Chase 5/24 rule
Chase generally declines a new card application if you have opened 5 or more personal credit cards, from any issuer, in the past 24 months. The count includes cards you have since closed, and authorized-user cards that appear on your credit report.
Unpublished rule: the issuer does not publish this rule. It is documented by at least two independent guides below — treat it as a reported pattern, not a guarantee.
Key takeaways
Chase generally declines a new card application if you have opened 5 or more personal credit cards, from any issuer, in the past 24 months. The count includes cards you have since closed, and authorized-user cards that appear on your credit report.
Anyone applying for a Chase personal or business card. Business cards from most issuers do not add to the count, but Chase still checks your 5/24 status before approving a business card.
Who it applies to
Anyone applying for a Chase personal or business card. Business cards from most issuers do not add to the count, but Chase still checks your 5/24 status before approving a business card.
How to count
- List every personal credit card opened in the past 24 months, from any issuer.
- Include cards you already closed and authorized-user cards on your report.
- Do not count mortgages, auto loans, student loans, or most business cards.
- If the list has 4 or fewer cards, you are under 5/24; at 5, a new Chase card is usually declined.
Calculator (estimate)
Add your approval dates below. The calculator counts how many fall inside the window and shows the earliest date a new slot opens.
This page is general information. Issuer rules change without notice, and actual approval is decided by the issuer's underwriting. Read the terms on the card you are applying for before you apply.FAQ
Does a declined application count toward 5/24?
No. A declined application opens no account, so it adds nothing to the count. The credit inquiry from it can still matter in underwriting.
Do Chase business cards count toward 5/24?
Usually no: most business cards do not appear on your personal credit report. But you must still be under 5/24 to be approved for one.
Sources
Non-issuer sources are secondary sources (independent guides). If a rule changes, the issuer's page governs. This page is general information. Issuer rules change without notice, and actual approval is decided by the issuer's underwriting. Read the terms on the card you are applying for before you apply. Page updated: November 3, 2026No bank login required