Chase 5/24 rule: What it is and how it works
- What is the Chase 5/24 rule?
- How the Chase 5/24 rule works
- Which cards count toward the Chase 5/24 rule?
- How to check your 5/24 status
- Strategies for navigating the Chase 5/24 rule
- Simplify business spending with Ramp
If you're thinking about applying for a Chase credit card, it's important to understand the Chase 5/24 rule. This unofficial policy can significantly impact your chances of getting approved, and knowing the rule ahead of time can help you plan more effectively and avoid unnecessary rejections.
We cover what the Chase 5/24 rule is, how it works, and how to navigate it strategically to boost your approval odds.
What is the Chase 5/24 rule?
The Chase 5/24 rule is an unofficial policy that limits who can get approved for most Chase credit cards. It’s designed to discourage credit card “churning,” or the practice of opening credit cards for the sign-up bonuses and then ceasing to use them.
If you’ve opened five or more personal credit cards from any card issuer in the past 24 months, Chase will likely deny your application. Knowing how the rule works can help you time your applications more strategically and avoid unnecessary rejections.
How the Chase 5/24 rule works
The Chase 5/24 rule tracks your credit card application history across all issuers. When you apply for a new Chase credit card, the bank automatically reviews how many personal credit cards you’ve opened in the past 24 months, regardless of the issuer. This count includes cards where you're the primary account holder and those where you're an authorized user.
You may need to prioritize which credit cards you apply for, especially if you're considering multiple cards from different issuers, like American Express (Amex), Capital One, Citi, or Bank of America.
If a new Chase card is your priority, it's smart to apply before reaching five new cards in a two-year span. This ensures your application meets Chase’s criteria and improves your chances of approval.
For example, if you were approved for a card on January 15, 2024, it likely falls off your 5/24 count by February 2026. New approvals may be possible shortly after, but timing isn’t guaranteed.
Which cards count toward the Chase 5/24 rule?
Chase's 5/24 rule automatically denies applications for most Chase credit cards if you opened five or more new credit cards in the past 24 months, regardless of issuer. Although being over 5/24 doesn’t guarantee a denial, it significantly lowers your chances of approval.
The following Chase credit cards are reported to be subject to the 5/24 rule:
Chase personal credit cards
- AARP Credit Card from Chase
- Aer Lingus Visa Signature Card
- Aeroplan Credit Card
- Prime Visa
- British Airways Visa Signature Card
- Chase Freedom
- Chase Freedom Flex
- Chase Freedom Student Credit Card
- Chase Freedom Unlimited
- Chase Sapphire Preferred Card
- Chase Sapphire Reserve
- Chase Freedom Rise Credit Card
- Chase Slate
- Disney Premier Visa Card
- Disney Visa Card
- DoorDash Rewards Mastercard
- Iberia Visa Signature Card
- Instacart Mastercard
- IHG One Rewards Premier Credit Card
- IHG One Rewards Traveler Credit Card
- Marriott Bonvoy Bold Credit Card
- Marriott Bonvoy Boundless Credit Card
- Marriott Bonvoy Bountiful™ Card
- Southwest Rapid Rewards Plus Credit Card
- Southwest Rapid Rewards Premier Credit Card
- Southwest Rapid Rewards Priority Credit Card
- Starbucks Rewards Visa Card
- The New United Explorer Card
- The New United Club Card
- The New United Quest Card
- United TravelBank Card
- The New United Gateway Card
- World of Hyatt Credit Card
Chase business credit cards
- Ink Business Cash Credit Card
- Ink Business Preferred Credit Card
- Ink Business Premier Credit Card
- Ink Business Unlimited Credit Card
- IHG One Rewards Premier Business Credit Card
- Southwest Rapid Rewards Premier Business Credit Card
- Southwest Rapid Rewards Performance Business Credit Card
- United Club Business Card
- The New United Business Card
- World of Hyatt Business Credit Card
How to check your 5/24 status
Chase doesn’t provide your 5/24 status directly, but you can figure it out yourself by reviewing your credit history. Here's how:
- Get your credit report from Experian, Equifax, or TransUnion; you can access a free report at AnnualCreditReport.com
- Review the “accounts” section, which lists all your open and closed credit accounts
- Look for personal credit cards opened in the past 24 months and note their opening dates
- Count all new personal credit cards, including store cards and those from all issuers, not just Chase
- Include authorized user accounts, as they may be factored into your 5/24 total
Once you know where you stand, you can plan your next credit card application with confidence.
Strategies for navigating the Chase 5/24 rule
Here are a few ways to stay on top of your credit activity and make smarter application decisions:
Limit your credit card applications
Focus on only applying for the credit cards you truly want. If you're close to the 5/24 limit, prioritize Chase cards before hitting five new accounts in 24 months. This helps you avoid automatic denials and improves your chances of getting the cards that best fit your needs, without overextending your credit or hurting your score.
Track your card opening dates
Keep a detailed record of the opening dates of all your credit cards. This helps you track when each account was opened and when it will age from the 24-month window. Use a simple spreadsheet or a dedicated app to log these dates and set reminders for when certain cards will no longer count toward the 5/24 limit.
Manage authorized user roles
Authorized user accounts also count toward the 5/24 rule. If you’re an authorized user on someone else’s card, it can impact your status. Consider removing yourself as an authorized user if it helps you stay under the limit. Additionally, if you’re adding authorized users to your own cards, be aware that this may affect their ability to apply for Chase cards.
Simplify business spending with Ramp
The Chase 5/24 rule can limit your options, especially if you're growing a business and need flexible access to credit. If traditional cards are holding you back, the Ramp Business Credit Card offers a better way to manage spending, with no personal credit checks or guarantees required.
Issue unlimited virtual and physical cards, restrict spend by category or vendor, and streamline approvals with personalized workflows. Even submitting expenses is simple: Just text a receipt to a dedicated number, use the mobile app, or let smart integrations handle it for you.
With no impact on your personal credit and access to over $350,000 in partner perks, Ramp is designed to help you move fast without sacrificing control. Try an interactive demo and see why companies that choose Ramp save an average of 5% a year across all savings.
Disclaimer: The information provided in this article has not been officially confirmed by Chase and is subject to change.
FAQs
If you are an authorized user on someone else’s credit card, the card will likely count toward your 5/24 score.
Chase business cards typically don’t count toward your 5/24 total because they aren’t reported to personal credit bureaus. However, you usually must be under 5/24 to get approved for most Chase business cards in the first place.
Product changes or upgrades typically don’t count as new accounts and won’t affect your 5/24 status. However, if the change involves a new account number, it might be treated as a new account and count toward your limit. Check with your issuer for confirmation.
Chase doesn’t count hard pulls or inquiries when considering your credit card approval eligibility. It only looks at open credit card accounts versus hard inquiries and other aspects of your credit report. Chase also doesn’t count mortgages, auto loans, student loans, and credit cards for which you were not approved.
There’s no official workaround, but you can wait for older accounts to age out of the 24-month window or apply for cards from other issuers in the meantime. Product changes within Chase (like upgrades or downgrades) typically don’t count as new accounts and won’t affect your 5/24 status. Just be sure to confirm there’s no hard pull or new account number involved.
The unofficial Chase 2/30 rule says that you can only submit two credit card applications every 30 days or face automatic rejection. The date of approval for a card marks the start of the time clock.
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