Chase has a well-documented credit card application rule known as the Chase 5/24 rule. Although Chase doesn’t officially acknowledge the 5/24 rule, it’s widely known with thousands (if not millions) of data points specifically attributed to this.
If you’re not cognizant of this rule, you could be unexpectedly denied for the new Chase card you’ve been eyeing — but there is a way you can avoid falling victim to the 5/24 rule: apply for cards that don’t count against the rule.
In this guide, we’ll show you the best credit cards you can get that don’t add to the 5/24 rule.
What Is Chase’s 5/24 Rule?
Simply put, if you’ve opened 5 or more new credit cards in the last 24 months, Chase won’t approve you for any of its credit cards.
Remember, any newly opened credit cards in the last 24 months will count, not just newly opened Chase credit cards.
Currently, all of Chase’s credit cards are subject to the 5/24 rule.
Hot Tip: New accounts take time to show up on your credit reports. So if you just learned about the Chase 5/24 rule and recently applied for your fifth credit card in 24 months, you may have a brief window when you can still apply for a Chase card and avoid instant denial at the hands of the 5/24 rule.
How To Check Your 5/24 Status
When you apply for a credit card, the bank will almost always retrieve a copy of your personal credit report — this is known as a hard inquiry or hard pull.
When you apply for a Chase card, the issuer will pull a credit report from 1 of the 3 major credit bureaus: Equifax, Experian, or TransUnion. Usually, Chase will pull your Experian credit report, but the exact bureau will depend on your geographic location.
Within your credit report, you can see a list of your open accounts, including mortgage loans, credit cards, auto loans, personal loans, and student loans.
To figure out your 5/24 status, just count the number of credit cards that were opened within the prior 24 months.
Why Should I Care About Chase’s 5/24 Rule?
Chase’s 5/24 rule is one of the most restrictive in the industry. By thoughtfully following Chase’s rules, you can access some of the best credit cards around.
Between huge welcome bonuses, strong benefits, and fantastic rewards structures, it’s definitely a good idea to get your foot in the door with Chase.
Which Credit Cards Add to 5/24?
All personal credit cards add to 5/24, as does being added as an authorized user. Even store cards you’d find at JCPenney or Target add to 5/24! And finally, business credit cards issued by Capital One, Discover, and TD Bank add to your 5/24 count.
Remember, 5/24 is a credit card count, so home loans, student loans, personal loans, and auto loans don’t count.
The 13 Best Credit Cards That Don’t Add to Chase’s 5/24 Rule
The best credit cards that don’t add to your 5/24 count are business cards not issued by Capital One, Discover, or TD Bank.
That means all of the major business cards from American Express, Barclays, Chase, and Citi do not add to the Chase 5/24 rule, simply because these cards aren’t reported on your personal credit reports.
Let’s get to the list!
1. The Business Platinum Card® from American Express
Hot Tip: Check to see if you’re eligible for a huge welcome offer of up to 150,000 points with the Amex Business Platinum! (The current public offer is 120,000.)
The Amex Business Platinum card is pretty much as high-end as it gets for a business card. In particular, we recommend this card for high-spending business owners who need abundant perks and benefits.
This card earns as follows:
- 5x Membership Rewards points on flights and prepaid hotels booked through Amex Travel
- 1.5x Membership Rewards points on eligible purchases in key business categories and on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year)
- 1x Membership Rewards points on all other purchases
This card has a steep annual fee, but with so many benefits and a great welcome offer, you’ll end up way ahead, no matter how you slice it.
The first thing you’ll notice is that this is hands down the best business card for airport lounge access. With the Amex Business Platinum card, you’ll get access to the American Express Global Lounge Collection with over 1,400 lounges consisting of the following networks:
You’ll also be entitled to enroll in complimentary Hilton Honors and Marriott Bonvoy Gold elite status, an up to $200 airline fee credit every calendar year, a 35% Pay with Points rebate on flights, access to Amex Fine Hotels & Resorts, and a Global Entry/TSA PreCheck application fee credit.
The Amex Business Platinum card boasts exceptional travel insurance, ranging from trip interruption and cancellation coverage to baggage insurance and everything in between.
To round out the major benefits, get up to $400 in statement credits for U.S. purchases with Dell, up to $360 in Indeed credits, up to $150 in Adobe credits, up to $120 in wireless credits, $189 in CLEAR credits, top-notch cell phone protection, and excellent purchase protection.
This card has no preset spending limit, which means your spending power may be greater than a conventional credit card.
2. American Express® Business Gold Card
Hot Tip: Check to see if you’re eligible for a huge welcome offer of up to 110,000 points with the Amex Business Gold! (The current public offer is 70,000.)
The Amex Business Gold card is widely regarded to be the little sibling of the Amex Business Platinum card. But in some ways, this card is actually better than its ultra-premium big sibling!
This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):
- Airfare purchased from airlines
- U.S. purchases for advertising in select media
- U.S. purchases made from select technology providers of computer hardware, software, and cloud solutions
- U.S. purchases at gas stations
- U.S. purchases at restaurants
- U.S. purchases for shipping
If you spend $150,000 in a calendar year on advertising or shipping, for example, you would end up with 600,000 Amex points every year! Beyond that, you’d earn 1 Amex point per $1 spent.
A unique benefit of this card is that you don’t need to select any bonus categories — Amex does it automatically for you based on where you’d earn the most points.
This card doesn’t come with the flashy lounge access perks, big statement credits, and hotel elite status of the Amex Business Platinum card, but it does have travel insurance, secondary rental car insurance, purchase protection, extended warranty benefits, no preset spending limit, and no annual fee to add 99 total employee cards after the first employee card at $50 (see rates and fees).
The Amex Business Gold card outclasses most other business cards in rewards from spending, which is critical for business owners who spend a lot.
Hot Tip: Be sure to check out our detailed comparison of the Amex Business Platinum card vs. the Amex Business Gold card!
3. Ink Business Preferred® Credit Card
Our favorite Chase business credit card is the Ink Business Preferred card. It offers a solid welcome bonus, fantastic bonus categories on business purchases, and strong overall perks.
You can earn 3x Ultimate Rewards points per $1 spent on up to $150,000 in combined purchases on the following categories:
- Internet, cable, and phone services
- Ads purchased with search engines or social media sites
You’ll also earn 5x Ultimate Rewards points per $1 spent on Lyft purchases through March 31, 2025. All other purchases earn 1 point per $1.
The Ink Business Preferred card boasts excellent cell phone protection insurance, purchase protection, extended warranty coverage, primary rental car coverage, other travel insurance benefits, and no foreign transaction fees.
4. Ink Business Unlimited® Credit Card
If you’re a business owner with a lot of odd expenses here and there, the Ink Business Unlimited card has you covered as you’ll earn an unlimited 1.5% cash-back on all business purchases you make.
The best part about this is that if you also have an Ultimate Rewards-earning credit card such as the Chase Sapphire Preferred® Card, you can convert your 1.5% cash-back to 1.5x Ultimate Rewards points.
This means you’ll get a 3% return on spending, considering we value Ultimate Rewards points at 2 cents apiece.
Also, the Ink Business Unlimited card offers primary rental car coverage when renting for business purchases, purchase protection, extended warranty, zero liability fraud protection, no-cost employee cards, and an introductory APR offer.
5. Ink Business Cash® Credit Card
The Ink Business Cash card offers exceptional bonus categories for the business owner who makes specific types of purchases.
Beyond the amazing welcome bonus, you’ll earn 5% cash-back on up to $25,000 in combined purchases on internet, cable, and phone services and at office supply stores every cardmember year.
Additionally, you’ll earn 2% cash-back on up to $25,000 in combined purchases at gas stations and restaurants every cardmember year. All other purchases earn 1% cash-back.
Remember, the Ink Business Cash card’s 5%, 2%, and 1% cash-back categories can be converted to 5x, 2x, and 1x Ultimate Rewards points if you have a card such as the Chase Sapphire Preferred card.
The Ink Business Cash card also offers primary car rental insurance when renting for business purposes, travel insurance, purchase protection, and no-cost employee cards.
6. World of Hyatt Business Credit Card
One of the newest Chase credit cards is the World of Hyatt Business card — and it’s one of the most anticipated new credit card products.
This card boasts a decent welcome bonus, as well as the following bonus categories:
- 9x spent at Hyatt — 4 bonus points per $1 when you use your card at Hyatt hotels and 5 base points per $1 from Hyatt as a World of Hyatt member
- 2x spent on the 3 categories you spend the most on in each calendar quarter through December 31, 2022 (then it drops to your top 2 categories)
- Eligible categories include dining, airline tickets purchased directly with the airline, car rental agencies, local transit and commuting, gas stations, internet, cable and phone services, social media and search engine advertising, and shipping
- 2x spent on fitness club and gym memberships
- 1x point per $1 spent on all other purchases
It doesn’t end there, though. You’ll get automatic World of Hyatt Discoverist status, as well as the ability to gift World of Hyatt Discoverist status to up to 5 employees.
There’s also up to $100 in annual Hyatt credits (2 $50 statement credits), the ability to earn 5 Elite Night Credits for every $10,000 you spend on the card in a calendar year, a 10% points rebate after spending $50,000 in a calendar year (up to 20,000 points per year), and access to the Hyatt Leverage program for discounts.
Furthermore, you’ll get top-shelf travel coverages, including primary rental car insurance, and trip cancellation and interruption insurance.
The card also comes with purchase protection and extended warranty coverage.
Hot Tip: If you make a lot of business purchases, you can spend your way to top-tier World of Hyatt Globalist status with the World of Hyatt Business card!
7. The Blue Business® Plus Credit Card from American Express
One of our favorite overall business credit cards is the Amex Blue Business Plus card, especially if you don’t spend tens of thousands of dollars every month.
With the Amex Blue Business Plus card, earn 2x Membership Rewards points on everyday business purchases with a cap of $50,000 in total purchases per calendar year (1x points after that).
There are a couple of other perks, too, including secondary rental car coverage, purchase protection, extended warranty, access to Amex Offers, expanded buying power, and no-additional-cost employee cards (see rates and fees).
8. American Express Blue Business Cash™ Card
The Amex Blue Business Cash card is a great product for those looking for a simple credit card that offers solid cash-back rewards.
With this card, you’ll earn 2% cash-back on the first $50,000 you spend every calendar year (1% after that).
This card also applies all rewards automatically to your billing statements, so you don’t need to worry about redeeming your rewards!
Other handy benefits include access to expanded buying power and no-cost employee cards (see rates and fees).
9. The Plum Card® from American Express
One of the most interesting cards available is the Amex Plum card, a business card that’s used more for cash-flow management.
With this card, you can take up to 60 days to pay your bills off interest-free! Also, if you pay your bill off early, you can get a 1.5% Early Pay Discount with no caps.
This card also offers purchase protection, travel insurance, roadside assistance, no preset spending limits, additional employee cards for no annual fee, and more.
10. The Hilton Honors American Express Business Card
There’s just a single business credit card that earns Hilton points: the Hilton Business Amex card.
This card is jam-packed with value, starting with a strong welcome offer.
Beyond that, you can earn up to 12x Hilton Honors points as follows:
- 12x Hilton Honors points per $1 spent at hotels and resorts in the Hilton portfolio
- 6x Hilton Honors points per $1 at U.S. gas stations, U.S. restaurants, on wireless phone services from U.S. providers, on U.S purchases for shipping services, on flights booked directly with the airline or through Amex Travel, and car rentals booked directly with select car rental companies
- 3x Hilton Honors points per $1 spent on all other purchases
Also, this card confers automatic Hilton Honors Gold status and offers the ability to earn Diamond status if you spend $40,000 or more in a calendar year.
It’s rounded out with 10 complimentary lounge visits per year with a Priority Pass Select membership upon enrollment.
11. United℠ Business Card
The United Business card is a terrific choice for United loyalists looking to enjoy United-specific benefits.
Start with the eye-opening welcome bonus and enjoy the ability to earn:
- 2 miles per $1 spent on United purchases, dining (including eligible delivery services), gas stations, office supply stores, and local transit and commuting
- 1 mile per $1 spent on all other purchases
You can also enjoy a free first checked bag, a 5,000-mile “better together” bonus when you have both the United Business card and a personal United credit card, no foreign transaction fees, and no-cost employee cards.
12. Southwest Rapid Rewards® Performance Business Credit Card
The Southwest Performance Business card is the most premium Southwest credit card available.
When you open this card, you can take advantage of a solid welcome bonus and earn up to 4x points on purchases:
- 4x Rapid Rewards points per $1 spent on Southwest purchases
- 3x Rapid Rewards points per $1 spent on Rapid Rewards hotel and car partners
- 2x Rapid Rewards points per $1 spent on rideshare purchases, social media/search engine ads, and internet, cable, and phone services
- 1x Rapid Rewards points per $1 spent on all other purchases
Also, you get 4 Upgraded Boardings for Southwest flights, a Global Entry/TSA PreCheck/NEXUS application fee reimbursement, a $500 fee credit for Rapid Rewards points transfers per year, and a card anniversary bonus of 9,000 bonus points. Lastly, you have the ability to earn unlimited Tier Qualifying Points (TQPs) towards A-List status at a rate of 1,500 TQPs per $10,000 spent on the card.
13. Southwest Rapid Rewards® Premier Business Credit Card
The last card we’ll discuss is the Southwest Premier Business card, a lower-annual-fee version of the Southwest Performance Business card.
This card has an impressive welcome bonus and the ability to earn up to 3x Rapid Rewards points:
- 3x Rapid Rewards points per $1 spent on Southwest purchases
- 2x Rapid Rewards points per $1 spent on Rapid Rewards hotel and car partners and on rideshare purchases
- 1x Rapid Rewards points per $1 spent on all other purchases
The card has a variety of other perks, including 2 EarlyBird Check-In opportunities each year, 25% back on inflight purchases, a $500 fee credit for points transfers per year, no foreign transaction fees, and no-cost employee cards.
Staying under Chase’s 5/24 rule can preserve your ability to access a fantastic landscape of credit cards, rewards, and benefits.
In order to stay under 5/24, you should strive to apply for business cards that are not issued by Capital One, Discover, or TD Bank. Stick to business cards from Amex, Chase, Citi, or Barclays, and you’ll be in great shape.
We’ve outlined our top picks for the best credit cards that don’t add to your 5/24 count, but the best card for you will ultimately depend on your exact needs.
For rates and fees of The Business Platinum Card® from American Express, click here.
For rates and fees of the American Express® Business Gold Card, click here.
For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.
For rates and fees of the American Express Blue Business Cash™ Card, click here.
For rates and fees of The Plum Card® from American Express, click here.
For rates and fees of The Hilton Honors American Express Business Card, click here.