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We love Chase credit cards because they have some of the best sign-up bonuses of any bank. But Chase also has strict application rules, that limit the number of Chase cards you can open.
Chase doesn’t explicitly define the 5/24 rule on their website or anywhere else, which is why we are here to help!
Million Mile Secrets reader Rick asked:
I have only opened 4 cards in the last 2 years, all from Chase: the Chase AARP card, Chase Hyatt, the Chase Sapphire Preferred, and the Chase Disney Premier. I was also added as an authorized user to my wife’s Chase Hyatt card, which made the card count 5. But your information shows the Hyatt, AARP and Disney cards don’t count toward Chase’s 5/24 rule.
I ended up calling the reconsideration line twice and only after getting my authorized user removed from my credit report would they reconsider. Has Chase changed which cards count towards their 5/24 rules?
Thanks for the question, Rick!
Let’s take a look at the details of Chase’s 5/24 rule.
The Chase 5/24 Rule
In Rick’s case, it’s important to note that the 4 Chase cards he opened over the last 2 years, the Chase AARP card, Chase Hyatt, the Sapphire Preferred, and the Chase Disney Premier, actually DO count toward Chase’s 5/24 rule. But they are not affected by the 5/24 rule.
With Chase’s tougher application rules, dubbed “5/24,” it’s unlikely you’ll be approved for most of their cards if you’ve opened 5+ cards from any bank (NOT counting Chase business cards and these other business cards) in the past 24 months.
Like he mentioned, his authorized user card counted against his 5/24 status, too. So when he applied for the Chase Marriott Rewards Premier card, he had already reached his 5/24 limit. That’s why Chase was able to reconsider his application after removing his authorized user account from his report.
Which Credit Cards Are Affected by the Chase “5/24” Rule?
Chase’s 5/24 rule applies to almost all of their cards, except certain ones like the Marriott Rewards Premier Business Credit Card, the Chase Hyatt, and the British Airways Visa Signature® Card. You can read more about which cards are affected here.
Here’s how to check your status.
Which Credit Cards Do NOT Count Toward Your “5/24” Limit?
Small business credit cards from certain banks will NOT show up on your personal credit report. And those accounts will NOT count toward your “5/24” limit. Small business credit cards from the following banks will not show up on your personal credit report:
- Bank of America
- US Bank
Because Chase small business cards do not count toward your “5/24” status, you could apply for one while you’re under the limit and it won’t put you over. But if you are already over the “5/24” rule, then it’s likely you won’t be approved for a new Chase small business credit card. The one exception to that situation is the Chase Marriott Rewards Premier Business Credit Card.
That said, whether or not you’re approved for any Chase card is still up to the bank.
In Rick’s case, it’s important to distinguish which cards are affected by the rule and which count toward the 5/24 limit.
If you are looking to open a new Chase credit card, remember, this rule is not the only factor that will affect your approval chances.
Thanks again for the question, Rick!