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Chase 5/24 Rule: List of Cards Impacted (and Other Tips!)

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Chase 5/24 Rule: List of Cards Impacted (and Other Tips!)

Jason StaufferChase 5/24 Rule: List of Cards Impacted (and Other Tips!)Million Mile Secrets Team

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INSIDER SECRET: Chase small business cards don’t show up on your personal credit report and won’t add to your 5/24 count.

Chase offers many of the best credit cards for travel, like the Chase Sapphire Preferred Card (our #1 first credit card for beginners). But the bank also has strict application rules, which makes it difficult to get their cards if you open lots of new accounts.

Chase will not approve you for most of their cards if you’ve opened five or more cards from any bank (not counting certain business credit cards) in the past 24 months. This restriction is known as the Chase 5/24 rule.

The Maldives is one of the many places Chase Ultimate Rewards points can take you, but you’ll have to be under the Chase 5/24 rule to apply for those cards. (Photo by Invisible Witness/Shutterstock)

Why the Chase 5/24 Rule Is a Big Deal

Earning Chase credit card welcome bonuses is one of the best ways to travel in style for a fraction of the normal cost.

Some of the best Chase travel credit cards are:

The information for the United Club Card, United Club Business Card, IHG Rewards Club Traveler Credit Card, Iberia Visa Signature Card, British Airways Visa Signature Card and Aer Lingus Visa Signature Card has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.

Chase’s 5/24 rule applies to all of their travel credit cards. If you’re under the Chase 5/24 rule, your approval will also depend on your credit score and several other factors.

Examine the list of above cards and decide which perks will best suit your travel style. Then choose the top five personal cards and all the small business cards you want. Start with the small business cards, because these will not appear on your personal credit report, and therefore won’t affect your 5/24 status.

In other words, you could open the Ink Business Preferred and still be eligible for five personal credit cards from Chase. However, you will not be eligible for a Chase small business card if you’ve already opened five or more personal cards in the past 24 months.

Be Careful With Other Chase Application Rules

On top of the 5/24 rule, Chase has a few other rules that apply to specific cards.

For example, you can only hold one “Sapphire” card, so you can’t open both the Chase Sapphire Reserve and Chase Sapphire Preferred Card. And you can only earn an intro bonus on a Sapphire card once every 48 months. As an example, if you earned the bonus on a Sapphire Preferred card 12 months ago, you’d have to wait another 36 months before you’d be eligible to earn an intro bonus on a Sapphire Reserve card.

Similarly, you cannot have more than one personal Southwest card at the same time. So you can’t have the Southwest Rapid Rewards Plus Credit Card and the Southwest Rapid Rewards Priority Credit Card. But you could have a Southwest personal card and the Southwest Rapid Rewards Premier Business Credit Card at the same time. This is a great strategy for getting a Southwest Companion Pass.

Continue to Earn Intro Bonuses If You’re Above 5/24

To avoid opening new cards that count toward Chase’s 5/24 limit, you can strictly apply for certain small business credit cards. As long as you have a for-profit venture, like selling items on eBay, tutoring, coaching, driving for Uber and even something like dog-sitting, you can qualify for valuable small business credit card welcome bonuses!

Small business owners have an advantage because business credit cards with most major banks don’t appear on your personal credit report. So Chase won’t count these toward your 5/24 limit. (Photo by Monkey Business Images/Shutterstock)

Business cards issued by American Express, Bank of America, Citi, Wells Fargo, Chase and (sometimes) Barclays do not appear on your personal credit report.

So there are still plenty of great opportunities for you to earn travel rewards while working to get under 5/24. For example, the Alaska Airlines Visa® Business credit card earns extremely valuable Alaska Airlines miles that you can use to book award flights on partner airlines like Cathay Pacific.

But depending on your travel goals, you could also consider other cards if you’re over 5/24 and still want to earn a new card member welcome bonus. You could earn Amex Membership Rewards points with a card like The Business Platinum® Card from American Express.

The Amex Business Platinum is an excellent choice, because it offers a big welcome bonus and earns flexible rewards. Plus, applying for the Amex Business Platinum will not impact your 5/24 status because it’s an Amex small business card.

Bottom Line

If you’re over the Chase 5/24 limit, you don’t have to completely stop applying for credit cards. You can apply for small business cards, because business cards issued by most banks do not appear on your personal credit report. So they don’t count toward Chase’s 5/24 card limit.

If you’re over “5/24,” I’d love to hear your strategy. Are you waiting to drop below or just continuing to apply for cards from other banks?

To learn more about Chase cards and the Ultimate Rewards program, check out these guides:

For the latest tips and tricks on traveling big without spending a fortune, please subscribe to the Million Mile Secrets daily email newsletter.

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

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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I have two different businesses. Can I get the bonus if I apply the same business card, say Chase Business Preferred, for both businesses? Not at the same time. Any comments?

If you apply for a small business credit card but don’t have a tax identification number, you have to apply with your social…does that mean that it will ding your credit and count towards the 5/24 rule? I use eBay as a business but don’t use a tax identification number…what should I do?

Hi Cody,

They can pull your personal credit report, but it won’t count towards 5/24 (Chase business credit cards don’t count towards the 5/24 count). So you can absolutely still apply with your SSN.

What is the welcome bonus time limit on Chase business credit cards if you have already received the welcome bonus before and gotten rid of the card? I know for personal Sapphire and Southwest cards you can only get the welcome bonus every 48 months, used to be 24. Are the business cards 24 months? They do not state anymore in the fine print terms anymore.

Hi Shay,

I’m only aware of the Sapphire products having the more restrictive 48 month waiting time frame to earn another bonus. All of their other cards (as far as I’m aware) have a 24 month time frame.

Bill from Maine

“If you’re over the Chase 5/24 limit, you don’t have to completely stop applying for credit cards.” That’s correct. With United and Lufthansa changing the redemption rules, the Sapphire and United cards become less valuable. Marriott is awash with devaluation. So yes, it’s true. You don’t have to stop. Do what I’ve done.

I have gone over to Amex, Citi and Barclay’s and accumulated lot’s of points and miles in other programs while Chase has earned a spot in my sock drawer.

If Chase want’s to have a 5/24 rule with Chase cards, I can live with that. But there are other programs that I also like. With Chase they penalize you for thinking that way. No thanks.

I was under the Chase 5/24 rule having opened 4 cards in the past 24 months. So, anticipating some travel to the UK I applied for the Aer Lingus card in December 2018 and was denied w/o explanation. Is there a way to determine AHEAD OF TIME if your application will be approved/denied. In other words, will Chase respond to telephone inquiries regarding new applications?

Hi James,

I don’t think any bank will give you a decision without having a formal application. At the very least they’ll need to pull your credit report, which they can’t do without your authorization on the credit card application.

We have a recent post below which has approval tips. You can also call for reconsideration. The article talks about the Chase Freedom, but it’s still solid advice for credit card applications in general:

https://millionmilesecrets.com/guides/chase-freedom-approval-tips/

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