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You’ve all probably heard of Chase’s “5/24” rule. Essentially, Chase counts up all of the cards on your personal credit card report you’ve been approved for in the past 24 months, and if that number is 5 or more, they will automatically deny you. While most Chase cards fall within this rule, there are a few that do not. And remember, Chase and American Express business cards do NOT count against the magic 5 number!
Which Chase cards DO NOT fall within the 5/24 rule?
- Chase British Airways Visa Signature Card – Learn more
- Chase Disney Premier Visa Card – Learn more
- Chase Hyatt Credit Card – Learn more
- Chase IHG Rewards Club Select Credit Card – Learn more
- Chase Marriott Rewards Premier Business Credit Card – Learn more
- Chase Ritz-Carlton Rewards Credit Card – Learn more
- Chase Iberia Plus Visa Credit Card – Learn more
- Chase Amazon Prime Rewards Visa Signature – Learn more
- Chase AARP Credit Card – Learn more
This means, for the handful of cards listed above, even if you are way past 5 credit card approvals in the past two years, you can still get approved (as long as you are eligible)! There is no known rule why these cards are exempt from the rule, but for now it definitely helps if you are looking for a new card/sign up bonus and are blackballed from some other Chase cards. The above cards also carry some great sign up offers and benefits, although none of them will help you earn Chase Ultimate rewards points. For example, the British Airways card is offering a 75,000 point offer (although requires a decent amount of minimum spend). The Hyatt credit card is offering their standard 40,000 points. And while the IHG credit card is not offering as high of a sign up bonus as they have in the past, you’ll receive a free night annually (valid at ANY IHG property), so getting this card sooner then later is always suggested! There is also a brand new Iberia Avios credit card with a ver high sign up bonus!
Now, do keep in mind though, once you apply for the above offer (except the Marriott business card), that approval will count towards your “5/24” status. So even though they are exempt from the rule, they still count towards the rule. The reason why the Marriott business card is exempt is because most business credit cards are not listed on your personal credit report and only cards listed on your personal report are counted. You can see an entire list of all business credit cards that will not count towards the rule.