Best business card offers that don’t add to 5/24

In my opinion, Chase offers many of the best credit cards and the best signup offers.  They have a fantastic lineup of cards that earn Ultimate Rewards points.  Through these cards one can easily amass hundreds of thousands of transferable points through signup bonuses, and then continue to earn huge rewards by picking the right cards for the right type of spend (for example, pay your phone, cable, and internet bills with your no-fee Ink Business Cash card to get 5X rewards for these purchases).   You can read more here: Chase Ultimate Rewards Deep Dive.

Another key component of Chase’s credit card dominance is that they issue Southwest Airlines credit cards.  This is huge because Southwest has the best deal in travel: earn 110,000 qualifying points in a calendar year and you get a companion pass good for an unlimited number of flights booked with points or cash.  That companion pass is good for the rest of the year in which it is earned and all of the next year.  And, with Chase, it’s often possible to get that companion pass simply by signing up for a personal Southwest card and business Southwest card and meeting the minimum spend requirements for both.

Chase also has a few terrific hotel credit cards.  If you want to earn top tier Hyatt status (which is, by far in my opinion, the best top tier hotel status), you can earn that status through spend with the World of Hyatt card.  Chase also provides very good IHG and Marriott cards.

But 5/24!

The problem with Chase’s cornucopia of credit card goodness is that there comes a point in every point-hunters life when they’ll no longer get approved for new Chase credit cards.  When Chase sees that you have opened 5 or more credit cards in the past 24 months, they won’t approve you for new cards (except when you are targeted for a “Just for You” offer).  This obviously makes it very difficult to take advantage of all of the great Chase credit card opportunities.

Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months.

To determine your 5/24 status, see: 3 Easy Ways to Count Your 5/24 Status. An even easier option is to track all of your cards for free with Travel Freely.

The business card solution

Chase uses your credit report to determine your 5/24 count, and it so happens that most business cards are not reported to the personal credit bureaus.  Even Chase business cards are treated this way.  That is, you won’t get approved for a Chase business card if you are over 5/24, but if you are under 5/24 and get approved, that new card won’t increase your 5/24 count.  So, a great way to delay going over 5/24 is to sign up primarily for business cards, including Chase business cards.  This is the strategy that we documented in the “informed newbie” series (see: Over 600,000 points and well under 5/24).  And, it is the strategy that my son is following under my direction.

Applying for Business Credit Cards

Yes, you have a business: In order to sign up for a business credit card, you must have a business. That said, it's common for people to have businesses without realizing it. If you sell items at a yard sale, or on eBay, for example, then you have a business. Similar examples include: consulting, writing (e.g. blog authorship, planning your first novel, etc.), handyman services, owning rental property, renting on airbnb, driving for Uber or Lyft, etc. In any of these cases, your business is considered a Sole Proprietorship unless you form a corporation of some sort.

When you apply for a business credit card as a sole proprietor, you can use your own name as your business name, use your own address and phone as the business' address and phone, and your social security number as the business' Tax ID / EIN. Alternatively, you can get a proper Tax ID / EIN from the IRS for free, in about a minute, through this website.

Is it OK to use business cards for personal expenses? Anecdotally, almost everyone I know uses business cards for personal expenses. That said, the terms in most business card applications state that you should use the card only for business use. Also, some consumer credit card protections do not apply to business cards. My advice: don't use the card for personal expenses if you're not comfortable doing so.

Best business card offers that won’t add to 5/24

This table shows business cards that do not contribute to your 5/24 count.  Cards are sorted by first year estimated value.  We have weeded out business cards from issuers like Capital One and TD Bank since they do report business cards to personal credit bureaus.  Please note that there are some situations where the banks listed here will report to the personal credit bureaus (such as when you miss payments).

If you’re interested in seeing more than the top 10 offers, simply click “Next” at the bottom of the page, or use the drop down selector at the top to show more than 10 items.

Card Offer
Chase Ink Business Preferred Card
80K points
80K after $5K spend in 3 months

$95 Annual Fee

This card is known to be subject to Chase's 5/24 rule.

Recent better offer: This is the best public offer we've seen. A 100K offer is sometimes available in-branch through a Business Relationship Manager.

Gold Delta SkyMiles® Business Credit Card from American Express
70K miles + $50 statement credit
70K miles after $4K spend in the first 3 months + $50 statement credit after 1st Delta purchase in first 3 monrhs

No Annual Fee First Year, Then $95

AAdvantage® AviatorTM Business MasterCard®
Up to 75K miles
Up to 75K miles: 65k miles after $1K in purchases within 90 days and 10K miles when a purchase is made on an employee card that is added to the account at the time of application or within 30 days of the account open date

$95 Annual Fee

Platinum Delta SkyMiles® Business Credit Card from American Express
80K miles + 5K MQMs + $100 statement credit
80K miles + 5K MQMs after $6K spend in first 3 months plus a $100 statement credit after first Delta purchase in the first 3 months.Terms and limitations apply.

$195 Annual Fee

Chase Southwest Airlines Rapid Rewards® Premier Business Card
60K miles
60K after $3K spend in 3 months

$99 Annual Fee

This card is known to be subject to Chase's 5/24 rule.

Recent better offer: None. This is the highest public offer we've seen.

JetBlue Business Card
Up to 60K miles
Up to 60K: 50K after $1K spend in 90 days and earn 10K after a purchase is made on an employee card

$99 Annual Fee

Chase United MileagePlus® Explorer Business
50K miles
50K after $3K spend in 3 months

No Annual Fee First Year, Then $95

You may be targeted for this same offer with a $50 statement credit. Details here.. This card is known to be subject to Chase's 5/24 rule.

Delta Reserve for Business Credit Card
80K miles + 5K MQMs
80K miles + 5K MQMs after $6K spend in the first 3 months. Terms and limitations apply.

$450 Annual Fee

Recent better offer: None

The Business Platinum® Card from American Express
75K points
Up to 75K: 50K after $10K spend + 25K after additional $10K spend in 3 months.

$595 Annual Fee

Recent better offer: 150K after $20K Spend (Targeted)

American Express® Business Gold Card
50K points
50K points after $5K spend in 3 months

$295 Annual Fee

The Hawaiian Airlines® Business MasterCard® issued by Barclays
Up to 70K miles
60K after $1K in the first 90 days + 10K after a purchase is made on an employee card

$99 Annual Fee

Marriott Bonvoy Business™ American Express® Card
75K Points
75K points after $3K spend in the first 3 months. Terms apply.

$125 Annual Fee

SimplyCash® Plus Business Credit Card from American Express
Up to $500 Cash Back
$500: $250 in statement credits after spending $5K in purchases in the first 6 months + an additional $250 in statement credits after you spend an additional $10K in the first year

$0 Annual Fee

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: $500: $250 after $5K in 6 months plus $250 after additional $10K in 12 months (Expired 4/25/18)

BOA Platinum Business Visa
$200 Cash Back
$200 after $500 spend in 60 days

$0 Annual Fee

Amazon Business American Express Card
$150 Amazon Gift Card
Eligible Prime members get a $150 Gift Card upon approval. Those without Prime get a $120 gift card.

$0 Annual Fee

The Plum Card® from American Express
Up to $600
Earn a $200 statement credit after each $10,000 you spend on the card, up to $30,000, in the first 3 months of Card Membership

No Annual Fee First Year, Then $250

The Blue Business℠ Plus Credit Card
2X Everywhere
2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms apply.

$0 Annual Fee

See Rates & Fees

Recent better offer: 20K after $3K spend in 3 months (Expired 6/21/17)
10K points after $3K in purchases in the first 3 months (Expired 9/26/18)


First year values are calculated as: estimated first year value minus estimated first year costs. First year value includes signup bonus points and statement credits. First year costs include the first year annual fee and the opportunity cost of meeting minimum spend requirements.

Please note that valuable perks such as free checked bags, companion passes, airport lounge access, etc. are not included in these calculations.

Full details of how first year value is calculated can be found here: Credit card signup bonus estimation details.

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.

More articles by Greg The Frequent Miler »

Regarding comments: Comments posted at the bottom of Frequent Miler pages and posts are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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Silly question maybe. The list you gave at the bottom of the article states “Best business card offers that won’t add to 5/24” but some of the individual cards listed right beneath that headline indicate they are known to count??? So which is it? I am confused. Thanks.
Also, if these cards show up in our Chase accounts under “Just for you” – does that mean they are pre-approved? Thanks


“This card is known to be subject to Chase’s 5/24 rule.” Are you referring this sentence? It means to get this card, you are at the mercy of the Chase’s 5/24 Rule. However, it won’t increase your new card total within a 24-month period.
To your second question, I think so.

Found the article by Greg:
Chase 5/24 semantics (“Subject to” vs. “Count towards”): Most Chase cards are subject to the 5/24 rule. That means the rule is enforced in making approval decisions. In other words, you probably won’t get approved if your credit report shows that you opened 5 or more cards in the past 24 months. Meanwhile, most business cards (such as those from Chase, Amex, Barclaycard, BOA, Citi, US Bank, and Wells Fargo) are not reported on your personal credit report. These cards do not count towards 5/24.

Example: Chase Ink Business Preferred is subject to 5/24, so you likely won’t get approved if over 5/24. If you do get approved, it won’t count towards 5/24 since it won’t appear as an account on your credit report.


The Citi AA Business card showed up on my personal credit. I think it was a mistake as the 70,000 bonus miles didn’t show up either. I had to call and complain and it took some weeks but they finally gave me the 70,000 AA miles.

If I call them, do you think they will be able to remove it from my credit history?


[…] How to get under 5/24 and what to do while waiting.  It would be nice to have a dedicated page/post with best non-reporting biz offers for those in our category. [Note: we already answered this suggestion with a new post: Best business card offers that don’t add to 5/24] […]


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