{"id":11943,"date":"2025-05-24T12:10:02","date_gmt":"2025-05-24T12:10:02","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=11943"},"modified":"2026-04-08T14:15:58","modified_gmt":"2026-04-08T14:15:58","slug":"chase-5-24-rule","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/chase-5-24-rule\/","title":{"rendered":"Chase 5\/24 Rule Explained: What It Is and How to Work Around It"},"content":{"rendered":"<p><em><strong>May 24 = 5\/24.<\/strong> So naturally, we\u2019re covering all things Chase 5\/24 on AwardWallet today. Whether you\u2019re under, over, or not sure what 5\/24 even means, we\u2019ve got guides, tips, and strategies to help you navigate this card application rule.<\/em><\/p>\n<p>Among points and miles enthusiasts, few restrictions are more infamous than Chase\u2019s 5\/24 rule. However, the 5\/24 rule can confuse and frustrate new entrants to the points and miles world, especially since it\u2019s so common to find online references to &#8220;5\/24 status&#8221; or being &#8220;over 5\/24&#8221; without any additional context.<\/p>\n<p>Most credit card issuers follow internal guidelines to determine who qualifies for a new account. While these application rules are rarely published or officially confirmed by the banks, the points and miles community has a long history of uncovering them through shared experiences and strategic discussion. Thanks to crowdsourced data points from card applicants, we've been able to piece together many of these unofficial rules.<\/p>\n<p>In this post, we\u2019ll cover everything you need to know about the Chase 5\/24 rule: how it works, how to check your status, what cards are affected, and how to build a smart application strategy around it.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#The_Chase_524_Rule_Explained\">The Chase 5\/24 Rule Explained<\/a><\/li><li><a href=\"#What_Counts_Toward_My_524_Status\">What Counts Toward My 5\/24 Status?<\/a><ul><li><a href=\"#Which_cards_count_toward_524\">Which cards count toward 5\/24?<\/a><\/li><li><a href=\"#What_credit_lines_don8217t_count_toward_524\">What credit lines don't count toward 5\/24?<\/a><\/li><\/ul><\/li><li><a href=\"#Which_Chase_Cards_Are_Subject_to_Chase8217s_524_Rule\">Which Chase Cards Are Subject to Chase's 5\/24 Rule?<\/a><\/li><li><a href=\"#How_Can_I_Check_My_524_Status\">How Can I Check My 5\/24 Status?<\/a><ul><li><a href=\"#Experian\">Experian<\/a><\/li><li><a href=\"#Credit_Karma\">Credit Karma<\/a><\/li><li><a href=\"#TravelFreely\">TravelFreely<\/a><\/li><\/ul><\/li><li><a href=\"#Do_Business_Cards_Factor_Into_My_524_Status\">Do Business Cards Factor Into My 5\/24 Status?<\/a><\/li><li><a href=\"#How_Authorized_User_Accounts_Affect_524\">How Authorized User Accounts Affect 5\/24<\/a><ul><li><a href=\"#Remove_the_authorized_user_account_from_your_credit_report\">Remove the authorized user account from your credit report<\/a><\/li><li><a href=\"#Ask_Chase_to_remove_the_authorized_user_account_during_reconsideration\">Ask Chase to remove the authorized user account during reconsideration<\/a><\/li><\/ul><\/li><li><a href=\"#What_If_I8217m_Already_Over_524\">What If I'm Already Over 5\/24?<\/a><ul><li><a href=\"#Option_1_Wait_It_Out\">Option 1: Wait It Out<\/a><\/li><li><a href=\"#Option_2_Shift_Focus_to_Business_Cards\">Option 2: Shift Focus to Business Cards<\/a><\/li><li><a href=\"#Option_3_Move_On_from_Chase\">Option 3: Move On from Chase<\/a><\/li><\/ul><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"The_Chase_524_Rule_Explained\">The Chase 5\/24 Rule Explained<\/span><\/h2>\n<p>Chase will generally deny your application for a new card if you have opened five or more card accounts in the previous 24 months, thus, &#8220;5 in 24&#8221; or just <strong>5\/24<\/strong>. When you apply for a new card, Chase will obtain a copy of your credit report from one of the three major credit bureaus: Experian, Equifax, and TransUnion.<\/p>\n<p>If your <a target=\"_blank\" href=\"\/credit-cards\/how-is-credit-score-calculated\/\" rel=\"noopener\">personal credit history<\/a> shows at least five credit card accounts with an &#8220;opened date&#8221; in the last 24 months, Chase will generally reject your credit card application.<\/p>\n<figure id=\"attachment_210205\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/400\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"size-full wp-image-210205 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/05\/rupixen-Q59HmzK38eQ-unsplash.jpg\" alt=\"A man is holding a credit card while searching online\" width=\"600\" height=\"400\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/05\/rupixen-Q59HmzK38eQ-unsplash.jpg 600w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/05\/rupixen-Q59HmzK38eQ-unsplash-300x200.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Photo Credit: Rupixen\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"What_Counts_Toward_My_524_Status\">What Counts Toward My 5\/24 Status?<\/span><\/h2>\n<p>The basic rule is straightforward. If it\u2019s a credit card account and it appears on your credit report, it counts toward 5\/24. But since we\u2019re not all experts on credit reporting, here are a few things to remember.<\/p>\n<h3><span id=\"Which_cards_count_toward_524\"><strong>Which cards count toward 5\/24?<\/strong><\/span><\/h3>\n<ul>\n<li><strong>All card issuers:<\/strong> Chase counts the credit cards from all card issuers that appear on your report, not just the ones issued by Chase.<\/li>\n<li><strong>Even closed cards count:<\/strong> Closing a credit card does not remove it from your credit report. If you have opened the card within the past 24 months, it will still count towards your 5\/24 status.<\/li>\n<li><strong>Authorized user cards may count too:<\/strong> If you are an authorized user on someone else\u2019s credit card account, the bank may report that account to your credit report. If so, it will count toward your 5\/24 status. However, you may be able to remove it from your report. More on that below.<\/li>\n<\/ul>\n<h3><span id=\"What_credit_lines_don8217t_count_toward_524\"><strong>What credit lines don't count toward 5\/24?<\/strong><\/span><\/h3>\n<ul>\n<li><strong>Unsuccessful credit card applications<\/strong> do not count toward your 5\/24 status. They will show as an inquiry on your report, but only new accounts that you successfully open count.<\/li>\n<li><strong>Many business cards<\/strong> do not appear on your personal credit report, and therefore, they won't count toward your 5\/24 status. See below for more information on the business cards that count.<\/li>\n<li><strong>Other types of credit accounts<\/strong> on your credit report, such as mortgages, student loans, and car loans, do not factor into your 5\/24 status.<\/li>\n<\/ul>\n<h2><span id=\"Which_Chase_Cards_Are_Subject_to_Chase8217s_524_Rule\">Which Chase Cards Are Subject to Chase's 5\/24 Rule?<\/span><\/h2>\n<p>If you're in the market for a new Chase card, it's best to assume that all personal and business cards issued by Chase are subject to the 5\/24 rule. This means that any application for a Chase card will likely be denied if you have already opened five cards in 24 months.<\/p>\n<p>When this restriction was first introduced, it only applied to a few specific cards. However, in 2018, Chase expanded the restriction to virtually all Chase cards &#8212; even no-annual-fee cards like the <a data-ccid=\"4048224\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-flex\/\">Chase Freedom Flex\u2120<\/a>.<\/p>\n<p>Are there ever exceptions? Quite possibly. Over the years, we have seen many reports of Chase credit card approvals that should've been rejections based on 5\/24 status. But these anecdotal claims can be hard to verify. So, take these reports with a grain of salt.<\/p>\n<figure id=\"attachment_116243\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-116243 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/mary-west-unsplash-chase-card-featured.jpg\" alt=\"Chase card sitting on a laptop.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/mary-west-unsplash-chase-card-featured.jpg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/mary-west-unsplash-chase-card-featured-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/mary-west-unsplash-chase-card-featured-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/07\/mary-west-unsplash-chase-card-featured-325x260.jpg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Mary West\/Unsplash<\/em><\/enter><\/figure>\n<p>Some have speculated that the rule isn\u2019t always enforced for certain co-branded cards. Some suggest Chase's \u201cJust For You\u201d offers or those from targeted mailers might bypass the 5\/24 rule. Perhaps Chase bends the rules for customers who meet specific additional criteria, such as Chase Private Client customers. Long story short, there's no hard evidence to support these claims. And without more transparency from Chase, it's tough to know for sure.<\/p>\n<p>The best approach is to plan your card applications accordingly. <a target=\"_blank\" href=\"\/credit-cards\/chase-credit-card-strategy\/\" rel=\"noopener\">If you're under 5\/24, prioritize getting Chase cards<\/a>. Then, pursue cards from other card issuers later. This way, you'll avoid rolling the dice on an unnecessary hard pull to your credit report.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/chase-credit-card-offer-history\/\" rel=\"noopener\">Chase Credit Cards: Best-Ever Offers and When You Should Apply<\/a><\/strong><\/p>\n<h2><span id=\"How_Can_I_Check_My_524_Status\">How Can I Check My 5\/24 Status?<\/span><\/h2>\n<p>Chase relies on your credit report to determine your 5\/24 status.\u00a0<span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">You can <a href=\"\/credit-cards\/how-to-check-5-24-status\/\">check your 5\/24 status<\/a> through several free methods<\/span>. Here's a quick overview of a few options.<\/p>\n<h3><span id=\"Experian\">Experian<\/span><\/h3>\n<p>You can sign up for a free Experian account, and checking your 5\/24 status on the app is very simple. Log in, and once viewing your report, click on the total accounts and sort by date opened. Count the number of listed accounts opened in the last 24 months.<\/p>\n<p>Experian will try to convince you to sign up for a paid account. But remember, you don't need to pay to check your Chase 5\/24 status. All you need to do is click out of the upgrade advertisement, locate your records, and Experian will display the date you opened each account.<\/p>\n<figure id=\"attachment_210238\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"500\/610\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"size-full wp-image-210238 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/05\/credit-524-status.jpg\" alt=\"A screen shot shows an experian credit report on the Experian App\" width=\"500\" height=\"610\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/05\/credit-524-status.jpg 500w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/05\/credit-524-status-246x300.jpg 246w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><center><em>Credit: Experian<\/em><\/enter><\/figure>\n<h3><span id=\"Credit_Karma\">Credit Karma<\/span><\/h3>\n<p><a target=\"_blank\" href=\"\/blog\/link\/CreditKarma\" rel=\"noopener nofollow sponsored\">Credit Karma<\/a> will show you your Equifax and TransUnion credit reports. Click on the report you'd like to view and scroll down to Credit Age. You will then see a list of your cards and the age of each account. After checking everything, total the number of credit card accounts you've opened in the past two years.<\/p>\n<h3><span id=\"TravelFreely\">TravelFreely<\/span><\/h3>\n<p>Finally, the TravelFreely App, which allows you to enter your card opening dates manually, will track your 5\/24 status, but of course, this requires you to enter each card as you open it. It can be a handy way to keep track without the use of a spreadsheet, but it requires a bit of legwork up front to enter all of the data.<\/p>\n<figure id=\"attachment_210206\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/400\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"size-full wp-image-210206 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/05\/blake-wisz-q3o_8MteFM0-unsplash.jpg\" alt=\"A woman pays at a store checkout terminal\" width=\"600\" height=\"400\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/05\/blake-wisz-q3o_8MteFM0-unsplash.jpg 600w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/05\/blake-wisz-q3o_8MteFM0-unsplash-300x200.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Blake Wisz\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"Do_Business_Cards_Factor_Into_My_524_Status\">Do Business Cards Factor Into My 5\/24 Status?<\/span><\/h2>\n<p>If you want to apply for a Chase business card, you are still subject to the 5\/24 rule. That is to say, Chase will generally not approve your application for a new business card if you're over the 5\/24 limit.<\/p>\n<p>However, you may have read that business cards don\u2019t count toward 5\/24. That's true for most business cards but is confusing for many. We say &#8220;most&#8221; business cards because select card issuers report opened accounts to your personal credit report.<\/p>\n<p><strong>Quick recap:<\/strong><\/p>\n<ul>\n<li>All personal credit cards from every issuer are recorded on your credit report and count towards your 5\/24 status.<\/li>\n<li>Business credit cards from Capital One, Discover, and TD Bank are generally recorded on your personal credit report. Thus, <strong>these business cards count<\/strong> towards your Chase 5\/24 status.<\/li>\n<li>Business credit cards from American Express, Bank of America, Barclays, Chase, and Citi generally aren't recorded on your personal credit report, so <strong>they don't count<\/strong> toward your 5\/24 status.<\/li>\n<li>Capital One says it doesn't report its business charge cards (those with no preset spending limit) to your personal credit report, so long as the account is in good standing.<\/li>\n<\/ul>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/how-to-get-a-business-credit-card\/\" rel=\"noopener\">Am I Eligible for a Small Business Card?<\/a><\/strong><\/p>\n<h2><span id=\"How_Authorized_User_Accounts_Affect_524\">How Authorized User Accounts Affect 5\/24<\/span><\/h2>\n<p>If you are an authorized user on someone else's personal credit card account, this account will show up on your credit report and count towards your 5\/24 status. Thankfully, you're not stuck with this mark on your Chase 5\/24 status. You can have authorized user accounts removed from your 5\/24 status in two ways.<\/p>\n<figure id=\"attachment_132228\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-132228 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Featured_YoungerWomanUsingACreditCardAtARestaurant-Chase-300x240.jpg\" alt=\"Woman using a credit card at a restaurant.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Featured_YoungerWomanUsingACreditCardAtARestaurant-Chase-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Featured_YoungerWomanUsingACreditCardAtARestaurant-Chase-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Featured_YoungerWomanUsingACreditCardAtARestaurant-Chase-325x260.jpg 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Featured_YoungerWomanUsingACreditCardAtARestaurant-Chase.jpg 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Chase<\/em><\/enter><\/figure>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/do-authorized-users-build-credit\/\" rel=\"noopener\">Does Being an Authorized User Affect Your Credit?<\/a><\/strong><\/p>\n<h3><span id=\"Remove_the_authorized_user_account_from_your_credit_report\">Remove the authorized user account from your credit report<\/span><\/h3>\n<p>The first step is to ask the primary account holder to remove you as an authorized user. Once they do, contact the credit reporting agencies to have the authorized user account removed from your report.<\/p>\n<p>Remember to only do this for authorized user accounts opened in the last 24 months. You don't need to remove older authorized user accounts for the sake of 5\/24 status. Those won't affect your Chase 5\/24 number; these accounts can help build your credit history.<\/p>\n<h3><span id=\"Ask_Chase_to_remove_the_authorized_user_account_during_reconsideration\">Ask Chase to remove the authorized user account during reconsideration<\/span><\/h3>\n<p>The other option is to try working with Chase's reconsideration department after a denial. <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/sapphire-preferred-authorized-user\/\" rel=\"noopener\">Chase card applicants have reported success in requesting that a reconsideration agent remove authorized user accounts while reconsidering their card application<\/a>.<\/p>\n<p>For example, let\u2019s say you\u2019ve opened four personal credit cards in the past 24 months and you\u2019re also listed as an authorized user on two other accounts opened during the same timeframe. When Chase reviews your application, it will typically count all six accounts toward your 5\/24 status. This means you would be considered 6\/24 and likely ineligible for automatic approval. But you can ask a Chase reconsideration agent to remove the two authorized user accounts from consideration. They can quickly analyze your credit report and see that you're under 5\/24.<\/p>\n<p>Not everyone is going to like this method. After all, this requires applying for a Chase card with the knowledge that you'll likely be denied at first. Then, you'll need to call Chase's reconsideration desk, which is a process that some may find intimidating. And you aren't guaranteed that they will approve you. But this process is worth it for those who don't want to go through the trouble of removing authorized user accounts from their credit report.<\/p>\n<figure id=\"attachment_163933\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-163933 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Mikhail-Nilov-Pexels-woman-with-business-documents-featured.jpg\" alt=\"a woman sits at a desk with business documents spread out\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Mikhail-Nilov-Pexels-woman-with-business-documents-featured.jpg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Mikhail-Nilov-Pexels-woman-with-business-documents-featured-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Mikhail-Nilov-Pexels-woman-with-business-documents-featured-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Mikhail-Nilov-Pexels-woman-with-business-documents-featured-325x260.jpg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Mikhail Nilov\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"What_If_I8217m_Already_Over_524\">What If I'm Already Over 5\/24?<\/span><\/h2>\n<p>If you are already over 5\/24, you have a tough decision. Should you avoid opening new personal credit cards while you wait for some of your existing accounts to age out of the 24-month timeframe?<\/p>\n<h3><span id=\"Option_1_Wait_It_Out\"><strong>Option 1: Wait It Out<\/strong><\/span><\/h3>\n<p>If you're only a few months away from dipping back under 5\/24, it might be smart to press pause on any new personal card applications. Holding off now could mean unlocking access to some of Chase\u2019s most valuable welcome offers in just a short time.<\/p>\n<h3><span id=\"Option_2_Shift_Focus_to_Business_Cards\">Option 2: Shift Focus to Business Cards<\/span><\/h3>\n<p>You could also focus on business cards if you are eligible. That way you can keep earning bonuses and racking up points without jeopardizing your future Chase eligibility. Just make sure to stick to the listed banks above that don't typically report business cards on your personal credit card.<\/p>\n<h3><span id=\"Option_3_Move_On_from_Chase\">Option 3: Move On from Chase<\/span><\/h3>\n<p>If it will be a while before you're under 5\/24 again, consider the opportunity cost of waiting. It might make more sense to continue pursuing <a target=\"_blank\" href=\"\/credit-cards\/best-credit-card-offers\/\" rel=\"noopener\">valuable sign-up bonuses<\/a> with other banks, rather than changing your strategy to get in Chase's good graces.<\/p>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>Chase issues some of the best rewards cards available in the U.S., including iconic travel credit cards like the <a data-ccid=\"2061159\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-preferred\/\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/a>, <a data-ccid=\"4048084\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/sapphire-reserve\/\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/a>, and <a data-ccid=\"3006145\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/ink-business-preferred\/\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/a>. Understanding the 5\/24 rule is essential if your rewards strategy includes Chase cards.<\/p>\n<p>Getting back under 5\/24 can require patience if you've recently opened too many accounts. But it can be worth the effort, assuming you calculate what you might miss out on while waiting to get back under 5\/24. For anyone just starting out in the world of points and miles, planning your initial application strategy around the 5\/24 rule will allow you to add Chase\u2019s best rewards cards to your wallet before moving on to other card issuers.<\/p>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-chase\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/7e0262fd-5b61-413b-8b01-c8feec5b1d04.png\" alt=\"Chase Sapphire Preferred\u00ae Card\" width=\"150\"\/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Sapphire Preferred\u00ae Card' data-ccid=\"2061159\" href=\"\/blog\/link\/ChaseSapphirePreferredCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<span class=\"compare-terms\"><a data-ccid=\"2061159\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005147&type=3&subid=0263ef35f585a9fd872e42379063f20fd&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>5X points on Lyft rides through September 2027<\/li>\r\n<li>5X points on travel purchased through Chase Travel\u2120<\/li>\r\n<li>3X points on dining at restaurants worldwide<\/li>\r\n<li>3X points on eligible streaming services<\/li>\r\n<li>3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)<\/li>\r\n<li>2X points on all other travel<\/li>\r\n<li>1X point per dollar spent on all other purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" alt=\"Chase Sapphire Reserve\u00ae\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/565192b2-c5cc-4edc-89ae-b8bba7a63750.png\" width=\"150\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Sapphire Reserve\u00ae' data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$795<span class=\"compare-terms\"><a data-ccid=\"4048084\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1975477.10005148&type=3&subid=06c65f02f7be2ba357e0fe08598d81c28&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--6\"><strong>Credit Score<\/strong><p>Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>8x points on all purchases through Chase Travel\u2120<\/li>\r\n<li>4x points on flights and hotels booked directly<\/li>\r\n<li>3x points on dining worldwide<\/li>\r\n<li>1x points on all other purchases<\/li><\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/61a11a52-f743-4f5b-b43d-c09fba53aecd.png\" width=\"150\" alt=\"Ink Business Preferred\u00ae Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Preferred\u00ae Credit Card' data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<span class=\"compare-terms\"><a data-ccid=\"3006145\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005142&type=3&u1=102bb89add4bd2384317791785521cb0&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year<\/li>\r\n<li>1X point per $1 on all other purchases<\/li>\r\n<\/ul><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>For points and miles enthusiasts, the Chase 5\/24 rule is one of the most notorious restrictions you&#8217;ll run into when applying for a new rewards card. It&#8217;s a rule that can be confusing and frustrating. In this post, we\u2019ll cover everything you need to know about the Chase 5\/24 rule.<\/p>\n","protected":false},"author":86,"featured_media":8509,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12519,12786],"coauthors":[36466,36403],"class_list":["post-11943","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-application-strategy","tag-chase"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/11943","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/86"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=11943"}],"version-history":[{"count":100,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/11943\/revisions"}],"predecessor-version":[{"id":257011,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/11943\/revisions\/257011"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/8509"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=11943"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=11943"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=11943"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=11943"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}