What is Chase's 5/24 rule?

Chase will usually decline you for a new card if you have opened 5 or more personal credit cards, with any bank, in the last 24 months. It counts personal cards from every issuer, not only Chase. Most business cards don't count toward the 5, because they don't appear on your personal credit report. A few issuers' business cards do report, and those count. Cards where you are an authorized user usually count, though applicants report Chase will sometimes set them aside on a call. It applies to Chase's business cards too: you need to be under 5/24 to be approved for one, even though it won't count once you have it. Chase has never published the rule. It is consistent enough across applicant reports to plan around.

Chase · Approval

Chase 5/24 rule

Chase will usually decline you for a new card if you have opened 5 or more personal credit cards, with any bank, in the last 24 months.

Applies to: Almost every Chase card, personal and business
Where it comes from: Reported by applicants; The issuer has never stated this. It is a pattern many applicants have reported, consistent enough to plan around, but not a guarantee.
Last verified: September 26, 2026

How it works

It counts personal cards from every issuer, not only Chase.
Most business cards don't count toward the 5, because they don't appear on your personal credit report. A few issuers' business cards do report, and those count.
Cards where you are an authorized user usually count, though applicants report Chase will sometimes set them aside on a call.
It applies to Chase's business cards too: you need to be under 5/24 to be approved for one, even though it won't count once you have it.
Chase has never published the rule. It is consistent enough across applicant reports to plan around.

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