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Chase 5/24 calculator

Chase doesn't publish it, but applicants consistently report that 5 or more new personal cards in 24 months, from any bank, gets most Chase applications denied.

Reviewed by Alex Thomas · Updated Nov 5, 2026

You're at 4/24, under the 5/24 line. Chase still looks at your income, history and other accounts.

Card 1Counts until Feb 1, 2027

Card 2Counts until Jul 1, 2027

Card 3Doesn't count

Card 4Counts until Jan 1, 2028

Card 5Counts until Jun 1, 2028

Your count

4/24

< 5/24

Counted as of Nov 5, 2026

5/24 is unofficial. This follows how applicants report it: cards opened in the last 24 months from any issuer, dropping off on the first day of the 25th month.

Authorized user cards count, but some applicants report that a Chase reconsideration call removed them. Most business cards don't count; those that report to personal credit (for example Capital One and Discover business cards) do.

Ask members who've been there

Questions

What is the Chase 5/24 rule?
An unwritten guideline: if you've opened 5 or more personal credit cards with any bank in the past 24 months, Chase will likely deny you for most of its cards.
Do business cards count toward 5/24?
Most don't, because they don't appear on your personal credit report. Business cards that report personally, like some from Capital One and Discover, do count.
How do I check my 5/24 count?
Pull your free credit reports at AnnualCreditReport.com and count the credit card accounts opened in the last 24 months, including authorized user cards.

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Sources

  1. NerdWallet — Chase put the 5/24 rule in writing, brieflynerdwallet.com
  2. AnnualCreditReport.com — free weekly credit reportsannualcreditreport.com

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