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These business cards can help you stay under Chase’s 5/24 rule

May 04, 2021
7 min read
a coffee shop owner holds a credit card while reviewing business reports
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Chase issues some of the most sought-after rewards cards on the market, but the bank also has some of the strictest policies regarding credit card "churning." It makes you wait 48 months between earning Sapphire sign-up bonuses, and there is also its infamous 5/24 rule.

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Chase has never officially commented on the 5/24 rule’s existence, but crowdsourced data confirms that applicants will almost certainly be denied new Chase cards if they have opened five or more accounts across issuers in the past 24 months.

All personal credit card accounts count toward the rule: cards with no preset spending limits, certain store cards and authorized user accounts. However, many business credit cards — including those issued by Chase — aren’t considered when Chase determines your 5/24 standing.

If you’re trying to stay under 5/24, you can still rack up points and miles bonuses with business cards without affecting your ability to sign up for Chase cards in the future. This isn't an exhaustive list, but it covers some of my favorite business cards available right now.

Chase Ink Business Preferred Credit Card

Sign-up bonus: Earn 100,000 points after you spend $15,000 on purchases in the first three months.

Annual fee: $95.

While you have to be under 5/24 in order to be approved for this card, the Ink Business Preferred won’t count as one of the five. The card is currently offering a stellar 100,000-point sign-up bonus (after spending $15,000 in the first three months of card membership) that's worth $2,000 according to TPG valuations — plus it comes with a variety of bonus categories that appeal to business owners. One of the most compelling aspects of this Chase card is the ability to combine your points with your personal Chase accounts for maximum redemption value — the Ink Business Preferred, Chase Freedom Unlimited and Chase Sapphire Reserve actually make up the Chase Trifecta.

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Read our full card review here.

Related: Reasons to get the Ink Business Preferred Credit Card

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Sign-up bonus: Earn 65,000 American Airlines AAdvantage bonus miles after spending $4,000 in purchases within the first four months of account opening.

Annual fee: $99 (waived the first year).

Whether or not you fly American frequently, that sign-up bonus alone is valuable because American is a member of the Oneworld alliance. There are a lot of great redemption options for anyone who can find the sweet spots in the AAdvantage program, including round-trip economy flights to Europe or even a one-way business-class transcontinental flight. For those who do fly with American often, you’ll also enjoy perks such as a free checked bag on domestic itineraries and 25% off inflight purchases.

Read our full card review here.

Related: What credit score do you need to get the CitiBusiness / AAdvantage Platinum Select Mastercard?

The information for the CitiBusiness AAdvantage Platinum card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Marriott Bonvoy Business® American Express® Card

(Photo by The Points Guy)

Welcome bonus: Earn Earn 75,000 bonus points after you use your new card to make $3,000 in purchases within the first three months of card membership.

Annual fee: $125 (see rates and fees).

Another option is the Marriott Bonvoy Business Amex, with a welcome bonus worth $630 according to TPG valuations. With the Bonvoy Business Amex, you’ll get complimentary Gold Elite status, a free award night every year after your card renewal month (worth up to 35,000 points) and other Marriott perks. Chase Ultimate Rewards points transfer to Marriott, so this is a great card to pair with your existing Chase accounts.

Read our full card review here.

Related: Here’s why you need both a personal and business Marriott Bonvoy credit card

Chase Ink Business Unlimited Credit Card

Sign-up bonus: Earn $750 cash back after you spend $7,500 on purchases in the first three months of account opening.

Annual fee: $0.

Perfect for those who like flat-rate cards, the Ink Business Unlimited offers unlimited 1.5% cash back on every business purchase. If you have other Chase cards, the bonus comes in the form of 75,000 points, which can be pooled with your Chase Ultimate Rewards cards — Ink Business Preferred Credit Card, Chase Sapphire Preferred Card or Chase Sapphire Reserve — for the best redemption value. For those who need a flat-rate card for non-bonus category spending, this no-annual-fee card is the perfect way to stay under the 5/24 rule while still adding Chase cards to your wallet.

Read our full card review here.

Related: Your guide to the Chase Ink Business credit cards

Things to consider when applying

Pretty much any small-business credit card (with the exception of Capital One, Discover and TD Bank cards) can help you continue to earn sign-up bonuses while staying under 5/24. However, keep in mind that other issuers have their own restrictions in place that might affect your approval.

It’s also important to note that you don’t have to have a brick-and-mortar store in order to apply for a business credit card. Whether you sell used clothes or art online, tutor on the side or simply spend your own money on business expenses as an employee, you’re eligible to apply for a business card.

Just remember that you should try to keep business and personal expenses separate whenever possible. Business cards do not have the same consumer protections as personal cards, and mixed expenses can get messy during tax season.

Related: Why you should get a business credit card

Bottom line

While Chase cards offer real long-term value for cardholders, Chase is diligent about monitoring account applications. If you try to apply for too many cards in a short time span, you could risk getting your account permanently shut.

Business cards can come in handy when you’re trying to remain compliant with the Chase 5/24 rule. If you time your applications correctly, you can space out your personal card sign-ups by applying for a business one to earn a welcome bonus.

For more on Chase's 5/24 rule, see these related articles:

Additional reporting by Stella Shon.

For rates and fees of the Marriott Bonvoy Business, please click here.

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.