire Preferred or the Chase Sapphire Reserve. If you get rejected, the strategy would be to build a relationship with Chase by getting a Chase Freedom for months before applying for a higher tier card.  


Chase approve instantly does

Here&#;s How to Check Your Chase Credit Card Application Status

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Disclosure, visit this page.

It&#;s easy to feel anxious when you don&#;t get instantly approved for a new credit card, especially when these cards have some amazing, limited-time k bonus offers. You may not get instant approval when you have questionable approval odds. Having to wait several days doesn&#;t mean you can&#;t check your Chase credit card application status for real-time updates.

Check Chase Credit Card Application Status Online

Chase has some of the best travel credit cards. The quickest way to check your application status is by accessing your online Chase account.

Follow these steps to view your application status:

  • Go to
  • Log into your Chase account
  • Click the drop-down menu in the top-left corner
  • Choose &#;Application Status&#; from the drop-down menu

After clicking the application status button, you can see your current application status. You might see additional steps you can take to continue the application process. For instance, you may need to call Chase to answer more questions or clarify certain details.

Chase credit card application status

If the application status doesn&#;t make sense, you can try sending a secure message to Chase customer service. Their response can provide a clearer picture of how soon you can receive an application decision.

Related Article: Best Chase Credit Cards

Call Chase to Check Application Status

Another option is calling Chase and speaking with a real person. Sometimes, one or two managers will need to review your application. Calling can force the Chase review team to look at your application before others.

It&#;s possible that you can receive an approval decision over the phone.

For instance, maybe your application is pending because you need to clarify your annual income, monthly expenses, or desired credit limit. As an applicant, you may not see why Chase decides to flag your application for further review unless you call.

Chase may provide a contact number when you submit your application to call if you have questions. If not, you can try calling one of these numbers:

  • Personal credit cards:
  • Business credit cards:

Related: Best Chase Business Credit Cards

Chase Reconsideration Line

Most denied Chase credit card applications come after receive the message stating Chase will provide a final decision with days.

If Chase denies your application, you can try calling their reconsideration line:

  • Personal credit cards:
  • Business credit cards:

You should call within 30 days of receiving your official notification of denial. Waiting too long means you will need to submit a new application. That means another hard credit pull that can count against you.

The notice should state a reason why your application didn&#;t pass muster. If possible, have any clarifying information ready when you call.

Here are some of the possible reasons why you may need to call the reconsideration line.

Typographical Errors

An easy fix can be if there are spelling errors or reporting errors on your original application. Hopefully, Chase will attempt to contact you first to correct the error before issuing a rejection.

These errors may need a simple correction including:

  • Name
  • Street address
  • Annual income
  • Monthly expenses
  • Mortgage payment amount
  • Social Security Number

Two Applications in 30 Days

You can only apply for one Chase credit card every 30 days. If this is your second application in the last 30 days, that&#;s probably why your application was rejected. After 30 days, you might try applying again.

Too Many New Credit Cards

Chase most likely won&#;t reverse your denial if you have too many new credit card accounts. There&#;s a restriction called the Chase 5/24 rule.

Simply put, if five or more credit cards in your wallet have been opened in the last 24 months, Chase declines your applications for most personal and small business credit cards. The accounts that count against you include cards where you&#;re an authorized user too.

You can re-apply when you have 4 or fewer credit cards younger than 24 months.

You won&#;t find anything about 5/24 on the Chase website. However, there are plenty of online testimonials from people with excellent credit but a wallet full of credit cards younger than 24 months. As you might guess, these testimonials have a common trend &#; a declined Chase credit card application.

If you fall prey to the 5/24 rule, your only options are to wait until you&#;re below 5/24 to apply again. A second option is applying for one of the best rewards credit cards from another bank. Other banks have more lenient application rules.

Low Creditworthiness

Even if you can responsibly manage your new account, your current credit factors may disqualify you.

Possibilities can include:

  • Low credit score
  • High debt-to-income ratio
  • High credit utilization on your current credit cards
  • Recent chargeoff for another credit card

Most Chase credit cards require a minimum credit score to have the best approval odds. However, it&#;s best to have at least a credit score if you want the Chase Sapphire Preferred® Card. The premium Chase Sapphire Reserve® requires an even higher credit score—an excellent credit score.

Both the Chase Sapphire Preferred or Chase Sapphire Reserve are some of the top Chase credit cards thanks to their numerous travel perks. It&#;s possible to get approved with a good credit score for the Preferred, but your application may need further review. You may even need to call the reconsideration line to plead for a second chance.

If the reconsideration line doesn&#;t work, your best alternative can be getting credit card pre-approval before you reapply for your desired Chase credit card.

High Credit Limits on Other Chase Credit Cards

If you own other Chase credit cards, your experience might be that your newer cards have lower initial credit limits than your first card. A single bank is only going to extend a certain amount of credit to each person depending on their current credit cards and annual income.

You may not qualify if your &#;available credit limit&#; is below the minimum initial limit. A prime example is the Chase Sapphire Reserve which has a minimum $10, starting limit. But if Chase is only willing to offer you up to $8, in new credit, you may not qualify for the Sapphire Reserve.

The easiest alternative can be choosing the Chase Sapphire Preferred that has a minimum $5, initial limit.

A second possibility can be seeing if Chase can reduce your credit limit on an existing card to qualify for a new card. This trick isn&#;t guaranteed to work, but it&#;s a bargaining chip worth exploring if you really want a new card.


The quickest way to check your Chase credit card application status can be by logging into your online Chase member account. However, a phone call also works and can be more effective if Chase requests further details.


How do I check my Chase credit card application?

You can either check your Chase credit card application status online or by phone. To check your status online, head to, log into your account, and click &#;Application Status.&#; When calling Chase, call the appropriate number below to check your application status:

  • Personal credit cards:
  • Business credit cards:

How long does it take for Chase to approve a credit card application?

Chase approves most credit card applications instantly. As soon as you click submit, you should receive a decision within 60 seconds.

However, some applications require further review. If that&#;s the case, you may receive a message stating one of these time estimates:

The most common waiting period is between 7 and 10 days. If Chase provides a reason for the delayed decision, you might be able to expedite the process by calling. Otherwise, you will need to wait up to 10 days.

What does it mean when your credit card application is under review?

Having a credit card application under review isn&#;t uncommon. Your application details or credit report likely have information that requires manual review.

Here are some reasons why you don&#;t get an instant decision:

  • Must verify your personal information or income
  • Recent credit inquiries
  • Spelling errors on the application
  • Low credit score
  • High credit utilization on current credit cards
  • Frozen credit report

It&#;s also possible that your application may also be delayed if the bank is overloaded with applications. For instance, there might be an exciting new credit card or limited-time signup bonus that has been launched. Calling can help you get an answer more quickly.

Related articles:

The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

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