Chase 5/24 Rule Explained: Everything You Need to Know

What is 5/24?

Chase's 5/24 rule is an internal policy: if you have opened 5 or more credit cards across any issuer in the last 24 months, Chase will automatically deny your application for most of their cards.

Which cards count toward 5/24?

All personal credit cards from any issuer count — not just Chase cards. Business cards from most issuers do not appear on your personal credit report and generally do not count toward 5/24.

How to check your 5/24 status

Pull your free credit report from AnnualCreditReport.com and count every personal card opened in the last 24 months. That's your 5/24 count.

Working around 5/24

The primary strategy is to apply for Chase cards first, before opening cards from other issuers. Once you are over 5/24, you must wait for older cards to age out of the 24-month window.

When to ignore 5/24

If the Chase card you want has a lower sign-up bonus than a non-Chase card offering a limited-time elevated offer, prioritizing the elevated offer may be worth temporarily crossing 5/24.