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If you’ve ever had a Chase credit card application denied despite strong credit, there’s a good chance Chase’s 5/24 rule was the reason. The “Chase 5/24 rule” is one of the most infamous card application restrictions. Planning around it is key to earning Ultimate Rewards points.
The rule is based on what appears on your credit report (not just Chase cards), so it’s easy to lose track of where you stand — especially if you’ve opened cards across multiple issuers or added authorized user accounts. That’s why one of the most common questions we hear is: How do I check my Chase 5/24 status?
The good news is that you don’t need paid tools or complicated spreadsheets to find out. Below, we’ll walk through the easiest free ways to check your 5/24 count — and what to watch for so you don’t miscalculate it.
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A Quick Recap of Chase's 5/24 Policy
Under Chase's 5/24 policy, most applicants will be denied for a new card if they’ve opened five or more new credit card accounts in the last 24 months. This count is based on what Chase sees on your credit report.
Chase applies this restriction to nearly all of its credit cards, including Sapphire, Ink, and Freedom cards, as well as many airline, hotel, and business cards.
Here are the main takeaways from this rule:
- All personal credit cards opened in the past 24 months (from any issuer) count toward your 5/24 status. For example, if you’ve opened one card each with American Express, Bank of America, and Barclays, you’d be at 3/24 even though none are Chase cards.
- In most cases, Chase business cards don’t count toward your 5/24 total. However, though, you still need to be under 5/24 to apply.
- Some business cards do count towards your tally. These include those from Discover, TD Bank, and most Capital One business cards, since these issuers often report small business accounts to your personal credit report.
- Closing a card doesn’t remove it from your count. Chase’s policy is based on when you opened the account, not whether it’s still active.
- Authorized user accounts may be included in Chase’s calculation. If that pushes you over 5/24, a reconsideration call can sometimes help clarify that you’re not the primary account holder.
- Other types of loans (like auto loans, personal loans, mortgages, or student loans) do not count toward your 5/24 status.
Related: Why Starting With Chase Cards Matters if You’re Under 5/24
The Simplest Way to Check Your Chase 5/24 Status
The good news is that you have several free ways to check your 5/24 status, including using apps like Credit Karma or simply counting new accounts on your credit report.
Note that Experian is no longer helpful in calculating 5/24. It was once an excellent option for tracking your 5/24 status, but changes to its website and app have made it much less useful for this purpose.
Let’s take a look at a few tools that are still great options for checking your 5/24 status.
Capital One CreditWise
Probably the simplest option on this list is Capital One’s CreditWise. Just log in to your Capital One account and scroll down until you see the CreditWise tile. Click it and activate the service if you haven’t already. It’s free, so there’s no cost to worry about.
Once inside CreditWise, look for the section labeled “Your TransUnion Credit Report” and click it.
From there, scroll to Accounts & Balances, where you’ll see a category for “New” credit lines. Click that to view all accounts opened recently. Note that the page reportedly shows “Accounts that have been opened within the past 12 months.” However, I'm also seeing cards opened between 12 and 24 months ago — so check carefully.
Regardless, you can see that I’m above 5/24 right now:
Overall, this was the easiest method I found for quickly checking your 5/24 status. However, if you want more detailed account information or additional credit report features, other tools may be a better fit.
Related: Ways To Check Your Credit Score for Free
Intuit Credit Karma
Another free option for checking your 5/24 status is Credit Karma, which provides access to both your TransUnion and Equifax credit reports.
To get started, create an account on Credit Karma’s site and enter the requested information. Once it pulls your credit profile, select either TransUnion or Equifax from the Dashboard. Then, scroll down to the Credit Health section, find “Credit age,” and click it.
On the next page, scroll down to the “Credit cards” section. Your accounts will be listed from oldest to newest.
From there, scroll to the newest accounts and note any cards opened within the last two years.
Unfortunately, this list only shows your open accounts. Chase also considers closed accounts when calculating your 5/24 status, so you’ll need to review those as well. To do that, find the “View Another Credit Factor” section and click “Total Accounts.”
Next, scroll down and select “View all accounts.”
From there, click “Show XX closed accounts” to display your closed accounts.
These accounts aren’t sorted by opening date, which is what you really need. Instead, you’ll see the issuer name and the closing date. Cards closed more than 24 months ago can be ignored. For any card closed within the last two years, click the account name to view the opening date.
Once you add the relevant closed accounts to your open accounts list, you’ll have the total number of cards you’ve opened in the past 24 months, which is your Chase 5/24 number.
Other Free Ways to Check Your Chase 5/24 Status
There are other ways to check how many new cards you’ve opened, though they do require a bit more legwork.
For example, if you enter your credit card history into Travel Freely, the tool will display your 5/24 status every time you log in. It also shows when each card will fall off your 5/24 count, which can be helpful for planning future applications.
That said, it can take some time to add all of your accounts, especially if you’ve opened a lot of credit cards over the years.
For older accounts, you don’t necessarily need to include details like the bonus you earned or whether you product-changed the card. The most important information is simply the card name and the opening date. You can usually find that date on your credit report or by contacting the card issuer directly.
The good news is that once everything is entered, Travel Freely is easy to maintain. Adding a new card takes just a minute, and updating a card you’ve closed or changed is straightforward. Plus, your 5/24 status will always be visible whenever you log in.
Get your free credit report
You can also get a free copy of your credit report at AnnualCreditReport.com. As the name implies, the site originally provided just one free report per year, and you typically had to pay to access your full report again.
However, since 2023, AnnualCreditReport.com has offered weekly access to your credit report at no cost.
The report includes all the information you need to determine your 5/24 status, but it won’t automatically sort accounts by opening date, so you’ll need to review the list manually.
Track your count in a spreadsheet
If you’d rather track your 5/24 status yourself, you can create a simple spreadsheet with the opening dates of your credit cards. For the best accuracy, it’s a good idea to confirm both opening and closing dates on your credit report.
Regardless of the method you use to check your credit report, you can identify authorized user accounts in the account details. Look for language like “Responsibility: Authorized User” when reviewing a credit line.
If you’re the primary cardholder, that same field will typically show “Individual.”
When counting accounts opened within the last two years, make note of which ones are authorized user accounts. These accounts usually don’t count toward your 5/24 status, but it’s still helpful to know how many you have in case you need to clarify this during a reconsideration call.
Final Thoughts
Because of Chase’s inflexible application rules, we recommend building your portfolio of Ultimate Rewards-earning cards before branching out into other rewards currencies. If you focus on other issuers first and end up over 5/24, getting back under the limit can take time. And it’s never fun missing out on Chase’s lucrative welcome offers.
Do you know other free, simple methods to check your 5/24 status? Let us know in the comments below.
JT,
Nearly a year has passed so whoever you assigned this to for an update dropped the ball (Experian killed the sort-by-date feature quite a while ago).
Otherwise, you have a great column and I appreciate seeing the comprehensive view of the card-o-sphere.
Hi Geoff, thanks for bringing this to our attention. We’ve re-assigned this post for an update and should be publishing it early this week.
Try updating the actual usefulness of the article rather than just the publication date.
For instance, the Experian app does not work anymore.
Believe me: Having outdated information with updated dates drives me nuts. The option to “show update date” was checked by someone no longer with the company. I reverted the publish date back to the last time this was published, and I’m assigning this post out for an update.
Is the Chase Ink Business Unlimited subject to 5/24 on applying or for future purposes? We did the 120k points deal on that one last year.
The Ink Business Unlimited is indeed subject to 5/24, although some have reported being able to get around that through an in-branch relationship.
Chase Credit Journey also has a way to check 5/24 status. Scroll down to “Total Balances,” tap “See all accounts” at the bottom of that section (which takes you to a list of all your accounts, including ones you’re an authorized user on), and tap each to see account details, including the age and date opened. Unfortunately, that info isn’t provided for closed accounts, which are listed below open ones. However, from the payment history chart that is, you can figure out month and year opened, which should be sufficient.
Thanks for the tip Kathryn!
That doesn’t work any longer either.
I checked my card status using the Experian app and it showed most of my cards (open and closed) Interestingly enough it did not show a Chase Flex card I opened last year. Any idea why that would be?
Patrick, it definitely should show up. I would reach out to Chase and Experian to ask why the card isn’t showing on your credit report (unless you want it to not show up…).
I am not able to check my 5/24 status. Credit Karma does not work. Please provide a direct link and instructions. I just want to know my 5/24 status (accounts opened in past 24 months).
We’ve dug into a few options, but nothing is as easy to do as Credit Karma was.
Both you and the Points Guy recommended Credit Karma to determine 5/24 status; however, the link provided and the account page does not allow sorting in any way. I don’t know if the functionality has been removed or something else is going on.
Yes, Credit Karma did remove that functionality – as we note at the top of this post. We have been looking for other options ever since. If you have an existing Mint account, I built this spreadsheet to help you determine your 5/24 status. Just note that you’ll need to remove non-card accounts added in the past 24 months (mortgage, student loans, etc): https://docs.google.com/spreadsheets/d/1u0u2NPW5v2qyer05E5Ncx8A7PgMTWt4ywOqgNDnHg24/edit?usp=sharing
The CreditKarma site changed and none of these tricks work any longer.
Thank you for the heads up. We are researching a new option for figuring out your 5/24 status.
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.
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?
Yes, as far as I know, this includes all Cap1 Business cards.
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.
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.
Switching between card products could be easily completed too.
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.
Never knew they tracked this!
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.
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.
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.
They most definitely do. It could be a lag in your report or Amex reporting.
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.
Thanks! Great info. I have always loved Credit Karma.
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.
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.
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
thanks- very helpful tools and tips
great tip. thank yoU!
I always wondered about how to do it. good guide.
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.
Try that link again.
You need to login first and then go to that link
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.
The score isn’t off. It is either outdated (it doesn’t update your score daily) or it’s using a different credit scoring model. Nothing to worry about.
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.
https://creditwise.capitalone.com/home
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!