Chase Cards You Can Get If Over 5/24

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Update 12/6/18: The Chase 5/24 rule now applies to the cards listed below as well.

The general rule of thumb concerning Chase cards is that you won’t be approved for them once you’ve opened five credit cards from ANY bank in the last 24 months. This is what people refer to as the 5/24 rule.

If you haven’t hit 5/24 yet, stop reading this post and read The Five Chase Cards You Should Apply For instead.

But there are actually some Chase cards that typically aren’t subject to the 5/24 rule. Data points from people like you collected on sources like Doctor of Credit, Reddit, and Flyertalk report that they have been approved for all the following cards despite having opened five or more credit cards in the last 24 months.

• Marriott Rewards Premier Business Card (soon to be Marriott Rewards Premier Plus Business Card as of August 26)
• World of Hyatt Visa
• British Airways Visa Signature Card
• Iberia Visa Signature Card
• IHG® Rewards Club Premier Credit Card

It is worth mentioning that Chase’s president of co-branded credit cards, Leslie Gillin, was quoted in late June ’18 saying that Chase plans on rolling out the 5/24 rule to all of their credit cards eventually. So if you’re in the LOL/24 camp (i.e. you’ve opened well over five credit cards in the last 24 months), and any of the card packages below appeal to you, then take that statement into consideration.

I don’t earn commissions from new sign-ups on all of those cards, but from some I do. Credit card links have been removed from posts and added to the menu bar at the top of every page of MileValue under the heading Top Credit Cards.

Before I tell you a little bit about each of these Chase cards, I’d like to go over a couple FAQ that I get through our Free Credit Card Consultation Service that will help clarify how to count how many cards you’ve opened in the last 24 months for the purposes of the 5/24 rule. It may not be as transparent as you think it is.  

5/24 FAQ

Q: Which credit cards count towards my 5/24 limit?

A: All personal credit cards from all banks. Most business credit cards don’t count. To be 100% clear, while you are still eligible for all the cards described in this post even if your count is 5/24 or higher, the personal cards at least will count towards your 5/24 limit. The Marriott Rewards Business Card most likely will not. So if you’re trying to get back under 5/24 for the purpose of applying for a card like the Sapphire Preferred or Ink Business Preferred (which the 5/24 rule does applies to), then do not open any of the personal credit cards mentioned in this post…nor any other personal credit card.

Q: My husband is an authorized user on my Chase Sapphire Preferred card. Does that count towards his 5/24 limit?

A: Yes. If he wants to apply for a Chase card and is close to his 5/24 limit, I recommend removing him as an authorized user first. This is from the Flyertalk wiki on Applying for Chase Credit Cards, 2017 onward:

“The 24-month count includes personal cards opened at other banks, and even cards on which the applicant is only an authorized user and not the primary cardholder. Chase has been extremely inflexible with this policy, with agents stating that there is nothing they can do to circumvent this restriction. However, in some cases Chase may reconsider a denial if the applicant has <5 new cards excluding cards on which s/he is an authorized user. You may need to escalate to the next level of customer service agent, as many front-line agents seem to be unable or unwilling to remove the authorized user accounts from the count.”

Q: I haven’t kept detailed records of what cards I’ve opened over the years. How can I check my 5/24 count/what cards I’ve opened in general?

A: Creditkarma.com is an easy and free resource for checking your 5/24 count. If you don’t already have an account, create one here, and once you login click on the Credit box listed below your estimated credit scores.

Then click the Credit Age box on the following page. You will be shown a list of open accounts and how old they are. Count the number of accounts that are younger than two years. Note that this list will only show open accounts, so if you’ve opened and then closed any credit cards in the last two years, those accounts will not show up on this list.

Go back to the original page displayed after logging in, and instead of clicking Credit, click Accounts.

Scroll down, click the “Show Closed (x)” link below your list of open accounts. An additional list will pop up, and clicking on an individual account will show you when you opened it. Count the ones you opened within the last two years and add them into your total.

The Chase Cards You Can Get If Over 5/24

Marriott Rewards Premier Business Card

Quick Facts

• Sign-up Bonus: 75,000 points for spending $3,000 within three months of opening the card
• Elite Status: Complimentary Silver Status, upgrade to Gold Status when you spend $50,000 on purchases each account year; 1 Elite Night Credit for every $3k in purchases
• Automatic Retention Bonus: Free night at any Marriott category 1 – 5 property after keeping your card open another year/paying another annual fee
• Category Bonuses: 5x at Marriott/Ritz and SPG hotels; 2x with airlines, at car rental agencies, restaurants, office supply stores, and for internet, cable and phone services purchases
• Global Acceptance: Visa, chip technology, and no foreign transaction fees
• Annual Fee: $99, waived the first year

Marriott/Ritz and SPG are merging August 18. Existing cardholders will be product changed to the new version of this card, which will be called the Marriott Rewards Premier Plus Business Card, debuting August 26. It will also be available to new applicants. Here’s what the updated benefits package will look like:

• Sign-up Bonus: 75,000 points for spending $3,000 within three months of opening the card
• Elite Status: Complimentary Silver Status, upgrade to Gold Status when you spend $35,000 on purchases each account year; starting 2019: 15 Elite Night Credits at the beginning of every calendar year
• Automatic Retention Bonus: Free night at any Marriott property that costs up to 35k points a night after keeping your card open another year/paying another annual fee
• Category Bonuses: 6x at Marriott/Ritz and SPG hotels, 4x at restaurants, gas stations, and on shipping, internet, cable, and phone services, and 2x on all other purchases.
• Global Acceptance: Visa, chip technology, and no foreign transaction fees
• Annual Fee: $99, waived the first year

Marriott points are not only useful for booking free nights at hotels. You can also transfer them to airline miles of almost any type. You’ll earn at least 78,000 Marriott points for meeting the spending requirement for the bonus, which translates to 31,000 of almost any airline mile (5k mile bonus for every 50k point increment you transfer) as the new Marriott program (as of August 18) will partner with pretty much every major airline loyalty program.

BEWARE that opening the Chase Marriott Rewards Premier [Plus] Business Card will have an impact on your eligibility for other Marriott-family credit cards, and not just those issued by Chase but also those issued by Amex. Read more in Eligibility Rules for New Marriott & SPG Cards Hit Aug 26.

World of Hyatt Visa

The new World of Hyatt Visa is the recently updated (and improved) version of the old Hyatt Visa. This one’s got a higher bonus, higher earning rates, and more opportunities for benefits with further use of the card.

• Sign-up Bonus: 40,000 points for spending $3,000 within three months of opening the card, and an additional 20,000 points for spending a total of $6,000 within six months of opening the card.
• Value of Hyatt points: Reward nights start at 5,000 points (Category 1) a night up to 30,000 points a night (Category 7)
• Elite Status: Automatic Discoverist Status; 5 qualifying nights towards status each calendar year, and 2 qualifying nights for every $5,000 in spend
• Automatic Retention Bonus: Free night at any Category 1 – 4 Hyatt property after keeping your card open another year/paying another annual fee
• Annual Spending Bonus: Another free night at any Category 1 – 4 Hyatt after spending $15,000 within a cardmember (not calendar) year
• Category Bonuses: 4x at Hyatt hotels, 2x at restaurants, on airline tickets purchased directly with airlines, local transit and commuting (including rideshare services), and on fitness clubs/gym memberships
• Global Acceptance: Visa, chip technology, and no foreign transaction fees
• Annual Fee: $95

British Airways Visa Signature Card

This card pretty consistently makes our Top 10 Travel Card List each month.

British Airways Avios are perfect for short, direct, economy flights on British Airways partners that do not levy fuel surcharges like these airlines. For instance, the west coast to Hawaii on American Airlines or Alaska Airlines flights for 12,500 Avios or only 4,500 Avios between Cuzco and Lima, Peru are two of the sweet spots. Read more about how to maximize BA Avios here.

Quick Facts

• Sign Up Bonus: 50,000 British Airways Avios after $3,000 in spending in the first three months. If you spend $10,000 on the card within the first year of card membership, you’ll earn an additional 25,000 bonus Avios, for a total of 75,000 Avios. And if you can hit $20k in the first year, you’ll earn an additional 25k bonus for a total of 100,000 bonus Avios.
• Higher Tier Spending Bonus: Every calendar year you spend $30k on the card, you earn a Travel Together Ticket valid for two years
• Category Bonuses: 3x on British Airways purchases
• Global Acceptance: Visa, chip technology, and no foreign transaction fees
• Annual Fee: $95, not waived the first year

Iberia Avios Visa Signature Card

Iberia Avios are great for redemption on Off-Peak Iberia Business Class awards to Madrid from the US (34k one way from Chicago, New York, or Boston to Madrid, 42.5k one way from Miami), and domestic awards on American American Airlines (instead of pricing per segment like BA Avios awards, Iberia partner awards are priced by the cumulative distance, so connections don’t necessarily jack up the price).

You can also transfer Iberia Avios to British Airways Avios, or vice versa, if you’d rather redeem through the other program (which is separate). Be aware that…

• …your Iberia account must be at least 90 days old to transfer its points freely to British Airways.
• …your British Airways account must had at least 1 Avios in it at some point. (You could always make a Membership Rewards or Ultimate Rewards to Avios transfer to get those points.)
• …your name, email address, and date of birth must match exactly between British Airways and Iberia accounts.

Quick Facts

• Sign Up Bonus: 50,000 Iberia Avios after $3,000 in spending in the first three months. If you spend $10,000 on the card within the first year of card membership, you’ll earn an additional 25,000 bonus Avios, for a total of 75,000 Avios. And if you can hit $20k in the first year, you’ll earn an additional 25k bonus for a total of 100,000 bonus Avios.
• Higher Tier Spending Bonus: Every calendar year you spend $30k on the card, you earn a $1,000 voucher towards two tickets on the same flight
• Category Bonuses: 3x on Iberia purchases
• Global Acceptance: Visa, chip technology, and no foreign transaction fees
• Annual Fee: $95, not waived the first year

If you raked in a bunch of Iberia Avios from the crazy promotion that happened not too long ago, the Iberia or the British Airways Card could be a nice compliment to your Avios balance.

IHG® Rewards Club Premier Credit Card

IHG Rewards Club is the loyalty program for InterContinental, Crowne Plaza, Hotel Indigo, Kimpton, HUALUXE, Holiday Inn, Holiday Inn Express, Candlewood Suites, and Staybridge Suites.

IHG Rewards Club normally charges 10,000 to 70,000 points for a free night depending on the property. IHG’s award chart suffered a devaluation at the beginning of this year (when they added the 70k tier awards–they used to be capped at 60K). Check out what hotels changed in reward night price.

But every few months, IHG Rewards Club releases a list of a select few hotels where you can stay for 5,000; 10,00; or 15,000 points per night called PointBreaks. Not all of them are gorgeous properties or in ideal locations, but they’re worth checking out at that price in case they happen to fit with your travel plans.

Quick Facts

• Sign Up Bonus: 100,000 IHG points after spending $3,000 within the first three months
• Authorized User Bonus: Get 5,000 bonus points for adding an authorized user (in the first three months)
• Category Bonuses: 10x IHG points at IHG Hotels, 2x at gas stations, grocery stores, and restaurants
• Anniversary Bonus: Every anniversary of card membership you get a free night at any IHG hotel that costs 40k points a night or less
• Hotel Status: Automatic IHG Platinum Status
• Fourth Night Free: When you redeem points for four more nights or more
• $100 Global Entry or TSA Pre✓® Application Fee Statement Credit
• Value of IHG Points: Need 10k to 70k for a free night
• Global Acceptance: Visa, chip technology, and no foreign transaction fees
• Annual Fee: $89

Other Chase Cards You Are Eligible For Despite Being >5/24

Those five aren’t the only Chase cards that don’t fall under the jurisdiction of 5/24. These others might be more interesting to you depending on your specific travel goals:

• Aer Lingus Visa (earns Avios, which can be transferred to Iberia and British Airways if you follow the stipulations outlined previously in this post for transferring between Iberia and British Airways accounts)
• Disney Rewards Visa
• Disney Premier Visa
• Amazon Rewards Visa
• AARP Rewards Visa

Bottom Line

While all of the Ultimate Rewards earning credit cards are subject to 5/24, there are many that don’t fall victim, including but not limited to the Marriott Rewards Premier [soon to be Plus] Business Card, World of Hyatt Visa, British Airways Visa Signature, Iberia Visa Signature Card, and the IHG Card. You should be eligible for these cards even if you have opened five or more credit cards in the last 24 months.

The other Chase rule regarding eligibility for sign up bonuses still applies. Had one of these cards before? You can only get the bonus on the same Chase card once every 24 months. This 24 month clock starts when you got the last bonus (which may be several months after you got the card). 

Credit card links have been removed from posts and added to the menu bar at the top of every page of MileValue under the heading Top Credit Cards.