Chase 5/24 rule checker
Count the personal cards you’ve opened in the last 24 months, then see what issuers actually say about who gets a bonus.
What is the Chase 5/24 rule?
Short answer: “5/24” is the widely reported pattern that Chase usually declines a new card application if you have opened five or more personal credit cards, from any bank, in the past 24 months. Chase does not publish it as a policy, so treat it as reported, not official.
What Chase does publish on its card pages is below: it may consider “the number of cards you have opened and closed” when deciding bonus eligibility. Chase can change how it decides at any time.
Does a business card count toward 5/24?
Applicants widely report that most business cards (including Chase’s own) are not added to the count, while authorized-user cards on someone else’s account often are. Neither is confirmed by Chase.
| Card you opened in the last 24 months | Counts toward 5/24? (as reported) |
|---|---|
| Personal credit card from any bank | Yes |
| Authorized user on someone else’s card | Usually yes, reportedly |
| Most business cards (Chase, Amex, Capital One Venture X Business…) | Usually no, reportedly |
| Store cards that are credit cards | Reportedly yes |
| Charge or loan products that aren’t credit cards | Not reported to count |
Reported by applicants; Chase doesn’t confirm any of these. Data checked by Chris Manns · Last updated October 23, 2026
Count your last 24 months
Add the month you opened each personal credit card (any bank). Nothing leaves your browser.
How do I count my cards?
Add the month you opened each personal card in the last 24 months, from any bank. A card drops out of the count about 24 months after you opened it; exact counting methods vary between reports.
Do issuers limit welcome bonuses? What they say on their own pages
Can you get the Sapphire bonus more than once?
“This credit card is unavailable to you if you currently have this card open. The new cardmember bonus may not be available to you if you previously held this card or received a new cardmember bonus for this card. We may also consider the number of cards you have opened and closed in determining your bonus eligibility.”
— Chase Sapphire Preferred® Card, issuer page, checked 2026-10-23
How often can you get a Chase co-brand bonus?
“not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months.”
— United℠ Explorer Card, issuer page, checked 2026-10-23
Do Southwest cards share one bonus limit?
“not available to either (i) current Cardmembers of any Southwest Rapid Rewards® Credit Card, or (ii) previous Cardmembers of any Southwest Rapid Rewards Credit Card who received a new Cardmember bonus within the last 24 months. This does not apply to Cardmembers of the Southwest Rapid Rewards Business Card and Employee Credit Card.”
— Southwest Rapid Rewards® Plus Credit Card, issuer page, checked 2026-10-23
Who can get the Ink Business Preferred bonus?
“The new cardmember bonus may not be available to you if you have ever had this card. We may also consider factors pertinent to your business in determining your bonus eligibility.”
— Ink Business Preferred® Credit Card, issuer page, checked 2026-10-23
Does Amex limit welcome bonuses?
“Welcome offers vary and you may not be eligible for an offer.”
— American Express® Gold Card, issuer page, checked 2026-10-23
Amex now shows several offers as “as high as” and tells you your actual offer after you apply. Our calculator lets you count or ignore those.
How often can you get a Capital One bonus?
“Previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past 48 months.”
— Capital One Venture X Rewards Credit Card, issuer page, checked 2026-10-23
How often can you get a Citi Strata Premier bonus?
“New account bonus offer is not available if you currently have or previously had a Citi Strata Premier® or a Citi Premier® account. You also may not be eligible for the new account bonus offer based on a number of factors, such as your history of opening, closing and using credit cards.”
— Citi Strata Premier® Card, issuer page, checked 2026-10-23
Quotes copied from issuer pages on October 23, 2026. Wording changes; always read the offer details on the application page. Not financial advice.