Will Adding an Authorized User to a Business Card Affect Their Chase 5/24 Status?

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Will Adding an Authorized User to a Business Card Affect Their Chase 5/24 Status?

Million Mile SecretsWill Adding an Authorized User to a Business Card Affect Their Chase 5/24 Status?Million Mile Secrets Team

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We get a lot of questions regarding credit card application rules, especially about Chase’s “5/24” rule.  That’s no surprise, because each bank has their own set of guidelines and requirements!  And Chase has some of the best travel rewards credit cards.

Million Mile Secret Agent AJB asked:

Will adding my wife as an authorized user to 1 of my Chase business cards, like the Southwest Rapid Rewards® Premier Business Credit Card or Chase Ink Plus (no longer available) card, count against her Chase 5/24 status?

Will Adding An Authorized User To A Business Card Affect Their Chase 524 Status
Wondering About Chase’s Application Rules? We’ve Got the Answers!

Thanks for the great question!

Authorized Users and Chase’s 5/24 Rule

With Chase’s stricter application rules, dubbed “5/24,” if you’ve opened 5+ cards from any bank (NOT counting Chase business cards and these other business cards) in the past 24 months, it’s unlikely you’ll be approved for most Chase cards.

Because Chase business cards do NOT count toward the 5/24 rule, adding AJB’s wife as an authorized user to 1 of his Chase business cards should NOT affect her 5/24 status.

In fact, being an authorized user on small business cards from other banks shouldn’t count either!

You’ll Both Get More Perks

Adding an authorized user to your account can be a great way to boost your miles & points balances.  And get other benefits like:

  • Easily track spending and manage expenses
  • Help the authorized user learn how credit cards work
  • Access to savings and deals with AMEX Offers when you add an authorized user to an AMEX card
  • Meet minimum spending requirements faster

Plus, the authorized user can benefit from a potential boost to their credit score.

That said, you’re responsible for any charges made by the authorized user on your account.  So make sure you only add someone you trust!

And remember, adding an authorized user to a personal card WILL appear on the authorized user’s credit report.   And could affect their 5/24 limit.  So if your authorized user wants to earn the sign-up bonus on a Chase card in the future, you might want to hold off on adding them to lots of accounts.  Although I’ve heard folks having success asking Chase to reconsider applications if their recent new accounts are only authorized user cards.

Bottom Line

Adding an authorized user to your small business card account should NOT affect their Chase 5/24 status.

Plus, there are benefits to adding authorized users, as long as they’re trustworthy, like boosting your rewards balances, meeting minimum spending requirements faster, and more!

Just remember, an authorized user account on a personal card will appear on the authorized user’s credit report.  And could negatively affect their 5/24 status.

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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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Hello there! I am still in service and this is what I will be doing for you to help you repair your credit:

I will help you shoot your scores up to 800plus and this mark is an excellent standing that will get you approved for any loan (house, car, medical or business) with low interest rates and of course decent credit cards with good rates, good jobs among other benefits when you apply at any given time.

I will be adding good credit/payment history to your profile, remove the charge offs, bankruptcy, and other negative items so when creditors look up your credit report it will look good and you can not be denied. Get back to me for further details on payment, requirements needed and terms. Also, can I know what your current score?

I’m wondering if Darius ever reads the comments, because this is the 3rd time now that I need to state: CHASE BUSINESS CARDS DO COUNT PAST NUMBER OF CARDS YOU’VE OPENED. I have had a S corporation WITH employees, for over 25 years and was denied this card DUE TO THE NUMBER OF CREDIT CARDS I’VE OPENED IN THE LAST 24 MONTHS (29).

I even went to my Chase banker and she couldn’t get me approved, but got me connected with a Chase account approval specialist and she personally told me why I was denied. SO PLEASE STOP SPREADING FALSE INFO!!!!!

I’m not trying to be negative, but shed light on truth here…

Million Mile Secrest

Hi Bruce, Thank you for sharing your experience!

It’s hard to know exactly why one might be denied a card, but there are many many data points from readers and other major bloggers that indicate Chase business cards don’t count against your Chase 5/24 status. And that has been the experience of the Million Mile Secrets team as well.

Sadly, they told me why I was denied. Had I not personally talked to the Chase Bank approval department, I would not have know that the only reason I was denied was because of the number of cards that I had opened 5/24….

It’s kinda both…you need to be at 4/24 or under for Chase to approve you for Biz cards like the CIP, CIC, SW Biz, United Biz and I probably am missing a few others. However, once you are approved for one of the biz cards, it won’t count towards your 5/24 status. So, you’ll still be at 4/24 after getting approved for the CIP. Does that help?

I was added as an authorized user on my husband’s business AMEX card and it DOES show on my credit report. Thanks Dens for the heads up that I can possibly get it off by calling.

Million Mile Secrest

Hi Julie, Thank you for your comment!

This is an interesting data point, because this *usually* isn’t the case. And there are tons of readers and other bloggers that have confirmed their AMEX business cards (or authorized user accounts) don’t show on their personal credit report.

Was rejected last summer for a Chase card. Called the reconciliation line and the rep looked up my account. Came across my wife’s Delta business AMEX card and my being a secondary account holder. She asked if I was responsible for paying the bill. I said no, so she took it off my list of cards.
SO, Chase not looks at AMEX business cards – but also looks for your being a secondary account holder! And it takes a phone to get it off your list.

Who did you call? AMEX?

I called Chase to try to convince them to give me a new card. Was shocked that Chase was counting my secondary card on my wife’s Delta AMEX business card.
I thought they did not look at business cards or secondary cardholders.
Chase seems to be looking at everything – business or not

Another benefit to adding an AU is being able to transfer UR points into the AU’s airline/hotel accounts.

Million Mile Secrest

It is! Thanks for sharing that point.