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If you have opened five credit cards from any issuing bank in the last 24 months, Chase usually will not approve you for their credit cards. This is what people mean when they say Chase 5/24.

A loophole to this rule is that business credit cards from the majority of issuing banks are not considered in your Chase 5/24 count because they do not show up as new accounts on your personal credit report. Tallying new accounts on your credit report is how Chase totals a person’s 5/24 count.

Which ones don’t show up?

Which ones do?

  • Barclays
  • Capital One

Signing up for only business credit cards from the first list is a way to fly under Chase’s radar and stay eligible for their cards. For those of you in this camp, today’s post is for you.

I’m not going to rattle on about cards you hear us or other miles blogs talk about all the time. Instead, here’s a short list of business credit cards that A) shouldn’t show up on your personal credit report, therefore won’t total into your 5/24 count; B) aren’t well publicized; and C) have valuable sign up offers.

  • American Express Business Gold Rewards Card
  • Marriott Business Premier Rewards Card
  • Alaska Airlines Business Visa
  • American Express Blue for Business

Before we move on to the cards…do you question whether you’re eligible for a small business credit card? Read How to Be Approved for Business Credit Cards to learn more.

Marriott Rewards Premier Business Card

The Marriott Rewards Premier Business Card comes with 80,000 Marriott points after spending $3,000 on the card within three months of opening it. You’ll pay a $95 annual fee the first year which isn’t waived but you also get all of the following perks:

  • Category bonuses
    • 5x at Marriott properties
    • 2x on
      • airline tickets purchased directly with the airline
      • car rental agencies
      • restaurants
      • office supply stores
      • internet, cable, and phone services purchases
  • Marriott Rewards Gold Elite benefits when you spend $50,000 the card each account year
  • A free night stay in a Category 1-5 hotel each year after account anniversary
  • No foreign transaction fees

Personally, I wouldn’t get this card to earn a bunch of Marriott points to redeem at Marriotts. Instead I’d convert Marriott points to SPG points at a rate of 3 Marriott points to 1 SPG point, so 83,000 Marriott points (how many you’ll have after meeting the minimum spending requirement) converts to over 27,000 SPG points.

This card is issued by Chase, but the 5/24 rule shouldn’t affect it on either side of the equation. By that I mean it shouldn’t total into your 5/24 count, nor should being over 5/24 affect your eligibility for the card and its bonus. Read this post if you want to learn about other Chase Cards You Can Get if Over 5/24. Note that all of the cards mentioned in that post will show up on your personal credit report however.

Business Gold Rewards Card from American Express Open

The Business Gold Rewards Card from American Express Open now comes with 50,000 bonus Membership Rewards after spending $5,000 on your card in the first three months the account is open.

The normal offer for the Business Gold Rewards Card is 25k Membership Rewards after spending $5,000. This improved offer is twice is good as it was before, and the best we’ve seen (publicly) in years. Since you can only earn the sign-up bonus from a publicly available American Express card offer once per lifetime, that is significant when we say it’s the best sign up bonus we’ve seen in years.

Membership Reward transfer partners
Membership Reward transfer partners


It also has customizable category bonuses with unique options to choose from and the annual fee is waived the first year. You’ll get 3x Membership Rewards on one category of your choice out of the following five choices…

  • Airfare purchased directly from airlines
  • U.S. purchases for advertising in select media
  • U.S. purchases at gas stations
  • U.S. purchases for shipping
  • U.S. computer hardware, software, and cloud computing purchases made directly from select providers

…2X Membership Rewards on the four remaining categories, and 1 Membership Reward per dollar spent on all other purchases. Read a full breakdown of the Business Gold Rewards card here.

I recently got this card and am looking forward to the surplus of Membership Rewards headed towards my account.

Alaska Airlines Visa Business Card

The sign up offer this card is very similar to its personal card counterpart. You’ll get 30,000 Alaska miles after spending $1,000 on the card in three months. You have to pay a $75 annual fee for these miles that isn’t waived the first year. Other benefits include:

  • Category bonus: 3x on Alaska Airlines tickets, vacation packages, cargo and in-flight purchases
  • You and up to six other passengers on your reservation get a free checked bag (when flying Alaska Airlines, Horizon Air, SkyWest or PenAir)
  • No foreign transaction fees

Read 7 Awesome Alaska Awards w/Free Stopovers & How to Book Them to learn about why you want Alaska miles. We value Alaska miles highly (1.75 cents each) due to their varied array of oneworld, SkyTeam, and non-allied airline partners, lax routing rules, and cheap award charts full of sweet spots.

Scott flying Cathay Pacific First Class, which you can fly United States > Hong Kong (stopover) > Bangkok in Cathay Pacific First Class for just 70k Alaska miles
Scott flying Cathay Pacific First Class, which you can fly United States > Hong Kong (stopover) > Bangkok in Cathay Pacific First Class for just 70k Alaska miles

Aside from the Alaska cards, you can also buy Alaska miles, sometimes with pretty decent discounts.

American Express Blue for Business

The American Express Blue for Business has an enhanced sign up offer right now that ends February 1 (just a few days away!). There isn’t even a minimum spending requirement to earn the sign up bonus. After your first purchase, you’ll earn 10,000 Membership Rewards. The category bonuses are fantastic with the limited time offer:

  • 10X points at restaurants in the United States for the first six months you have the card (maxes out at $2,000 in restaurant purchases, so can earn a possible 20,000 Membership Rewards this way)
  • 2x on everything else for the first year of card membership, capped at $50,000 in purchases (can earn a possible 100,000 Membership Rewards this way)

You’ll also get a 30% bonus of Membership Rewards based on what you spent on the card in the first year. If your business has a lot of expenses, this card could prove very lucrative.

Bottom Line

Regardless of whether or not the Chase 5/24 rule has any significance to you, all the business cards mentioned in this post are worth a look. Business cards are often overlooked and are a great way to pad your miles and points balances. The fact that they don’t total into your 5/24 count is icing on the cake.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Just getting started in the world of points and miles? The Chase Sapphire Preferred is the best card for you to start with.

With a bonus of 60,000 points after $4,000 spend in the first 3 months, 5x points on travel booked through the Chase Travel Portal and 3x points on restaurants, streaming services, and online groceries (excluding Target, Walmart, and wholesale clubs), this card truly cannot be beat for getting started!

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