These business cards can help you comply with Chase’s 5/24 rule


Chase issues some of the most popular rewards cards on the market, but the bank also has some of the strictest policies regarding credit card “churn.” It lets you wait 48 months between earning the Sapphire sign-up bonus, and it also has the infamous 5/24 rule.

Chase has never officially commented on the existence of the 5/24 rule, but crowdsourced data confirms that applicants who have opened five or more accounts with the card issuer in the past 24 months will almost certainly be denied a new Chase card Card.

All personal credit card accounts count toward this rule: cards without a preset spending limit, certain store cards, and authorized user accounts. However, many business credit cards (including those issued by Chase) will not be considered when Chase determines your 24/5 creditworthiness.

If you want to stay under 5/24, you can still earn points and mileage rewards through your business card without affecting your ability to sign up for a Chase card in the future. This is not an exhaustive list, but it covers some of my current favorite business cards.

Related: The Best No Annual Fee Business Credit Cards

Chase Ink Business Preferred Credit Card

Sign-up bonus: Earn 100,000 points after spending $8,000 in the first three months.

annual fee: $95

Point master

Although you must be under 5/24 to be approved for this card, Chase Ink Business Preferred® Credit Card It won’t count as one of the five. The card currently offers a huge sign-up gift of 100,000 points (for spending $8,000 in the first three months of joining the card). It’s worth up to $2,050, according to TPG’s valuation, and comes with various bonus categories that are attractive to business owners.

To learn more, read our full review of our top picks for ink business.

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Related: Reasons to Get the Ink Business Preferred Credit Card

Citi/AAdvantage BusinessWorld Elite Mastercard

Sign-up bonus: Earn 75,000 American Airlines AAdvantage bonus miles after you spend $5,000 in purchases within the first five months of account opening.

annual fee: The introductory annual fee is $0 for the first year, and $99 thereafter

Point master

Whether you fly American frequently or not, the sign-up bonus alone is valuable because American is a member of the Oneworld alliance. There are many great redemption options for anyone who can find the best option in the AAdvantage program. For frequent flyers with American Airlines, you can also enjoy benefits such as free checked baggage on domestic itineraries and a 25% discount on in-flight purchases with American Airlines. Citi® / AAdvantage Business™ World Elite Mastercard® (See rates and fees).

To learn more, read our full review of the Citi/AAdvantage Business World Elite Mastercard.

Related: What credit score do you need to get the Citi/AAdvantage Business World Elite Mastercard?

Marriott Bonvoy Business American Express Card

Welcome offer: Earn five free night bonuses when you spend $8,000 in qualifying purchases within the first six months of card opening. Resort fees may apply.

annual fee: $125 (see rates and fees)

Point master

Another option is Marriott Bonvoy Business® American Express® Card, and offers a welcome bonus of five free night awards. With Bonvoy Business Amex, you’ll receive free Gold Elite status, free award nights after each renewal month, and other Marriott benefits. Terms apply. Chase Ultimate Rewards points are transferable to Marriott, so this is a great card to pair with your existing Chase account.

To learn more, read our full review of Bonvoy Business Amex.

RELATED: Here’s Why You Need a Marriott Bonvoy Credit Card for Personal and Business

Chase Ink Business Unlimited Credit Card

Sign-up bonus: Earn $750 in cash back when you spend $6,000 in purchases within the first three months of account opening.

annual fee: $0

Point master

The Chase Ink Business Unlimited® Credit Card offers unlimited 1.5% cash back on every business purchase, making it perfect for those who prefer a fixed-rate card. If you have a Chase card that earns Ultimate Rewards points, you can pool Ink Business Unlimited rewards for the best redemption value. For anyone who needs a flat-rate card for non-rewards category spending, this no-annual-fee card is the perfect way to adhere to the 5/24 rule while still adding a Chase card to your wallet.

To learn more, read our full review of Ink Business Unlimited.

Related: Chase Ink Business Credit Card Guide

Hilton Honors American Express Business Card

Welcome offer: Earn 175,000 Hilton Honors bonus points when you spend $8,000 on the card within the first six months of membership.

annual fee: $195 (see rates and fees)

Point master

If you are looking for a co-branded hotel card with a simple revenue structure for your business, Hilton Honors American Express Business Card is the best for you. The card earns 12 points per dollar spent at Hilton hotels and 5 points per dollar spent on all other purchases for the first $100,000 per year (3 points per dollar spent thereafter) integral). With this card, you’ll receive complimentary Hilton Gold membership and National Emerald Club Executive membership (requires enrollment in the Emerald Club® program). Terms apply.

To learn more, read our full review of the Hilton Honors American Express business.

Related: Best Hilton Credit Cards

American Express Blue Business Plus Card

Welcome offer: Earn 15,000 Membership Rewards points when you spend $3,000 on the card within the first three months of membership.

annual fee: $0 (see rates and fees)

Point master

Sometimes, meeting the spending requirements of most business card welcome offers isn’t feasible for small businesses. Welcome offer American Express Blue Business Plus® Credit Card For most businesses, it’s easy to get even if your spend is low. The card’s earnings structure is simple: 2 points per dollar spent on the first $50,000 of purchases per year, and 1 point per dollar spent thereafter. This card is a good choice if your business has annual expenses of $50,000 or less.

To learn more, read our full review of American Express Blue Business Plus.

Related: Amex Blue Business Cash vs. Blue Business Plus

Things to consider when applying

Almost any business credit card can help you continue to earn a sign-up bonus while staying under 5/24. However, keep in mind that other issuers have their own restrictions that may affect your approval.

It’s also important to note that you don’t have to own a brick-and-mortar store to apply for a business credit card. Whether you sell second-hand clothes or art online, tutor part-time, or pay your own business expenses as an employee, you’re eligible to apply for a business card.

Remember to separate business and personal expenses as much as possible. Business cards don’t have the same consumer protections as personal cards, and mixed charges can get confusing during tax season.

Related: Why You Should Get a Business Credit Card

bottom line

While Chase cards offer real long-term value to cardholders, Chase still struggles to monitor account applications. If you try to apply for too many cards in a short period of time, you may run the risk of your account being permanently closed.

Business cards come in handy when you’re trying to abide by the Chase 5/24 rule. If you time your application correctly, you can space out your personal card registration by applying for a corporate card to receive the welcome bonus.


Apply here: Chase Ink Business Preferred Credit Card
Apply here: Citi/AAdvantage BusinessWorld Elite Mastercard
Apply here: Marriott Bonvoy Business American Express Card
Apply here: Chase Ink Business Unlimited Credit Card
Apply here: American Express Hilton Honors
Apply here: American Express Blue Business Plus Card


Related: The Best Business and Personal Credit Card Combos

For Marriott Bonvoy rates and fees, click here.
For Hilton Honors American Express rates and fees, click here.
For American Express Blue Business Plus rates and fees, click here.



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