The Four Chase Personal Travel Cards You Can Get If You’re “Over” 5/24

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As many of you are aware, Chase has what’s referred to as the 5/24 rule, where you can’t be approved for many of their cards if you’ve opened five or more new card accounts in the past 24 months. Nowadays this rule applies to a majority of Chase cards, including the Chase Sapphire Preferred® Card Chase Sapphire Reserve® Card, and Ink Business Preferred℠ Credit Card.

Readers often ask me which cards aren’t subjected to this rule, so in this post I wanted to recap the four personal cards that you can get if you’ve exceeded the 5/24 limit, including the current sign-up bonuses, value propositions of the cards, etc.

Chase’s 5/24 policy

With Chase’s 5/24 policy, you typically won’t be approved for a card if you’ve opened five or more new card accounts in the past 24 months. Here’s what you should know about 5/24:

  • A vast majority of new credit card accounts will count towards that limit, meaning that opening five or more cards in 24 months will make you ineligible for certain Chase cards
  • One exception is most non-Chase business cards, like The Business Platinum® Card from American Express OPENThe Business Gold Rewards Card from American Express OPENThe Blue Business℠ Plus Credit Card from American Express, etc., don’t count towards this limit
  • There are people who report not having any issues being approved for a card even though they surpassed the 5/24 rule, so it’s not consistently enforced
  • The 5/24 rule doesn’t apply to all Chase cards, meaning that there are some Chase cards you can still easily be approved for if you’ve opened five or more card accounts in the past 24 months, which I’ll be taking about below.
  • This is mostly anecdotal, since Chase doesn’t officially publish this restriction for most cards

How many Chase credit cards can you have?

There’s no set limit to how many Chase cards you can have. I have seven right now, though I know people who have more than that. With Chase the limiting factor is typically the total amount of credit they’re willing to extend you. This means that if you apply for a new card and are maxed out in terms of the credit Chase is willing to issue you, you may be asked to switch credit lines around.

The 4 Chase personal travel cards you can get if “over” 5/24

Below are the four personal Chase travel credit cards that you can be approved for even if you’ve opened five or more new card accounts in the past 24 months. In the case of the terms of the welcome bonus, you can earn the bonus on a given card as long as you don’t have the card right now, and haven’t received a new cardmember bonus on the card in the past 24 months.

In no particular order, here are the four cards:

The Hyatt Credit Card

Sign-up bonus: 40,000 World of Hyatt bonus points after spending $2,000 within the first three months, plus 5,000 bonus points after adding an authorized user and having them make a purchase within that same time period
Annual fee: $75

This card offers 40,000+ points that can be redeemed at lots of great Hyatt properties. In the past the sign-up bonus was just for two free nights at any property rather than 40,000 points, so the new bonus gives you a lot more flexibility. On top of that, the card offers a complimentary annual free night certificate valid at any Category 1-4 property, which for most people should more than offset the annual fee.

The card also offers World of Hyatt Discoverist status, which gets you 2PM late check-out, preferred rooms, bonus points, and more. Lastly, if you spend $50,000 on the card in a calendar year you’ll receive Explorist status, which gets you upgrades to the best available non-suites and four club lounge passes per year.


I redeemed my anniversary free night certificate at the Park Hyatt Saigon last year

IHG® Rewards Club Select Credit Card

Sign-up bonus: Earn 60,000 bonus points after you spend $1,000 on purchases within three months
Annual fee: $0 introductory annual fee the first year, then $49

The single biggest benefit of this card is that it offers an annual free night certificate at any IHG property in the world on your account anniversary. That’s incredible, given that this is also the hotel credit card that has among the lowest annual fees. There are no category restrictions on the free nights, so you can redeem the points at a hotel that would cost 70,000 points per night.

Furthermore, the card offers IHG Rewards Club Platinum status for as long as you have the card, plus a 10% refund when you redeem points, for a total of up to 100,000 refunded points per year.


I redeemed my anniversary free night certificate at the InterContinental Geneva a couple of weeks ago

British Airways Visa Signature® Card

Sign-up bonus: Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening. Earn an additional 25,000 bonus Avios after you spend $10,000 total on purchases within your first year of account opening for a total of 75,000 bonus Avios.
Annual fee: $95

Avios are incredibly useful for shorthaul travel, given their distance based award chart. Avios can efficiently be redeemed for travel on Alaska and American on domestic flights.

On top of that, the card offers a Travel Together ticket when you spend $30,000 on the card per year. With this voucher you can have a companion fly with you on a British Airways award ticket, and they just have to pay the carrier imposed surcharges and fees, and not the actual Avios (though those fees can be high).


Redeem British Airways Avios on LATAM

The Ritz-Carlton Rewards® Credit Card

Sign-up bonus: Earn 2 complimentary nights at any participating Tier 1-4 Ritz-Carlton hotel after spending $4,000 on purchases within three months, plus 10,000 bonus points after adding an authorized user and having them make a purchase within that same time period
Annual fee: $450

This card has a high annual fee though offers a $300 annual travel creditRitz-Carlton Gold status (which is also valuable at Marriott properties), a $100 domestic companion airfare benefitthree Ritz-Carlton club upgrades per year, etc.


You can redeem these free night certificates at the Ritz-Carlton Laguna Niguel

Bottom line

The above are the four Chase personal travel cards that you’re potentially eligible for if you’ve opened five or more new card accounts in the past 24 months.

These are all fantastic cards. Personally I have The Hyatt Credit CardIHG® Rewards Club Select Credit Card, and British Airways Visa Signature® Card. I love the Hyatt and IHG Cards for the annual free night certificates they offer, and I just picked up the British Airways Card last year. The reason I don’t have the Ritz-Carlton Card is because you can only be a member of Marriott Rewards or Ritz-Carlton Rewards, and I’m a member of Marriott Rewards.

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Comments

  1. How badly does opening a new credit card ding your credit score? Just curious as there are a few credit cards I’m interested in applying for but don’t want my credit score to get hit. Any insight would be nice

  2. BTW, if you’d like to know for sure how many credit card accounts CHASE, rather than you or a service like Credit Karma, thinks you’ve opened in the last 24 months, you can get the info directly from your Chase account.

    At the bottom of the left hand frame where all the accounts are listed, find an item that says
    “Free credit score” [for me it is just below the link that takes me to Ultimate Rewards], and then click the link below it that says “Free score, updated weekly”.

    Clicking that link will let you register to access a service called Credit Journey(TM) that provides all kinds of info about your credit and its history, among which is this item:

    — Opened Accounts (Last 2 years): X

    For me ‘X’ is just 2, meaning that I still have quite a ways to go before I reach 5/24 😉

  3. I have or have had in the past 2 years all of those. So just needing a lil more time for it to reset and start the whole process over.
    I am not sure I understand your comment on the Ritz card that you can only be a Ritz member or Marriott member. I got the Ritz in early 2017 and used it for the free nights in Osaka. It showed up in my Marriott account until I used it. I still have executive upgrades to paid nights that show up in my Marriott account for Ritz Carlton’s right now.

  4. I also don’t understand the comment about the Ritz card. It makes no difference as a cardholder if you are a Ritz rewards member or Marriott member as far as I can tell (I also had the card and am Marriott Rewards Platinum).

  5. Like the others, I am also confused by your comment about the Ritz Visa. I held the Marriott Visa and Ritz Visa at the same time. I opened the Ritz card when it was still 3 free nights after minimum spend and the free nights and authorized user bonus points showed up in my Marriott account.

  6. This is superb information. I always get so much out of your blog.

    May I ask what a strategy for churning these cards would be? I have had most of these cards for several years and have wondered whether I should cancel and then reapply to get another bonus.

  7. Bless You !!!! I got the Citi p card because I ran out of FREE nites then just got the Marriot card perfect 4 Me..I will Look into Hyatt with ur link IF I want it ..
    Thanks
    CHEERs

  8. I just got the Chase Marriott Rewards Premier Business card and I’m way over 5/24 so I guess the business card is not part of 5/24. Question what other Chase business cards are not part of 5/24?

  9. @Johanna. Its been reported that the Marriott business visa is exempt from 5/24, but maybe it changed recently. If you got the personal visa I think you might have been lucky.

  10. There’s 5/24 and then there’s all this talk on the blogs about Chase shutting down accounts with new applications. Lucky, any of your insight on that would be appreciated. Thanks

  11. @DCS Any idea why Chase shows me at 8/24 when TransUnion, who Chase gets their info from, shows me at 7/24? 3 will be falling off next month, which SHOULD put me at 4/24….. Equifax and Experian also show me at 7/24. I was hoping to apply for the CSR in March, but don’t know now. Guess I’ll have to check my Chase account before doing so.

  12. @Ed – It is likely a lag in updating the two entries. Unfortunately, for the purpose of evaluation for CC approval, it’s the number that Chase has at the time the application is evaluated that matters.

  13. @ Ben — Pleas stop telling people this. Chase will still deny you for these cards for the same basic reason. They might approve you at 6/24 or 7/24, but if you are 10/24 or 12/24 they will still deny you for too many new accounts. You are encouraging people to further screw up their hard pull count by applying for cards they have no chance of getting. Please stop!

  14. @DCS You’re probably correct. After checking TransUnion again, I see one account that was opened 26 months ago although it is now closed. Hopefully Chase will update soon, but that leads me to wonder how soon after the other 3 drop off will Chase be updated.

    Regardless, thanks for pointing out how to check the Chase website. I hadn’t seen that information relayed anywhere else and I appreciate it.

  15. Don’t rely on Chase Credit Journey to ascertain how many cards you have opened in 24 months. My son was just denied a United card for having opened 5 cards in 2 yrs (we knew that) but Credit Journey said 2, so he thought it was worth a try. Recon line agent cited the 5 cards and could not explain the discrepancy. You need to keep records yourself as to what cards you open and when.

  16. Hawaiian Joe, each new credit card will increase the number of inquiry in your account and reduces the average age of your account. If you have a solid base meaning that you have had many credit cards that aged properly, opening one or two credit cards may not hit your score that much. But if you only have one or two credit cards, opening a new one will reduce the age of your account and consequently drops your score. My suggestion to you is not to open several new line of credit at once; just open one and see how your credit score would behave. If you are to take a loan in a near future, avoid opening any line of credit.
    BTW I am not professional. These are just my personal opinion. So you should take professional advice.

  17. @DSC – you are so right. Again, Chase comes up big here. Nobody makes it easier other than Chase. Forget Credit Karma when it comes to this. Chase gives you the info instantaneously. All you have to do is enroll and its right there.

  18. Please stop shilling the Ritz club upgrades with their Visa card. It’s only available with Ritz-booked rack-rates.

    Ain’t nobody buying those voluntarily. I’ve used 0/6 in the last 2 years.

  19. @Carol — Thank you for that info. One would think that Chase would live up to the claim of weekly updates! At least now one knows to check both because one would be able to challenge the opposite, where a denial could be based on a higher and outdated number of accounts opened info in Chase’s Credit Journey(TM).

  20. Agree that the comment about not having both Marriott and Ritz Carlton credit cards is totally wrong. You can only be a member of one program, but both Marriott and Ritz Carlton credit cards will credit to that one program. I chose Marriott but no issue using my free Ritz Carlton nights from credit card signup and no issue using upgrade to Club Level certificates at Ritz Carlton.

    As least to me, Lucky is pretty much spot on, but that is a big OOPS. Not sure why since this is very much settled information.

  21. @DCS – Just thought I’d update. Chase Credit Journey finally updated today to reflect what TransUnion shows. The card that was opened 27 months ago is no longer counted which indicates to me that, in my case anyway, Chase Credit Journey lags a couple of months behind TransUnion. As I will be under 5/24 in March, it looks like I may not be under 5/24 until May on Credit Journey.

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