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Of all the credit card card application restrictions, Chase’s 5/24 policy is one of the most prohibitive — and one of the most (in)famous. The policy applies to all Chase-issued rewards cards, including crowd favorites like the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, and Ink Business Preferred® 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 applications, approvals, and cancellation dates. However, if you don't already have these details, there are free tools that can help you determine your Chase 5/24 status for free. Here's how.
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 its own cards. This can be confusing as applications for the Ink Preferred are still subject to the 5/24 policy when applying. 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, Discover, and TD Bank. These card issuers report most of their small business cards to your personal credit report. Thus, these business cards will count toward your 5/24 status.
- Even if you subsequently close a card, that card will still count toward your 5/24 status. This policy is based on opening new credit cards, regardless of closing activity.
- If you're an authorized user on credit cards opened in the past 24 months, Chase may count these during your application. If that pushes you past five new accounts, a reconsideration call can straighten this out.
- Other loans you have — such as car loans, personal loans, mortgages, and tuition — don’t count towards your 5/24 status.
Related: How Does the Chase 5/24 Policy Work?
The Simplest Way to Check Your Chase 5/24 Status
The good news is that you have several 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 AnnualCreditReport.com.
Previously, a free Credit Karma account allowed you to sort by date and see all accounts opened in past two years, but that feature went away. Now, the simplest method is using a free account from Experian. Let's show you how.
On Experian's site, fill out the requested information to create an account.
After it pulls your credit profile, you can view a list of your accounts. Each will show the issuer name, most recent balance, and when that balance was updated.
Clicking on any one of them will show details, such as payment history and the most recent balance reported to the credit agencies.
Some of your cards will even show the full account number — such as those by American Express — which can be helpful for knowing which card has which opening date.
Using this information, you can check each account, one at a time, to find the opening dates and calculate your 5/24 status. However, it's much easier to check this information using Experian's app.
At the bottom of the Experian app, click on “Reports” in the menu.
When you arrive at your credit report, click on “Views” in the top right. From here, you can choose to sort your accounts by the date they were opened, from new to old.
In this way, your newest accounts will be at the top. Additionally, you'll see “Open” or “Closed” noted next to each account.
Both open and closed accounts will appear together, which is fine. You'll need to count all accounts opened in the past 24 months, even if you subsequently closed them. Moving through this list, check every new account showing from the past 24 months and you can find your 5/24 status for free.
Other Free Methods to Check Your Chase 5/24 Status
Previously, Credit Karma offered the ability to sort accounts by date. While that feature is gone, it's still possible to use Credit Karma and a service called Travel Freely to check your 5/24 status for free.
Check your 5/24 status on Credit Karma
After signing up for Credit Karma, click on “Credit” on the top menu and choose “Score Details.”
On the next page, scroll down to find the option “View full credit report” and click on that. This will take you to your credit report and a list of your accounts.
You'll notice “Reported” dates on these accounts, with the accounts updated most recently showing at the top. Click on the gray bar for the card you want, and this will show the account details.
Each account will show its opening date, and you can check each of these to find how many accounts were opened in the past 24 months.
Check your 5/24 status on Travel Freely
If you spend the time putting your credit card history into Travel Freely, it will tell you your 5/24 status every time you log in.
However, it can take some time to add all of your accounts to your free account at Travel Freely — depending on how many credit cards you have.
For past accounts, you may not be worried about listing the bonus that you earned or when you product changed from one credit card to another. However, the important details include the card name and the opening date. You'll need to find that opening date from your credit report or by asking your credit card issuer.
The good news is that maintaining your information on Travel Freely is quite simple once you set up an account and enter all of your cards. Adding a new card is quick, as is updating a card that you changed or closed, and you'll see your 5/24 status every time you log in.
Check your 5/24 status from your free credit report
You can get a free copy of your credit report at annualcreditreport.com. As the name implies, this site previously offered a report annually, then you had to pay for viewing your full report additional times. A recent change now offers weekly access to your credit report, and this is a permanent feature.
How to determine which accounts are Authorized User accounts
No matter which method you use to check your credit report, you can identify authorized user accounts in the details for each. Look for “Responsibility: Authorized User” or similar language when checking an account's details.
If you're the primary cardholder on the account, the Responsibility row will show “Individual.”
When counting how many credit cards on your credit report show an opening date in the past two years, make sure to note how many of those are authorized user accounts.
While authorized user accounts don't count toward your 5/24 status, it's important to know these numbers in case you need to explain this to a phone representative.
Because of Chase’s inflexible application rules, we recommend building 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, getting back under 5/24 can be a hassle. And it's no fun missing out on Chase's great sign-up bonuses.
Do you know other free, simple methods to check your 5/24 status? Let us know in the comments below.
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