{"id":189711,"date":"2025-08-28T18:00:20","date_gmt":"2025-08-28T18:00:20","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/08\/28\/chases-5-24-rule-everything-you-need-to-know-the-points-guy-2\/"},"modified":"2025-08-28T18:00:20","modified_gmt":"2025-08-28T18:00:20","slug":"chases-5-24-rule-everything-you-need-to-know-the-points-guy-2","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2025\/08\/28\/chases-5-24-rule-everything-you-need-to-know-the-points-guy-2\/","title":{"rendered":"Chase\u2019s 5\/24 rule: Everything you need to know – The Points Guy"},"content":{"rendered":"


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In the points and miles world, a mention of the infamous 5\/24 rule is sure to follow whenever a Chase card comes up. Essentially, this refers to the unofficial rule that Chase won’t approve a credit card application for someone who has opened five or more new credit cards from any issuer in the past 24 months.<\/p>\n

However, without any official published policy from Chase, dissecting the 5\/24 rule relies heavily on crowdsourced data. Because of this, some data points are outliers. That being said, here’s what you need to know about Chase’s 5\/24 restrictions.<\/p>\n

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What is the Chase 5\/24 rule?<\/h2>\n

In order to be approved for any Chase card subject to 5\/24, you cannot have opened five or more personal credit cards across all banks in the last 24 months (more on business cards<\/a> in a moment).<\/p>\n

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This means you actually need to be under 5\/24 to be approved. The 5\/24 rule only applies to getting approved for cards issued by Chase, but your 5\/24 count includes credit cards from all banks.<\/p>\n

Related: The best ways to use your 5\/24 slots<\/a><\/strong><\/p>\n

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Are all Chase cards subject to 5\/24?<\/h2>\n

Most travel cards issued by Chase are subject to 5\/24 for approval, including cobranded cards. The following are cards reported to be subject to the 5\/24 rule:<\/p>\n

*The information for these cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n

Reader reports also indicate that applying for too many Chase cards too quickly can lead to account scrutiny and shutdowns<\/a>, regardless of your 5\/24 status. Some online reports have noted that Chase will not accept you for more than two new accounts within 30 days.<\/p>\n

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Because of that, the general recommendation is to avoid applying for a new account more frequently than every three or four months.<\/p>\n

Remember that 5\/24 is not the only factor determining whether your Chase credit card application is approved<\/a>. Your credit score<\/a>, income, debt levels and many other variables<\/a> are also considered.<\/p>\n

For business cards, Chase also sometimes requests documentation such as financial statements or articles of organization to show that you have a legitimate business or sole proprietorship.<\/p>\n

Related: How to complete a Chase business credit card application<\/a><\/strong><\/p>\n

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How do I check my 5\/24 status?<\/h2>\n

We’ve found the easiest way to check your 5\/24 status is to sign up for Experian’s<\/a> free credit report service. (Make sure you don’t accidentally sign up for a paid service, unless that’s your intention.)<\/p>\n

Using the Experian app, you can view all of your accounts and sort them by the date they were opened. From here, count anything opened within the last 24 months. Chase only looks at whether an account was opened. It doesn’t matter if you’ve since closed it.<\/p>\n

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According to the most recent data points, you will not technically be below 5\/24 until the first day of the 25th month after your fifth account was opened. For example, if your fifth most recent account was opened on Oct. 17, 2023, do not apply for a new card until at least Nov. 1, 2025.<\/p>\n

Related: How to calculate your 5\/24 standing<\/a><\/strong><\/p>\n

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What accounts add to your 5\/24 status?<\/h2>\n

The following accounts count toward your 5\/24 standing:<\/p>\n