The 5 Personal Chase Cards Not Subjected To The 5/24 Rule (2018 Edition)

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In 2016 Chase expanded what’s commonly referred to as the “5/24 rule.” I’ve received quite a few requests from readers asking for an updated list of which cards aren’t subjected to this rule (especially since a new one was just introduced a couple of weeks ago), so that’s what this post is about.

What’s the 5/24 rule?

With Chase’s 5/24 policy, you typically won’t be approved for a card if you’ve opened five or more new accounts in the past 24 months. This is more of a general guideline than a strict rule, though. 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 is what this post is about)
  • This is mostly anecdotal, since Chase doesn’t officially publish this restriction for most cards

How can you check your 5/24 status?

There are a few different ways to check your Chase 5/24 status, and one of those ways is to use Credit Karma. See this post for a step-by-step of how to check your current standing.

How do Chase credit card approvals work in general?

There’s no set limit to how many Chase cards you can have. 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.

As far as the number of cards you can apply for in a certain period goes, there doesn’t seem to be a consistently applied limit. Some report not being able to apply for more than two cards in a 30 day period, while others suggest you can be approved for at most one personal and one business card in a 90 day period.

The 5 personal Chase travel cards not subjected to the 5/24 rule

With that in mind, here are the five personal Chase travel credit cards that you can anecdotally be approved for even if you’ve opened five or more accounts in the past 24 months:

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, including hotels like the Park Hyatt SydneyPark Hyatt Maldives, etc.

Redeem your points at the Park Hyatt Maldives

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 4PM check-out, upgrades to the best available non-suites, and four club lounge passes per year.

Use your club lounge passes at the Grand Hyatt Hong Kong

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, and you can even redeem them at Kimpton’s great hotels around the US.

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.

Redeem your annual free night certificate at the InterContinental Hong Kong

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).

Use your Travel Together voucher for British Airways first class

Iberia 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

This is a brand new credit card, and nicely complements the card that’s issued by British Airways. In addition to the unique features available directly through the Iberia Plus program, you can also transfer your Avios directly to the British Airways Executive Club program, assuming both accounts have been open for 90 days.

The card offers some additional unique features, including 10% off Iberia flights when paying with the card, and a $1,000 Iberia discount voucher every calendar year when you spend $30,000 on the card in that period.

Redeem your Avios for travel in Iberia business class

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.

There are so many great properties at which you can redeem those Ritz-Carlton complimentary nights.

Redeem your two nights for a weekend getaway to the Ritz-Carlton Laguna Niguel

Bottom line

The above are the five 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 think almost everyone would benefit from having the IHG® Rewards Club Select Credit Card and The Hyatt Credit Card, given that they offer an annual free night certificate valid at many great properties, which more than justifies the annual fee, in my opinion. Not only do they have valuable sign-up bonuses, but they’re worth holding into long term.

Both the British Airways Visa Signature® Card and Iberia Visa Signature® Card are great for accruing Avios, and can potentially be combined to earn up to 150,000 Avios.

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  1. Funny that you say “There are so many great properties at which you can redeem those Ritz-Carlton complimentary nights.” and then right below it post a picture of the Ritz-Carlton Laguna Niguel, which you HATED.

  2. @HT Ink and United Business cards do. Marriott Business does not. Don’t know about others.

    I think the title would be better if it specified Chase Personal *Travel* cards. They have at least one other worthwhile non-5/24 rewards card, the Amazon Prime card. (And I assume non-rewards cards like Slate are also non-5/24.)

  3. @HT whoops I saw you said “counts towards” rather than “exempt from”. All Chase biz cards don’t appear to count towards 5/24. And you can still get a Marriott Business even if you are over.

  4. I think you should point out to your readers that in the past two months when chase is seeing a number of apps they are shutting down ALL of the individual’s chase cards. If someone is already over 5/24 then there is a real risk they could trigger AA by Chase. People should really know its a risk as there are more datapoints about Chase being more aggressive about this stuff recently.

  5. HI,
    Sorry, if I am missing something obvious.

    I understand that the British Avios card and the Southwest business card not count towards the 5/24 correct?


  6. @ smith — You can be approved for the British Airways Card if you’re over the 5/24 limit, but not the Southwest Card.

  7. @ smith — Any card that reports to your credit “counts towards” 5/24 (so all personal cards, some business cards depending on issuer). As Lucky mentions in the post above, there are some cards that aren’t “subject to” 5/24, meaning you can still potentially get approved for them if you’re over that limit. More on the difference between counts towards vs. subject to here:

  8. So if you are over 5/24 or at 5/24 and you get the Ritz Carlton card which comes with automatic gold elite status that will then morph into the new platinum status in August? Is that right?

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