How I Have 14 Chase Credit Cards Without Breaking the Application Rules

Over the past decade, I have applied for — and been approved for — over 25 Chase personal and business credit cards. As of 2025, I still have 14 active Chase cards in my lineup.

For points and miles enthusiasts, it’s easy to understand why. Chase has some of the best and most popular credit cards available today, and many are worth carrying long-term.

That said, no conversation around Chase cards is complete without mentioning the bank’s unofficial 5/24 rule, and rightly so. This rule can prevent you from being approved for many Chase credit cards simultaneously.

Here’s a closer look at what exactly the Chase 5/24 rule is, and how I’ve learned to work with it to grow and maximize my rewards card portfolio.

What Is Chase’s 5/24 Rule?

Nearly every credit card issuer has criteria for who can qualify for new accounts. Chase is no different.

Simply put, the Chase 5/24 rule means the bank will likely not approve you for any new cards if you have already opened 5 (or more) credit card accounts in the last 24 months, even if you have an excellent credit score. If you have been approved for 5 or more personal cards — from any issuer — in the past 24 months, you will likely be denied a new Chase card, whether it is a personal card or a business one.

There are no workarounds aside from waiting for a new account to be over 24 months old.

How To Calculate Your Chase 5/24 Status

If you are looking to apply for a new Chase credit card, make sure you know what your 5/24 status is. Fortunately, that is relatively easy to do.

To calculate your 5/24 status, count the number of all credit cards accounts that you have opened in the past 24 months. This includes credit cards reported to your personal credit report, from any bank.

This includes personal credit cards from issuers such as American Express (among many others), specific retail store credit cards, cards you are listed as an authorized user on, and even certain business cards. Business credit cards that do not show up on your personal credit report do not count toward your 5/24 status.

All of the Chase Cards I Have In My Wallet

Currently, I have 14 Chase credit cards. To many, that may seem like overkill — but I have a reason for each card. Over the years, I have product-changed a few of the Chase cards, mainly to the no-annual-fee Freedom cards.

A product change is when you switch from one credit card to another one from the same issuer. And yes, it is possible to have multiple Chase Freedom cards at once.

Here’s a look at the 14 Chase cards I currently have:

• Chase Freedom Flex^®
• Chase Freedom Unlimited^®
• Chase Freedom^® card (closed to new applicants)
• Chase Sapphire Preferred^® Card
• The World of Hyatt Credit Card
• IHG One Rewards Premier Credit Card
• IHG One Rewards Premier Business Credit Card
• Marriott Bonvoy™ Premier Plus Business Credit Card (closed to new applicants)
• The Ritz-Carlton™ Credit Card (closed to new applicants)
• The New United Gateway℠ Card
• Aeroplan^® Credit Card
• Ink Business Preferred^® Credit Card
• Ink Business Cash^® Credit Card
• Ink Business Unlimited^® Credit Card

How I Have Multiple Chase Credit Cards

Although I currently have over 30 active credit card accounts across nearly every major card issuer, I am still eligible to apply for new Chase cards occasionally. This is because I strategize which cards I want and maximize the timing of new credit card applications.

Here are ways I strategically apply for credit cards to limit how much Chase 5/24 can restrict me.

1. Prioritize Chase Cards

Even though I usually don’t apply for more than one credit card at a time, I like to pick up a new one every few months. When I’m ready to apply — whether it’s for one or multiple cards — I begin by determining which card will have the least impact on my long-term credit card strategy.

For example, let’s say I’ve opened 4 credit cards in the last 24 months and I’m ready for another — but business cards aren’t an option or don’t have strong welcome offers. Therefore, if I’m choosing between a Chase card and one from a different issuer, I’ll almost always apply for the Chase card first.

If I get approved for a personal credit card from a different bank, I’d hit the “5/24” threshold and no longer be eligible for the Chase card. However, if I apply for the Chase card first, I could still get the other one later, since it wouldn’t be subject to Chase’s 5/24 rule.

2. Understand Chase Sapphire Card Rules

On top of Chase’s 5/24 rule, there are some other restrictions around the Chase Sapphire card family. The issuer also limits you to 1 Sapphire card at a time, meaning you can’t hold both the Chase Sapphire Preferred card and the Chase Sapphire Reserve card simultaneously. Plus, you won’t be eligible for a welcome bonus on either Sapphire card if you’ve received one within the last 48 months.

Right now, the Chase Sapphire Preferred card has a limited-time welcome bonus offer of 100,000 points after spending $5,000 in the first 3 months of account opening. If you’ve had the Chase Sapphire Preferred card for more than 4 years, you may be eligible for another welcome bonus offer.

LIMITED-TIME OFFER

Terms Apply / Rates & Fees

Chase Sapphire Preferred^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

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Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome Offer

Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

100,000 points

UP's Offer Valuation*:

$2,000

Annual Fee

$95

APR

19.99% - 28.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

The Chase Sapphire Preferred^® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons

Pros

• 5x points on all travel booked via the Chase Travel portal
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

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Card Highlights

• Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Member FDIC

Financial Snapshot

• APR: 19.99% - 28.24% Variable
• Foreign Transaction Fees: None

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3. Apply for Business Cards Instead

Many business cards, including those issued by Chase, American Express, Bank of America, Citi, and a select few from Capital One, do not show up on your personal credit report. That means that I can apply for one or more business cards without hurting my 5/24 status.

For example, if I were at 4/24 status, I could apply for a business card while I waited for a personal card to fall off my total new cards received in the past 24 months. I would then have more flexibility to apply for a Chase personal card.

It is important to note that Chase business cards are also subject to the 5/24 rule. However, if you are 4/24 (or below), you can apply for a Chase business card without it affecting your 5/24 count — since business cards don’t appear on your personal credit report.

Final Thoughts

Despite having more than 30 credit cards and the Chase 5/24 rule, I have still been able to get new Chase cards over the years. This is best done by strategizing my credit card arsenal and timing new credit card applications.

By prioritizing Chase cards and applying for business cards, I have been able to keep myself under 5/24 despite getting approved for several new cards each year.