Chip Lupo, Credit Card Writer
@CLoop
No, Chase does not have a 5/24 rule, which means Chase will not automatically reject an application just because you've opened five or more credit card accounts during the past 24 months. Although Chase was rumored to have a 5/24 rule, Chase has never openly stated that the rule is real.
You are actually allowed to have unlimited open credit card accounts with Chase at once, with no restrictions on the amount of time between applications. But keep in mind that applying for a lot of cards in a short period of time hurts your credit score. If you are in a position to qualify for a new Chase credit card, though, you can find some popular offers below.
Popular Chase Credit Cards in 2026
- Rates & Fees Best Overall: Chase Sapphire Preferred® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Best Overall: Chase Sapphire Preferred® CardLearn MoreLearn Moreon issuer's website
- Best Overall: Chase Sapphire Preferred® CardLearn MoreLearn More
- Rates & Fees Best for Frequent Travelers: Chase Sapphire Reserve®Learn MoreLearn Moreon issuer's website
- Rates & Fees Best for Frequent Travelers: Chase Sapphire Reserve®Learn MoreLearn Moreon issuer's website
- Best for Frequent Travelers: Chase Sapphire Reserve®Learn MoreLearn More
- Rates & Fees Best for a Low APR & Rewards: Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
- Rates & Fees Best for a Low APR & Rewards: Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
- Best for a Low APR & Rewards: Chase Freedom Unlimited®Learn MoreLearn More
- Best for Bonus Rewards Categories: Chase Freedom Flex® Credit CardLearn MoreLearn More
- Best for Bonus Rewards Categories: Chase Freedom Flex® Credit CardLearn MoreLearn Moreon issuer's website
- Best for Bonus Rewards Categories: Chase Freedom Flex® Credit CardLearn MoreLearn More
- Best Overall:
- Best for Frequent Travelers:
- Best for a Low APR & Rewards:
- Best for Bonus Rewards Categories:
In general, it’s best to wait at least six months between credit card applications, as that gives your credit score time to recover. While you wait, you can check your credit score for free on WalletHub.
Popular Chase Credit Cards
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Sign-Up Bonus
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Frequent Travelers
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Low APR and Rewards:
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Low Interest:
People also ask
What is the 5/24 rule?
The 5/24 rule is one of the criteria Chase used to have in order to qualify new credit card accounts. When this rule was in effect, it meant that you couldn’t get approved for most Chase credit cards if you had opened five or more personal credit cards (from any card issuer) within the past 24 months. However, Chase no longer takes this factor into consideration for their credit card applications.
According to Chase customer service,...
read full answer by Maria Adams, Credit Cards ModeratorIs the Chase Sapphire Reserve 5/24 rule real?
No, the Chase Sapphire Reserve 5/24 rule is not real. Chase doesn’t implement a 5/24 restriction for any credit card application. The rule is a rumor, based on reality, that has circulated online and is talked about on many third-party sites. Supposedly, if you’ve opened 5 credit cards from any issuer in the past 24 months, you’ll automatically be denied for any new Chase card you apply for. Language to that effect briefly appeared on Reserve’s application in 2016, but...
read full answer by Clark Newton, WalletHub Credit Card AnalystIs the Chase Ink Preferred 5/24 rule real?
The Chase Ink Preferred 5/24 rule is not real, at least not as of July 2020, according to Chase representatives. References to the Ink Preferred 5/24 rule regularly appear in user forums online, and the idea is that Chase will automatically reject an application for any Chase card if the applicant has opened 5 or more credit card accounts in the previous 24 months, regardless of issuer. This rule isn’t currently spelled out anywhere in...
read full answer by Rodney Bennett, WalletHub AnalystDid we answer your question?
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