Most Business Credit Cards DO NOT Count Towards Chase’s “5/24” Rule

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When Chase implemented their “5/25” rule it changed a ton of credit card sign up habits for folks. You now need to be strategic in which cards you apply for from ALL banks so you do not get denied when a really good Chase offer appears. Chase essentially counts up all the cards on your PERSONAL credit report you’ve been approved for in the past 24 months and if that number is 5 or more, they will automatically deny you (99% of the time). Since many business cards are NOT reported to your personal credit card, you can apply for business cards and not worry about it impacting being denied for a Chase card down the line.

So here is a list of business cards that DO NOT impact your Chase “5/24” status:

  • American Express business credit cards
    • The Business Platinum Card
    • The Plum Card
    • The Business Gold Rewards Card
    • SimplyCash Plus Business Credit Card
    • Blue for Business Credit Card
    • Starwood Preferred Guest Business Credit Card
    • Gold Delta Sky Miles Business Credit Card
    • Platinum Delta Sky Miles Business Credit Card
    • Delta Reserve for Business Credit Card
  • Bank of America business credit cards
    • Cash Rewards for Business MasterCard credit card
    • Travel Rewards World MasterCard for Business credit card
    • WorldPoints Rewards for Business Visa credit card
    • Platinum Visa Business credit card
    • The Alaska Airlines Visa Business credit card
  • Barclaycard business credit cards
    • JetBlue Business card
    • Hawaiian Airlines Business MasterCard
  • Chase business credit cards
    • Ink Business Preferred credit card
    • Ink Business Cash credit card
    • Southwest Rapid Rewards Premier Business credit card
    • United MileagePlus Explorer Business card
    • Marriott Rewards Premier Business credit card
  • Citi business credit cards
    • AAdvantage Platinum Select World Mastercard
    • Costco Anywhere Visa Business Card
  • U.S. Bank business credit cards
    • FlexPerks Business Edge Travel Rewards Card
    • Club Carlson Business Rewards Visa Card
    • SKYPASS Visa Business Card
    • Business Edge Cash Rewards Card
    • FlexPerks Business Edge Travel Rewards Card
    • Business Edge Select Rewards Card
    • Business Edge Platinum Card
    • Ace Rewards Visa Business Card
  • Wells Fargo business credit cards
    • Wells Fargo Business Platinum Credit Card
    • Wells Fargo Business Secured Credit Card
    • Wells Fargo Business Elite Card

**Capital One and Discover business cards ARE reported on your personal credit report, so they WILL count towards your “5/24” status.


So if you are trying to stay within Chase’s 5/24 rule, know that the above cards will be okay to apply for! Although, this can change at anytime, as of right now, you are good to go! This might help you decide on which credit card to apply for if there is both a personal and business version of a particular card with a similar sign up offer, benefits, and annual fee. For example, if you want to apply for the Gold Delta credit card, you might select the business version of the card over the personal version simply so it allows you to apply for more Chase cards in the future! You can check out all partner credit cards here.

The responses below 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.


  1. I got a JetBlue Business card in December 2016 with Barclaycard and it hasn’t shown on my personal credit report. Just as a data point, my card’s business TIN is under my business TIN (versus a business TIN as my personal SSN). I’m not sure if someone uses their personal SSN as their business TIN if it will show on their personal credit report with Barclaycard, but for me, using an actual business TIN, it hasn’t shown up on my personal credit report with Barclaycard. They have my personal SSN from when I signed up, but nothing, except a hard inquiry, shows on my personal credit report. Hope that info helps.

  2. The Chase business cards don’t show up on your personal credit report (I have one), but Chase still knows you have them and they will count toward 5/24.

    • @Christopher – From personal experience, including the experience of friends and family members, as well as numerous reports I’ve read, Chase business cards do not count towards 5/24.

  3. Business cards are the way to go if you are trying to get under 5/24 like I am. I still have a ways to go though! Haven’t applied for any cards since August 2016 because I’m refinancing rental properties. Hoping to get back into the game in the fall.

  4. Not many ppl care but I like BofA Spirit card…pretty sure the business version of the card does not count towards 5/24. 15K (3 round-trip fights) to caribbean from chicago is good w me.

  5. I thought it was just 5 chase cards in 24 months? What if I have 4 chase cards and a capital one card. Can I get another chase sw card?

    • No, it’s 5 of *any* card in 24 months. Doesn’t matter the bank. Obviously, some cards don’t count toward that limit — that’s the point of this post.

    • @nellcat – hmmm… that is a great question. Quite honestly I am not sure and not sure there are enough data points to say whether or not it does.

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