Know your 5/24 status at a glance. Track when slots open up. Plan your Chase applications strategically.
Track Your 5/24 Free →The 5/24 rule is Chase's policy that affects whether you can get approved for their credit cards.
Chase will automatically deny your credit card application if you've opened 5 or more personal credit cards (from any issuer) in the past 24 months.
This applies to most Chase cards including Sapphire Preferred, Sapphire Reserve, Freedom, United, Southwest, Marriott, and others.
Why it matters: Chase cards have some of the best sign-up bonuses. If you're over 5/24, you're locked out until cards fall off.
Our tracker automatically calculates your 5/24 status based on the cards you add.
Add your cards with open dates. We calculate your current 5/24 count automatically.
See exactly when each card falls off your 5/24 count. Plan applications strategically.
Track 5/24 separately for P1 and P2. See each person's status independently.
Mark cards as business. They won't count toward 5/24 (except those that should).
Exactly 24 months after the account open date. If you opened a card January 15, 2024, it falls off January 15, 2026. Some data points suggest it may fall off at the beginning of the 25th month.
Yes! Chase business cards (Ink Preferred, Ink Cash, Ink Unlimited) are generally not subject to 5/24 themselves, though being way over 5/24 might still affect approval odds.
Technically yes, but you can often call Chase recon and ask to have AU cards excluded from your count. Success varies.
You're at the limit. Most reports say you'll be denied. Wait for one card to fall off before applying.
Free forever. Know exactly where you stand with Chase.
Get Started Free →