6 Chase Travel Cards Not Restricted by the “5/24 Rule”

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Chase offers terrific credit cards with great perks and benefits to use for Big Travel.  But tougher application rules have made it more difficult to get approved for many cards issued by Chase.

But certain Chase cards are NOT impacted by the stricter rules.  Like The Hyatt Credit Card, which gets you 2 free nights at any Hyatt after meeting minimum spending requirements.

6 Chase Travel Cards Not Restricted By The 5/24 Rule

The Tougher Chase Application Rules Don’t Apply to ALL Chase Cards! You Can Still Get the Chase Hyatt Card and Earn 2 Free Nights at Any Hyatt Hotel Like the Park Hyatt Sydney!

I’ll explain which Chase cards are not affected by the rules!

Chase “5/24 Rule”

Earlier this year, Chase started to make it difficult for folks to be approved for Chase cards if you’ve opened ~5 or more credit cards (from any bank) in the past 24 months (excluding certain business cards).

Cards like the Chase Freedom, Chase Sapphire Preferred, and others have been harder to get.

There has not been an official rule announced by Chase.  But based on reader experiences and other sources like Doctor of Credit and Reddit, we’ve learned not all Chase cards are impacted by the rule.

Which Chase Travel Cards Are NOT Affected?

Folks with lots of recent credit cards have been approved for these 6 Chase travel cards:

Here are some of the perks you can get with these 6 cards.

Chase Ritz-Carlton

Link:   Chase Ritz-Carlton 

Link:   My Review of the Chase Ritz-Carlton

The Ritz-Carlton card is one of the top hotel credit cards for elite status and great perks like room upgrades and and bonus points on stays.

And with the current sign-up bonus, you can earn 3 complimentary nights at Ritz-Carlton tier 1 through 4 hotels anywhere in the world.  This can get you savings of more than $2,000 depending on where you redeem the nights!

6 Chase Travel Cards Not Restricted By The 5/24 Rule

The Chase Ritz-Carlton Card Sign-Up Bonus Could Get You 3 Free Nights at The Ritz-Carlton, Half Moon Bay! And You’ll Have Extra Perks With Automatic Gold Elite Status!

This card also gets you a $300 annual travel credit to use for qualifying airline purchases such as seat upgrades, baggage fees, and preferred lounge memberships or passes.

If you stay at Ritz-Carlton or Marriott hotels, the Chase Ritz-Carlton card can also help you earn points faster.  Because you’ll earn 5X points on purchases at these hotels.

Chase IHG

Link:   Chase IHG

Link:   My Review of the Chase IHG

The Chase IHG card is one of the Chase cards I gladly pay the annual fee on every year.  You can earn a sign-up bonus of 60,000 IHG points and $50 statement credit after meeting minimum spending requirements.   

Then use the points for inexpensive stays at IHG PointsBreaks hotels, which cost just 5,000 IHG points per night.  Or use Points & Cash to stretch your points further.  You can even use IHG points to go on a Disney World vacation with the family.

With the Chase IHG card, you’ll also get:

  • A free night at any IHG hotel worldwide each year of card membership
  • Free Platinum elite status (free upgrades, priority check-in, and elite rollover nights)

I had a great time using free nights at InterContinental Thalasso in Bora Bora.

Here’s my full review of the Chase IHG card.

Chase Hyatt

Link:   Chase Hyatt

Link:   My Review of the Chase Hyatt 

You can earn 2 free nights at ANY Hyatt hotel with the Chase Hyatt after meeting minimum spending requirements.

You can even use the free nights at Hyatt’s all-inclusive hotels!  And a Million Mile Secrets team member did just that to have a fantastic experience in Cancun!

6 Chase Travel Cards Not Restricted By The 5/24 Rule

Million Mile Secrets Team Member Scott Used 1 of His 2 Free Nights from the Chase Hyatt Card to Eat an Absurd Amount of Delicious Shrimp at the All-Inclusive Hyatt Zilara Cancun

And team member Harlan was able to use a free night certificate during Mardi Gras at Hyatt French Quarter – New Orleans.

The card also gets you:

  • A free night in a category 1 to 4 Hyatt each year on your account anniversary
  • Discoverist elite status (free premium internet, better rooms when available, late check-out, free category 1 to 4 Hyatt night when you stay at 5 Hyatt brands)

Hyatt is one of my favorite hotel chains because it’s easy to use points.  And the service and amenities at hotels are always great!

Chase British Airways

Link:   British Airways Visa Signature® Card

Link:   My Review of the Chase British Airways

Even if you don’t fly British Airways, you can earn Big Travel with the Chase British Airways card.  Because you can earn 100,000 British Airways Avios points after you get the card and meet tiered minimum spending requirements.

Then, you can use the points to book award flights on partner airlines like Alaska Airlines or American Airlines.

Another great way to use British Airways Avios points is for flights on partner airlines from the West Coast to Hawaii.

Chase Fairmont

Update:   The Chase Fairmont card has been discontinued.

You can earn 2 free nights at any Fairmont hotel (excluding blackout dates) after you complete the minimum spending requirements on the Chase Fairmont card.

Fairmont has luxurious hotels in the US, Canada, Europe, Asia, Africa, and the Middle East.

6 Chase Travel Cards Not Restricted By The 5/24 Rule

Stay at the Fairmont Le Montreux Palace in Switzerland for Free Using the 2 Free Nights from the Chase Fairmont Card!

If you use this card for everyday spending, you could potentially earn additional free nights.  Because you get a complimentary night if you spend $12,000 or more in a cardmember year.

I also like that the $95 annual fee is waived for the first year!

Chase Disney

Link:   Chase Disney

Folks who love Disney and spend at lot of time and money at their resorts might consider the Chase Disney card.

You can earn a $100 statement credit after meeting minimum spending requirements.  And you also get 2% in Disney reward dollars per $1 spent at most Disney locations, and all restaurants, supermarkets, and gas stations.

Disney rewards dollars can be redeemed at Disney theme parks, hotels, golf courses, and other participating retailers.  You can also use your Disney rewards dollars for movie vouchers or as a statement credit towards airfare.

6 Chase Travel Cards Not Restricted By The 5/24 Rule

The Chase Disney Card Earns Bonus Disney Reward Dollars You Can Redeem at Disney Locations!

I don’t usually recommend this card because there are so many other Chase cards with more valuable sign-up bonuses!

Bottom Line

The tougher Chase application rules have made it more difficult to get approved for many, but not ALL cards issued by Chase.

You can still get terrific travel cards like the Chase Hyatt or Chase IHG, which offer free hotel nights.  Or get the Chase British Airways to book award flights on partner airlines like Alaska Airlines or American Airlines.

Which is your favorite Chase card not impacted by the “5/24 rule”?

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32 responses to “6 Chase Travel Cards Not Restricted by the “5/24 Rule”

  1. I’m way over 5/24, and was recently approved for both the Hyatt & Ritz Carlton cards, as you say. However I was rejected for the IHG card before I applied for the other cards, and given the reason “too many recent credit applications”. So at least from my experience, 5/24 does apply to IHG.

  2. I think IHG does apply to 5/24 rule. I had the same situation applying for IHG several months ago and got rejected with the same reason “too many recent credit applications” although my FICO score is above 825. Call reconsideration line twice and they all gave me the same reason. If Chase continues to eliminate good customers with that 5/24 rule, I will vote with my money doing business with other credit card companies no matter what the bloggers said about Chase’s Sapphire Reserve credit cards as “The best credit cards you should have in your wallet”. Got tired of seeing those unrealistic cheering articles over and over again from those bloggers “View from the Wing”, “The Point Guy”, “One Mile At a Time”, “Frugal Travel Guy”…etc. Anyway, we are the customers and we have our choices of choosing the credit card that suitable for our individual needs. But for heaven’s sake, Chase is going to lose lots of customers because of that 5/24 rule put on the good customers (the ones who always make their payment on time). I guess their 5/24 rule is to eliminate the good customers and get the customers with bad credit hooked up so they can earn those loan shark rate of interests. This worries me with their mentality that another 2008 economy melt down is due to occur.

  3. I had the Chase British Airways in 09/30/2014 then I had bonus 50K . Then I closed the card in 09/01/2015. How can you tel that you are eligible to apply again.
    Does Chase compares to day the miles were awarded or the day my application was approved. Thanks for your help .. Great website.. I had make some awesome trips in First Class..

  4. How many chase cards can one apply in a single day? would all be merged as one inquiry by chase?

  5. I applied for British Airways today after being rejected for Chase Sapphire Reserve this morning. Got instant approval. I am at 10/24

  6. Does anyone know if you can apply for say the Chase Sapphire reserve and then on the same day apply for one of those 6 cards? Would you be able to throw in a business card too on the same day or do they have rules similar to Citi?

  7. I applied for IHG and was approved at 6/24

  8. The crucial question unanswered in all these 5/24 exception articles : How long between rewards for the cards 5/24 does not apply to??

    Most of us reading these articles are way over 5/24. So when you can earn the bonus again on available cards is much more important to us. [Edited.]

  9. I loved this post. One related question!

    If we are only considering business cards, does the 5/24 rule apply within that category itself? In other words, how many strictly business card inquiries can I have within 24 months and still be able to get approved for more Chase business cards?

    If I have 5 business cards I’ve opened in the last 24 months, does anyone know if I therefore won’t be able to get another Chase business card until I go back below 5/24?



  10. @tassojunior
    Chase cards which have the 24 month restriction between sign-up bonuses, start the clock at when you received the bonus, not approval of the card. You also are ineligible for a bonus if you still hold the same card as the one you’re applying for.

  11. I was denied for Hyatt just a couple weeks ago. So there’s a data point against this. I WAS approved for IHG before that ( already over 5/24 at that point) and they gave me a crazy high credit limit on that one. None of it makes sense.

  12. Megan: you can always try their reconsideration line and offer to move some of the credit line from IHG to the Hyatt if they’ll approve it.

  13. @GJ – Thanks for sharing your experience! Some folks have had success getting the Chase IHG card if they’ve had 5 or more cards in the past 24 months. As always, there’s no official rule. So Chase can approve or deny on a case by case basis.

    @rahul – The credit inquiries might be merged into one if Chase pulls your credit report from the same credit bureau for each application. Here’s a post with tips on finding out which credit bureaus banks use: http://millionmilesecrets.com/2011/08/23/credit-pulls/

    @Erika – Congrats on getting approved for the Chase IHG card! This is one of the cards I always keep in my wallet!

    @James – Most small business credit card accounts do NOT appear on your personal credit report. So they won’t count against you for Chase’s stricter application rules. Here’s a post with more info: http://millionmilesecrets.com/2016/05/31/if-you-dont-know-this-amex-secret-youre-missing-out-big-time/

    @Megan – Thanks for sharing!

  14. I did App-o-rama and applied/approved for 4 credit cards in 1 day.

    Chase IGH, Citi AA, Hilton amex surpass and Amex gold business platinum.

    Will all be merged into single inquiry since i applied on same day, and instantly approved?

    Please let me know how it will show up as credit inquiry on my credit history….

  15. Lets see how this works.
    Assume you applied for five good chase cards on 01/01/2016.
    Assume you applied for five cards mentioned in this post on 08/01/2016.
    You will be able to get the best offer from chase on 08/01/2018. Which means that you delayed taking the best offer by 8 months. Is it not downside of this post?

    I understand this delay can be shortened by applying in 2nd month instead of applying in 8th month.
    I took this example just to show the difference.
    If you think practically, you cannot get five cards at a time from chase. Churners also apply for non chase cards. So planning is not that simple.

    So my strategy is, banks tightened rules. So better not to be as aggressive as before.

  16. does the 24/5 affect the chase Marriott card?

  17. Surprising to see Marriott is under 5/24 but not its sister Ritz Carlton.

  18. HI,
    Thanks for the info. Does anyone known if you can use the three free ritz nights and pay with points for a 4th night and then get the fifth free?

  19. I am starting a new small business and would like to apply for the ink plus. This would be the first credit account for the business, so I assume I will have to use my social on the app (in addition to the business EIN) and personally guarantee the debt. Personally, I have had more than 5 new accounts in the last 24 months. Will I be able to get approved for the business Ink Plus?

  20. Way over 5/24 and just got instant approval on the British Airways card! I am so stoked! Planning to use them domestically on American Airlines. Thanks for the post!

  21. Where is that hotel pictured on the seacoast with the cliffs? Thanks

  22. I just applied for the Chase Ritz Carlton credit card and got denied due to “too many cards opened in the last two years”. I’m thinking it must now be falling under these guidelines just like it’s sister card from Marriott.

  23. Dawn, call the Ritz customer service # for your answer. They’ll help you.

  24. FT reports say the Marriott Business card is not affected by the 5/24 rule.

  25. More data: I’m way over 5/24 and was not approved for the Chase Hyatt because of the 5/24 rule (the rep specifically invoked that rule). Boo. My spouse did get it, somehow (also way over 5/24), and we used the 2 free nights at Hyatt Ziva in Cancun–great use, considering it was all-inclusive for 2 adults and one teen! And we got upgraded.

  26. Thanks for this post, it was so helpful! I’m way over 5/24 and just got approved for Hyatt (instant) & IHG (recon). I immediately called recon for IHG because I got the 7-10 day message. The rep said it was denied because I applied for both cards the same day. She asked why I wanted both cards and then I was approved!

  27. Pingback: Sapphire Reserve Upgrade | Million Mile Secrets

  28. Hi there! What is your general approach to point accumulation? I’m guessing by now you’ve applied to any credit card program out there with a good sign on bonus. So what now since you’ve already used those bonuses? Do you wait the 2 years and re-apply for the same cards? Just curious what your approach is. Thanks!