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Chase 5/24 Calculator
By Joe
Check your Chase 5/24 count, the date you drop below five, and flags for other issuers' application rules. Add the cards you opened in the last 24 to 48 months, one row per card.
What is the Chase 5/24 guideline?
Chase 5/24 is an unpublished guideline many applicants report Chase uses when you apply for a new card. Chase usually denies new personal cards if you have opened five or more personal credit cards from any issuer in the past 24 months. The count is based on cards on your personal credit report, not Chase cards alone. Chase does not publish the rule, so treat it as a guideline.
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Your 5/24 status and drop-off date
- 5/24 count
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- Drop-below-5 date
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Authorized-user cards are in your count because they report to personal credit. Many applicants report Chase will remove them on reconsideration if you explain you are only an authorized user.
Citi Strata-family cards use lifetime bonus language in current terms. If you have or had a Strata card, read that card's bonus terms before you apply.
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What counts toward 5/24
The count looks at cards that appear on your personal credit report and were opened in the last 24 months. In practice that means personal credit cards from any issuer, not just Chase. A card you have already closed still counts until 24 months after the date you opened it. If you are choosing a first card, start with the right first card or read the Chase Sapphire Reserve beginner guide.
Authorized-user cards that show up on your report are counted by default, because Chase's automated system typically sees them. Many applicants report that a reconsideration agent will leave those accounts out once you explain you are only an authorized user, not the primary cardholder. To leave an authorized-user card out of the count, untick Reports to personal credit.
Most business cards do not report routine balances and payments to your personal credit report, so they usually don't count. Chase, Amex, Citi and Bank of America business cards generally fall in this group. Some Capital One business cards do report full activity to personal credit, and those count. If you aren't sure, check whether the card appears on your personal credit report.
All of this is a community-reported pattern, not published Chase policy. Sources: NerdWallet (Oct 2, 2026), One Mile at a Time (Oct 17, 2026), AwardWallet (May 24, 2026) and Ramp (Sept 3, 2026).
Compare Chase cards: Chase Sapphire Preferred vs Sapphire Reserve and Chase Ink Business Preferred vs Sapphire Reserve.
Other issuer rules
Chase other limits
Community-reported data point, not official policy Applicants often report a limit of about two Chase personal card approvals within 30 days. Chase does not publish the window or how it is measured.
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Chase Sapphire
Chase terms This credit card is unavailable to you if you currently have this card open. The new cardmember bonus may not be available to you if you previously held this card or received a new cardmember bonus for this card. We may also consider the number of cards you have opened and closed in determining your bonus eligibility.
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Amex
Official terms You may not be eligible to receive a welcome offer if you have or have had this Card. Many cards also name related cards in the same family in their terms.
Community-reported data point, not official policy Amex usually tells you before it processes your application, so you can withdraw. The family list differs by card, so read that card's current terms.
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Citi
Official terms Citi Strata, Strata Premier and Strata Elite say the bonus is not available if you "currently have or previously had" that card, or a Citi Premier. Most other Citi cards still use 48 months.
Community-reported data point, not official policy Applicants report 1/8 and 2/65 limits (about one approval per 8 days and two per 65 days). Citi may approve you without warning and simply not pay the bonus.
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BofA
Community-reported data point, not official policy 2/3/4 counts Bank of America cards only (about two in two months, three in twelve months, four in twenty-four months).
Community-reported data point, not official policy 3/12 counts cards from all issuers if you have no BofA deposit account; 7/12 if you do. Bank of America does not publish these limits.
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Capital One
Official terms Capital One officially says there's no rule on how often you can apply.
Community-reported data point, not official policy Applicants often report about one approval per six months and a personal-card limit around five. Capital One does not publish a definitive count.
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FAQ
Does Chase publish 5/24?
No. The rule appeared briefly on the Chase Sapphire Reserve application in 2016 and was removed. It isn't in Chase's current published terms. It remains widely reported because applicants keep seeing it applied in approval decisions. Source: NerdWallet (June 16, 2026).
Do authorized user cards count?
Yes, by default, if they appear on your credit report and Reports to personal credit is checked. Many applicants report that Chase will remove them from the count during reconsideration if you explain you are only an authorized user. That's a community-reported data point, not official policy. Source: NerdWallet (Oct 2, 2026).
Do business cards count?
Most don't, because they don't report routine activity to your personal credit report. Chase, Amex, Citi and Bank of America business cards generally don't count. Some Capital One business cards do report to personal credit, so they count. Sources: Ramp (Sept 3, 2026), Travel Summary (Oct 13, 2026).
What is Amex's once-per-lifetime rule?
Amex terms on many cards say you may not be eligible for a welcome offer if you "have or have had this Card." On some cards, the terms also name related or higher-tier cards in the same family. Amex usually tells you before it processes your application, so you can withdraw. The terms don't set a fixed number of years for "lifetime," and the family list differs by card, so check that card's current terms. Source: The Points Guy summary of Amex terms (Sept 30, 2026).
When do I drop below 5/24?
A card stops counting 24 months after its open date. If you have five or more counted cards, sort them oldest first. You drop below 5/24 on the day after the (N − 4)th oldest card's open date plus 24 months, where N is your count. For example, with five cards and the oldest opened October 21, 2024, that card counts through October 21, 2026, and you're under 5/24 on October 22, 2026. With six cards, use the second-oldest card's date instead. If a card was opened on February 29, we count it through March 1 to be safe.
Is there a 5/24 checker for Amex or Citi?
No issuer publishes a Chase-style 5/24 rule. For Amex, Citi, Bank of America and Capital One, use the Other issuer rules section on this page for welcome-offer language, application limits and other patterns applicants report.
Which Chase cards are subject to 5/24?
Community-reported data point, not official policy: applicants report Chase applies 5/24 when you apply for essentially any Chase personal or business credit card, not only Sapphire cards. Business cards usually do not add to your personal 5/24 count unless they report to your personal credit report.