Chase business cards don’t add to your 5/24 count

With the introduction of their unofficial 5/24 Rule, Chase has made life much harder for those who like to frequently sign up for credit cards to get the signup bonuses.  With the 5/24 Rule, Chase denies most applications in which the applicant has opened 5 or more cards in the past 24 months.

And we’re not just talking about Chase cards here.  All issuers count.  If you’ve never opened a Chase card in your life, but you opened 3 Amex cards and 3 Citi cards in the last 24 months, then you’re out of luck if you want to get a Chase card.

Even authorized user cards count against you.  If you opened 3 of your own cards and were added as an authorized user to 2 other accounts in the past 24 months, you’ll be over 5/24.  Fortunately, there are ways around the authorized user issue: 1) You can call Chase reconsideration and ask to speak to a supervisor. Make it clear to them that you are not responsible for paying the charges incurred on your authorized user accounts.  Or, 2) Have the authorized user cards removed from your credit report (see this Doctor of Credit post for details).

Want to know your 5/24 status?  See: How to count your 5/24 status from your smart phone.

5/24 Enforcement vs. 5/24 Count

Chase enforces 5/24 with most Chase cards, but not all.  Meanwhile, chase counts all cards that are on your credit report.

5/24 Enforcement: When you apply for a Chase card in which 5/24 is enforced, you will not be approved if your 5/24 count is at 5 or more new accounts in the past 24 months.

5/24 Count: All cards, regardless of which bank they’re from are counted towards your 5/24 count if they appear on the credit report with an open date within the past 24 months.  This includes cards that were closed.  Any cards not on your credit report are not counted (i.e. certain business cards are not counted).

5/24 Enforcement Exceptions

Chase does not apply the 5/24 rule to all credit card applications.  There are a handful of co-branded credit cards that are not subject to the 5/24 rule.  This means that you can get these cards even if you are over 5/24.  Once you get these cards, though, they will add to your 5/24 count.  The Chase cards not subject to 5/24 enforcement include the following cards (click the links for details about each):

Another exception to the 5/24 rule enforcement comes when you are pre-approved for an offer in-branch.

5/24 Count Exceptions: Business Cards

Any credit card or charge card that shows up on your credit report will count towards your 5/24 status.  As discussed above, it is possible to get authorized user cards removed from your credit report.  Another approach is to sign up for business card.  Most business cards are not reported to the personal credit bureaus and therefore are not counted towards 5/24.  This includes Chase business cards.

Business cards that are NOT reported (and therefore do not count against 5/24):

  • American Express (except for Canadian Amex)
  • Bank of America
  • Chase
  • Citi
  • US Bank
  • Wells Fargo

Business cards that are reported:

  • Capital One
  • Discover

Business cards that may or may not be reported:

  • Barclaycard: Most data points suggest that Barclaycard business cards are not reported, but a few reports indicate otherwise.

The Chase Business Card Question and Answer

While we know that Chase business cards are not reported to the credit bureaus, we also know that Chase can count your Chase business cards if they want to.  The question is whether they bother to…

I raised this question a year ago: Do Chase Business cards add to your 5/24 total?  In that post I listed evidence in both directions.  There was compelling evidence that Chase counted business cards and compelling evidence that they didn’t count business cards.

Over the past year, more and more evidence has come in suggesting that Chase business cards do not count.  On the Frequent Miler Insiders Facebook Group, for example, we’ve heard from two people who were recently approved for Chase cards even though their Chase business cards would have put them over 5/24.

One contributor, for example, had signed up for the following 5 cards in the past 7 months before applying for a new Ink Cash card:

  1. Chase Ink Business Preferred
  2. Chase Sapphire Reserve
  3. Chase Southwest Premier Business
  4. Chase Southwest Plus
  5. Chase Ink Business Preferred (yes, a second one, and yes she got the bonus)

She then applied for the Ink Cash business card and was instantly approved.  We know for certain that all Chase Ink business cards are subject to 5/24 enforcement, so this is pretty good proof that at least some of her Chase business cards did not count towards her 5/24 total.  Theoretically her 5/24 count remains at just 2 (the Sapphire Reserve and Southwest Plus cards).  Going forward she can theoretically continue to get approved for Chase cards.

Another contributor had opened 3 Citibank cards and two Chase cards (one was a business card) before applying for another.  He had opened the following cards:

  1. Citi Hilton (no longer available)
  2. Citi ThankYou Premier
  3. Citi ThankYou Prestige
  4. Chase Sapphire Reserve
  5. Chase Ink Business Preferred

He then applied and was approved for the Chase Freedom Unlimited card.  Again, this suggests that his Ink Business Preferred did not count towards his 5/24 total.  Going forward, though, the Freedom Unlimited card will count and so he will not be able to get cards in which 5/24 is enforced.

Rejections don’t prove that business cards count

Situations like those presented above give great evidence that it’s still possible to get new Chase cards when your 5/24 count would be 5 if Chase business cards were counted.  In other words, they disprove the hypothesis that Chase business cards are counted.

What about when the reverse happens?  One reader reported getting rejected for an Ink Cash due to “having too many cards.”  This reader had signed up for the following cards in the past 24 months before applying for the Ink Cash card: Chase Southwest Business, Chase Southwest Plus, Chase Ink Business Preferred, Chase Hyatt and Chase IHG.

In this case, Chase may have denied the application simply because they felt that they had already extended enough credit to this person.  In these cases it is sometimes possible to reverse the decision by calling reconsideration multiple times.  With 5/24 rejections, though, reconsideration calls never help (except when authorized user cards had contributed to the over 5/24 count).

Final Answer: Chase business cards do not count towards 5/24

I know.  I know.  As soon as I publish this I’ll hear from people who will confidently assert that their Chase business cards did count to put them over 5/24.  Until then, I’m comfortable settling on this answer 😉

About Greg The Frequent Miler

Greg is the owner, founder, and primary author of the Frequent Miler. He earns millions of points and miles each year, mostly without flying, and dedicates this blog to teaching others how to do the same.

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  1. I’m confused. It says boldly that Chase business cards do not count, but the article also says the Chase Ink business card IS subject to 5/24, so…

    • It’s confusing. I guess in trying to explain it I just made it more confusing. There are two different things in the question of whether 5/24 applies:

      1. Does the card count towards your 5/24 total?
      2. Does Chase enforce 5/24 rules for this card? i.e. can you get this card if you are over 5/24?

      The answer to #1, for Chase business cards is no. They do not count towards your 5/24 total.

      The answer to #2 depends. For most Chase business cards they do enforce 5/24 rules (meaning you can’t get the card if you’re over 5/24), but they don’t enforce it for the Marriott business card.

      • Greg, as usual, there is not consistency to this rule. I was declined for the Marriott business card due to the number of personal applications (in excess of 5/24). I am a Chase private client, have a score of over 800, and have only applied for one card for my business. I called the reconsideration line twice (second time asking to speak with a supervisor) and I was told that I was being declined because I had 8 personal applications within the past 24 months. I offered to move credit from one of my other cards and that was denied. So although I have read that the 5/24 does not apply to business cards (and more specifically, the Marriott business card), in my case that was not true. Btw, thanks for a great blog. Your information is outstanding and always helpful.

        • Thanks for that data point. In this case you’re disputing the idea that the Marriott Business card is not subject to 5/24 enforcement. That’s different than disputing the main point of the post (that Chase business cards don’t count towards 5/24).

          It may be that you were denied for reasons other than 5/24 even if the explanation sounded similar. Or maybe it was 5/24. I don’t know. The interesting thing about that is that early on reports were mixed as to whether or not 5/24 was enforced with the Marriott Business card. Lots of people over 5/24 have been approved, but some (like you) appear to have been blocked by 5/24. If I hear more conflicting info about this particular card, I’ll change the way I report it to something like “often 5/24 is not enforced”

        • You didn’t get denied due to 5/24 rule. Tell us what your denial LETTER states, not what some clueless CSR says.

          btw, i was approved for marriott biz last month while at 28/24 aka lol/24

    • I think what they are saying is chase business cards do not add to the amount of credit credit cards in your 5/24 calc.

      However, you will be denied for a business card app if you have already exceeded 5/24 and attempt to sign up for a new business card.

      • Ah, but it did not. You list the Marriott Rewards Premier Business [Chase] card under the heading of “5/24 Enforcement Exceptions”, stating that “they will add to your 5/24 count”.

        But then in the very next section, you list Chase Business Cards as being subject to this rule: “Most business cards are not reported to the personal credit bureaus and therefore are not counted towards 5/24. This includes Chase business cards.”

        So which is it? Does the Marriott Rewards Premier Business [Chase] card count against 5/24 or not? This is important to me since I have received several online offers for this card at the 80K bonus level.

        • Aha. You found an error in my post. The Marriott business card is the lone card where:
          1. It doesn’t count against 5/24 since it is a business card, and
          2. Chase doesn’t enforce 5/24 rules when you apply for this card [Note too, though, that reports are mixed regarding this second point]

  2. Personally, it makes no sense to me how having the 5/24 rule regarding card approvals stops churners and helps their business. If they want to stop churners, just have a rule that you are only allowed one signup bonus per year from Chase (or something like that). Then, they can approve anyone who is over 5/24 and stop people from taking advantage of their signup bonuses.

    • I’ve heard mixed things about Barclays business cards showing up on your personal credit report. I personally have a JetBlue business card, opened December of 2016, under a separate business tax ID, and nothing has showed up on my personal credit report. I’m not sure if it’s different if you use your SSN as your business tax ID versus a business tax ID from a separate entity. He’s probably just reporting the credit card companies that have proven to not report on your personal credit report. With Barclaycard, there’s more question marks about whether it will or won’t.

      • I’ll add my data point to this. I signed up for the business JB in July, using my SSN as my business tax ID. Checking via CreditKarma, this account does not show up under either TU or Equifax.

    • Happy (actually, not happy –AT ALL–) to send you a screenshot of my credit reports, showing Barclays business quite prominently (where it will remain for another 1.5 years), whilst ruining the 5/24 strategy I had worked quite hard to implement.

      Do I believe others who say it has not shown up on their reports? Sure, but I can only speak for myself, and myself can vouch unequivocally that YMMV holds true here.

  3. Hey Greg,

    It used to be thought that Barclaycard business cards appeared on personal credit reports, but I haven’t seen any recent DPs of that being the case if it ever was.

    So Barclaycard should be moved to business cards NOT reported on personal credit reports and don’t count against 5/24

  4. @Joe C and @J:

    I applied for the JetBlue business card through Barclay and it DEFINITELY counted on my personal credit report – Barclay even used it as a basis for denying me for AAdvantage card and cited something I’ve never heard from them before “too many cards opened in the last 24 months”

  5. Does the reporting of Chase Business Cards on your personal credit report vary based on whether you apply using an EIN vs your SSN?

  6. Intriguing, for sure, but to author an article with such a conclusive title? Geez, just seems like an awfully small sample size of data to rely upon, and from two unverified(?) Facebook sources…

    • I’m pretty sure Chase Business Cards (and at least my Amex Bus Cards) don’t count towards your 5/24 status. My DP: Was just approved for a Freedom Unlimited while being technically 9/24 (online app, no in branch pre-approval work around). Regarding the 9, they were CSP, Ink Plus, BCP, CSR, Ink Preferred, Bus Plat, Blue Bus Plus, Ink Cash, Personal Plat. So, the only way I could have been 4/24 at this time was if all the Amex business cards and all three of my Chase business cards were not counted.

  7. I would think an article about the Experian breach would be appropriate. 150 million accounts hacked?
    That probably affects 95 percent of readers here.

  8. Hey Greg, a bit unrelated but you did mention something in this post about it… I’ve been theorizing about the Ink Preferred and its (at least current) LACK of once-per-24-months sign up bonus language… any chance you could elaborate on the circumstances surrounding the reader who was approved for two Ink Preferreds AND received both bonuses?

    Mainly did this person apply with their SS# as a SP for both apps, or was it SS# one, Busienss Tax ID for the other, or maybe both apps were the same tax ID or maybe even different tax ID’s and different business names? Anything you know about this would be great to hear, and in the meantime I have requested to join your FB group. I have been considering going for another Ink Preferred given the current lack of 24 month language, but figure I’d gather all the info I can before (possibly) taking a bullet for the team! Haha.

    Also, in my case I applied for my first Ink Preferred as SP using my SS# and would do the same for the second one, though I could register a business if people know that using a Tax ID # possibly gets another bonus.

    Oh and I’m maybe 5 months from being a datapoint for this articles main point: the belief that chase business cards do not apply toward 5/24. I’m at 1/24 if they don’t, 4/24 if they do, so the tale will be told in the next few days!

    Thank you!

    • Looks like, more or less, all the info I desired is on the Facebook group, save for any info you have on data points regarding two Ink bonuses with one SS# as a SP.

      Thank you!

  9. I can verify the accuracy of this article from my own experience. In the past 24 months I’ve gotten the following in order:
    1. Alliant Visa
    2. Chase Sapphire Reserve
    3. Chase Freedom Unlimited
    4. Chase Ink Preferred
    5. Chase Ink Cash
    6. Chase Sapphire Preferred

  10. Just wanting to add a data point to confuse things – I was just denied because of 5/24, and my Chase Ink Plus did indeed count towards 5/24. I asked the rep to tell me which cards were showing up on his end, and he included 2 accounts I didn’t expect: an Amex account on which I was an authorized user, and that Ink Plus. I asked him if business cards do count, he said yes. He also said authorized user cards count too.

    • Thanks Tim. Yes, authorized user cards definitely count, but they’re different from other cards in that you can usually argue your way out of them counting (at least when speaking to a supervisor and explaining that you are not responsible for the charges on that card).

      My guess is that the rep knew that you were over 5/24, but didn’t have access to the exact list used by the system so he instead listed the cards he could see on your report and in your account.

  11. I applied and got the dreaded need more information message. Great credit score, so definitely not as issue. Fingers crossed for an approval! Any tips on calling a reconsideration line?

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