Hey Travel Junkies,

You may have noticed a change in our list of the best credit card offers on the market list lately. There are now many cards that we recommend for those of you under 5/24 that used to be recommended for those who were above 5/24. For example, cards such as the World of Hyatt credit card or the British Airways credit card are now recommended for those who are under 5/24.

No… we haven’t completely lost our minds. There have been multiple reports in the points and miles world that people are being denied for Chase cards that weren’t subject to the 5/24 rule starting in mid-November.

Now that we have enough data, we can reasonably claim that the Chase 5/24 rule has expanded to more cards. Keep in mind, the Chase 5/24 rule isn’t a published rule. You won’t find it on Chase’s website anywhere. The rule is based upon information we get from readers like you.

Although this isn’t great news, it isn’t the end of the world. It just means being a bit more selective in what credit cards you get while you are under 5/24. So let’s take a look at what new cards fall under the Chase 5/24 rule and how this change impacts your credit card strategy.

Chase 5/24

Cards Impacted

Previously, there were select Chase co-branded credit cards that you could get if you were above 5/24. Now, the 5/24 rule has been expanded to include all co-branded cards. Based on our information, below is our list of the new cards subject to the Chase 5/24 rule:

  • AARP Credit Card From Chase
  • Aer Lingus Visa Signature Card
  • Amazon Prime Rewards Visa Signature Credit Card
  • British Airways Visa Signature Card
  • Disney Premier Visa Card
  • Disney Visa Card
  • Iberia Visa Signature Card
  • IHG Rewards Club Premier Credit Card
  • IHG Rewards Club Traveler Credit Card
  • Marriott Rewards Premier Business Credit Card
  • Starbucks Rewards Visa Credit Card
  • The World of Hyatt Credit Card

The list represents a lot of new additions to the 5/24 rule. Thankfully, many of these cards aren’t very valuable to our points junkies in our opinion. However, there are a few valuable cards that are now subject to the 5/24 rule. Namely, the World of Hyatt Credit Card, IHG cards, Marriott Business Card, British Airways, Iberia, and Aer Lingus cards are all now subject to 5/24 which isn’t a good thing.

With the addition of these new 12 cards to the 5/24 list, let’s get a quick overview of all 5/24 cards before we discuss how this should impact your credit card strategy going forward.

Photo Credit:  Aer Lingus

The complete list of cards that fall under the 5/24 rule

With the addition of these new cards, you may be wondering what cards now fall under the 5/24 rule? Let’s take a look at all of the cards that are impacted by the Chase 5/24 rule:

  • AARP Credit Card From Chase*
  • Aer Lingus Visa Signature Card*
  • Amazon Prime Rewards Visa Signature Credit Card*
  • British Airways Visa Signature Card*
  • Chase Freedom
  • Chase Freedom Unlimited
  • Chase Ink Business Unlimited
  • Chase Ink Cash
  • Chase Ink Preferred
  • Chase Marriot Rewards Premier Plus
  • Chase Sapphire Preferred
  • Chase Sapphire Reserve
  • Chase Slate
  • Chase Southwest Plus
  • Chase Southwest Premier (personal and business)
  • Chase Southwest Rapid Rewards Priority Card
  • Chase United MileagePlus Explorer (personal and business)
  • Disney Premier Visa Card*
  • Disney Visa Card*
  • Iberia Visa Signature Card*
  • IHG Rewards Club Premier Credit Card*
  • IHG Rewards Club Traveler Credit Card*
  • Marriott Rewards Premier Business Credit Card*
  • Starbucks Rewards Visa Card*
  • The World of Hyatt Credit Card*
  • United MileagePlus Club Card (personal and business)
  • United TravelBank Card

That’s a whopping 27 cards that are now subject to the Chase 5/24 rule. Since you’re only limited to a few of these you may be wondering how you’ll ever pick. We make it easy for you by compiling a list of the best credit cards each month.

With all this in mind, how does this impact your 5/24 credit card strategy?

Chase Sapphire Preferred

60,000 Chase Ultimate Rewards Points after you spend $4,000 spend in 3 months

Learn more

Chase Ink Business Preferred

80,000 Chase Ultimate Rewards Points after you spend $5,000 in 3 months

Learn more

A New Chase Strategy?

Here’s the punchline: the new addition of these cards to the 5/24 rule doesn’t impact your strategy much. Yea!

The long version? For starters, we don’t recommend many of the newly added cards if you’re under 5/24 anyway. The following cards don’t do much for the average person when it comes to travel (or really any) rewards.

  • AARP Credit Card From Chase
  • Amazon Prime Rewards Visa Signature Credit Card
  • Chase Slate
  • Disney Premier Visa Card
  • Disney Visa Card
  • Starbucks Rewards Visa Card
  • United TravelBank Card

So, that eliminates 9 cards off the bat. This still leaves 20 cards to consider. If you take a look back at our past lists of best credit cards each month, you’ll see a common trend: you should be prioritizing Chase Ultimate Rewards earning credit cards.

If you’re starting off with a clean 0/24 status (meaning you’ve opened no credit cards in the past 24 months), you should be starting off with the Chase Sapphire Preferred or possibly the Chase Sapphire Reserve and Chase Ink Business Preferred, if eligible.

Chase Sapphire Preferred

60,000 Chase Ultimate Rewards Points after you spend $4,000 spend in 3 months

Learn more

You might also be interested in earning the Southwest Companion Pass, which is one of the best values in travel available. You’ll notice that after Ultimate Rewards earning credit cards, the Southwest credit cards are often quick to follow on our list of best credit cards for those under 5/24.

How to Earn the Southwest Companion Pass [Updated for 2019]

Other cards that tend to rank highly along with the Southwest credit cards include the co-branded World of Hyatt credit card and United cards. There’s a good reason the Southwest, World of Hyatt, and United credit cards tend to be seen as favorable cards and that’s because there’s no other good way to get these points. Your best way to earn them is from the Chase bonuses, or from transferring Chase Ultimate Rewards.

However, you can earn Marriott Rewards points or British Airways, Aer Lingus, or Iberia Avios once you’re past 5/24. You can earn Marriott points through any number of co-branded Marriott credit cards while you can transfer American Express Membership Rewards points to British Airways, Aer Lingus and Iberia.

Sometimes, the Chase cards have very high bonuses that make them worth it if you have specific uses for them.

Guide To Hyatt All-Inclusive Properties - Hyatt Ziva Puerto Vallarta - Oceanfront Fitness Center
The World of Hyatt Credit Card also has some unique bonus spend categories that you won’t find on any other card including 2X on fitness club memberships. Read more here.  (Photo Credit:  Hyatt All-Inclusive)

Final Thoughts

With the recent expansion of the Chase 5/24 rule, you can no longer get some of the cards that you previously were able to if you are above 5/24.

Valuable cards such as the World of Hyatt credit card may move up in priority now. Overall, your strategy for opening cards when you are under 5/24 stays the same. Start with Chase Ultimate Rewards first, and then consider co-branded cards.

The World of Hyatt Credit Card

25,000 points after $3k spend in 3 months, another 25k points after $6k total spend in 6 months

Learn more

Before deciding what card to get if you’re under 5/24, be sure to check our list of best credit cards for the month. Sometimes, cards that aren’t a high priority may be more appealing because of a higher than typical bonus.

While changes like this are never good news, I suspect you’ll quickly see that it won’t have much impact for you if you’re under 5/24.

Chase Sapphire Preferred

New to the world of points and miles? The Chase Sapphire Preferred is the best card to start with. With a bonus of 60,000 points after $4,000 spend in the first 3 months and 2x points on dining and travel, this card truly cannot be beat! 

Learn more

Disclosure: 10xTravel has partnered with CardRatings for our coverage of credit card products. 10xTravel and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are the author's alone, and have not been reviewed, endorsed or approved by any of these entities. You can read our advertiser disclosure here.

Travis Cormier

About the Author

Travis became addicted to travel after his first international trip to Nicaragua in 2016. He wanted to travel more but didn’t want to pay for it. He found points and miles, and hasn’t paid cash for a trip since. A self-proclaimed adventurer and beach-bum, Travis is often found at remote island destinations and beaches with scuba gear in tow. If you don’t spot him on a beach, look for somewhere with good wine or a...

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16 Responses to “Chase 5/24 Update: Now Being Applied to More Cards”


I’ve read before that authorized user status counts towards 5/24 but I have not found this to be the case. Counting AU cards I think I’m at 6-7/24 but was approved for the Southwest Rapid rewards when they ran the companion pass offer. I’ve wondered if it was a fluke or a continual process.

I previously thought that Business Cards didn’t count towards your 5/24 count and that 5/24 only applied to Personal Cards. Is the change to Business Cards being counted towards 5/24 a recent change?

Hello! This is an elementary question but I thought because the Ink cards are business credit cards contingent on the cardholder having an actual business with an FEIN etc, you’re using the FEIN and not your own SSN and so it doesn’t count towards 5/24? I have an LLC but have never applied for a business credit card so I’m completely in the dark here. Thanks in advance!

Are you sure business cards don’t count toward the number even if the card issuer reports it to you personal credit? Other bloggers have said Capital One business cards, for example, count because they are reported. Or are these ones that get counted initially but that you can “dispute” in reconsideration?

My wife and I are on are second round of cards for the year (first round in January). We have two separate businesses, so we mirrored identical business cards between the two businesses (Chase Ink) in each other name. We also added two personal cards each. On the second round (May) we wanted to get a personal and business for Southwest Airlines. My wife’s Chase
SW business card application was denied. Saying two many cards in last two years. We just started this process this year. She currently only has two business cards in her name. This does not make any sense since it was a business card application. Any insight would be appreciated.

Bryce Conway

This is a very common misunderstanding. You must be under 5/24 to get chase business cards. Getting one does not add to your 5/24 count. If you are 3/24 and are approved for a Southwest business card you will still be 3/24. But you cannot get this card once over 5/24.

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