The Chase 5/24 Rule – Which Cards Are Impacted? Are There Exceptions? [2018 Updated]

Credit Cards in Wallet - Chase 5/24 Rule

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Every bank has rules that credit card applicants should know, and some of these rules even restrict who can open particular cards. Chase has one of the most stringent rules in the industry, known as the “Chase 5/24 Rule,” which we’ll explain to you here.

The 5/24 Rule is an internal rule that Chase does not formally publish. The name “5/24 Rule” is an informal title given by Chase customers based on crowdsourced information from Chase credit card approvals and denials. Certain application denial letters and conversations with Chase credit analysts suggested this policy, and the “5/24 Rule” name was born.

If you plan on getting a few cards to build a collection that will earn you great miles and points, then you need to know the ins and outs of the Chase 5/24 Rule.

The Chase 5/24 Rule

Put simply, Chase will not approve applications for certain credit cards if the applicant has already opened 5 (or more) credit card accounts in the last 24 months.

This includes not only cards you open at Chase, but also cards you open at any bank that are reported to your personal credit report.

Which Credit Cards Are Impacted by Chase 5/24?

The 5/24 rule currently impacts applications for the following Chase cards.

Disclaimer: This information is based on crowdsourced reports and subject to change; Chase does not officially confirm this list.

Chase Personal Cards Impacted by 5/24Chase Small Business Credit Cards Impacted by 5/24
Chase Sapphire Reserve®Ink Business Preferred℠ Credit Card
Chase Sapphire Preferred® CardInk Business Cash℠ Credit Card
Chase Freedom®Chase Southwest Airlines Rapid Rewards® Premier Business Card
Chase Freedom Unlimited®Chase United MileagePlus® Club Business Card
Chase Slate® CardUnited MileagePlus® Explorer Business Card
Chase Marriott Rewards® Premier Plus Credit Card
Chase Southwest Rapid Rewards® Premier Credit Card
Chase Southwest Rapid Rewards® Plus Credit Card
Chase United MileagePlus® Club Card
United Explorer℠ Card

Which Credit Cards Are NOT Impacted by Chase 5/24?

There are some exceptions to the 5/24 rule and we’ve listed these credit cards in the table below.

This means that if you are otherwise deemed creditworthy by Chase, you should not have your new card application denied due to the 5/24 rule. Chase considers many factors in reviewing your application, however, and your application may be denied for other reasons.

Disclaimer: This information is based on crowdsourced reports and subject to change; Chase does not officially confirm this list.

Chase Personal Cards NOT Impacted by 5/24Chase Small Business Credit Cards NOT Impacted by 5/24
Chase AARP CardChase Marriott Rewards® Premier Business Credit Card
Chase Amazon Rewards Visa Card
Chase Aer Lingus Visa Signature® Credit Card
Chase British Airways Visa Signature® Card
Chase Disney Rewards® Visa® Card
Chase Disney Premier Visa® Card
Chase Hyatt Credit Card
Chase Iberia Visa Signature® Card
IHG® Rewards Club Premier Credit Card
IHG® Rewards Club Traveler Credit Card
Chase Ritz-Carlton Rewards® Credit Card

How Does Chase Know What Accounts I Open?

When you submit a new credit card application to Chase, you authorize Chase to access your personal credit report. Chase will pull this report from 1 of the 3 major credit bureaus: Equifax, Experian, or TransUnion. Which report is used is typically the same for all applications in the same U.S. state, but it does differ from state to state.

Your credit report shows credit card accounts reported by other banks where you have accounts. Each reported account shows an opening date and payment history. Chase reviews this information and other information on your credit report as part of its decision process to approve or deny your application.

Which of My Accounts Are Included in the 5/24 Count?

Chase counts all new accounts it sees on your personal credit card report toward its 5/24 total.

Accounts that may count in the Chase 5/24:

  1. New personal credit cards that you open at any bank. Even if you later close these accounts, they still are counted.
  2. Retail credit cards that you open. These are credit cards, too!
  3. If you are added as an authorized user to someone else’s credit card account.
  4. Business cards from Capital One, Discover, and certain other banks. The good news is MOST business credit cards DO NOT count against you under the 5/24 Rule.

Removing an Authorized User

If you are added as an authorized user to someone else’s account, this will be reported to the credit bureaus. Chase doesn’t distinguish between an account in your name (where you are the primary user) and authorized user accounts.

The good news is that with a bit of work, you can erase an authorized user account from your credit report. Here’s how:

  1. Have the primary user contact their bank and remove you as an authorized user.
  2. Contact the 3 credit bureaus to remove the authorized user account from your report (Equifax, Experian, TransUnion). You need to contact all 3 bureaus because you can’t be sure which bureau Chase will use for your application.

Signing up for Chase Credit Cards After 5/24

If you’ve hit 5/24 and are looking to sign up for a new Chase credit card, there are several approaches to take:

1. Sign up for Other Chase Cards

There are plenty of Chase cards that are not impacted by the 5/24 Rule (listed above). You have several co-branded options, including the IHG® Rewards Club Premier Credit Card and the Chase British Airways Visa Signature® Card.

2. In-Branch Pre-Approvals

As much as we all love the internet, did you know you can still sign up for a credit card in person? You will sometimes find that you are pre-approved for a Chase card if you visit a bank branch and speak with a banker.

3. Targeted Mailers

Sometimes you will be sent physical offers in the mail, which you can then either complete by visiting a Chase branch or going online to finish your application.

4. No Longer Working: “Your Offers”

On your Chase Ultimate Rewards account under “Your Offers,” you might find a card offer under “Selected For You.”

As of March 16, 2018, note that these offers no longer bypass the 5/24 Rule.

Final Thoughts

The Chase 5/24 Rule has shaken up how miles and points enthusiasts decide what credit cards to open. Many people who are new to earning credit card points have made earning Chase Ultimate Rewards a priority ahead of applying for credit cards from other banks.

For those already beyond 5/24, it’s a frustrating time to want some of these cards. People are always trying to figure out how they can open a new Chase card, especially when a product like the Chase Sapphire Reserve® is released!

Hopefully, Chase rethinks this rule at some point. Until then, we’ll keep an eye out for any changes and let you know!

Featured Image Courtesy of EQRoy/


What is the Chase 5/24 rule?

This rule refers to a restriction that Chase places on credit card applicants. If you have opened 5 cards in the last 24 months, Chase will not approve you for many of their products.

Are charge cards included in the count of 5?

Yes. Personal charge cards issued by American Express will be counted.

If I'm an authorized user on someone else's account, will that count toward my 5/24?

Yes. However, you can have this authorized user account removed from your personal credit report by contacting the issuing bank.

I'm at exactly 5/24 but not above the limit. Can I still get a card impacted by the rule?

No. At this point, you are restricted by Chase until your time has passed.


Chase Sapphire Preferred® Card

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.


  1. Jonathan · March 16, 2018 · Reply

    The 5/24 rule is strange. It seems to me that Chase is missing out on good customers. I have one Chase card and have applied for others and been rejected from Chase. There are other cards to go for that are similar or better so the pretentious rules only hurt Chase. If I decide to apply for a thousand credit cards that’s my affair, not a banks.

  2. Hi, I got a targeted mailer from Chase for the united card. 50k/$3k is the mailer but ive had this card before and am over 5/24. You think 5/24 doesn’t apply in this case for this targeted mailer?

    • Yes, it would count towards 5/24 – the fact that it’s a targeted offer doesn’t, unfortunately, make a difference. A card application is a card application! Sorry!

  3. Vincent · July 27, 2018 · Reply

    If I get approved for a Southwest Rapid Rewards Premier Business Credit Card, will that count towards 5/24? Compare that to the Ink Preferred/Cash/Unlimited, which don’t count towards 5/24.

    • Michael McHugh · July 30, 2018 · Reply

      Hi Vincent

      The SW Business credit card doesn’t count towards your 5/24 total but you will need to be under 5/24 to be approved.

  4. Does the new IHG club premier credit card also count to the 5/24 rule? I applied for this and the chase credit analyst said I was denied because of to many CC open on the last 24 months…

    • Stephen Au · November 20, 2018 · Reply

      Hey Cesar,

      The IHG card is not currently subject to the 5/24 rule. We would advise you to hang up and call again to get a second opinion. This will be a new data point if what the credit analyst said is true.

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