How to Check Your Chase 5/24 Count


A couple days ago I wrote a post clarifying the Chase 5/24 rule and it’s relationship to small business credit cards. A reader asked the following question in the comments:

“How do I figure out if I can apply for the United Explore Card under the 5/24 rule. I didn’t keep track of when I applied for the various cards I have. Is there a quick and easy way to see if I am under the 5/24 rule?”

Yep, thankfully there is a quick and easy way.

Checking your Chase 5/24 Count, Step-by-Step

  • Step 1: 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.

  • Step 2: Click the Credit age box on the following page.
  • Step 3: 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.
  • Step 4: To find the rest of the cards that count in your 5/24 total (the closed accounts opened within the last two years), go back to the original page displayed after logging in, and instead of clicking Credit, click Accounts.
  • Step 5: Scroll dow and click the “Show (x) Closed Accounts” link below the list of open accounts.
  • Step 6: An additional list will pop up, and clicking on an individual account will show when you opened it. Count the accounts you opened in the last two years and add them to the previous total you just counted. That is your Chase 5/24 count.


Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

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  1. What about a card on which I am only an authorized user? And does it matter if it is my spouse is the primary card holder and all our money is held jointly?

    • Yep, if you are an authorized user on someone else’s account, that card (as long as it is a consumer card) counts in your 5/24 total. Removing yourself as an authorized user from the account can sometimes work to lower your total by one account.

  2. S
    I called to cancel my Citi Bus card $99 fee @ 11 months .Last time I got 5k points this time $7500 if I send $1k in 3 months . To good an offer to pass up I LOVE AA points too . I’m down from 10 cc a year ago to 5 now . I want to get that C1 card been turned down 2x in 7 months . Be careful with C1 you need to wait least 6 months between applys or u get turned ..I need free hotels ..
    Oh Well Game On !!!

  3. @Sarah Page Maxwell
    hi Sarah, doesnt creditkarma NOT include account information from experian? but only from EQ & TU? this makes the info incomplete? thanks!

    • Correct, Credit Karma does not include Experian info, Just Equifax and TransUnion. But as far as I can tell Credit Karma has never missed an account I opened or closed comparing to my personal records. If you want to double check, Experian has a free mobile app called Experian Credit Report that also has a list of opened and closed accounts (accessed by clicking on Revolving Accounts).


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