BonusCeilingChase 5/24 rule explained: which cards count (Oct 2026)
Short answer: Chase usually denies applicants who opened 5 or more personal credit cards from any bank in the past 24 months. It is widely reported but not officially published. In our data, 16 Chase cards (12 personal, 4 business) carry the rule, so if you are near 5/24, apply for the Chase cards you want first.
By TK · Updated
What counts toward 5/24
- Counts: new personal credit cards from any bank in the last 24 months (authorized-user cards are commonly reported to count).
- Usually doesn't count: most business cards from other banks.
- Still subject to it: Chase business cards when you apply.
Source wording: Widely reported (not officially published): Chase usually denies applicants who opened 5+ personal cards from any bank in the past 24 months. Most business cards from other banks don't count; Chase business cards are still subject to it. Chase pages say only that it 'may consider the number of cards you have opened and closed'.
Chase cards affected (current offers)
| Card | Current public offer | All-time high | Annual fee | vs. record |
|---|---|---|---|---|
| ChaseChase Freedom Flex | $250 after $500 spend in 3 months | $250 after $500 (current, since Sep 2026), the highest fixed cash bonus per The Points Guy | $0 | AT RECORD |
| ChaseUnited Explorer Card | 70,000 miles after $3,000 spend in 3 months + 10,000 for adding an authorized user | 80,000 miles after $3,000 in 3 months (Mar 25-May 7, 2025) per AwardWallet | $0 first year, then $150 | 88% of record |
| ChaseChase Ink Business Cash | $750 (75,000 points) after $6,000 spend in 3 months | 90,000 points after $6,000 (recurring) | $0 | Business 83% of record |
| ChaseChase Ink Business Preferred | 100,000 points after $8,000 spend in 3 months | 120,000 points after $8,000 (Jul-Sep 2024) | $95 | Business 83% of record |
| ChaseChase Ink Business Unlimited | $750 (75,000 points) after $6,000 spend in 3 months | 90,000 points after $6,000 (recurring) | $0 | Business 83% of record |
| ChaseChase Sapphire Reserve | 100,000 points after $6,000 spend in 3 months | 125,000 points (2025, per yourbestcreditcards.com); also 100k + $500 Chase Travel credit | $795 | 80% of record |
| ChaseChase Sapphire Preferred | 75,000 points after $5,000 spend in 3 months | 100,000 points (Jun 2021; Apr-May 2025; Jun-Jul 2026) | $95 | 75% of record |
| ChaseChase Freedom Unlimited | $200 after $500 spend in 3 months | $300 after $500 (Dec 2025-Jan 2026) per Upgraded Points; past offers also added bonus categories | $0 | 67% of record |
| ChaseSouthwest Rapid Rewards Priority | 60,000 points after $2,000 spend in 3 months | 100,000 points after $4,000 in 5 months (Jul-Sep 2025) per Southwest and Upgraded Points | $229 | 60% of record |
| ChaseSouthwest Rapid Rewards Plus | 50,000 points after $1,000 spend in 3 months | 100,000 points after $4,000 in 5 months (Jul-Sep 2025) per Southwest and Upgraded Points | $99 | 50% of record |
| ChaseChase Aeroplan Card | 75,000 points after $4,000 spend in 3 months | Unknown (not verified) | $195 | History unknown |
| ChaseChase Sapphire Reserve for Business | 200,000 points after $30,000 spend in 6 months | Unknown (not verified) | $795 | Business History unknown |
| ChaseIHG One Rewards Premier | 180,000 points after $3,000 spend in 3 months | Unknown (not verified) | $150 | History unknown |
| ChaseMarriott Bonvoy Boundless | 3 Free Night Awards (up to 50,000 points each) after $3,000 spend in 3 months | 5 Free Night Awards (up to 50k each) after $3,000 in 3 months (Jan-Mar 2026) per AwardWallet and The Points Guy; current offer is 3 nights | $95 | Below record |
| ChaseUnited Quest Card | 80,000 miles after $4,000 spend in 3 months, plus 500 PQP after first purchase | Unknown (not verified) | $350 | History unknown |
| ChaseWorld of Hyatt Credit Card | Up to 60,000 points: 30,000 after $3,000 spend in 3 months, plus up to 30,000 more (2X on up to $15,000 in 6 months) | Unknown (not verified) | $95 | History unknown |
Frequently asked questions
What is the Chase 5/24 rule?
Widely reported (not officially published): Chase usually denies applicants who opened 5+ personal cards from any bank in the past 24 months. Most business cards from other banks don't count; Chase business cards are still subject to it. Chase pages say only that it 'may consider the number of cards you have opened and closed'.
Which Chase cards are affected by 5/24?
In our data, 16 Chase cards are tagged with 5/24: Chase Freedom Flex, United Explorer Card, Chase Ink Business Cash, Chase Ink Business Preferred, Chase Ink Business Unlimited, Chase Sapphire Reserve, Chase Sapphire Preferred, Chase Freedom Unlimited, Southwest Rapid Rewards Priority, Southwest Rapid Rewards Plus, Chase Aeroplan Card, Chase Sapphire Reserve for Business, IHG One Rewards Premier, Marriott Bonvoy Boundless, United Quest Card, World of Hyatt Credit Card. Chase does not publish the rule, so treat it as applying to all Chase cards.
Which cards count toward 5/24?
Per widely reported data points: new personal credit cards from any bank opened in the past 24 months count. Most business cards from other banks don't count; Chase business cards are still subject to the rule when you apply.
Do Chase business cards count toward 5/24?
Applying for a Chase business card is subject to 5/24, but most business cards (including Chase's) are reported to not add to your count because they don't appear on your personal credit report.
How do I check if I'm under 5/24?
Count the personal credit card accounts opened in your name in the last 24 months on your credit report, including authorized-user cards. Our eligibility checker uses that number.