By: Spencer Howard 

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We receive hundreds of questions every day, but some questions repeat themselves so often that we know we need to dedicate some time to it. With that in mind, we wanted to address one of the most common:

“What is 5/24?”

No, it’s not May 24th. It is actually one of the most discussed topics in the miles and points community. It refers to Chase’s rule (guideline?) that anyone who has opened five credit cards in the previous 24 months may not open Chase credit cards.

This can be tremendously frustrating for responsible credit users who want to utilize the perks of various credit cards.

Let’s dig in and see how we should handle things with this in mind.

5/24 Credit Cards


What Cards Are Included in Your 5/24 Count

We often see confusion regarding which cards count according to Chase. Many assume that this means five Chase cards when, in fact, it means cards from any bank are included in the count.

If you have opened cards with American Express, Citi, Barclays, Capital One, Discover, etc. They count.

Remember: Credit cards from all banks count toward 5/24.

A caveat to this is that most business cards don’t show on your personal credit reports and won’t be included in your count of 5. An exception to this is Capital One business cards which will show on your report.

We discussed which banks do and do not report in part two of our business card series.

What about Authorized Users?

Banks often give small bonuses for making someone an authorized user (AU). If you are an AU on someone else’s account, it will show on your credit report when you apply for a card with Chase.

If these AU accounts put you over five cards in the last 24 months, Chase might be difficult. Remember, you are not financially responsible for an account if you are an AU. If you are denied initially, a call to Chase is in your future. From there, you will need to explain which accounts are only AU accounts.

If you would like to prevent these calls, you can ask to be removed as an AU from an account. Once you have done that, you can send a secure message to Chase requesting that they have the AU account removed from your credit reports as you are not financially liable for the account referenced.

You should receive a response from chase within two days informing you that the AU accounts have been removed from your credit reports.

Getting Chase Cards After 5/24

Edit: It appears that Chase is now enforcing the 5/24 rule on all cards.

There a few ways to get Chase cards impacted by the 5/24 rule once you have hit five cards in 24 months.

The first method we’ll discuss is Chase Private Client (CPC). To apply for CPC status, your average daily balance must meet or exceed $250,000. There are several perks to this service, but for our purposes, we care about the impact on credit card applications.

If you are a CPC, you will have access to increased sign-up bonuses and, more importantly, it is unlikely that you will be affected by 5/24. Having CPC status mostly makes 5/24 something for other people to worry about, while you can feel quite confident that you will be approved if you apply for a card.

None of the remaining methods are predictable. The most common is to go to your local Chase branch and ask a bank representative to see if you are pre-approved for any cards. Be ready to provide some personal information so they can check.

If you are pre-approved, be sure to read the offer and sign-up bonus terms. Check the APR. If it is a specific number, this means you are pre-approved.

If it is a range rather than a specific number, you are only pre-qualified. Keep in mind, this is different than a pre-approval. Being pre-qualified, which you can see online, does not necessarily mean you will be approved once you apply.

The second method is to check your Chase Ultimate Rewards account. The “Your Offers” section could provide “Selected for You” card offer. Finally, if you receive a targeted mailer with an invitation code, this could allow you to get one of the Chase cards impacted by 5/24.

Remember, just because you won’t get denied because of 5/24 via these three methods, that doesn’t guarantee you will be approved. There are many factors in credit card approvals.

What Chase Cards Does This Impact

Now that you have an understanding of the Chase 5/24 rule and how to approach it, let’s look at the cards that are impacted. The cards below are very difficult to acquire if you have already opened five cards from any bank in the last 24 months:

  • Chase Sapphire Reserve
  • Chase Sapphire Preferred
  • Chase Freedom
  • Chase Freedom Unlimited
  • Chase Slate
  • Chase Ink Preferred
  • Chase Ink Business Unlimited
  • Chase Ink Plus (no longer available for application)
  • Chase Ink Cash
  • Chase United MileagePlus Explorer (personal and business)
  • Chase United TravelBank
  • Chase Southwest Premier (personal and business)
  • Chase Southwest Plus
  • Chase Marriott Premier
  • Chase Marriott Rewards Premier Plus

On the other hand, there are also Chase cards that won’t reject you based on the 5/24 rule:

Edit: It appears that Chase is now enforcing the 5/24 rule on all cards.

  • Chase IHG
  • Chase IHG Rewards Club Premier
  • Chase Hyatt
  • Chase Ritz-Carlton
  • Chase Fairmont (no longer available for application)
  • Chase Marriott Premier Business
  • Chase British Airways
  • Chase Amazon
  • Chase AARP
  • Chase Disney
  • Chase Starbucks Rewards Visa
  • Chase Amazon Rewards Visa Signature
  • Chase Iberia Visa Signature
  • Chase Aer Lingus Visa Signature

The Bottom Line

After much debate, it seems safe to say that 5/24 is a pretty strict rule with Chase these days.

With Chase Private Clients no longer able to get some cards after 5/24, we’re left with a few inconsistent methods to give us a chance.

As Chase provides several cards that are beneficial to travelers, it would be wise to consider starting with cards that are impacted by 5/24.

See you in the sky,


Editors Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Editor’s Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

About the Author

Spencer Howard is the Editor in Chief of 10xTravel. He is also the founder of Straight To The Points where he publishes Award Alerts, an email newsletter that provides great business and first class award booking opportunities complete with dates and the best ways to book. He enjoys long walks through the airport and taking in airplane views from lounges. He’s obsessed (no, really) with finding creative ways to earn and redeem miles and points and...

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