Those of us in the miles and points world likely know about the Chase 5/24 rule, which states that customers who have applied for 5 or more credit cards within the past 24 months (from ANY bank) will not be approved for most Chase cards. Chase representatives sometimes play coy with the fact that this rule even exists, but data points that I have seen are pretty clear. If you’re over 5/24, there are a few ways of overturning 5/24, but those mostly involve if some of your 5 cards are authorized user cards.
Chase cards not subject to 5/24
While most of the Chase cards ARE subject to 5/24 (meaning you’ll be denied if you have more than 5 cards), we’ve written before about the 2 types of cards that are subject to 5/24.
- Chase AARP
- Chase Amazon
- Chase British Airways
- Chase Disney
- Chase Hyatt (both the old and the new card)
- Chase IHG (all 3 varieties – Select, Premier, Traveler)
- Chase Marriott Premier business card
- Chase Ritz-Carlton
You can find details and more information on these cards over on our top credit card offers page
Chase expanding 5/24?
This is all rumor and speculation at this point, but Gary from View from the Wing had a meeting with executives from Chase and Hyatt referencing the new World of Hyatt credit card that recently came out. As part of that meeting, he asked Leslie Gillin, who is Chase’s President of co-branded cards whether the new Hyatt card would be subject to the Chase 5/24 rule. She said that it was not at this point but that we could expect it to be subject to 5/24 eventually, and she even went so far as to say that all cards would likely be subject to 5/24 eventually
I’ve often wondered why it is that some Chase cards are subject to 5/24 while some are not. I can only imagine that it relates to the different agreements that Chase has with their co-branded partners. So it sounds like Chase 5/24 is the current preference for Chase for ALL their cards and that, if the economic situation stays relatively similar, as these co-branded relationships are renegotiated, that more and more Chase cards will fall subject to the Chase 5/24 rule.
This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as thepointsguy.com. This may impact how and where links appear on this site. Responses are not provided or commissioned by the bank advertiser. Some or all of the card offers that appear on the website are from advertisers and that compensation may impact on how and where card products appear on the site. Any opinions expressed in this post are my own, and have not been reviewed, approved, or endorsed by my advertising partners and I do not include all card companies, or all available card offers. Terms apply to American Express benefits and offers and other offers and benefits listed on this page. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Other links on this page may also pay me a commission - as always, thanks for your support if you use them
User Generated Content Disclosure: Points With a Crew encourages constructive discussions, comments, and questions. Responses are not provided by or commissioned by any bank advertisers. These responses have not been reviewed, approved, or endorsed by the bank advertiser. It is not the responsibility of the bank advertiser to respond to comments.
Dan Miller travels with his wife and 6 (SIX!) children. He loves to help families travel for free / cheap, especially larger families. If you are looking for help, drop him an email at 
Aer Lingus and Iberia are also not subject to 5/24
“we’ve written before about the 2 types of cards that are subject to 5/24.”
Shouldn’t that be “AREN’T subject to 5/24?” 🙂
#EditorHat