This content has not been provided by, reviewed, approved or endorsed by any advertiser, unless otherwise noted below. You can’t escape it. What is 5/24? While you will enjoy the rewards and benefits of the new card, you’ll retain your old card’s account information and it won’t appear as a new account on your statement. To sum up, these cards add to your 5/24 total: These actions won’t impact your chances of getting a Chase card: Chase keeps tightening the rules. The Chase 5/24 Rule. For example, you can be pre-approved in the branch for some offers, or you could receive an offer in the mail with a RSVP code. So you’ll want to be careful, for example, when you open a business credit card, these accounts may not appear on your credit report and if so, will not be counted towards the 5/24 limit. That’s why it’s important to understand the 5/24 rule. Asking to be pre-approved, even in a branch location, often results in the agent checking online, which will trigger the rule. Jason lives in Denver Colorado where he enjoys bicycling, snowboarding and flying. Being an authorized user can also count against the Chase 5/24 rule. You can still get plenty of cards if you’ve opened five or more accounts in the last two years. Don’t worry, I’ll cover those later. Chase’s 5/24 Rule Limits You to 5 Cards in 24 Months. Disclaimer: This editorial content is provided by RewardExpert.com. report it immediately to the credit bureau that issued the credit report. Or maybe a little neighborhood landscaping? First, there are several Chase cards that don’t appear to be subject to the 5/24 rule. If you get a targeted offer online, in an email or via old-fashioned snail mail, you may still have a chance of getting a card even if you’re over the 5/24 limit. When 5/24 was first implemented, credit card rewards enthusiasts soon discovered several ways to circumvent these restrictions. Marriott’s reward program often flies under the radar, but it’s Hotel + Air Package deals are pretty great. Surprisingly, Chase issues several cards that are not subjected to the 5/24 rules. If you’re not worried about getting a Chase card (or already have the ones you want), then start applying for your next Amex, Citi, Capital One, Barclays or U.S. Bank card. Comments may be held for moderation and will be published according to our, Credit Cards For Grocery Stores Purchases. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. This card’s on my wish list. If you have been approved more than 4 credit cards in the last 24 months by any bank, Chase will not approve you for any of their cards. Opinions are the author's alone. Jason Steele has been writing about credit cards, travel and personal finance since 2008, and is passionate about using his cards to travel for free. If there’s a hard pull, it will appear on your credit report and Chase will likely consider it a new account. Check your credit report and make sure Chase won’t turn you away. Unfortunately, Chase’s restrictive 5/24 rule can make it hard to get those great cards. However, there are still some effective ways to be approved for new Chase cards when you have had more than five new credit accounts open in the last 24 months. Chase’s 5/24 rule states that they will not approve new credit card accounts to applicants who have opened more than five new credit card within the last 24 months. When you can’t get around the 5/24 rule, you’ll need to figure out what is more profitable: waiting until … The 5/24 rule is an unofficial rule from Chase that only allows applicants to be approved for a new Chase credit card if they've opened fewer than five credit cards in the past 24 months. Even Authorized User (AU) cards could impact your ability to get the new card as this also shows up as a … You’re a business owner. What is the 5/24 rule? You can get a business card! When Should You Apply For A New Credit Card? The card also comes with a free night on every card anniversary. Below is everything you need to know about the 5/24 rule. We make every effort to maintain accurate information. If these cards are out of your reach, you’re missing out. As of only a few years ago, you could sign up for a new credit card as often as you wanted to, just to receive the sign-up bonuses. Those issuers may have their own restrictions, but the 5/24 rule is just for Chase cards. It also doesn’t apply to the Ritz Carlton, Amazon, AARP, IHG or Hyatt cards. While there may be exceptions to the rule, I personally just assume any time I want to apply for a new Chase card, I need to be under the 5/24 rule. If you are under the 5/24 limit, it would be smart to apply for the Chase cards that you need first before applying for others that aren’t subject to the 5/24 limit. |. Exceptions to the Chase 5/24 Rule If you’re above 5/24 and you’re waiting it out to apply for a new Chase card, you can still earn intro bonuses. Simply put, Chase will not approve you for a card if you’ve opened five or more new card accounts in the last 24 months. Becoming an authorized user on someone else’s card will look like an open account on your credit report. So you’ll will have to wait that much longer before you can get one of the restricted Chase cards. RewardExpert.com is an independent website that is supported by advertising. As part of the release, Marriott is offering a huge 100,000-point welcome bonus. If you get two of the Southwest cards at the right time, you can get the pass with just the welcome bonuses. Just about any small business card is safe unless it’s issued by Capital One and TD Bank. And there are certain Chase credit cards that you can still successfully apply for despite being over the 5/24 limit. What It Is | Cards to Get First | Rule Exceptions. You can’t get around the 5/24 rule just by getting non-Chase cards. Only Chase denies applications based on the 5/24 rule. They won’t count toward your total opened accounts, making them exceptions to the rule. Infamous among credit card churners and rewards collectors, Chase’s 5/24 Rule is a somewhat informal policy that limits the number of new credit accounts you can have on your credit reports and still be approved for most Chase credit cards. For example, if you decide to upgrade from the Gold Delta SkyMiles card to the Platinum SkyMiles card, you should be okay. Unless, of course, you’ve been following along and know the exceptions to the 5/24 rule. Because we are paid by our advertising partners it may impact placement of products on the site, including the order in which they appear. I discuss reasons why people may consider not waiting to be under 5/24. A few readers have reported in the past that they’ve been able to go directly into a Chase branch with one of these special offers and get approved. Prospective cardholders could apply through banner offers or prequalified offers on the online tool. First, it was found that those with a Chase Private Client relationship seemed immune from the rule, but even that loophole was later closed. In order to be approved for any Chase card 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). Whether you’re waiting for a card to drop off your report so you can get a new Chase card or your just not sure how many accounts you’ve opened in the last couple of years, there’s an easy way to check. If so, you will not be approved any new personal or business cards from Chase. I don’t think it’s worth the risk, though. Learn what this rule is, how to calculate your status and the cards that are subjected to this rule … It’s worth pointing out that you can still get credit cards from other banks even if you’re over five new cards in two years. Otherwise, you might want to get a card that doesn’t count toward the total (more on this below). Reasonable efforts are made to present accurate info, however all info is presented without warranty and is current on the date of publication. There has been a lot of discussion about Barclays business cards. The Good News: Some credit cards don’t count toward the 5/24 rule. What Credit Score Do You Need to Get Approved? It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. And once you are over the limit, there’s almost nothing that you can do to be approved for a new account from Chase. There were also a number of co-branded cards that weren’t subject to the rule. So ask the issuer if they plan to do a hard pull on your credit before you upgrade or downgrade your card. All you need to do is to take a look at your credit report. How to get around Chase’s 5/24 Rule . They don’t just count cards you received from Chase. Do you do a little freelancing on the side? Chase will not approve you for any of their credit cards if you have opened more than 5 cards across any bank in a 24 month period. They introduced this rule several years ago to prevent card churning. If you have any Chase cards or want to get some (which you should) it’s a good idea to be aware of some rules and other tidbits of information. We may, however, receive compensation from the issuers of some products mentioned in this article. I personally haven’t applied for any of these cards for that very reason. Yet Chase is such a large credit card issuer that you will probably want to use at least some of their products to maximize the rewards that you’re earning. There a number of ways to qualify. This means if you get a business credit card from these providers it may … If you’re in the miles and points space one thing you need to know is the Chase “5/24” rule: for most Chase credit cards, a new application will not be approved if the applicant has opened more than 5 new credit cards (from any bank) in the 24 months prior to their application.. If you’re thinking about getting a Chase card, I’ve got you covered. But if you’ve given up on getting more Chase cards in the near future, there are some great alternatives from other issuers too. By carefully considering Chase’s restrictions, and utilizing all of the available exceptions, you can ensure that you are approved for the Chase cards you need. In other words, they don’t want you to get a bunch of credit cards just for the welcome bonuses. To start with, the Ultimate Rewards program is great and the points are valuable. It’s no doubt that Chase cards have big sign-up bonuses and fantastic rewards, that’s why a lot of people sign up for them. It doesn’t matter if these accounts have been opened with Chase or with another card issuer, they will still count each towards the five credit card limit. And, if you’re new to the hobby of earning credit card rewards, you’ll want to start with some of their most valuable cards first. They won’t count toward your total opened accounts, making them exceptions to the rule. The Chase 5/24 rule formerly only applied to new credit cards, but the card issuer appears to be changing this policy due to the coronavirus. Opinions expressed here are the authors' alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. In fact, just becoming an authorized user on another person’s credit card account will still be counted towards the five allowable new accounts. I’ve saved thousands on family vacations with the pass. You might be surprised at how easy it is to qualify for one of these cards. That being said, the rule is not made public by Chase; rather, it's an aggregation of self-reported data by credit card applicants. Just keep checking these offers regularly to see if your are targeted. Also, if you receive a targeted offer from Chase, it may not be subject to the 5/24 rule. If you’re like me, you probably sell some of your old stuff on eBay from time to time. Come August when the Marriott-SPG merger is complete, you’ll be able to transfer those points to over 40 airlines. So it’s important to know what does and doesn’t count before you apply for a new Chase card. The rule resulted in a massive spike in credit card application denials, regardless of people’s status or credit score. Exceptions include business cards issued by Capital One and Discover, or any card you use for business expenses that was issued in your own name. RewardExpert.com may be compensated by credit card issuers whose offers appear on the site. That’s how I’ve done it. Thanks for joining me for episode 35 – Chase 5/24 rule – How long to wait? And if you’re looking for good alternatives to Chase cards, check out these suggestions. There are certain accounts you can open that will not contribute to your 5/24 total. You can also try to avoid becoming an authorized user on someone else’s account, since this will inexplicably count towards Chase’s 5/24 restriction. The Bad News: All personal credit cards from any bank count toward your total open accounts. And, if you simply must have a different credit card than the one you already have, then you could try requesting a product change from an existing card, rather than making a new application. What is the Chase 5/24 rule? In a nutshell, the Chase 5/24 rule is this: Anyone who has opened five or more credit cards in the past 24 months will not be allowed to open a Chase credit card. As a Prime member, I get 5 percent back on all of my Amazon and Whole Foods purchases. If it’s not obvious, cards issued by banks other than Chase are not limited by this rule. If you’ve been denied but you don’t think you’re over the 5/24 limit, don’t be afraid to call the Chase reconsideration line. If you do that a few times a year and make a few bucks, guess what? The best way to figure out if a card qualifies for a Chase 5/24 rule exception is to call the nice people at Chase before you apply for a new card and confirm with them if you’d be able to get another Chase card at that time. Once you have access to your report, just look for accounts that have been opened in the last 24 months. This rule basically means that if you’ve opened 5 or more credit cards within the last 24 months from any banking institution, Chase will pretty much reject you for more credit.So while you need to be under 5/24 to get approved by Chase, all credit cards you have opened (with a few exceptions below) will be counted toward your 5/24 status. Just remember that you won’t qualify for any sign-up bonus or promotional financing offers as only new accounts are eligible. For example, the Marriott 80,000 Point Sign Up Bonus uses the 5/24 rule for the personal card, but not the business version. © 2020 RewardExpert.com. The Chase 5/24 rule was implemented somewhere around June of 2015. If you close a card that was opened within the last 24 months and appeared on your personal credit report, it will still count toward your limit of 5. It’s possible that Chase made a mistake! The pass can be used unlimited times and is good for up to two years! Chase’s 5/24 rule is here to stay. Chase 5/24 Rule and Business Credit Cards. The Chase 5/24 rule doesn't allow you to get approved for a new credit card account if you have opened more than five new cards within the last 24 months. Keep in mind that while you can still get these Chase cards if you’re over five new cards, the accounts you open still count toward your 5/24 total. There are only a few exceptions to the 5/24 Rule, which all require you to have a good pre-existing relationship with Chase. Exceptions to 5/24. But Chase is now cracking down on lesser store cards that can only be used at one merchant. In simple terms, Chase’s 5/24 rule means that Chase will not approve you for a card if you fit certain criteria. There are a lot of reasons to want these cards. With the transfer bonus, that’s worth nearly 50,000 miles in the airline frequent flyer program of your choice! Here’s what you need to know about the Chase 5/24 rule, and how it might now affect credit limit increases. The Chase 5/24 rule affects anyone who has opened five or more credit cards from any bank in the past 24 months. People who make a hobby out of earning points and miles call this trick credit card churning. Which cards can you get? Put simply, Chase will not approve applications for certain credit cards if the applicant has already opened 5 (or more) credit card accounts in the last 24 months. Also, if you remove yourself as an authorized user on someone else’s account, then it should soon fall off your credit report for the purpose of the 5/24 rule. Chase, one of the largest issuers of reward credit cards, has imposed an unwritten restriction that has become known as 5/24 or the Chase 5/24 rule. Now, most major banks have some type of restrictions in place to prevent customers from signing up for new cards to perpetually earn the sign-up bonuses. I couldn’t do without my Reserve card with its top-of-line perks: The Southwest cards are a must-have for domestic travelers for one reason: the fantastic Southwest Companion Pass. There’s nothing worse than a denied application and taking a hit to your credit score for no reason. Most notably is the Chase 5/24 rule. With the pass, you can take a family or friend with you for free on any Southwest flight. There used to be a few different ways to bypass Chase’s 5/24 rule. Unfortunately, because of something called the "Chase 5/24 rule", you may need to take special steps to get approved for these cards. I have the Amazon card, for example, and you need this card if you often buy from the online retailer or Whole Foods. This means you actually need to be under 5/24 in order to be approved. While you’re looking at your report, it’s always a good idea to check it over for any errors. Chase 5/24 Rule Guide. Yes, I said Chase. While the policy still seems to be active today, some people view it as false. So if you have any more than four relatively new credit cards, your application will be automatically denied. Exceptions to the 5/24 rule. In other words, Chase will see it and might deny you when considering your application. Chase has an unpublished application rule, commonly referred to as the Chase 5/24 rule. The same is often true for store cards, which can be labeled differently on your credit report. It might be worth selling a few things on Etsy or Ebay just get access to these cards. However, all credit card information is presented without warranty. Some people are able to get around it even if they’ve opened more than 5 accounts in the past 2 years. a product change from an existing card, rather than making a new application. Is it really worth it? All Rights Reserved, a whole lineup of excellent business cards, Southwest Airlines Rapid Rewards Credit Card, Getting a business card issued by Citi, American Express, Bank of America and Chase (Barclays business cards might count), Upgrading or downgrading your card (but consult the issuer to be sure). The Chase 5/24 rule is a restriction on who can apply for Chase credit cards. What about a small crafts business? Doesn't apply to you but worth noting: 5/24 doesn't apply to most business cards, notable exceptions being business cards from Discover, Capital One and TD Bank. The most popular of these methods was applying after getting a pre-qualified or other special offer directly from Chase. You will have to be below 5/24 to get a Chase business card, but it won’t contribute to your total number of new accounts for future applications. That’s because certain cards won’t show up on your credit report. This Chase 5/24 Rule Guide will cover everything you need to know about the rule and how to deal with it. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. I’d avoid becoming an authorized user for this reason, but you can always call Chase and explain the situation. Long story short, with rare exceptions, you will be denied for business and personal Chase credit cards if you have opened five … AARP Card; Aer Lingus Visa Signature The list of Chase cards you can’t get if you’ve opened five accounts in the last two years is long. I know I’m looking forward to the day I can apply for another Chase card or two. If you don’t know your credit score, check out our Credit Score Estimator to get a better indication of which cards you might be approved for. The 5/24 rule only applies to getting approved for cards issued by Chase, but your 5/24 count includes … Finally, the easiest, and most logical way to deal with the 5/24 is to simply comply with it; that is, avoid having more than five personal credit card accounts opened in the last 24 months. But, the banks got wise to it and (obviously) do not like it. The … Chase makes great credit cards. Sign Up for free weekly money tips to help you earn and save more. The Sapphire cards in particular offer big intro bonuses worth hundreds of dollars. The Marriott Reward Premier Plus card is brand new. When 5/24 was first implemented, credit card rewards enthusiasts soon discovered several ways to circumvent these restrictions. There are a variety of places that allow you to do that for free, including Credit Karma and Experian. If you find any errors (it happens more often than you think!) Also, Chase introduced this rule initially only to a few of their cards. We do not receive compensation for any products mentioned on the website. General Disclaimer: See the online credit card application for details about terms and conditions. There are a lot of enticing cash back rewards credit cards on the market today including the Chase Freedom Flex℠ which has no annual fee and 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate as well as 5% cash back on travel purchases when you book through Chase Ultimate rewards, 3% cash back on dining, takeout, and drug store purchases, and unlimited 1% cash back on all other purchases. You can trust the integrity of our balanced, independent financial advice. While most report that the cards don’t count, there are enough reports of them counting that I’d be wary of taking the chance unless I was okay with a hit to my 5/24 total. With the 5/24 rule, you typically won’t be approved for a Chase credit card if you’ve opened five or more new card accounts in the past 24 months. Best High Yield Savings Accounts Compared, Understanding Overdraft Protection and Fees, The Beginner’s Guide To Saving For Retirement, How Much Do You Need To Have Saved For Retirement, How Much Should You Contribute To Your 401(K), How To Pay Medical Bills You Can’t Afford, Bestow’s Chief Insurance Officer, Jackie Morales, Chase 5/24 Rule: Exceptions, And Everything Else You Need To Know, We invite readers to respond with questions or comments. They should be easy to find. In short, churning is an activity where you get a credit card just for the welcome bonus, and then cancel it after the first year and move on to the next one. With this 5/24 rule, a credit card application will not be approved if the applicant had opened more than 5 new cards in the last 24 months from not just Chase but ANY bank. The Chase 5/24 Rule. They’ll know you’re over, and you won’t get a card. Here's everything you need to know about the rule. UGC Disclosure: The responses below are not provided or commissioned by the bank advertiser. There arent any Chase 5/24 rule exceptions per se, but you can space out your credit card applications to keep a spot open for a new Chase card if you want to apply. Chase came up with the 5/24 rule around May 2016. If you’re above 5/24 and you’re waiting it out to apply for a new Chase card, you can still earn  intro bonuses. There are a few exceptions to the Chase 5/24 rule. Store cards that are part of major payment systems like Visa and MasterCard have always counted toward your total number of open accounts. Like almost anything in life, there are exceptions to the Chase 5/24 rule. It’s possible that they included a card that you’re just an authorized user on by accident or have made some other error. They issue business cards for JetBlue, Hawaiian Airlines and American Airlines, so it’s worth mentioning. The Chase 5/24 Rule is one of the most talked about topics in the credit card industry because it has a very big affect on a large majority of credit card users. There are ways to deal with this rule, including most simply by complying with it, while still getting access to some of the best credit cards on the market. If there's any pre-approval credit card offer, you can tell the banker to make an application for you and that will bypass the Chase 5/24 rule. Why does Chase have the 5/24 rule? It’s simply the best deal in award travel right now. The Chase 5/24 rule limits your ability to be approved for Chase credit cards, based on how many other cards you’ve applied for in the past two years. The 5/24 rule is not about the number of hard inquiries on your credit report but rather the actual number of credit cards you have opened in the past two years that show up on your credit report. Which Cards Count Towards The 5/24 Rule. Some cards, such as the Amazon Rewards and Disney Visas (to name a few), are allegedly exempt from the Chase 5/24 rule. Jason Steele Everything you need to know about the Chase 5/24 rule and how to bypass 5/24. 18 minutes ago. This won’t work now. What is the Chase 5/24 Rule? Bank of America issues a great Alaska Airlines business card and, as I’m sure you know, American Express has a whole lineup of excellent business cards (including the Business Gold Rewards card and the Business Platinum card). You can follow Jason on. Chase’s 5/24 rule requires you to be somewhat strategic about your credit card applications, at least if you want to get a few different cards to stretch your points further. 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