Understanding Chase's 5/24 Rule: What Counts and How to Navigate It

Chase's 5/24 rule limits approval for most of its credit cards to applicants who have opened fewer than five personal credit cards from any bank within the past 24 months. The policy applies to many popular Chase rewards cards, including cobranded offerings, though it is not officially published. Applicant data points confirm the rule's existence, and it is a key consideration for points and miles enthusiasts.