No, Chase has not done away with the 5/24 rule. As of early 2026, Chase continues to use this policy to automatically decline applicants for most personal and business credit cards if they have opened 5 or more personal credit cards (from any issuer) within the past 24 months.
Typically, business cards approvals do not count toward your Chase 5/24 score. This is because business cards are associated with a business rather than with the individual applying for the card.
You can sometimes bypass Chase's 5/24 rule through targeted "Just for You" offers in your online account, getting an in-branch offer from a relationship manager, or by applying for a business card (which usually doesn't count against you). Waiting it out (until fewer than 5 new cards appear on your report in 24 months) is the surest, though slower, method, as exceptions are rare and rely on specific circumstances.
How to check your Chase 5/24 status. Chase doesn't share your 5/24 status directly, but you can find it by reviewing your credit report. Here's how: Get a free credit report from Experian, Equifax, or TransUnion at AnnualCreditReport.com.
Yes, the old 48-month rule for Chase Sapphire bonuses is gone, replaced by new, stricter "once in a lifetime" rules for earning a bonus on the Sapphire Preferred and Sapphire Reserve, meaning you generally can only get the bonus once for each card ever, though you can hold both cards and earn a bonus on one if you never got a bonus on the other, with eligibility also factoring in past bonuses, current card status, and Chase's 5/24 rule.
Chase shuts down accounts mainly for reasons tied to risk and policy compliance. The top five common triggers are: suspected fraud, frequent overdrafts or negative balances, failure to confirm identity, violating account terms, and unusual high-risk activity.
In summary. Chase Freedom Flex could suit you better if you find its bonus categories align with your spending patterns. However, if you want to earn as many rewards as possible, you'll have to track the bonus categories and use your card accordingly.
The Chase 2/30 Rule is an unofficial guideline stating you can be approved for a maximum of two new Chase credit cards within a 30-day period, or risk automatic denial, though this isn't a hard-and-fast policy and depends on your overall profile. It's a key rule for credit card enthusiasts, alongside the famous Chase 5/24 rule (not being approved for more than five new cards from any bank in 24 months). Following these guidelines helps maximize your chances of approval for Chase's popular rewards cards.
Chase is the only bank that is known to have this rule, and it's the most common rule referenced when getting into the points and miles hobby. The 5/24 rule says that Chase won't approve a card if you've opened 5 or more cards in a 24 month period.
According to Experian™, credit scores typically range from 300 to 850, with 524 falling well below the average U.S. score of 715. 1 Lenders may view scores in the low 500s as higher risk, which can impact loan approvals and interest rates. Factors contributing to a 524 score may include: Missed or late payments.
Missing a credit card payment by even one day can have immediate consequences, such as incurring a late fee or penalty for paying past the due date. Once you're 30 days or more past the due date, creditors typically report the delinquency to credit bureaus.
To my surprise, he said "they had stopped doing that". I honestly thought I heard it wrong or he didn't understand my question?! But no, he further confirmed that change was a total rescind of 5/24 on all Chase credit cards.
To get a credit card with a $100k limit, you generally need excellent credit, high income, and often apply for premium travel cards like the Chase Sapphire Reserve or Amex Platinum, or business cards like Brex/Ramp, as traditional cards rarely start that high, though some premium options like Chase Sapphire Preferred can reach it for top-tier users. No preset spending limit (NPSL) cards, like some American Express products, offer flexible limits that can exceed $100k based on your financial profile, making them another path to high spending power.
However, you can still establish your 5/24 status by obtaining a free credit report or by clicking on each account on Experian's desktop browser or other similar credit report trackers. From here, you can see your account opening date.
If you're denied for a Chase credit card because of the 5/24 rule, or for another reason, you can always ask them to reconsider. Here's how to get in touch with Chase for reconsideration: Personal Cards: 1-888-270-2127. Business Cards: 1-800-453-9719.
The four-year rule for Chase Sapphire Reserve® used to prevent you from getting another initial bonus from any Chase Sapphire card if you've received one within the past 48 months. Chase Sapphire Reserve's initial bonus is 125,000 points for spending $6,000 in the first 3 months. However, this rule no longer applies.
Credit card churning happens when a person applies for many credit cards to collect big sign-up and welcome bonuses. Once they get the rewards, a credit card churner usually stops using the cards or cancels them. Then, they may start over by applying for a new credit card with a different card issuer.
While older models of credit scores used to go as high as 900, you can no longer achieve a 900 credit score. The highest score you can receive today is 850.
The Chase Freedom Flex® Credit Card may give high credit limits to people with good-to-excellent credit, a lot of income, and relatively little debt. The minimum credit limit is $500, and some cardholders report having limits as high as $$18,000.