Chase 5/24 Rule Tracker
Chase will deny your application if you've opened 5+ cards in 24 months — from any issuer. Enter your recent card openings below to see your current 5/24 count and exactly when your next slot opens up.
Why this matters
Chase cards — Sapphire Preferred, Sapphire Reserve, Freedom Flex, United, Southwest, Marriott, Hyatt, and more — are some of the most valuable rewards cards available. But if you're over 5/24, you're locked out. Planning your applications around this rule is the foundation of any serious rewards strategy.
Frequently Asked Questions
What is the Chase 5/24 rule?
The Chase 5/24 rule is an unofficial but well-documented policy: Chase will automatically deny your application for most Chase credit cards if you've opened 5 or more personal credit cards (from any issuer) in the past 24 months.
Which cards count toward 5/24?
Most personal credit cards from any issuer count. Cards that typically do NOT count include: most business credit cards (except Capital One and Discover business cards), authorized user accounts, and store charge accounts that don't report to bureaus.
Which Chase cards are subject to 5/24?
Nearly all Chase personal cards: Sapphire Preferred, Sapphire Reserve, Freedom Flex, Freedom Unlimited, United, Southwest, Marriott Bonvoy, Amazon Prime Visa, and IHG cards. A few co-branded cards have historically been exceptions.
How do I check my 5/24 status?
Count the number of new credit card accounts opened in the last 24 months on your credit reports. Our tracker lets you enter card opening dates and automatically calculates your count, plus shows when each card falls off the 24-month window.
What's the best strategy for getting under 5/24?
Wait for cards to age past 24 months. During this time, focus on cards not subject to 5/24 (like Amex). Once under 5/24, prioritize Chase cards first since they're the only issuer with this strict rule. Many enthusiasts follow a 'Chase first' strategy.