What is the Chase 5/24 rule?

Chase 5/24 is an unwritten rule that in order to be approved for a Chase card, you can't have opened five or more personal credit cards—from any issuer—in the past 24 months.

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The 5/24 rule is an unofficial rule that says Chase will not approve a new credit card application if you've opened five or more new cards in the past 24 months.

5/24 is infamous in the Points and Miles world, but we call it "unofficial" because there's not published policy on it from Chase. Therefore, much of this relies on crowdsourced data reports.

How do I check my 5/24 status?

The best way to check your 5/24 status is by looking at your credit report. Federal law allows you to get a free access to your credit reports from all three major credit bureaus (Experian, Equifax, and TransUnion) by going to AnnualCreditReport.com. Under federal law, you are able to get free credit reports weekly.

To check your 5/24 status, tally up each credit card that you opened within the past 24 months. Even if you closed the card, if you opened it within the past 24 months, it will count.

If you have four or less, you may be eligible for a new Chase card.

Which cards are subject to the Chase 5/24 rule?

Based on crowdsourced research, we believe that the following cards are subject to the 5/24 rule:

Chase personal cards:

Co-branded airline cards

Co-branded hotel credit cards

  • Marriott Bonvoy Boundless® Credit Card
  • Marriott Bonvoy Bold® Credit Card
  • IHG® Rewards Club Premier Credit Card
  • IHG® Rewards Club Traveler Credit Card
  • World of Hyatt Credit Card

Additonal co-branded cards

  • Prime Visa
  • Disney® Premier Visa® Card
  • Disney® Visa® Card

Chase business cards

Co-branded airline cards

Because the 5/24 rule is an unpublished policy, this section is based on crowdsourced information and is subject to change.

What accounts are not included in 5/24?

The following do not count towards your 5/24 score:

  • Mortgage
  • Student loan
  • Personal loan
  • Credit cards you weren't approved for
  • Business cards from American Express, Bank of America, Citi, Us Bank and Wells Fargo

Do business cards count toward 5/24?

In order to get a Chase business card, you need to be under 5/24.

That said, opening a Chase business card does not add to your 5/24 count because it is associated with a business instead of your personal accounts.

Business cards from the following issuers do not count: American Express, Bank of America, Citi, U.S. Bank, and Wells Fargo. Reports also suggest that the Capital One Venture X Business card and Captial One Spark Cash Plus do not count

However, business cards from Capital One (other than the cards mentioned above), Discover, and TD Bank do count toward your 5/24 status.

I'm over 5/24. Can I get approved for a card from another bank?

The 5/24 rule only applies to Chase cards, so being over 5/24 would not affect your application status with another bank. Other banks have their own criteria for credit card approvals, of course.

Do product changes (upgrades or downgrades) to existing cards count toward 5/24 status?

In general, no upgrading or downgrading a card is not considered opening a new account.

If you are concerned that a product change may push you over 5/24, call the bank before you request a product change and ask if a hard credit pull would required. Also ask if you'll be given a new account number after the product change.

If the answers are no, then this will not be considered a new account.

Last updated Jun 20, 2024