Chase's 5/24 rule denies applications if you've opened 5+ personal cards in 24 months. Enter your cards below to check your status and find the best time to apply for a Chase card.
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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.
Cards Potentially Exempt from 5/24
These Chase co-branded cards have been reported as sometimes bypassing 5/24 via targeted pre-approval offers. Exemptions can change at any time.
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IHG One Rewards Premier — Historically exempt via targeted in-branch or email offers
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Marriott Bonvoy Boundless — Occasionally bypasses 5/24 via pre-approval in Chase branches
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United Club Infinite — Some data points of approval over 5/24 via targeted United offers
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Southwest Priority / Plus / Premier — Occasional targeted exemptions reported
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NOT exempt: Sapphire Preferred, Sapphire Reserve, Freedom Flex, Freedom Unlimited, all Ink business cards — these always require under 5/24
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.
Do authorized user accounts count toward 5/24?
Yes, authorized user accounts DO count toward your 5/24 total because they appear on your personal credit report as open accounts. However, if you are denied due to authorized user accounts, you can call Chase reconsideration and explain that the accounts are AU accounts, not your own applications. Some people have successfully had AU accounts excluded during recon.
Which Chase cards are exempt from the 5/24 rule?
A small number of Chase co-branded cards have historically been exempt from 5/24, including certain IHG, Marriott, United Club, Southwest Priority, and Ritz-Carlton cards. However, exemptions change without notice. Currently, most Chase cards — including all Sapphire, Freedom, and Ink cards — are subject to 5/24. Check the exempt cards list in this calculator for the latest known exemptions.
What are the exceptions to the Chase 5/24 rule?
The main Chase 5/24 rule exceptions involve certain co-branded hotel cards (IHG, Marriott Bonvoy) and a few select airline cards that have periodically bypassed the rule. In-branch pre-approved offers and targeted mailers with fixed APR terms have also been reported to bypass 5/24. These exceptions are not officially confirmed by Chase and can change at any time.
Does the 5/24 rule apply to all credit card issuers?
No. The credit card 5/24 rule is specific to Chase. Other issuers have their own application restrictions — for example, Amex has a once-per-lifetime bonus rule and Citi has a 48-month rule for sign-up bonuses. However, Chase's 5/24 is the most restrictive because it considers cards opened at any issuer, not just Chase cards.
Can I get a Chase business card if I am over 5/24?
No. Chase Ink business cards (Ink Business Preferred, Ink Business Cash, Ink Business Unlimited) are all subject to the 5/24 rule. However, business cards from Chase do not report on your personal credit report, so opening a Chase business card does not add to your 5/24 count for future applications.
How do I plan my credit card applications around the 5/24 rule?
The best strategy is to apply for Chase cards first while you are under 5/24, then move to other issuers (Amex, Citi, Capital One) that do not have a similar restriction. Use this 5/24 calculator to track your count and plan your next application window based on when existing cards fall off your 24-month count.
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The Complete Guide to Chase's 5/24 Rule
What Is the Chase 5/24 Rule?
Chase's 5/24 rule is an internal underwriting policy that automatically declines most credit card applications from consumers who have opened five or more new credit card accounts in the past 24 months. Chase does not officially acknowledge the rule by name, but it has been consistently reported since 2015 by the points-and-miles community and remains one of the most influential restrictions in travel hacking. The rule counts new accounts across all issuers — not just Chase — making it broader than most issuers' application limits.
Which Chase Cards Are Subject to 5/24?
The 5/24 rule applies to virtually all Chase-branded credit cards, including:
All Chase Ink Business cards (Ink Preferred, Ink Cash, Ink Unlimited)
Most Chase co-branded cards (United, Marriott, IHG, Hyatt, Disney)
A few co-branded cards have been reported as occasionally exempt — specifically certain IHG and Marriott offers delivered via targeted mailers — but these exceptions are unofficial and unreliable. Treat every Chase card as subject to 5/24 unless you have specific data saying otherwise.
What Counts Toward 5/24?
Any account that appears on your personal credit report as a new revolving account within the last 24 months counts toward 5/24. This includes:
Personal credit cards from any issuer (Chase, Amex, Citi, Capital One, etc.)
Authorized user accounts — if the primary account appears on your personal credit report
Business cards from Amex, Discover, and some smaller issuers that report on personal bureaus
What does NOT count toward 5/24: Chase business cards (Ink cards), Capital One business cards, most other bank business cards, and charge cards that do not appear on personal credit reports.
Business Cards and the 5/24 Rule
This is where many applicants get confused. Chase Ink business cards are subject to the 5/24 rule — you cannot get an Ink card if you are over 5/24. However, once you have an Ink card, it does not add to your 5/24 count because Chase business cards do not report to personal credit bureaus. This creates a powerful strategy: apply for Ink cards while you are under 5/24, and they do not consume any of your future 5/24 "slots." Amex business cards, by contrast, DO report to personal bureaus and therefore count toward 5/24 unless you successfully dispute them.
Strategies for Working Around 5/24
If you are currently at or near 5/24, there are several proven strategies:
1. Chase-first strategy. If you are new to travel credit cards, apply for Chase cards before any other issuer. Once you have your target Chase cards (Sapphire Preferred + Freedom Unlimited, for example), you can open cards from Amex and Citi without restriction. Chase is the only major issuer that will hard-deny you for having too many recent accounts at other banks.
2. Use the 5/24 waiting period productively. If you are over 5/24, the wait is not wasted time. Apply for Amex Membership Rewards cards (Gold, Platinum) and Citi ThankYou cards (Strata Premier) — both are flexible-points programs that transfer to most of the same airline and hotel partners as Chase Ultimate Rewards. By the time you drop below 5/24, you will have earned a large points balance ready to transfer.
3. Remove authorized user accounts. If you are added as an authorized user on another person's card and that account is pushing you over 5/24, ask the primary cardholder to remove you from the account. The account should drop off your credit report within 1-2 billing cycles, potentially reducing your 5/24 count.
4. Use reconsideration for AU accounts. If Chase denies you and some of the new accounts are authorized user additions (not your own applications), call the Chase reconsideration line (1-800-453-9719) and explain the situation. Some reports indicate Chase will exclude AU accounts from the count during manual review, though this is not guaranteed.
How 5/24 Compares to Other Issuer Rules
Chase is not the only issuer with application restrictions, but it is the most restrictive because it considers your entire credit card history across all banks. Here is a comparison of the major issuer application rules:
Issuer
Rule
Scope
Chase
5/24 — hard deny if 5+ new accounts in 24 months
All issuers
Amex
Once-per-lifetime bonus rule; 1 card/90 days; max 4-5 cards
Amex cards only
Citi
One bonus per card family per 48 months; 1 card/8 days
Citi cards only
Capital One
1 personal card per 6 months; hard pulls both Equifax and TransUnion
Capital One cards
Discover
1 card at a time; must have card for 12 months before second
Discover cards only
Understanding these rules helps you sequence applications to maximize approvals and sign-up bonuses. The MCC lookup tool can help you identify which categories your new cards earn bonus rewards in. You can also review all credit card rankings to plan your next application.
Optimal Chase Card Application Order
If you are starting fresh with zero Chase cards, here is the recommended order based on annual fee, point value, and sign-up bonus size:
Chase Sapphire Preferred ($95/yr) — Best first Chase card. Large sign-up bonus, 3x dining and travel, transfers to 14 partners. Points worth 1.25x in Chase Travel portal.
Chase Freedom Unlimited ($0/yr) — Apply same day as CSP or shortly after. 1.5% on all purchases pairs with CSP to boost combined earning. Points pool together.
Chase Freedom Flex ($0/yr) — 5% on rotating categories (up to $1,500/quarter) plus 5% on Chase Travel. Stack with Freedom Unlimited for maximum flexibility.
Ink Business Preferred ($95/yr) — Best Chase business card. 3x on travel and select business categories. Does not add to 5/24 after approval.
Upgrade to Sapphire Reserve — After 48 months on the Sapphire Preferred, product change to the Reserve for the $300 travel credit and Priority Pass lounge access.
Chase application rules and card terms are subject to change without notice. Verify current offers and requirements directly with Chase before applying. PointsPick does not guarantee approval or any specific bonus amount.