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Chase’s 5/24 rule: Everything you need to know

Matt MoffittContributing editor
Matt Moffitt is a contributing editor and expert in getting the most out of credit cards and points (he carries at least 25 cards in his wallet at any given time). Originally from Sydney, Australia, he won the Green Card Lottery and lived in Austin, Texas for 10 years before relocating to Spain in 2025.

August 24, 2026 • 9 min read

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Quick summary

The 5/24 rule limits approvals for certain rewards cards if you have opened five or more personal credit cards from any bank in the past 24 months.
Most rewards cards from this issuer are subject to the 5/24 rule, and your count includes cards from all banks, not just this one.
Some business cards and authorized user accounts may also count toward your 5/24 status, while loans and denied applications do not.
There are rare exceptions, such as targeted offers or product changes, but generally, exceeding 5/24 restricts new approvals.

What to consider

Spacing out applications by at least three to four months is recommended to avoid scrutiny or account shutdowns.
You can check your 5/24 status by reviewing your credit report and counting accounts opened in the last 24 months.
Product changes may or may not count as new accounts, depending on how the bank processes them.

What you'll miss from the article

A detailed guide to calculating your 5/24 standing and strategies for navigating exceptions or targeted offers.

Generated by AI with support from our editorial team.

If you’ve spent even a few minutes researching Chase credit cards, you’ve probably come across the infamous “5/24 rule.”

For many points and miles enthusiasts, it’s one of the most important — and frustrating — restrictions in the credit card world.

While Chase has never officially published the policy, countless applicant data points show that opening too many credit cards in a short period can make you ineligible for many of the bank’s most popular cards.

Here’s what you need to know about Chase’s 5/24 rule, including which cards are affected, what counts toward your total and whether there are any ways around it.

What is the Chase 5/24 rule?

In order to be approved for most Chase cards subject to 5/24, you cannot have opened five or more personal credit cards across all banks in the last 24 months (more on business cards in a moment).

Chase Bank branch exterior — WYATT SMITH/THE POINTS GUY

The 5/24 rule applies only to approvals for cards issued by Chase, but your 5/24 count includes credit cards from all banks.

Are all Chase cards subject to 5/24?

Most Chase-issued rewards cards, including cobranded cards, are subject to the 5/24 rule for approval. The following are cards generally considered subject to the 5/24 rule:

Chase Air Canada Aeroplan® Credit Card (see rates and fees)
Aer Lingus Visa Signature® Card*
British Airways Visa Signature® Card (see )
Chase Freedom Flex® (see )
Chase Freedom Unlimited® (see )
Chase Sapphire Preferred® Card (see )
Chase Sapphire Reserve® (see )
Chase Sapphire Reserve for Business℠ (see )
Disney® Inspire Visa® Card (see )
Disney® Premier Visa® Card (see )
Disney® Visa® Card (see )
Iberia Visa Signature® Card*
IHG One Rewards Business Credit Card (see )
IHG One Rewards Premier Credit Card (see )
IHG One Rewards Credit Card (see )
Ink Business Cash® Credit Card (see )
Ink Business Preferred® Credit Card (see )
Ink Business Premier® Credit Card (see )
Ink Business Unlimited® Credit Card (see )
Marriott Bonvoy Bold® Credit Card (see )
Marriott Bonvoy Boundless® Credit Card (see )
Marriott Bonvoy Bountiful® Credit Card*
Prime Visa*
Southwest® Rapid Rewards® Performance Business Credit Card (see )
Southwest Rapid Rewards® Plus Credit Card (see )
Southwest® Rapid Rewards® Premier Business Credit Card (see )
Southwest Rapid Rewards® Premier Credit Card*
Southwest Rapid Rewards® Priority Credit Card (see )
United℠ Business Card (see )
United Club℠ Card (see )
United℠ Explorer Card (see )
United Gateway℠ Card (see )
United Quest℠ Card (see )
World of Hyatt Business Credit Card (see )
World of Hyatt Credit Card (see )

*The information for these cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Reader reports also indicate that applying for too many Chase cards too quickly can lead to account scrutiny and shutdowns, regardless of your 5/24 status. Some data points indicate that Chase will not approve more than two new accounts within 30 days.

Many experts recommend spacing out applications by at least three to four months.

Remember that 5/24 is not the only factor determining whether your Chase credit card application is approved. Your credit score, income, debt levels and many other variables are also considered.

For business cards, Chase may also request documentation, such as financial statements or articles of organization, to verify that you have a legitimate business or sole proprietorship.

How do I check my 5/24 status?

We’ve found the easiest way to check your 5/24 status is to sign up for Experian’s free credit report service. (Make sure you don’t accidentally sign up for a paid service.)

Using the Experian app, you can view all of your accounts and sort them by the date they were opened. From here, count all accounts opened within the last 24 months.

Chase only checks whether an account was opened, even if it has since been closed. Applications that were denied won't count against your 5/24 status either.

Woman working on laptop in kitchen — MOMOPRODUCTIONS/GETTY IMAGES

According to the most recent data points, you will not technically be below 5/24 until the first day of the 25th month after your fifth account was opened. For example, if your fifth-most-recent account was opened in October 2024, do not apply for a new card until Nov. 1, 2026, at the earliest.

What accounts add to your 5/24 status?

The following accounts count toward your 5/24 standing:

All personal credit cards opened with any bank in the immediate past 24 months (even if they’re now closed).
Business cards opened with Discover and TD Bank in the past 24 months, plus most Capital One small-business cards (except the Capital One Venture X Business and Capital One Spark Cash Plus).
Authorized user cards from another person’s personal card opened in the past 24 months, as they’re reported on your credit report. (However, you can call the Chase reconsideration line and ask that these accounts not be considered.)
Specific store cards opened in the last 24 months that are part of a national payment system and can be used at other locations. Some data points suggest that even store cards that can only be used at a single establishment also now count.

To be safe: Assume that if it's a credit card and it shows up on your credit report, Chase will count it.

Man using laptop while holding card — WESTEND61/GETTY IMAGES

The following accounts will not count toward your 5/24 standing:

Cards for which you applied but were ultimately denied (credit inquiries aren’t counted)
Small-business cards from most card issuers, with the known exceptions listed above
Auto and student loans
Mortgages

What about card conversions and upgrades?

Depending on how a bank processes a card conversion or upgrade (also known as a product change), it might not be reported as a new account. Before completing an upgrade or product change, ask the bank if a hard credit pull will be completed.

In addition, ask if you’ll receive a new account number after the switch.

If the answer to one (or both) of these questions is yes, that could be a sign that the account will be considered new and add to your 5/24 standing.

Are there ways around the 5/24 rule?

There have been recent instances in which cardholders bypassed the 5/24 rule through targeted “Just for you” offers.

To see if you’re targeted, navigate to “Just for you” under “Explore products” in the left-hand menu bar when you’re logged in to your online Chase account.

Man sitting with a tablet. — MSTUDIOIMAGES/GETTY IMAGES

If you want a card but are over the 5/24 limit, you can attempt a product change within the Chase Ultimate Rewards card family (assuming you’ve held the card you want to convert for at least a year).

However, unless you’ve been specifically targeted for a bonus to upgrade a card, you will not receive a welcome bonus for any product change.

I can speak to this situation from experience: I've been over 5/24 for years now — I carry more than 25 credit cards in my wallet — so new Chase approvals simply aren't in the cards for me in the foreseeable future.

That's pushed me to diversify into other issuers to keep earning transferable points now that new Chase cards are off the table. My most recent addition was the Wells Fargo Autograph Journey® Card (see ), chosen specifically for its growing list of transfer partners.

Bottom line

Chase’s 5/24 rule is well established and shows no signs of disappearing anytime soon. This means you need to be strategic with your application timing to maximize your five allowed Chase slots.

If you’re starting in the realm of credit card rewards and aren’t close to 5/24, you’ll want to prioritize getting Chase cards first.

But remember not to try to fill your five slots with Chase cards too quickly. Take it slow and be smart about which cards you apply for and when.

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.

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Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
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Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
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No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.

Pros

Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)

Cons

Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits

You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.

If you’ve spent even a few minutes researching Chase credit cards, you’ve probably come across the infamous “5/24 rule.”

For many points and miles enthusiasts, it’s one of the most important — and frustrating — restrictions in the credit card world.

Here’s what you need to know about Chase’s 5/24 rule, including which cards are affected, what counts toward your total and whether there are any ways around it.

What is the Chase 5/24 rule?

In order to be approved for most Chase cards subject to 5/24, you cannot have opened five or more personal credit cards across all banks in the last 24 months (more on business cards in a moment).

The 5/24 rule applies only to approvals for cards issued by Chase, but your 5/24 count includes credit cards from all banks.

Are all Chase cards subject to 5/24?

Most Chase-issued rewards cards, including cobranded cards, are subject to the 5/24 rule for approval. The following are cards generally considered subject to the 5/24 rule:

Chase Air Canada Aeroplan® Credit Card (see rates and fees)
Aer Lingus Visa Signature® Card*
British Airways Visa Signature® Card (see )
Chase Freedom Flex® (see )
Chase Freedom Unlimited® (see )
Chase Sapphire Preferred® Card (see )
Chase Sapphire Reserve® (see )
Chase Sapphire Reserve for Business℠ (see )
Disney® Inspire Visa® Card (see )
Disney® Premier Visa® Card (see )
Disney® Visa® Card (see )
Iberia Visa Signature® Card*
IHG One Rewards Business Credit Card (see )
IHG One Rewards Premier Credit Card (see )
IHG One Rewards Credit Card (see )
Ink Business Cash® Credit Card (see )
Ink Business Preferred® Credit Card (see )
Ink Business Premier® Credit Card (see )
Ink Business Unlimited® Credit Card (see )
Marriott Bonvoy Bold® Credit Card (see )
Marriott Bonvoy Boundless® Credit Card (see )
Marriott Bonvoy Bountiful® Credit Card*
Prime Visa*
Southwest® Rapid Rewards® Performance Business Credit Card (see )
Southwest Rapid Rewards® Plus Credit Card (see )
Southwest® Rapid Rewards® Premier Business Credit Card (see )
Southwest Rapid Rewards® Premier Credit Card*
Southwest Rapid Rewards® Priority Credit Card (see )
United℠ Business Card (see )
United Club℠ Card (see )
United℠ Explorer Card (see )
United Gateway℠ Card (see )
United Quest℠ Card (see )
World of Hyatt Business Credit Card (see )
World of Hyatt Credit Card (see )

*The information for these cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Many experts recommend spacing out applications by at least three to four months.

Remember that 5/24 is not the only factor determining whether your Chase credit card application is approved. Your credit score, income, debt levels and many other variables are also considered.

For business cards, Chase may also request documentation, such as financial statements or articles of organization, to verify that you have a legitimate business or sole proprietorship.

How do I check my 5/24 status?

We’ve found the easiest way to check your 5/24 status is to sign up for Experian’s free credit report service. (Make sure you don’t accidentally sign up for a paid service.)

Using the Experian app, you can view all of your accounts and sort them by the date they were opened. From here, count all accounts opened within the last 24 months.

Chase only checks whether an account was opened, even if it has since been closed. Applications that were denied won't count against your 5/24 status either.

What accounts add to your 5/24 status?

The following accounts count toward your 5/24 standing:

All personal credit cards opened with any bank in the immediate past 24 months (even if they’re now closed).
Business cards opened with Discover and TD Bank in the past 24 months, plus most Capital One small-business cards (except the Capital One Venture X Business and Capital One Spark Cash Plus).
Authorized user cards from another person’s personal card opened in the past 24 months, as they’re reported on your credit report. (However, you can call the Chase reconsideration line and ask that these accounts not be considered.)
Specific store cards opened in the last 24 months that are part of a national payment system and can be used at other locations. Some data points suggest that even store cards that can only be used at a single establishment also now count.

To be safe: Assume that if it's a credit card and it shows up on your credit report, Chase will count it.

The following accounts will not count toward your 5/24 standing:

Cards for which you applied but were ultimately denied (credit inquiries aren’t counted)
Small-business cards from most card issuers, with the known exceptions listed above
Auto and student loans
Mortgages

What about card conversions and upgrades?

In addition, ask if you’ll receive a new account number after the switch.

If the answer to one (or both) of these questions is yes, that could be a sign that the account will be considered new and add to your 5/24 standing.

Are there ways around the 5/24 rule?

There have been recent instances in which cardholders bypassed the 5/24 rule through targeted “Just for you” offers.

To see if you’re targeted, navigate to “Just for you” under “Explore products” in the left-hand menu bar when you’re logged in to your online Chase account.

However, unless you’ve been specifically targeted for a bonus to upgrade a card, you will not receive a welcome bonus for any product change.

Bottom line

Chase’s 5/24 rule is well established and shows no signs of disappearing anytime soon. This means you need to be strategic with your application timing to maximize your five allowed Chase slots.

If you’re starting in the realm of credit card rewards and aren’t close to 5/24, you’ll want to prioritize getting Chase cards first.

But remember not to try to fill your five slots with Chase cards too quickly. Take it slow and be smart about which cards you apply for and when.

Comments

By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.

Rewards rate
Rate	Category
4X	Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X	Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X	Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X	Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X	Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X	Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.

Rewards rate
Rate	Category
4X	Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X	Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X	Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X	Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X	Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X	Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.

Rewards rate
Rate	Category
4X	Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X	Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X	Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X	Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X	Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X	Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.

Rewards rate
Rate	Category
4X	Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X	Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X	Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X	Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X	Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X	Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.

What is the Chase 5/24 rule?

Are all Chase cards subject to 5/24?

How do I check my 5/24 status?

What accounts add to your 5/24 status?

What about card conversions and upgrades?

Are there ways around the 5/24 rule?

Bottom line

Comments

Comments

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