Clarifying Chase 5/24 in Relation to Business Cards

Opening five credit cards within 24 months will render you ineligible for any further Chase credit cards, until that five number has dropped to, at the most, four credit cards within the last 24 months. While not published by the bank, the Chase 5/24 rule is widely accepted as truth by the miles and points community after years of shared and collected experiences.

Business credit cards do not, anecdotally, count in your Chase 5/24 total.

I Was Just Approved for the United Business Card

In January of 2018, I began a credit card fast that lasted for nine months. In other words, I stopped applying for new credit cards. At that point I had been cutoff from Chase credit cards for a long time, years, and was tired of it. I had opened a number of new credit cards, more than five in the prior two 24 months, which is where the Chase 5/24 rule gets its name from.