How to Check Your 5/24 Status

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Of all the restrictions placed on credit card applications, Chase’s 5/24 policy is one of the most prohibitive. The policy applies to the majority of Chase-issued rewards cards, including crowd favorites like the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, and Ink Business Preferred® Credit Card, restricting approvals to applicants with less than five new credit card approvals in the previous 24 months. If you’ve received five or more personal cards in the last 24 months, it’s highly unlikely you’ll get approved for another card on Chase’s 5/24 list.

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, however, points and miles fans also have access to free services that pull directly from credit reporting agencies, logging the date cards are opened and closed.

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. The policy doesn’t apply to all Chase cards but does include all Ultimate Rewards earning consumer 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 provider, count towards your 5/24 status. For example, if you’ve opened one account each with Amex, BoA, and Barclays 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, i.e., applications for the Ink Preferred are governed by 5/24, meaning the card is subject to the 5/24 policy, but if approved, the card won’t count towards your 5/24 status when applying for another card. The exceptions to this rule are Capital One and Discover, which report small business cards to your credit reports and will count towards 5/24.
  • Cards you’ve opened in the past 24 months, and subsequently closed, still count towards your 5/24 status.
  • Authorized user accounts count towards your 5/24 status. 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 5/24 Status

There are different options to check your 5/24 status for free which include signing up for a free Credit Karma account and a variety of apps like those from Experian, or your free annual credit report from

We recommend using Credit Karma to check your 5/24 status; it’s easy to use, it's free, and provides accurate information.

If you haven’t already signed up with Credit Karma, you’ll need to create a free 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 homepage


2. Once logged in, navigate to this link or cut and paste it into your browser –


3. Use the ‘Sort by Date' filter and count your approved credit cards dating back two years.

If you are the primary cardholder on the account, the ‘Responsibility' row will be labeled ‘Individual.'

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

If you are an Authorized User on the account, the ‘Responsibility' row will be labeled ‘Authorized User.'

When you’ve tallied all the cards together, you have your 5/24 status. As an example, if 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 5/24 count is 6/24. It's likely you won’t be approved for Chase cards subject to 5/24 until two of the cards drop off that 24-month period.

Final Thoughts

Because of Chase’s inflexible application rules, which include the 5/24 policy and the restriction on Sapphire cards, we recommend building out your Ultimate Rewards earning cards before diversifying into other rewards currencies. If you leave it too long and apply for a variety of cards that put you over 5/24, it can be a real hassle trying to drop back under 5/24 to build a portfolio of Ultimate Rewards earning cards, locking you out of the most flexible rewards program available today.

If you have any questions on how to check your 5/24 status or another free method you’d like to share, let us know in the comments below.

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