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

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

Million Mile Secrets6 Chase Travel Cards Not Restricted by the “5/24 Rule”Million Mile Secrets Team

Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers. 

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 40,000 Hyatt points 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 More Than Enough Points for a Free Night at 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, 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 2 complimentary nights at Ritz-Carlton tier 1 through 4 hotels anywhere in the world after meeting minimum spending requirements.  This can get you savings of more than $1,000 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 2 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, Starwood, 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 80,000 IHG points after meeting minimum spending requirements.  Plus 5,000 bonus IHG points when you add an authorized user and make a purchase in the first 3 months of opening your account.

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 account anniversary
  • 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:   The Hyatt Credit Card

Link:   My Review of the Chase Hyatt 

You can earn 40,000 Hyatt points with the Chase Hyatt after meeting minimum spending requirements.  And an additional 5,000 bonus Hyatt points when you add an authorized user and make a purchase in the first 3 months of opening your account.

You can even use the points 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 Ate an Absurd Amount of Delicious Shrimp at the All-Inclusive Hyatt Zilara Cancun, Which Costs 25,000 Hyatt Points per Night

And team member Harlan was able to use his annual 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 Marriott Rewards Business Card

Link:   Chase Marriott Rewards Premier Business Card

Link:   My Review of the Chase Marriott Small Business Card

With the small business version of the Chase Marriott card, you’ll earn 80,000 Marriott points after spending $3,000 on purchases within the first 3 months of account opening.

And a free night in a category 1 to 5 Marriott hotel every card anniversary!

You’ll also get:

  • 5X Marriott points at Marriott, Ritz-Carlton, or Starwood hotels
  • 2X Marriott points on restaurants, car rentals, airline tickets (purchased directly from airline), office supply stores, internet, cable, and phone
  • 1 Marriott point per $1 on all other spending
  • 15 elite credits annually, which gives you Marriott Silver status
  • 1 elite credit for every $3,000 spent on the card
  • NO foreign transaction fees

But the $99 annual fee is NOT waived the first year.

Check out my post on 3 ways you may qualify for a business card.  And if you need some help with the application, see my post on how to complete a business card application.

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 get Big Travel with the Chase British Airways card.  Because you can earn up to 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 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 $200 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.

You can redeem Disney rewards dollars 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, Chase Marriott Rewards Premier Business, or Chase IHG, which offer terrific sign-up bonuses and a free hotel night each account anniversary.  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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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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If I'm waiting to have less than 5 cards to begin applying for Chase's best cards and then I sign up for one of these cards, will they count against my total?

Million Mile Secrets

Opening any new personal cards will count against your total. But Chase small business cards will not count.

Thanks so much for your response. To clarify, most small business cards will not count? Or specifically Chase small business cards?

Million Mile Secrets

Small business cards from most banks don't count because they don't appear on your personal credit report. Here's a post with more details:

https://millionmilesecrets.com/2016/05/31/if-you-dont-know-this-amex-secret-youre-missing-out-big-time/

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!

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!

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.

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

i am at 12/24 and was approved for Marriott Business card

Author
Million Mile Secrets

Congrats! And thanks for sharing!

Author
Million Mile Secrets

Thanks for sharing! I've heard mixed reports about that card.

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