5 Chase Cards Not Subject To 5/24 (2018 Edition)

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In 2016 Chase expanded what’s commonly referred to as the “5/24 rule.” I’ve received quite a few requests from readers asking for an updated list of which cards aren’t subjected to this rule, so that’s what this post is about. I had actually written a post like this earlier in the year, but since then three of the five cards have changed, so I guess it makes sense to update this post once again.

What’s the 5/24 rule?

With Chase’s 5/24 policy, you typically won’t be approved for a card if you’ve opened five or more new accounts in the past 24 months. This is more of a general guideline than a strict rule, though. Here’s what you should know about 5/24:

How can you check your 5/24 status?

There are a few different ways to check your Chase 5/24 status, and one of those ways is to use Credit Karma. See this post for a step-by-step of how to check your current standing.

How do Chase credit card approvals work in general?

There’s no set limit to how many Chase cards you can have. With Chase the limiting factor is typically the total amount of credit they’re willing to extend you. This means that if you apply for a new card and are maxed out in terms of the credit Chase is willing to issue you, you may be asked to switch credit lines around.

Typically Chase will approve someone for at most two cards in a 30 day period, and you can sometimes even get approved for two cards on the same day.

The 5 personal Chase travel cards not subjected to the 5/24 rule

With that in mind, here are the five personal Chase travel credit cards that aren’t currently subjected to the 5/24 rule:

The World of Hyatt Credit Card

Welcome bonus: Up to 60,000 World of Hyatt points, including 40,000 points after spending $3,000 within the first three months, plus 20,000 points after spending a total of $6,000 within the first six months
Annual fee: $95

A welcome bonus of 60,000+ points is huge. Personally I value World of Hyatt points at ~1.5 cents each, so to me the 60,000 points are worth around $900, which can get you some great redemptions at top Hyatt properties.

Redeem your points at the Park Hyatt Maldives

On top of that, the card offers a complimentary annual free night certificate valid at any Category 1-4 property, which for most people should more than offset the annual fee. You can earn a second free night certificate when you spend $15,000 on the card in an account anniversary year.

This card also offers World of Hyatt Discoverist status, which gets you preferred late check-out, potential room upgrades, bonus points, and more. Then you get five elite nights towards status annually, plus an additional two elite nights for every $5,000 you spend on the card, which can help you earn Globalist status.

Globalist members get lounge access, like at the Grand Hyatt Hong Kong

IHG® Rewards Club Premier Credit Card

Welcome bonus: 100,000 IHG Rewards Club points after spending $3,000 within three months, plus 5,000 points when you add an authorized user and have them make their first purchase within the same timeframe
Annual fee: $89

At the moment this card has an increased welcome bonus, which is the biggest bonus we’ve seen on this card so far.

Long term this card offers great perks, like an anniversary free night certificate valid at a hotel costing up to 40,000 points per night.

Redeem your anniversary free night certificate at the Crowne Plaza Changi

Just for having the card you also get IHG Rewards Club Platinum status, as well as a fourth night free on award redemptions, which can add a ton of value to your IHG points.

Score a fourth night free on award redemptions with this card

British Airways Visa Signature® Card

Welcome bonus: Up to 100,000 Avios, including 50,000 bonus Avios after you spend $3,000 on purchases within the first three months, plus an additional 25,000 Avios after spending a total of $10,000 within the first 12 months, plus an additional 25,000 Avios after spending a total of $20,000 within the first 12 months
Annual fee: $95

Avios are incredibly useful for shorthaul travel, given their distance based award chart. Avios can efficiently be redeemed for travel on Alaska and American on domestic flights.

On top of that, the card offers a Travel Together ticket when you spend $30,000 on the card per year. With this voucher you can have a companion fly with you on a British Airways award ticket, and they just have to pay the carrier imposed surcharges and fees, and not the actual Avios (though those fees can be high).

Use your Travel Together voucher for British Airways first class

Iberia Visa Signature® Card

Welcome bonus: Up to 100,000 Avios, including 50,000 bonus Avios after you spend $3,000 on purchases within the first three months, plus an additional 25,000 Avios after spending a total of $10,000 within the first 12 months, plus an additional 25,000 Avios after spending a total of $20,000 within the first 12 months
Annual fee: $95

This card was introduced earlier this year, and nicely complements the card that’s issued by British Airways. In addition to the unique features available directly through the Iberia Plus program, you can also transfer your Avios directly to the British Airways Executive Club program, assuming both accounts have been open for 90 days.

The card offers some additional unique features, including 10% off Iberia flights when paying with the card, and a $1,000 Iberia discount voucher every calendar year when you spend $30,000 on the card in that period.

Redeem your Avios for travel in Iberia business class

Aer Lingus Visa Signature® Card

Welcome bonus: Up to 100,000 Avios, including 50,000 bonus Avios after you spend $3,000 on purchases within the first three months, plus an additional 25,000 Avios after spending a total of $10,000 within the first 12 months, plus an additional 25,000 Avios after spending a total of $20,000 within the first 12 months
Annual fee: $95

This card was introduced earlier this year, and nicely complements the card that’s issued by British Airways.

The card offers some additional unique features, like priority boarding on flights out of the US and Ireland, and an economy companion ticket when you spend $30,000 on the card in a year.

Redeem your Avios for travel in Aer Lingus business class

Bottom line

The above are the five Chase personal travel cards that you’re potentially eligible for if you’ve opened five or more new card accounts in the past 24 months.

These are all fantastic cards. Personally I think almost everyone would benefit from having The World of Hyatt Credit Card or IHG® Rewards Club Premier Credit Card, given that they offer an annual free night certificate valid at many great properties, which more than justifies the annual fee, in my opinion. Not only do they have valuable welcome bonuses, but they’re worth holding into long term.

Then the British Airways Visa Signature® CardIberia Visa Signature® Card, and Aer Lingus Visa Signature® Card all offer up to 100,000 Avios with significant spend, and offer some perks that could make them worth holding onto.

Non-Affiliate Product Disclaimer: The information for the Iberia Visa Signature® Card and Aer Lingus Visa Signature® Card have been collected independently by One Mile At A Time. The card details on this page have not been reviewed or provided by the card issuer.

Regarding Comments: The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.


  1. Funny that you say “There are so many great properties at which you can redeem those Ritz-Carlton complimentary nights.” and then right below it post a picture of the Ritz-Carlton Laguna Niguel, which you HATED.

  2. @HT Ink and United Business cards do. Marriott Business does not. Don’t know about others.

    I think the title would be better if it specified Chase Personal *Travel* cards. They have at least one other worthwhile non-5/24 rewards card, the Amazon Prime card. (And I assume non-rewards cards like Slate are also non-5/24.)

  3. @HT whoops I saw you said “counts towards” rather than “exempt from”. All Chase biz cards don’t appear to count towards 5/24. And you can still get a Marriott Business even if you are over.

  4. I think you should point out to your readers that in the past two months when chase is seeing a number of apps they are shutting down ALL of the individual’s chase cards. If someone is already over 5/24 then there is a real risk they could trigger AA by Chase. People should really know its a risk as there are more datapoints about Chase being more aggressive about this stuff recently.

  5. HI,
    Sorry, if I am missing something obvious.

    I understand that the British Avios card and the Southwest business card not count towards the 5/24 correct?


  6. @ smith — You can be approved for the British Airways Card if you’re over the 5/24 limit, but not the Southwest Card.

  7. @ smith — Any card that reports to your credit “counts towards” 5/24 (so all personal cards, some business cards depending on issuer). As Lucky mentions in the post above, there are some cards that aren’t “subject to” 5/24, meaning you can still potentially get approved for them if you’re over that limit. More on the difference between counts towards vs. subject to here: https://onemileatatime.com/2018/03/27/define-5-24/

  8. So if you are over 5/24 or at 5/24 and you get the Ritz Carlton card which comes with automatic gold elite status that will then morph into the new platinum status in August? Is that right?

  9. Lucky,

    I really wish you guys would caption your article pictures more consistently.

    What hotel is that with the bird paintings on the wall? Need to know 🙂

  10. I’m 1/24 and tomorrow I’ll be 0/24. I did add Ink Biz Pref and Ink Cash the last few months and got a targeted 75k on United Biz (which is pending). Trying to knock out any more Chase apps before I start looking other places. The only one I really want to add is WoH but I’m in no rush for that. Sitting with Sapphire Preferred (converted Fairmont), Freedom Unlimited, UA Explorer and old Ritz on personal side for now. I’m not 5/24 driven but it’s nice to have the flexibility if Chase decides to ratchet up 5/24 on other cards.

  11. You’re posts are always helpful, thanks.
    One quick question. Since the World of Hyatt is not subject to 5/24 rule (and I’m at 5/24) and applied for the card, and got approved! But after checking my creditkarma account, I noticed that the World of Hyatt chase chard shows up as a new card. So that means I’m not at 6/24? And now will have to wait longer in order to get below 5/24 to get a chase card I’ve been waiting to get?
    Thanks for your help!

  12. @Lucky, would one be eligible for the Hyatt & IHG cards (sign up bonus) if we currently hold the old version?

  13. @ Tigris23 — You’re eligible for the IHG Card if you have the old version of the card, but not eligible for the Hyatt Card if you have the old version of it.

  14. @Lucky, thanks for the response! I have one more question regarding for new IHG card then. Since I signed up for the previous verison in 3/2018 (and assuming I still qualify for the uncapped 1 night free once I meet my 1st anniversary in 3/2019), I will have one year from 3/2019 to book the uncapped 1 night from old version, will I be able to use the one night free on this new version (if sign up now, get one night from 9/2019) with the old version (unlikely since the old version is uncapped and the new is max at 40k, but would like to know as an option). Thanks again!

  15. @ Tigris23 — If you have both cards then you’d get two free nights per year, though the free night on the new card would have the new 40K cap. There’s potentially huge value to having both cards as well since the old version of the card offers 10% of redeemed points back, while the new version of the card offers a fourth night free on award redemptions, and you can stack the two benefits.

  16. @Lucky, that’s great to know, thanks! I’ll may just go ahead and use your link to sign up for the new version then since I’ll looking to redeem free nights in Asia in early 2020 (just to confirm–since I signed up for old version in 3/2018, I get the uncapped free night in 3/2019 which I have until 3/2020 to book a free night that may take place in, say Apr.or May of 2020 right). If so, then I can combine the 2 free nights from old and new cards. Thanks again!

  17. @ Tigris23 — That’s correct. At least unofficially the certificates just have to redeemed by the expiration date, even if it’s for a subsequent stay. And then you’d get another one with this card. Let me know if you have any other questions. 🙂

  18. Unfortunately, this article is not accurate any more.

    Since January of 2017, I opened CSR, IHG (old), Hyatt (old), Unlimited, and Freedom.

    When I tried to open a new card- the United MilesExplorer- I was explicitly rejected for opening too many cards in too brief of a time period.

  19. PLEASE, you really must tell your readers that, though they can get these cards in spite of 5/24, the cards will STILL count towards their 5/24 totals. Or am I missing something?

  20. @lucky, are any of this points redeemable within Chase Ultimate Rewards portal or transferable to other partners?

  21. Is Chase inquiry-sensitive for these 5/24-exempt cards? I’ve applied for a lot of cards in the last 6 months, so have a lot of inquiries. The last Chase card I applied for was sent to review and I got grilled about all my inquiries. I have several more since then. I don’t want Chase looking too closely at me, and risking shut down. I have 6 personal and 2 business cards with Chase already.

  22. Actually I think it depends if it is a Chase issued card or a partner card that Chase is the processing bank for. For example, if you have a Freedom card and a Reserve card, then these two would count, but if you have an Amazon and a United card, then those two wouldn’t count because they are not really Chase cards earning Chase rewards.

  23. @Ron Man…
    If that’s the case, then I screwed myself. As I’m waiting to get below 5/24 to get a chase credit card and since I was told the World of Hyatt card doesn’t count toward the 5/24 rule, I applied and got approved, thinking I would still be at 5/24 and it would not effect me in getting the chase card I’ve been wanting to get and been waiting for almost two years. But now that Hyatt card shows up on my report and brings me to 6/24 which means I have to now wait LONGER to get approved for Chase card.
    If I knew that rule, I would not have applied for World of Hyatt until after getting the other chase card.
    Oh well. Just have to wait a little longer.

  24. @ Dimiitriy Altukhvo….

    That is why I pulled the trigger on the CSR while I was still under 5/24. Figured the other ones with Chase like the Hyatt I could get while over 5/24. Then after getting those I will non-Chase cards – I.e., Citi, AMEX, etc. Just stagger them in a logical order.

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