Track your credit card applications and check your 5/24 status
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Fall-Off Timeline
Business Card Rules
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Chase business cards do NOT count toward 5/24. Chase Ink cards and other Chase business cards are not reported on your personal credit report, so they do not increase your 5/24 number. However, you still need to be under 5/24 to be approved for them.
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Capital One business cards do NOT count. Like Chase, Capital One does not report business cards to personal bureaus.
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American Express business cards DO count. Amex reports all business cards to personal credit bureaus. Every Amex business card you open adds to your 5/24 total.
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Discover business cards DO count. Discover also reports business cards on personal credit reports.
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US Bank, Citi, Barclays business cards do NOT count. These issuers generally do not report business cards to personal bureaus.
Chase Cards to Consider
You are under 5/24. Here are Chase cards worth considering:
Chase's 5/24 rule is an unofficial policy that automatically denies applications for most Chase credit cards if you have opened 5 or more personal credit card accounts (across all issuers) in the past 24 months. This rule was first widely reported in 2015 and has been consistently enforced since.
Which Chase cards are subject to the 5/24 rule?
Most Chase personal and business cards are subject to 5/24, including the Sapphire Preferred, Sapphire Reserve, Freedom Flex, Freedom Unlimited, and all Ink business cards. A small number of co-branded cards (such as the IHG and Marriott cards) have historically been exempt, but exemptions can change without notice.
Do business cards count toward 5/24?
It depends on the issuer. Chase, Capital One, and most small-bank business cards do NOT report to personal credit bureaus and therefore do NOT count toward your 5/24 number. However, American Express, Discover, and some other issuers DO report business cards on your personal credit report, so those WILL count toward 5/24.
How do I check my current 5/24 status?
Pull your credit report from any of the three major bureaus (Experian, TransUnion, Equifax) and count every new account opened in the last 24 months. You can also use this calculator -- add each card you have opened in the past two years, and it will compute your status automatically.
When does a card 'fall off' my 5/24 count?
A card stops counting toward 5/24 exactly 24 months after the account open date shown on your credit report. For example, if a card was opened on March 15, 2024, it falls off on March 1, 2026 (Chase typically counts by month, not by exact day). Use the timeline in this calculator to see your upcoming fall-off dates.
Can I get approved for Chase cards if I am over 5/24?
Generally no. Being over 5/24 results in an automatic denial for most Chase cards. Some data points suggest that certain co-branded cards (IHG, Marriott) may be obtainable with a pre-approved targeted offer, but this is not guaranteed. The most reliable strategy is to wait until enough cards fall off to bring you back under 5/24.