How to Check Your Chase 5/24 Status

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Update: The CreditKarma process highlighted in the post below no longer works. We are researching a new way of checking your 5/24 status and will update this post when we have a new process to share.

Of all the restrictions placed on credit card applications, Chase’s 5/24 policy is one of the most prohibitive. The policy applies to almost all Chase-issued rewards cards — including crowd favorites like the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, and Ink Business Preferred® Credit Card

In short, Chase restricts card approvals to applicants with less than five new credit card approvals in the previous 24 months. If you’ve opened five or more personal cards in the last 24 months, it’s highly unlikely that Chase will approve you for a new Chase credit card.

A question we field on a regular basis, both here on the blog and in AwardWallet’s Facebook community, Award Travel 101, is how to check your 5/24 status. We recommend keeping a detailed spreadsheet tracking all of your credit card application, approval, and cancellation dates. If you don't already have these details, there are free tools that can help you determine your Chase 5/24 status.

A Quick Recap of Chase's 5/24 Policy

The 5/24 policy restricts the approval of new Chase credit cards to applicants with less than five new credit card accounts opened over the past 24 months. Chase applies this restriction to essentially all Chase credit cards — including all Sapphire, Ink, Freedom, airline, hotel, and business credit cards.

Here are the main takeaways from our in-depth post on 5/24:

  • All personal credit cards opened in the past 24 months (from any card issuer) count towards your 5/24 status. For example, say you’ve opened one card each with American Express, Bank of America, and Barclaycard in the previous 24 months. You would be 3/24 — even though none of the cards are issued by Chase.
  • In most cases, Chase doesn’t count business cards toward your 5/24 status, including Chase cards. This can be confusing as applications for the Ink Preferred are still subject to the 5/24 policy. However, if you're approved, Chase won't count this card towards your 5/24 status when applying for another Chase card.
    • The exceptions to this rule are Capital One and Discover. Both card issuers report small business cards to your personal credit report. Thus, these business cards will count towards 5/24.
  • Even if you subsequently close a card, that card will still count towards your 5/24 status
  • Authorized user accounts count towards your 5/24 status when you submit your Chase credit card application. However, many crowdsourced data points indicate that authorized user accounts alone can be taken out of consideration if you talk to a human customer service representative.
  • Other loans you have such as car loans, personal loans, mortgages, and tuition don’t count towards your 5/24 status.

The Free and Easy Way to Check Your Chase 5/24 Status

There are a variety of ways to check your 5/24 status for free — including apps like those from Experian or counting the new cards on your free annual credit report from However, we found the easiest way is to sign up for a free Credit Karma account and use that to check your 5/24 status. It’s easy to use, it's free, and provides accurate information.

You’ll need to create a free Credit Karma account before you can check your 5/24 status. You can sign-up for an account in just a few minutes, confirm your identity by answering some security questions, and you’re ready to go.

Check your 5/24 status on

1. Log in to your account from the Credit Karma homepage


2. Once logged in, navigate to this link or cut and paste it into your browser: This will display all of the accounts on your credit report.


3. Use the ‘Sort by Date' tool to sort these accounts. Then count the number of accounts opened in the past two years.

How to Determine Which Accounts are Authorized User Accounts

You can expand the details for each card by clicking on it. Credit Karma will provide the open date and status of the card, and clarify if the card is a primary cardholder account or an authorized user account.

If you are the primary cardholder on the account, the Responsibility row will show “Individual”:


If you are an Authorized User on the account, the Responsibility row will show “Authorized User”:


When you’ve tallied all the cards together, you have your 5/24 status. For example, say you’ve opened four cards in the past 24 months that remain open and opened two cards in the past 24 months which are now closed. Your current 5/24 count would be 6/24. Chase likely won't approve you for any new Chase cards until two of those cards drop out of the 24-month period.

Final Thoughts

Because of Chase’s inflexible application rules, we recommend building out your portfolio of Ultimate Rewards earning cards before diversifying into other rewards currencies. If you focus on other card issuers and climb over 5/24, it can be a real hassle trying to drop back under 5/24. And it's no fun missing out on Chase's record-high sign-up bonuses!

Do you still have questions on how to check your 5/24 status? Or, do you have other free methods you use to track your 5/24 status? Let us know in the comments below!

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  • The CreditKarma site changed and none of these tricks work any longer.

  • One problem with CreditKarma is that they block access when you are overseas.

  • This is really great to know – it’s so important in the credit card game to understand your status with Chase, as they offer some of the most competitive cards (especially at the no annual fee level).

  • I heard Clark Howard talking about how more and more people are paying off their credit cards, and that this is putting the credit card companies in a bind. So they are going to be putting more and more great offers out trying to get people to run up a balance. Great news for those of us who churn and can reap the rewards!

    • There’s a risk that it actually has the opposite effect. Credit cards can make generous signup offers for the very reason that many folks carry balances and the companies profit handsomely off them. We benefit because others pay the bill.

  • Shirley J says:

    Chase has great offers, but other issuer’s offers keep getting in my way of 5/24

  • The Chase Southwest bonus was great this year! Working on getting companion pass.

  • “The exceptions to this rule are Capital One and Discover. Both card issuers report small business cards to your personal credit report. Thus, these business cards will count towards 5/24.”

    Does this apply to all business cards with Capital One?

  • I keep a spreadsheet of all of mine and my wife’s cards. It’s smart to keep a slot open but I’ve backed off of Chase and am now in the MR earning world.

  • Great tip to easily check your account openings and what you 24mo status is. Hey , maybe if someone at CK is listening they should just show that on a dashboard. I can always dream.

  • I had heard both scenarios, that 5/24 was only applicable to Chase-branded cards, and I also heard it applied to all card-issuers. So thankful you cleared this up for me!

    Honestly though, not too sure I would trust Credit Karma. Had a bad experience with them and a younger friend of mine. She had absolutely no credit history, but signed up for Credit Karma and saw she had an 800 credit score and tried to buy her first car. I tried explaining that that score wasn’t accurate and why, but she didn’t listen. Needless to say, she was shocked when she found out I was right and that she had no credit history and the interest rates they charged her were astronomical for the FEW banks that would approve her for a car loan.

  • Fenspinbi says:

    Two other useful tools which I personally use are the credit score tab in Mint, and the website Travel Freely. Although Mint & Credit Karma are both owned by Intuit, the former is far more useful as a comprehensive personal finance app. Travel Freely is specifically geared to credit card enthusiasts, and includes 5/24 status and bonus trackers on its dashboard. You enter the card you have (no personal info required), when you applied for it, and it’ll map it to your 5/24 count, track your annual fee posting date, and your SUB due date automatically.

  • You can also easily look at the “age” of the card by going to the “Overview” menu item in the top left and selecting “Score Details”, once there, you will see the 6 factors that affect your credit score and one of them is “Credit age”. Clicking on that gives you a list of accounts and also lists how long each card has been opened. Count the cards that are under 2 years.

  • I dont agree with Chase limited card openings within the last 24 months from other card issuers aside from their own. If you qualify on their terms, then it should not matter that you also got other cards from other issuers.

  • Great article on how to know and plan for 5/24….the points and miles game got a LOT more complicated when Chase started implementing the 5/24 rule….makes one have to go on a credit card diet for 2 years to re-qualify for Chase cards…have to really pick your spots now. I really miss the wide open playing field of just 6-7 years ago when you could sign up for just about anything and get approved if your credit score was high enough.

  • I missed out on the original 100k bonus on the Sapphire Reserve due to the 5/24 rule. It was also very soon after the rule was implemented so very unfortunate timing for me.

    Great post, very useful and I’ll be bookmarking it for future reference.

  • Emily Davidson says:

    Never knew they tracked this!

  • Dan Miller says:

    So important to stay on top of your 5/24 status!

  • Thanks. While I am currently safely outside of the 5/24 rule, Credit Karma seems to be a good way of keeping track of accounts not just for 5/24 purposes, but to make sure no unauthorized accounts are out there. That said, what, if any, are the negative or pitfalls of having the free Credit Karma account? Amongst thoughts, since it is free, would I be authorizing unsolicited offers from either Credit Karma or their “partners”?

    • Yes, that sounds about right. And really, most marketing companies can buy your credit score and market to you regardless of whether you use a free service like Credit Karma. I’ve used the service for years and never found their marketing overly intrusive.

  • Suellen Herwehe says:

    Thanks for the tips since I have not been keeping track of the opening of credit cards. I am now though. I too have been denied by Chase.

  • says:

    I can only see Transition in the CK site. Is that what Chase uses?

  • This is useful, thanks!

  • Do Amex cards not show up in Credit Karma? I got the SPG personal card a couple of months ago, but it’s not listed as one of my accounts in CK.

  • Great tip! Note that authorized user cards you have been added on will likely show up as “new” cards and count toward 5/24, but reports are Chase will not count those when call reconsideration and make that point to them.

  • Lillian Dikovitsky says:

    Thanks! Great info. I have always loved Credit Karma.

  • Maryjane says:

    I just started using Credit Karma a few months ago and I was also surprised at how easy it is to do. I had been tracking my 5/24 status myself but it was much less accurate. I couldn’t be sure which cards affected 5/24 and which didn’t. Now I know for certain. Next month I will finally be under 5/24 and I can start applying for more UR earning cards! Very exciting.

  • Very helpful, thanks for the reminder

  • The restriction is such a bummer.

  • Great way to find out about the 5/24 status! I have never had to worry about that, thank goodness! I just don’t open enough cards I guess to have bumped into the 5/24 rule with Chase. Just having this info really helps that I won’t in the future either.

  • Emma2007 says:

    I would rather keep Chase Hyatt and Chase IHG cards in case I can only have two.

  • Thanks. I wondered how to do this without spreadsheet. Great to know.

  • Nice tool. Def going to check it out

  • Great tool. Will def check my history.

  • Very useful! Thank you!

  • More people need to use tools like this to be aware of their 5/24 and personal finance issues

  • I used that tool, very easy and intuitive. Well done!

  • Thanks for this tip. I’ve had several accounts opened lately but can’t quite recall the timing of them.

  • charles j says:

    I guess I’m limited to the non 5/24 cards, like British Airways.

  • nice to know that this is out there

  • This is actually a pretty good tool.
    Thanks for the post!

  • Great idea to use Credit Karma. I’m going to check mine now.

  • Good information, thanks

  • Haha, couldn’t be easier… and to think, all this time I’ve been keeping track of this on post-it notes!

  • Great info

  • Jason Logan says:

    thanks- very helpful tools and tips

  • great tip. thank yoU!

  • I always wondered about how to do it. good guide.

  • Robert Zimman says:

    I tried using the link , but it took me to the dashboard. I explored the Credit Karma site, but was unable to find a listing that looked anything like the one shown.

    I was still able to find the data, but it took a lot of work – looking at each account individually.

  • This is a good tip. I do this but always forget to tell others to check this way.

    The credit karma credit score always seems a bit off to me, but it really useful for keeping track off all credit lines.

  • prefect!! I don’t keep track like some do with a spreadsheet!! so this is great.

  • I use CreditWise from Capital One to check my credit score through TransUnion. When I check my credit score, one of the pieces of information returned is the number of new accounts in the past 2 years. I haven’t double checked it with CreditKarma.

    • Thanks for that tip. That worked for me, and it matched CreditKarma. I’m 17/24, so that might explain why I’m getting denials lately.

  • Thanks, useful!