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What is the Chase 5/24 rule?

Make better financial decisions by understanding this rule.

Updated . What changed?

Fact checked
If your credit card application has been declined by Chase because you’ve opened too many new accounts in the last 24 months, that means you’ve been affected by Chase’s unpublished 5/24 rule. Understanding what it is and how to avoid it could save you a hard pull, your time, nerves and potentially money.

What is the Chase 5/24 rule?

The Chase 5/24 is an unwritten rule that affects whether or not you qualify for a new Chase credit card account. Basically, if you’ve opened five or more credit card accounts in the past 24 months, Chase will automatically decline your credit card application.

The five cards can be from all card issuers that report to credit bureaus, even some small business credit cards count. For example, if you opened two Amex cards, one Chase card and two Citi credit cards in the past 24 months, you won’t be eligible for a new Chase credit card.

What Chase credit cards are affected by the 5/24 rule?

As of this writing, all Chase credit cards, both personal and business, are affected by this rule. This includes:

Do Chase business cards count toward my 5/24 score?

Yes, all Chase business cards count toward the 5/24 rule. This includes:

How do I check my Chase 5/24 status?

You can sign up for free at experian.com. Once you log in, sort your credit card accounts by opening date. That way you can easily see the accounts you opened in the past two years.

Note: It doesn’t matter if you closed your account during this time. What Chase sees is the accounts you opened.

Does being an authorized user count toward my 5/24 score?

Unfortunately, it does. But you can fix this by having the primary cardholder remove you from being an authorized user. After that, call all three major credit bureaus — Experian, Equifax and TransUnion to make sure you are no longer an authorized user.

What other cards count toward the 5/24 rule?

Charge cards and retail cards — Visa, Mastercard, American Express and Discover — issued by other card providers count toward the 5/24 rule.

Chase 5/24 rule exceptions

American Express, Bank of America, Citi, U.S. Bank and Wells Fargo typically don’t report your business cards to your personal credit unless delinquent. This means if you get a business credit card from these providers it may not count in the 5/24 rule. Double-check to make sure.

TIP: If you’re looking for a credit card that also has a business version, consider applying for the latter as it may not appear in your report. This may work with card issuers that don’t report business cards to personal credit.

Can I get around the 5/24 rule?

Some customers have reported success in bypassing the 5/24 rule. However, there’s no guarantee these methods will work for you.

  • Selected for you offers. You may get special Selected for you offers with a green checkmark in your Chase account. Some customers report that they have bypassed the rule while others claim their application was declined.
  • Apply in-branch for a personal credit card. Some customers have reported success by applying in-branch instead of online.
  • Apply in-branch for business cards. Try to find a business relationship manager, a BRM banker, and ask them to submit a paper application for a business credit card. Some customers report not being negatively affected by the 5/24 rule this way.
  • Call reconsideration. This may work only if you have five credit cards opened in the past 24 months and one of them is being an authorized user. In that case, you may try calling 888-270-2127 for personal credit cards and 800-453-9719 for business credit cards reconsideration. Know that this may not always work.
  • Upgrade your credit card. If you have a lower-tier card and you want to get a better card but the Chase 5/24 rule prevents you from doing that, consider product change.

Do other card providers have a 5/24 rule?

Some card providers have similar rules. Here’s what they are:

  • American Express. American Express doesn’t seem to have a limitation similar to Chase 5/24 rule. Although they do limit your American Express card approval to 2 cards in a 90-day period.
  • Barclaycard. This card issuer has a 6/24 rule, although some users report having been approved regardless of having more than 6 credit card approvals in the past 24 months.
  • Bank of America. Here you’ll find three rules: 2/3/4. This means you can have 2 new cards in a 2-month period, 3 in a 12-month period and 4 new cards in 24 months. Some users claim that if you have a deposit with Bank of America, you can be approved for 7 new cards in a 12-month period.
  • Capital One. Capital One doesn’t seem to have a Chase-5/24-rule type of limitation.
  • Citi. This is another issuer where you can likely get approval even if you have 5 or more credit card approvals in the past 24 months.
  • Discover. You likely won’t find a limitation like the Chase 5/24 rule with this card issuer as well.
  • U.S. Bank. Applying for a US Bank credit card will likely not be affected by prior credit card approvals in the past 24 months.
  • Wells Fargo. Here’s another issuer that could approve your credit card application even if you had 5 or more card approvals in the last 24 months.

Compare Chase cards

If none of the workarounds help, consider waiting before you apply for your next card or apply for another card provider that doesn’t have Chase’s card approval limitations.

Name Product Filter values Rewards Purchase APR Annual fee
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
15.99% to 22.99% variable
$95
Earn a huge signup bonus worth $1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Chase Freedom Unlimited®
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
Chase Sapphire Reserve®
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
16.99% to 23.99% variable
$550
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
CardMatch™ from creditcards.com
See terms
See issuer's website
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Southwest Rapid Rewards® Priority Credit Card
2x points on Southwest and Rapid Rewards hotel and car rentals and 1x points on all other purchases
15.99% to 22.99% variable
$149
Earn 40,000 points after you spend $1,000 in the first 3 months of account opening.
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Compare up to 4 providers

Best Chase cards to combine

Because you’re limited to how many credit cards you can have in a 24-month period, you have to be strategic about which cards to get.

The most rewarding credit card combination is the Chase trifecta, which consists of the:

  • Chase Freedom Flex℠
  • Chase Freedom Unlimited®
  • Chase Sapphire Preferred® Card (or Chase Sapphire Reserve®)

Having these three cards is often enough to maximize your rewards.

Bottom line

Opening too many credit cards in a short period of time can raise a red flag with all credit card issuers, and Chase is no exception. The best workaround is to wait until you have less than five credit cards opened in the last 24 months.

But if you don’t want to wait, check out credit cards from different providers and compare your options.

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