Credit Card Rules: Which Chase Cards Aren’t 5/24?

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A few weeks ago we talked about what it means when you hear people talking about the “Chase 5/24 Rule”.

In short, the rule prohibits anyone from opening a new rewards-earning Chase credit cards if they have had more than 5 new credit cards opened from any bank in the last 24 months–but just like all rules, this one has some exceptions!

While most Chase travel rewards credit card offerings fall under the 5/24 umbrella, there are a few Chase cards you can apply for that are not subject to this ruling.

Here is a list of travel Chase credit cards that are not subject to 5/24:

Card

 Sign-Up Bonus at time of publication. 

IHG Rewards Club Select

  • 60,000 bonus points after spending $1,000 on purchases within the first three months of account opening

British Airways Visa Signature 

  • Up to 75,000 Avios.  Get 50,000 Avios after you spend $3,000 within 3 months. Ean up to 25,000 additional Avios after meeting additional spending thresholds in the first year.

The Hyatt Credit Card

  • 40,000 Hyatt points after you spend $2,000 on purchases in the first 3 months.

The Ritz-Carlton Rewards Credit Card

  • Two complimentary nights at Tier 1-4 Ritz Carlton’s worldwide when you spend $4,000 in the first 3 months

Marriott Rewards® Premier Business

  • 80,000 Marriott RewardsPoints when you spend $3,000 in the first 3 months

 

Whether you’re the type who likes to apply for new several credit cards a year, or you simply like to keep a couple good cards in your wallet forever, understanding the rules that banks make for credit card applications is smart. It can help you get approved for the cards that you do apply for.

If you want to apply for a card from Chase, it’s worth checking how many cards you’ve applied for in the past months. If you’ve gotten more than 5, you’ll want to wait until you’re out of the 24 month period to make the application—otherwise you’ll be adding a hard credit pull to your credit score for a card you’ll be automatically declined for.

When applying for these cards, you will not be automatically declined if you’ve had more than 5 new cards in the past 24 months, but remember that you will still have to qualify to be approved for the card.  And if you do get approved, this card will count as an approved card in your 5/24 tally for cards that you apply for in the future.