Difference between revisions of "Reciprocal museum programs"

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{{DISPLAYTITLE: Temp: {{Title|Chase 5/24}} (2018)}}
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{{DISPLAYTITLE: Temp - Reciprocal Museum Programs}}
{{seo|description=Optimize your credit card strategy and signup bonuses based on the Chase 5/24 rule.}}
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{{Page|article|home}}  
{{Page|article|Card Strategies}}  
 
  
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'''This page is still under construction.'''
Many of the the best travel and reward credit cards come from Chase. Unfortunately, because of something called the "Chase 5/24 rule", you may need to take special steps to get approved for these cards.
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{{/Box}}
 
 
<blockquote>
 
If you’ve already received 5 or more credit cards, during the previous 24 months, Chase won't approve your credit card application (regardless of your credit score or income).
 
</blockquote>
 
 
They don’t just count cards you received from Chase. They count all the (personal) cards you’ve received from any credit card company, and even include cards for which you were simply added as an authorized user.
 
 
 
If you are following our advice, you are about to start applying for a set of new credit cards—to take advantage of their travel benefits, signup bonuses, and/or reward earning rates. Once you hit the 5 card limit, you won’t be able to be approved for most Chase cards.
 
 
 
<blockquote>
 
As a result, we recommend that everyone sign up for these Chase cards first, and only after hitting the limit, continue on to other cards.
 
</blockquote>
 
 
 
The 5/24 rule doesn’t affect every Chase card. However, it affects most of their more attractive cards, specifically all their Ultimate Rewards cards (Sapphire, Freedom, Ink) and all of their airline and hotel cards. It doesn't affect a few of their other co-branded cards like the Amazon, Disney, Starbucks, and AARP card.
 
  
{{TOC}}
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{{Image|NARMMap.png|full}}  
Jump to:
 
*[[#General approach to the Chase 5/24 rule|General approach]]
 
*[[#1. Apply for any affected Chase 5/24 BUSINESS cards (if applicable)|1. Get as many Chase Business cards as you can]].
 
*[[#2. Prioritize getting any “critical” cards you can't get later|2. Get the critical Chase personal cards]]
 
*[[#3. Use any remaining slots for the affected Chase cards with the highest signup bonuses|3. Collect extra Chase 5/24 signup bonuses]]
 
*[[#4. After you've hit the 5/24 limit, fill out the rest of your core credit card collection|4. Fill out the rest of your core credit card collection]]
 
*[[#5. Finally, collect the best remaining “sign-up” bonuses|5. Collect the best remaining signup bonuses]]
 
*[[#Strategies to continue qualifying for the Southwest Companion Pass|Strategies to continue qualifying for the Southwest Companion Pass]]
 
*[[#Possibilities for bypassing the rule|Possibilities for bypassing the rule]]
 
*[[#Getting under Chase 5/24 again|Getting under Chase 5/24 again]]
 
{{/TOC}}
 
  
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{{TOC}}
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*[[#xxx|xxx]]
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{{/TOC}}
 
{{Main|article}}
 
{{Main|article}}
=== Prioritize getting any important Chase cards ===
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=== How reciprocal museum programs work ===
  
The number of new credit cards you've gotten in the past two years determines how many "slots" you still have left. For example, if you have received 2 new cards in the past 24 months, you'll have 3 slots left.
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When you become a member of any museum or attraction in the program, you get free access to all of the other participating locations. For example, if you join the Science Museum in your home town, you can freely visit dozens of science museums all around the country.  
  
If you really want any of these cards you are going to need to get them, before you hit the 5 card limit. Even if you don't decide to go crazy collecting signup bonuses, there is a good chance that you'll wind up hitting the 5/24 limit, just be adding some useful cards to your core credit card collection. Once you do, it may be a few years before you will be able to get any more of the affected Chase cards. If you are planning on collecting signup bonuses, it could be a much longer time are under 5/24.
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<ul class="bulletlist">
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<li>'''You usually are only entitled to "standard" admission'''. You usually need to pay extra for special exhibits, IMAX movies, and other valued-added attractions. Because these extras are often available as part of a discounted package, if you want the full experience, your discount might not amount to that much.</li>
  
Depending on your circumstances, you may not be able to get them all. You'll need to prioritize your choices or potentially wait for some additional time to elapse before signing up for other cards.  
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<li>'''Nearby museums are usually not included'''. With most programs, you WON'T get reciprocal access to any museums that are located close to your home museum. Sometimes "nearby" is defined by an official number of miles, other times it is any location in the same state, and sometimes it is ad-hoc. So, don't expect privileges with other museums in the same metropolitan area or state.</li>
  
There are also a few potentially important cards from other banks, where you are unlikely to get approved if you've signed up for too many other cards. Even though these cards will take up one of your available slots, if it is important to you, you'll need to get it early.  
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<li>'''Joining an out-of-state museum can provide access to all the locations that are close to your home'''. If you want privileges at all the museums in your area, you can often join a museum in some other city, rather than your favorite nearby museum. While you'll be blocked at locations located nearby the institution you join, you won't be blocked at any of your local locations. There are some downsides to this approach. Your membership money will be supporting the museum you join, rather than the one in your area; and you won't be able to take advantage of many other membership benefits, such as access to special member's only visiting hours or events. With some programs, this approach isn't even possible, as you'll be blocked to local museums based on the address on your ID, rather than the address of the museum you belong to.</li>
  
{{List|card}}
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<li>'''Reciprocal benefits are not available with many less expensive memberships'''. You'll need to join your local museum at a certain level. Each of the programs enforces a minimum membership cost to access reciprocal benefits. For example, no museum in the program can provide reciprocal benefits with any membership level that costs less than $100 per year.</li>
  
{{CardItem|SWAPriority}}
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<li>'''You can often get a membership discount'''. The best place to check is Groupon, but other promotional codes are sometimes available.</li>
'''If you want to get the Southwest Companion Pass, your top priority is usually to get a Southwest Airlines card.'''. If you frequently fly Southwest, the Southwest Companion Pass is one of the most lucrative deals in travel hacking. It provides 2 for 1 paid and award tickets on Southwest Airlines, and can be used an unlimited number of times, for up to two years. {Link|Companion Pass}}.
 
  
If you want to earn enough Southwest points to qualify, you really want to take advantage of the 40-60,000 point bonus you can receive by signing up for a new Southwest Airlines card.  
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<li>'''The number of guests depends on the type of membership you have'''. Typically, if you have an individual membership, you'll reciprocal benefits only apply to one person. If you have a family membership, you'll receive benefits based on the family membership of the museum you are visiting, not your home museum.</li>
  
Because you can only collect a signup bonus for one of their personal cards, every two years, we recommend getting the Priority version of the card  (unless one of the other cards currently has a higher signup bonus). The Priority cards's $75 travel credit and larger number of anniversary bonus miles more than make up for its higher annual fee. And you'll get some additional ongoing benefits for your future Southwest Airlines flights.  
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<li>'''Memberships are NOT typically based on the calendar year'''. They usually last for one year after you join. With some museums and attractions, it can take some time for you to receive your membership card. So, you'll need to apply weeks before you you plan to take advantage of any reciprocal benefits.</li>
  
{{CardItem|United}}
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<li>'''To get access, you'll need to carry your membership card'''. There is no way to look you up in some "member database". You'll need to have a valid membership card and photo ID.</li>
'''If you frequently fly United, you’ll want to make sure to get the United card, to get access to free checked bags and other benefits'''. You can potentially save some serious cash by getting and keeping the United credit card—it lets you and a companion avoid the fee on your first checked bag.  It is also useful for people who frequently fly United, because cardholders get increased availability for both “anytime” and “saver” award redemptions.  
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</ul>
  
{{CardItem|FreedomUnlimited}}
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=== Major reciprocal museum programs ===
'''Many people will want to get the Sapphire Reserve and Freedom Unlimited cards, to earn the highest reward rates on much of their spending'''. These cards work together to earn the best rewards for your travel and restaurant spending, and for any spending that doesn’t fit into a bonus category. [[Chase Unlimited Combo|Upgrade to the Chase Freedom Unlimited and Sapphire Reserve Card]].
 
  
The Chase Unlimited combo normally take TWO slots, one for each card. The Unlimited card's reward rate is not very interesting unless you have the Sapphire Reserve, Sapphire Preferred, or Ink Preferred card, so that you can transfer your Ultimate Reward points to their travel partners (or use them at more than 1 cent each to purchase travel). And none of the other cards earn more than 1x points on everyday purchases.  
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While there are many smaller or more specialized reciprocal programs such as the Empire State Museums Reciprocal Program (mix of museums in New York state) or Connections (photography museums around the country), that may be interesting based on your location or interest, the following programs include the widest range of the most popular museums and attractions.  
  
{{CardItem|SapphireReserve}}
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==== Art Museums ====
'''And as a side benefit, the Sapphire Reserve provides a number of valuable travel benefits like airport lounge access and primary rental car insurance'''. We highly recommend this combination of cards for most travelers. While this is usually our approach, some people may want to take an alternative strategy. If so, getting the Sapphire Reserve and Freedom Unlimited cards is not that critical. {{Link|advanced everyday}}.
 
  
{{CardItem|Altitude}}
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Unlike Science Museums, Zoos, and Children's Museums, Art Museum reciprocal programs are pretty fragmented. Some of the more significant programs include.  
'''Bank of America's Altitude Reserve card is a lucrative card for anyone who wants to optimize their rewards for credit card spending, and is hard to get approved for once you start signing up for a bunch of credit cards'''. It earns 4.5% back on any purchase you make with digital wallets, like Apple Pay. This allows you to earn extra rewards at any brick and mortar or online business that supports mobile wallets. And with Samsung Pay, you can earn 4.5% at any location where you swipe your credit card. To get this card, you'll need an account at U.S. Bank. Even then, it is hard to get approved, if you have too many recent inquiries or credit card accounts.  
 
  
As a result, if you want to be sure to get this card, get it early, even though it will effectively take up one of your Chase 5/24 slots.
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<ul class="checklist">
 +
<li>'''[//www.metmuseum.org/join-and-give/membership/faqs Metropolitan Reciprocal Membership Program]'''. Includes 15 of the top art museums in the country, anchored by the Met in NYC.</li>
  
{{CardItem|Hyatt}}
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{{Image|MET.jpg}}
'''If you stay at Hyatt on a semi-frequent basis, the Hyatt card's ability to earn additional elite night credits can make it indispensable'''. You'll earn 5 qualifying nights just by having the card, plus 2 additional qualifying nights for every $5,000 you spend. If this may help you get to a higher status level this year, or in some future year, you'll want to make sure to get the card, while you still can.  
+
 +
<li>'''[//www.artic.edu/support-us/membership/member-faqs Art Museum Reciprocal Membership Program]'''. Includes 15 of the top art museums in the country, anchored by Art Institute of Chicago. A few museums belong to both this program and the Met's program. </li>
  
'''Many other travelers may still want the card for its other ongoing benefits'''. If you've got room for one more card, you might want to get the Hyatt card, rather than just choosing a card with the highest possible signup bonus. You'll get a valuable free night certificate you get each year you have the card, the ability to get a second certificate, if you spend at least $15,000, and at least some extra status benefits of Hyatt.
+
<li>'''[//sites.google.com/view/marplist/participating-museums Museum Alliance Reciprocal Program]''' (MARP). Includes 32 major US art museums, but not quite at the same overall level as the Met and Art Institute programs.</li>
  
{{CardItem|Freedom}}
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{{Image|Guggenheim.jpg}}
'''The Chase “Freedom” card is interesting, but you are probably better off prioritizing other cards instead'''. The “Freedom” card is a different card than the “Freedom Unlimited”. It earns 5x points on purchases made in a set of categories that change every quarter. This is an incredible reward rate, since the points are worth around {{Value|ur}} cents each. These rewards, however, are capped at $1,500 of spending per quarter, so you can only earn up to an 30,000 bonus category points per year (or 21,000 points on top of the Unlimited Combo's base earning rate). It can take a bit of effort to use this card effectively, so be sure you are willing to take the time to follow this approach, before prioritizing this card too highly, especially because the signup bonus is so low. {{Link|Rotating Category}}.
 
{{/List|card}}
 
  
'''Any personal card you get, before you hit the limit, blocks your ability to get one of the affected Chase cards'''. If you sign up for a card from another bank, you'll have one less slot available for getting a Chase card. Because Chase has so many good cards affected by the rule, you'll miss out on getting a card with a lucrative signup bonus, and/or with valuable travel or reward benefits.
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<li>'''[//thewalters.org/support/membership/art-museum-reciprocal-network/ Art Museum Reciprocal Network]''' (AMRN). Similar to the MARP program, but a different cluster of major museums. </li>
  
If you really don't want to wait to take advantage of a particular credit card's benefits, you can consider getting it before you hit the Chase, rather than waiting until after. For example, even though it "wastes" a slot, you may want to get the Citi Prestige card (for its valuable 4th night free benefit), the Alaska Airlines card (for its companion certificate and checked bag benefit), or the Hilton Aspire card (for its free night certificate), so you can take advantage of their benefits for an upcoming trip; or you may want to take advantage of a particularly good promotional signup offer, while it is still available.
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<li>'''[//whitney.org/Support/Membership/ReciprocalProgram The Whitney Reciprocal Program]'''. Unlike the other programs, this isn't a mutual alliance amongst a group of museums. Rather, joining the Whitney ($140/2) gives you access to 16 other museums in the US and Europe, and joining any of those museums gives you access to the Whitney. But the various partner museums don't necessarily have any reciprocal benefits between themselves.</li>
 
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</ul>
{{Box|Timing Your Applications}}
 
'''You can't apply for all these cards at the same time'''. Chase limits you to a maximum of two new credit cards every month, but we wouldn't recommend getting more than one card per month or two. The faster you expand the amount of your credit with Chase, the more nervous Chase might get that you are going to become a credit risk. If you don't spend enough to quickly meet the minimum spending requirements to earn the signup bonuses, you'll need to slow down even more. You never want to miss qualifying for the bonus. {{Link|initial spend}}.
 
 
 
'''Once you've determined which cards you have room for, you can apply for them in whichever order is most convenient'''. For example, the Southwest Priority card may be your most important card, but you may want to wait until the end of the year to get it. So, you might get the Freedom Unlimited card first, to start earning a better reward rate on your everyday purchases. Or, if you have an upcoming trip on United Airlines, you might want to get the United card quickly, to take advantage of its free baggage benefit.
 
 
 
If you are planning to use one of your slots on the Altitude Reserve, you should get it as quickly as possible, to increase your odds of approval. Make sure to check out the Altitude Reserve guide, as their are some other steps you may need to take.  
 
{{/Box}}
 
  
=== Expand your options with business cards ===
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==== Others ====
 +
<ul class="checklist">
 +
<li>'''[//www.astc.org/passport/ Association of Science and Technology Centers Travel Passport]''' (ASTC). Provides benefits at over 350 museums in North America, plus a smattering of museums elsewhere in the world. Includes almost every large science museum, with the notable exceptions of the Exploratarium and the Academy of Sciences in San Francisco, the Academy of Natural Sciences in Philadelphia, and the Academy of Natural Sciences in New York. You won't have privileges at museums that are within 90 miles of your home address or your membership museum. [//www.astc.org/wp-content/uploads/2018/10/ASTCTravelPassport_6pt_Nov2018-Apr2019.pdf Participating Museums].</li>
  
Business credit cards help you partially get around the Chase 5/24 rule.  
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{{Image|BostonGenerator.jpg}}
  
<ul class="bulletlist">
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<li>'''[//narmassociation.org/ North American Reciprocal Membership]''' (NARM). This is the largest reciprocal museum program, with over 1,000 participating art, history, and specialty museums, primarily in the United States. Most of the hightest-profile museums are not members, but you'll get free access to many excellent museums in every corner of the country. [https://a1pir3oc6nm1k9qfq28au9qx-wpengine.netdna-ssl.com/wp-content/uploads/2019/01/NARM_Winter_2018-2019.pdf Participating Museums].</li>
<li>'''You can get as many small business credit cards as you want, without taking up any of your Chase 5/24 slots'''. Of all the major banks, only Capital One will add your business cards to your personal credit report. Because they aren't listed, they aren't counted against the 5 card limit.</li>  
 
  
<li>'''Most people are eligible to get small business cards'''. If you have kind of small business, even a side business that is not incorporated (like selling stuff online, doing odd jobs, working on a book or website. etc.), you can get small business cards. In most cases, you don't even need to have made any money yet. You just need to apply with your social security number and specify your business income. {{Link|Business Cards}}.</li>
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Most '''[//sites.google.com/site/roammuseums/home Reciprocal Organization of Associated Museums]''' (ROAM) members are also part of the much larger NARM program. But, if your membership includes both, you'll have access to some additional museums that are members are ROAM, but not NARM. [https://sites.google.com/site/roammuseums/home/list-of-roam-museums Participating Museums].
  
<li>'''If you are aiming for the Southwest Companion Pass, you'll definitely want to get the Southwest business card'''. You can earn a typical signup bonus of 60,000 points, independently of the bonus you can earn from one of their personal cards. Simply by signing up for a personal and a business version, and meeting the spending requirement, you will have enough points (or nearly enough) to qualify for the pass, as well as pay for over $3,000 in tickets.</li>  
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<li>'''[//www.aza.org/reciprocity Association of Zoos and Aquariums]''' (AZA). Provides reciprocal benefits at over 150 North American zoos and aquariums. It includes most major zoos, but a few of the most significant zoos (including the San Diego Zoo Bronx Zoo, and Brookfield Zoo) don't participate, and it doesn't provide benefits at most major aquariums.  [//www.aza.org/assets/2332/reciprocitychart.pdf Participating locations].</li>  
  
<li>'''Getting the Ink Unlimited card instead of the Freedom Unlimited card saves a slot, and earns you a more valuable bonus'''. Chase's Ink Unlimited earns the same 1.5x Ultimate Reward points per dollar as the Freedom Unlimited card and doesn't have an annual fee. But unlike the Freedom Unlimited, it doesn't take up one of your Chase 5/24 slots. Even better, you can earn a signup bonus of 50,000 points ($4,000 minimum spend), rather than 15,000 points ($500 minimum spend).</li>
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Unlike most of the other major programs, you usually only receive a 50% discount, rather than free admission. However, memberships with a smaller set of participating zoos and aquariums will give you free admission with that same set of locations (and 50% off everywhere else).
  
{{Card|InkUnlimited|guide}}
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{{Image|KansasCityZoo.png}}
  
<li>'''If you want the United card, you can save a slot by getting the business version instead of the personal version'''. It provides all the important benefits as the personal card (as well as a few additional benefits that probably don't add much additional value). But, it allows you to use up your slot on an additional Chase card, like the Hyatt card or one of the Avios cards.</li>
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<li>'''[//findachildrensmuseum.org/reciprocal-network/  Association of Children's Museums]''' (ACM). Provides benefits at around 200 different children's museums. Like the Zoo program, and unlike the other programs, you'll only receive 50% off the regular admission. Nearly every US children's museum participates, admission is good for up to six people, and the conveniently don't block privileges at nearby museums.  [http://childrensmuseums.org/images/Reciprocal-Brochure_1.17.19.pdf Participating Museums].</li>
  
<li>'''It is always valuable to save your slots by getting the business version of a card'''. Even if you have enough slots to get the cards that are most important to you, you can choose to use any remaining slots to collect lucrative signup bonuses from some of the other Chase cards.</li>
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<li>'''[http://timetravelers.mohistory.org/ Time Travelers]'''. Provides benefits at more than 300 historical sites and museums throughout the United State. [//csv.mohistory.org/static/pdf/institutions.pdf Participating Locations].</li>
 
 
<li>'''If there is a business version available, you don't have to wait to start taking advantage of useful credit card benefits from other banks'''. Rather than waiting until after you've hit the Chase 5/24 limit to start getting credit cards from other banks, you can get business cards at any time. For example, you could get the business version of the Alaska Airlines credit card to start getting free bags and a companion certificate, or the business version of the SPG credit card to start getting Marriott elite night credits and free night certificates, without using up any of your slots, or waiting until you are done applying for the Chase cards you need.</li>
 
 
 
<li>'''You need to get any Chase business cards BEFORE you hit the 5/24 limit'''. The way that Chase handles their own small business cards is confusing. Any business cards you get don't "count" as part of the total number of cards you've gotten in the last 24 months. So, if you've already gotten three cards, and you get two small business cards, your count will still be 3. But, once you've hit the 5/24 limit, you won't be able to get approved for any Chase business cards. For example, even though the United Business Explorer and Chase Ink Preferred card don't count against the limit, as soon as you hit the limit, you won't be able to get them.</li>  
 
 
</ul>
 
</ul>
  
{{Box|Getting the Ink Cards Before it is Too Late}}
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=== Access multiple programs with a single membership ===
At this point, you might not be particularly interested in the {{Card|InkPreferred|only}} and {{Card|InkCash|only}}. They don't have any special travel benefits, and you should be able to earn 3x Ultimate Reward points on travel spending with your Sapphire Reserve card.
 
  
{{Card|InkCash|guide}}
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Many museums belong to multiple reciprocal programs. Becoming a member one of these museums lets you enjoy the benefits of multiple programs for a single membership fee.
  
What they do offer is high reward rates on a variety of small business categories. Unless you have a more substantial business, there is a good chance you wouldn't naturally spend enough money in these bonus categories to make the cards worthwhile. But, as you get more sophisticated, there is a good chance that you wish you had at least one of these cards.
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==== Art Museums ====
  
Unfortunately, if you don't get them now, while you are still under 5/24, there is a good chance you can't get them later. Our advice is to try to signup for both cards now, collect the lucrative signup bonuses (a total of 130,000 Ultimate Reward points, valued at ${{Value|UR|130000}}), and keep at least the Ink Cash card (which has no annual fee) after the first year. If you apply separately with an EIN and a SSN, you may even be able to get two copies of each card, and collect double the signup points.
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<ul class="checklist">
  
Because Chase sometimes restricts the number of Ink cards you can receive, the order you apply is important. Apply for the Ink Preferred card first. It has the most valuable signup bonus and can be converted into either of the other cards after the first year. Then get the Ink Unlimited. Finally, get the Ink Cash.  
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<li>'''Both the Met and Art Institute Programs'''. A few museums belong to both of the most prestigious art museum programs.</li>
{{/Box}}
 
  
=== Use any remaining slots to collect signup bonuses ===
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<ul>
 +
<li>Qualifying membership at [//www.philamuseum.org/membership/?page=2 Philadelphia Museum of Art] costs $250 and also includes a membership in AMRN.</li>
  
<ul class="bulletlist">
+
<li>The [//www.lacma.org/membership/join/levels/friend Los Angeles County Museum of Art] (LACMA) costs $250 and also includes reciprocal benefits with the Whitney.</li>  
<li>'''If you are willing and able to use business cards, you can collect bonuses from  every Chase business card'''. As mentioned above, you just need to sign up before you hit the 5/24 limit. You might have already decided to get the Ink Unlimited, United Business Explorer, and/or Southwest Business Premier cards; and if you are following our recommendations, you should be planning to get at least one of the Ink Preferred and Ink Cash cards. That leaves the Marriott Business card as the remaining option, plus any of the cards mentioned above that you weren't already planning to get.</li>  
 
  
<li>'''If you have any remaining personal slots, you can use them to collect signup bonuses'''.</li>
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<li>The [//www.dma.org/support-partners/dma-members Dallas Museum of Art] costs $250 and also includes a membership in the Western Reciprocal Museum Program and ROAM.</li>
 +
</ul>
  
{{List|Card}}
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<li>'''One of the Met or Art Institute plus more'''. A few museums belong to either the Met program or the Art Institute and one of the next tier programs (MARP or AMRN).</li>
{{CardItem|SapphirePreferred}}
 
'''If you aren't already planning on getting a Sapphire card, it is usually the best option'''. If you are already getting the Sapphire Reserve, you can't also earn a bonus on the Sapphire Preferred. Chase only allows earning the bonus on one Sapphire card every two year. But, if you aren't planning on getting the Sapphire Reserve, sign up for the Sapphire Preferred to earn its 50,000 Ultimate Reward point bonus. The annual fee is waived the first year.  
 
  
{{CardItem|Hyatt}}
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{{Table|Basic}}
'''If you want to focus on points that are easy to use, get the Hyatt and/or a Southwest Airlines card next'''. It is easy to redeem your points with both programs, and both cards provide other useful benefits. As mentioned above, you can only receive the bonus on one of the personal Southwest Airlines cards every two years.
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!Museum
 +
!style="width: .5in;"|Fee
 +
!style="width: .5in;"|Met
 +
!style="width: .5in;"|Chicago
 +
!style="width: .5in;"|MARP
 +
!style="width: .5in;"|AMRN
 +
!style="width: .5in;"|WRMP
 +
!style="width: .5in;"|NARM
 +
!style="width: .5in;"|ROAM
 +
!style="width: 1in;"|Other
 +
|-
 +
|[//denverartmuseum.org/membership-support/membership-details-benefits Denver Art Museum]
 +
|$150||y|| || ||y|| || || ||[//museumswest.org/ Museums West]
 +
|-
 +
|[//discovernewfields.org/give-and-join/become-member Newfields] (Indianapolis Art Museum)
 +
|$250||y|| ||y|| || ||y||y||[//ahsgardening.org/gardening-programs/rap/find/statebystate AHS]
 +
|-
 +
|[//www.clevelandart.org/join-and-give/membership-and-circles/about-membership Cleveland Museum of Art]
 +
|$250|| ||y||y||y|| || || ||
 +
|-
 +
|[//www.mfah.org/membership/levels/ Museum of Fine Arts] (Houston)
 +
|$185|| ||y||y|| || || || ||
 +
|-
 +
|[//walkerart.org/support/membership/ Walker Art Center] (Minneapolis)
 +
|$125|| ||y||y|| || || || ||Whitney
 +
|-
 +
|[//nelson-atkins.org/join/member-benefits/reciprocal-membership-programs/ Nelson Atkins Museum] (Kansas City)
 +
|$250|| ||y|| ||y|| ||y||y||
 +
{{/Table|Basic}}
  
{{CardItem|Iberia}}
+
</ul>
'''If you can generate a lot of credit card spending, and the promotional offers are still available, you may want to get one or more of the Avios cards'''. Signup bonuses on the British Airways, Iberia, and Aer Lingus cards can be up to 100,000 points. You'll get 50,000 points if you spend $3,000 in the first 3 months, an additional 25,000 points if you spend $10,000 in your first year, and another 25,000 points if you can spend $20,000. 
 
  
Since you can transfer points between these three programs, it doesn't matter very much which of the three cards you get. However, they all offer different companion certificates, so read the guide to determine which card works best for you.
+
==== Others ====
  
{{CardItem|United}}
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<ul class="checklist">
'''Otherwise the United Explorer is a good option''', typically offering 40,000 United miles.  
+
<li>'''Science museums and zoos'''. A handful of places are members of both the Science Museum and Zoo programs.</li>
  
{{CardItem|Marriott}}
+
<ul>
'''Don't bother with the Marriott card'''. Since you can't get both the Marriott card and the SPG card, and the SPG card has a similar bonus, it is better to use your Chase slot for another card, and get the SPG card from Amex if you want the Marriott points.  
+
<li>Qualifying membership at the [//www.boonshoftmuseum.org/membership/ Boonshoft Museum of Discovery] (Dayton, Ohio) costs $115 for a family, but provides the option to join at a $145 level and also qualify for the Children's Museum program. Both include free admission, rather than 50% off, at a subset of the participating Zoos.</li>
  
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{{Image|BoonshoftMembershipLevels.png}}
  
<li>'''There is some risk of getting too many Chase cards'''. Each time you apply, Chase reevaluates your entire relationship. If they decide that you are a potential risk, they can shut down all your accounts. Some people can get them reinstated, and some can't. Unfortunately, there isn't really a clearly identifiable pattern, so there are no hard and fast rules to follow. We wouldn't get more than a total of 8 Chase cards, including small business cards. This won't guarantee that you avoid a shutdown, but seems like a reasonable trade-off between risk and reward.</li>  
+
<li>Qualifying Membership at the [//wildwnc.org/membership Western North Carolina Nature Center] (Asheville, NC) is only $34 for one person, $49 for two, and $69 for a family, and your membership entitles you to free admission, rather than 50% off at a subset of participating Zoos. At the [//www.lszooduluth.org/visit/membership/ Lake Superior Zoo] (Duluth, Minnesota), qualifying family membership is only $75.</li>
  
It is also worthwhile to start reducing the credit limits on your existing Chase cards, before you apply for more.  
+
<li>Other options are he [//curiodyssey.org/membership/reciprocal-program/ CuriOdyssey] (San Mateo, California),  [//www.mos.org/membership Museum of Science] (Boston, Massachusetts), [//www.greensboroscience.org/get-involved/membership/index.html Greensboro Science Center] (Greensboro, NC), and [//www.lifeandscience.org/benefits Museum of Life and Science] (Durham, NC).</li> 
 
</ul>
 
</ul>
  
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<li>'''Science, Art, History, and Specialty museums'''. A handful of museums are members of both the Science Museum program and of the North American Reciprocal Museum program. You'll need to pay at least $100 for any membership that includes NARM privelges. If you aren't interested, there are some Science Museum only options that are as low as $50/family, such as the [//www.eaa.org/shop/Membership/Join.aspx Experimental Aircraft Association].</li>
The Barclays Arrival Plus offers a signup bonus of at least 50,000 points, worth 1 cent each towards almost any travel purchase. It is usually only available to people who are under a 6 cards in 24 month limit. So, if you are collecting signup bonuses (or collecting cards with 2% cashback rates), a good time to get it is just after you use up your last Chase 5/24 slot.  
 
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=== Strategies to continue qualifying for the Southwest Companion Pass ===
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<ul>
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<li>The [//kerncountymuseum.org/membership-1/ Kern County Museum] (Bakersfield, CA) also includes benefits in ROAM and at Children's Museums. Qualifying membership is $125/family, and also includes benefits at a hundreds of historical sites through the [//timetravelers.mohistory.org/ Time Travelers] program.</li>
  
If you qualify for a Southwest companion pass, by earning your signup bonuses towards the beginning of the year, you will have access to the pass for almost two years (the pass is good until the end of the year following when you qualify for it).  
+
{{Image|KernCounty.png}}
  
When the pass expires, most people will to want to re-qualify for it. But to do that, you’ll need to be under the Chase 5/24 limit, so that you can reapply for the cards.  
+
<li>The [//www.cmog.org/get-involved/membership Corning Museum of Glass] (Corning, NY) and [//www.burkemuseum.org/membership Burke Museum] (Seattle, WA) also include benefits in ROAM, but memberships are more expensive. </li>
  
<ul class="bulletlist">
+
<li>The [//greatex.org/memberships/ Great Explorations Children's Museum] (Saint Petersburg, FL) and [//www.theclaycenter.org/join/membership/ Clay Center for the Arts and Sciences] (Charleston, WV) also include benefits at Children's Museums. Qualifying memberships are $150 per family.</li>  
<li>'''The simplest approach is to have one person stick to a smaller number of cards'''. Every two years, they are eligible for a total of 5 personal cards. As long as you sign up for the Southwest Business card first, you can get the Southwest personal card, as well as four other personal cards during every each two year period. The other person doesn’t have to worry about the signup limit, and can sign up for as many cards as they want.  </li>
 
  
<li>'''The skip-a-year method'''. Under this approach, you get all the credit cards which are most important to you, including the Southwest Airlines cards, during the first year. That way, you can be sure to get all the cards you want for your core credit card collection, and collect all the best signup offers. Then, you stop signing up for new credit cards. A year later, your Southwest pass will expire, but you won’t be able to immediately re-qualify. Then, about two years after you finished your initial burst of signup activity, you’ll back under the limit, and will be able to apply for the Southwest Airlines cards again. Depending on how quickly you acquired the other cards you want, you may only need to live without the pass for 12-18 months.</li>
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<li>A qualifying membership at the [//evansvillemuseum.org/product/patron-membership/ Evansville Museum of Art, History, and Science] (Evansville, IN) only costs $100, and includes the [//timetravelers.mohistory.org/ Time Travelers] program as well as NARM and ASTC.</li>  
</ul>
 
  
=== Possibilities for bypassing the rule ===
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<li>A qualifying membership [//minnetrista.net/home/about-minnetrista/get-involved/membership/ Minnestrista] (Muncie, IN) costs $125/family and also includes reciprocal benefits at [//ahsgardening.org/gardening-programs/rap/find/statebystate American Horticultural Society] members.</li>
  
While is almost impossible to get approved for the affected cards, if you are over the 5/24 limit, it is not completely impossible.  
+
<li>Other options include the Powerhouse Science Center (Sacramento, CA), Yale Peabody Museum (New Haven, CT), Delaware Museum of Natural History (Wilmington, DE), Hagley Museum (Wilmington, DE), Museum of Arts and Sciences (Daytona Beach, FL), South Florida Museum (Bradenton, FL), Peoria Riverfront Museum (Peoria, IL), Indiana State Museum (Indianapolis, IN), Grout Museum District (Waterloo, IA), Berkshire Museum (Pittsfield, MA), Springfield Museums (Springfield, MA), Air Zoo (Portage, MI), Farmington Museum (Farmington, NM), Cape Fear Museum of History & Science (Wilmington, NC), The Works (Newark, OH), University of Oregon Museum of Natural and Cultural History (Eugene, OR), Reading Public Museum (Reading, PA), McDonald Observatory (Fort Davis, TX), The Reach (Richland, WA), and Wenatchee Valley Museum (Wenatchee, WA).</li>
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</ul>
  
<ul class="bulletlist">
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<li>'''Science and Children's Museums'''. There is a lot of overlap between the Science Museum and Children's Museum programs. Many museums belong to both. As listed above, the Boonshoft museum also includes membership in both programs plus the the Zoo program, the Kern Museum in both programs plus NARM and ROAM, and the Great Explorations and Clay Center in both programs plus NARM.</li>  
<li>'''If you are “pre-approved” in-branch, you will usually be able to get the card, even if you are over 5/24'''. You need to ask your banker to see if you are pre-approved for any cards, and fill out the application in the branch. Just be aware that there isn’t a high likelihood that you will qualify for any pre-approved offers if you are over 5/24.</li>
+
 
 
<li>'''If you have a more significant business, you may be able to get approved for additional cards, even if you are over the limit'''. You will need to have your own “Business Relationship Manager”, and fill out a paper-based application form. For this to work, you usually need to be doing a significant amount of business-related banking with Chase.</li>
 
 
 
<li>'''Being a Chase Private Client no longer exempts you from the rule'''. During the earlier days of the Chase 5/24 rule, Chase didn’t always apply the rule to its best customers. If you were a Chase Private Client, your application might still get approved, or you could wind up getting up approved by having your personal banker help you with the reconsideration process. While anything is possible, this is no longer working for most people.</li>
 
 
</ul>
 
</ul>
  
=== Getting under Chase 5/24 again ===
 
 
Our basic approach to the Chase 5/24 rule is simple. Sign up for as many affected cards as you can, move onto other cards, and don’t look back.
 
  
'''But, if Chase cards are extremely important to you, you can use a one-year-on, two-years-off strategy'''. With this approach, you go crazy with credit cards sign-ups, and then go (close to) cold-turkey for two years. At the end of your two-year abstinence, you can sign up for up to a set of Chase cards again, then a bunch of other credit cards, and then possibly go cold-turkey again.
 
  
During the two “down years”, you can always sign-up for a particularly amazing or useful card. You’ll still get under the 5-card limit around the same time. You just will have room for one less Chase card, when you do. And, you can still sign-up for business cards the entire time.
 
  
Also, there is no hard and fast rule about how long your active period should be. You could limit it to six months, so you can get Chase cards every 2.5 years; or you can lengthen it out to 2 years, and wait to get Chase cards every four years.
 
  
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How reciprocal museum programs work

When you become a member of any museum or attraction in the program, you get free access to all of the other participating locations. For example, if you join the Science Museum in your home town, you can freely visit dozens of science museums all around the country.

  • You usually are only entitled to "standard" admission. You usually need to pay extra for special exhibits, IMAX movies, and other valued-added attractions. Because these extras are often available as part of a discounted package, if you want the full experience, your discount might not amount to that much.
  • Nearby museums are usually not included. With most programs, you WON'T get reciprocal access to any museums that are located close to your home museum. Sometimes "nearby" is defined by an official number of miles, other times it is any location in the same state, and sometimes it is ad-hoc. So, don't expect privileges with other museums in the same metropolitan area or state.
  • Joining an out-of-state museum can provide access to all the locations that are close to your home. If you want privileges at all the museums in your area, you can often join a museum in some other city, rather than your favorite nearby museum. While you'll be blocked at locations located nearby the institution you join, you won't be blocked at any of your local locations. There are some downsides to this approach. Your membership money will be supporting the museum you join, rather than the one in your area; and you won't be able to take advantage of many other membership benefits, such as access to special member's only visiting hours or events. With some programs, this approach isn't even possible, as you'll be blocked to local museums based on the address on your ID, rather than the address of the museum you belong to.
  • Reciprocal benefits are not available with many less expensive memberships. You'll need to join your local museum at a certain level. Each of the programs enforces a minimum membership cost to access reciprocal benefits. For example, no museum in the program can provide reciprocal benefits with any membership level that costs less than $100 per year.
  • You can often get a membership discount. The best place to check is Groupon, but other promotional codes are sometimes available.
  • The number of guests depends on the type of membership you have. Typically, if you have an individual membership, you'll reciprocal benefits only apply to one person. If you have a family membership, you'll receive benefits based on the family membership of the museum you are visiting, not your home museum.
  • Memberships are NOT typically based on the calendar year. They usually last for one year after you join. With some museums and attractions, it can take some time for you to receive your membership card. So, you'll need to apply weeks before you you plan to take advantage of any reciprocal benefits.
  • To get access, you'll need to carry your membership card. There is no way to look you up in some "member database". You'll need to have a valid membership card and photo ID.

Major reciprocal museum programs

While there are many smaller or more specialized reciprocal programs such as the Empire State Museums Reciprocal Program (mix of museums in New York state) or Connections (photography museums around the country), that may be interesting based on your location or interest, the following programs include the widest range of the most popular museums and attractions.

Art Museums

Unlike Science Museums, Zoos, and Children's Museums, Art Museum reciprocal programs are pretty fragmented. Some of the more significant programs include.

  • Metropolitan Reciprocal Membership Program. Includes 15 of the top art museums in the country, anchored by the Met in NYC.
  • MET.jpg
  • Art Museum Reciprocal Membership Program. Includes 15 of the top art museums in the country, anchored by Art Institute of Chicago. A few museums belong to both this program and the Met's program.
  • Museum Alliance Reciprocal Program (MARP). Includes 32 major US art museums, but not quite at the same overall level as the Met and Art Institute programs.
  • Guggenheim.jpg
  • Art Museum Reciprocal Network (AMRN). Similar to the MARP program, but a different cluster of major museums.
  • The Whitney Reciprocal Program. Unlike the other programs, this isn't a mutual alliance amongst a group of museums. Rather, joining the Whitney ($140/2) gives you access to 16 other museums in the US and Europe, and joining any of those museums gives you access to the Whitney. But the various partner museums don't necessarily have any reciprocal benefits between themselves.

Others

  • Association of Science and Technology Centers Travel Passport (ASTC). Provides benefits at over 350 museums in North America, plus a smattering of museums elsewhere in the world. Includes almost every large science museum, with the notable exceptions of the Exploratarium and the Academy of Sciences in San Francisco, the Academy of Natural Sciences in Philadelphia, and the Academy of Natural Sciences in New York. You won't have privileges at museums that are within 90 miles of your home address or your membership museum. Participating Museums.
  • BostonGenerator.jpg
  • North American Reciprocal Membership (NARM). This is the largest reciprocal museum program, with over 1,000 participating art, history, and specialty museums, primarily in the United States. Most of the hightest-profile museums are not members, but you'll get free access to many excellent museums in every corner of the country. Participating Museums.
  • Most Reciprocal Organization of Associated Museums (ROAM) members are also part of the much larger NARM program. But, if your membership includes both, you'll have access to some additional museums that are members are ROAM, but not NARM. Participating Museums.

  • Association of Zoos and Aquariums (AZA). Provides reciprocal benefits at over 150 North American zoos and aquariums. It includes most major zoos, but a few of the most significant zoos (including the San Diego Zoo Bronx Zoo, and Brookfield Zoo) don't participate, and it doesn't provide benefits at most major aquariums. Participating locations.
  • Unlike most of the other major programs, you usually only receive a 50% discount, rather than free admission. However, memberships with a smaller set of participating zoos and aquariums will give you free admission with that same set of locations (and 50% off everywhere else).

    KansasCityZoo.png
  • Association of Children's Museums (ACM). Provides benefits at around 200 different children's museums. Like the Zoo program, and unlike the other programs, you'll only receive 50% off the regular admission. Nearly every US children's museum participates, admission is good for up to six people, and the conveniently don't block privileges at nearby museums. Participating Museums.
  • Time Travelers. Provides benefits at more than 300 historical sites and museums throughout the United State. Participating Locations.

Access multiple programs with a single membership

Many museums belong to multiple reciprocal programs. Becoming a member one of these museums lets you enjoy the benefits of multiple programs for a single membership fee.

Art Museums

Others

  • Science museums and zoos. A handful of places are members of both the Science Museum and Zoo programs.
    • Qualifying membership at the Boonshoft Museum of Discovery (Dayton, Ohio) costs $115 for a family, but provides the option to join at a $145 level and also qualify for the Children's Museum program. Both include free admission, rather than 50% off, at a subset of the participating Zoos.
    • BoonshoftMembershipLevels.png
    • Qualifying Membership at the Western North Carolina Nature Center (Asheville, NC) is only $34 for one person, $49 for two, and $69 for a family, and your membership entitles you to free admission, rather than 50% off at a subset of participating Zoos. At the Lake Superior Zoo (Duluth, Minnesota), qualifying family membership is only $75.
    • Other options are he CuriOdyssey (San Mateo, California), Museum of Science (Boston, Massachusetts), Greensboro Science Center (Greensboro, NC), and Museum of Life and Science (Durham, NC).
  • Science, Art, History, and Specialty museums. A handful of museums are members of both the Science Museum program and of the North American Reciprocal Museum program. You'll need to pay at least $100 for any membership that includes NARM privelges. If you aren't interested, there are some Science Museum only options that are as low as $50/family, such as the Experimental Aircraft Association.
    • The Kern County Museum (Bakersfield, CA) also includes benefits in ROAM and at Children's Museums. Qualifying membership is $125/family, and also includes benefits at a hundreds of historical sites through the Time Travelers program.
    • KernCounty.png
    • The Corning Museum of Glass (Corning, NY) and Burke Museum (Seattle, WA) also include benefits in ROAM, but memberships are more expensive.
    • The Great Explorations Children's Museum (Saint Petersburg, FL) and Clay Center for the Arts and Sciences (Charleston, WV) also include benefits at Children's Museums. Qualifying memberships are $150 per family.
    • A qualifying membership at the Evansville Museum of Art, History, and Science (Evansville, IN) only costs $100, and includes the Time Travelers program as well as NARM and ASTC.
    • A qualifying membership Minnestrista (Muncie, IN) costs $125/family and also includes reciprocal benefits at American Horticultural Society members.
    • Other options include the Powerhouse Science Center (Sacramento, CA), Yale Peabody Museum (New Haven, CT), Delaware Museum of Natural History (Wilmington, DE), Hagley Museum (Wilmington, DE), Museum of Arts and Sciences (Daytona Beach, FL), South Florida Museum (Bradenton, FL), Peoria Riverfront Museum (Peoria, IL), Indiana State Museum (Indianapolis, IN), Grout Museum District (Waterloo, IA), Berkshire Museum (Pittsfield, MA), Springfield Museums (Springfield, MA), Air Zoo (Portage, MI), Farmington Museum (Farmington, NM), Cape Fear Museum of History & Science (Wilmington, NC), The Works (Newark, OH), University of Oregon Museum of Natural and Cultural History (Eugene, OR), Reading Public Museum (Reading, PA), McDonald Observatory (Fort Davis, TX), The Reach (Richland, WA), and Wenatchee Valley Museum (Wenatchee, WA).
  • Science and Children's Museums. There is a lot of overlap between the Science Museum and Children's Museum programs. Many museums belong to both. As listed above, the Boonshoft museum also includes membership in both programs plus the the Zoo program, the Kern Museum in both programs plus NARM and ROAM, and the Great Explorations and Clay Center in both programs plus NARM.






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