The Chase 5/24 Rule: Your Complete Guide
Mastering Chase's 5/24 Rule: Essential Tips for Credit Card Success
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months - that’s $600 toward your next trip
4X points on hotels
3X points on restaurants
Earn 75,000 bonus points after spending $2,000 on purchases in the first 180 days.
4X points per $1 spent on grocery store purchases (excluding Target® and Walmart®)
6X points per $1 spent on eligible purchases made at Hotels by Wyndham
6X points per $1 on qualifying gas purchases
4X points per $1 spent on dining
EARN 50,000 TRAVEL MILES after spending $500 on purchases and paying the annual fee in full, both within the first 90 days of account opening
5x miles on eligible purchases at flyfrontier.com
2X miles on eligible restaurant purchases
Earn 70,000 American Airlines AAdvantage® bonus miles after making $7,000 in purchases within the first 3 months of account opening.
4X AAdvantage® miles for every $1 spent on eligible American Airlines purchases. After you spend $150,000 in purchases on your card in a calendar year, earn a total of
5X AAdvantage® miles on eligible American Airlines purchases for the remainder of the year.
Earn 70,000 AAdvantage® bonus miles after making your first purchase and paying the annual fee in full, both within the first 90 days.
2X AAdvantage® miles for every $1 spent on eligible American Airlines purchases.
Earn $100 bonus cash back rewards after spending $500 on purchases in the first 90 days
No Points
Earn 2,500 Bonus Rewards after your first purchase – that’s worth $25 in RCI Member Rewards
5X Rewards for every $1 spent on all eligible RCI purchases.
Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening - with no annual fee and cash rewards don't expire.
2% cash back on dining purchases. You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
3% cash back in the category of your choice: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
Get a $300 statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn 60,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
2X miles for every $1 spent on gas, transit and streaming services purchases.
Earn 30,000 online bonus points after you make at least $3,000 in net purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
60,000 online bonus points — a $600 value — after you make at least $4,000 in purchases in the first 90 days of account opening.
**2X **points on dining and travel purchases
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
3% cash back in categories you choose: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. Earn 3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter.
Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening – which can be redeemed for a $250 statement credit toward travel and dining purchases
Earn 50,000 American Airlines AAdvantage® bonus miles after making $2,500 in purchases within the first 3 months of account opening.
2 AAdvantage® miles for every $1 spent at restaurants, gas stations, and eligible American Airlines purchases.
Earn 15,000 Loyalty Points after spending $1,000 within the first 90 days. Intro 0% APR for 12 months on balance transfers (after that 19.49% to 29.49% variable). There is no balance transfer fee for the first 60 days. See more info below.
10,000 bonus points after $500 in purchases made in the first 90 days from account opening
10,000 bonus points after $500 in purchases made in the first 90 days from account opening
Earn $150 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening
Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening.
Earn a one-time $50 cash bonus once you spend $100 on purchases within 3 months from account opening
3% cash back on popular streaming services
10% cash back on Uber Eats through 11/14/2024
10% cash back on Uber through 11/14/2024
8% cash back on Capital One Entertainment purchases
3% cash back at grocery stores,
2X points on streaming services
2X points at grocery stores and grocery delivery
2X points at gas stations and EV charging stations
4X points on dining, takeout and restaurant delivery
Earn 75,000 bonus points. Just spend $10,000 on the Account Owner’s card in the first 120 days of opening your account.
2.5X points on up to $5,000 in mobile wallet purchases each quarter
Earn 60,000 bonus points. Just spend $6,000 on the Account Owner’s card in the first 180 days of opening your account.
2X points on cell phone services
Car rentals are 5X more rewarding when booked directly in the Rewards Center
4X points on travel, including airfare, hotels, gas and EV charging stations on the first $150,000 in combined annual spend.
30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
2 Bonus Points per $1 spent at fitness club and gym memberships
2 Bonus Points per $1 spent at restaurants
2 Bonus Points per $1 spent on airline tickets purchased directly from the airline
Prime members, get a $200 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance upon approval of your credit card application.
2% back at gas stations
5% back at Amazon.com, Amazon Fresh with an eligible Prime membership
2% back at restaurants
5% back on Chase Travel purchases with an eligible Prime membership
Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months.
5% cash back on rental cars booked through Capital One Travel
Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
3% back on U.S. purchases at Amazon Business, AWS, Amazon.com. Earn 3% Back on the first $120,000 in purchases each calendar year
2% back at U.S. gas stations, restaurants and on on wireless telephone services.
$400 Statement Credit after you spend $1000 on purchases in the first 3 months from account opening.
2% in Disney Rewards Dollars at grocery stores
2% in Disney Rewards Dollars on card purchases at restaurants
2% in Disney Rewards Dollars on card purchases at gas stations
5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com
Get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card
5% back on U.S. purchases at Amazon Business, AWS, Amazon.com. Earn 5% back on the first $120,000 in purchases each calendar year with eligible Prime Membership
2% back at U.S. gas stations, restaurants and on on wireless telephone services.
10% cash back on Uber Eats through 11/14/2024
10% cash back on Uber through 11/14/2024
3% cash back on popular streaming services
3% cash back at grocery stores
8% cash back on Capital One Entertainment purchases
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
5X miles on rental cars booked through Capital One Travel
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
10X Miles on rental cars booked through Capital One Travel
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
5X miles on cars booked through Capital One Travel
Earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
10% cash back on Uber Eats through 11/14/2024
10% cash back on Uber through 11/14/2024
3% cash back on popular streaming services
3% cash back at grocery stores
8% cash back on Capital One Entertainment purchases
unlimited 5 miles per dollar on rental cars booked through Capital One Travel
Earn 120,000 Membership Rewards® Points after you spend $15,000 in qualifying purchases on the Card within your first 3 months of Card Membership.
1.5X Membership Rewards® points on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
5X Membership Rewards® points on flights and prepaid hotels when you book at AmexTravel.com.
Earn a one-time $50 cash bonus once you spend $100 on purchases within 3 months from account opening
10% cash back on Uber Eats through 11/14/2024
10% cash back on Uber through 11/14/2024
Earn 150,000 miles once you spend $30,000 in the first 3 months
Book through Capital One Travel to earn 10X on rental cars
Earn a $300 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.
Earn a one-time $750 cash bonus once you spend $7,500 on purchases within the first 3 months from account opening.
5% cash back on rental cars booked through Capital One Travel
10% cash back on Uber Eats through 11/14/2024
10% cash back on Uber through 11/14/2024
3% cash back on popular streaming services
3% cash back at grocery stores
8% cash back on Capital One Entertainment purchases
unlimited 5 miles per dollar on rental cars booked through Capital One Travel
Earn a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months from account opening.
$200 Statement Credit after you spend $500 on purchases in the first 3 months from account opening.
Get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card
5% back on U.S. purchases at Amazon Business, AWS, Amazon.com. Earn 5% back on the first $120,000 in purchases each calendar year with eligible Prime Membership
2% back at U.S. gas stations, restaurants and on on wireless telephone services.
Earn a one-time $50 cash bonus once you spend $100 on purchases within 3 months from account opening
3% cash back on popular streaming services
10% cash back on Uber Eats through 11/14/2024
10% cash back on Uber through 11/14/2024
8% cash back on Capital One Entertainment purchases
3% cash back at grocery stores,
Earn 60,000 Bonus Points after you spend $5,000 on purchases within the first 3 months of account opening.
Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
3% back on U.S. purchases at Amazon Business, AWS, Amazon.com. Earn 3% Back on the first $120,000 in purchases each calendar year
2% back at U.S. gas stations, restaurants and on on wireless telephone services.
$400 Statement Credit after you spend $1000 on purchases in the first 3 months from account opening.
2% in Disney Rewards Dollars at grocery stores
2% in Disney Rewards Dollars on card purchases at restaurants
2% in Disney Rewards Dollars on card purchases at gas stations
5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com
Earn a one-time $50 cash bonus once you spend $100 on purchases within 3 months from account opening
10% cash back on Uber Eats through 11/14/2024
10% cash back on Uber through 11/14/2024
Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners card within the first 120 days of opening your account. $0 intro annual fee.
Earn 15,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
2X AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services, and eligible American Airlines purchases.
Just spend $1,000 in eligible Net purchases in the first 90 days.
2X points on streaming services
2X points at grocery stores and grocery delivery
4X points at gas stations and EV charging stations
2X points on, dining
5X points on car rentals booked directly in the Altitude Rewards Center
Earn 50,000 bonus points worth $750 on travel. Just spend $4,500 in the first 90 days of account opening. $400 annual fee.
3X points on eligible travel purchases
3X points on mobile wallet spending
2X FlexPoints at most cell phone service providers.
2X FlexPoints on qualifying charitable donations. Choose from a wide range of eligible local, national and international charities.
2X FlexPoints for every $1 spent at gas and electric vehicle charging stations, office supply stores, or airlines — whichever you spend most on each monthly billing cycle.
2X points on streaming services
2X points at grocery stores and grocery delivery
2X points at gas stations and EV charging stations
4X points on dining, takeout and restaurant delivery
Earn 75,000 bonus points. Just spend $10,000 on the Account Owner’s card in the first 120 days of opening your account.
2.5X points on up to $5,000 in mobile wallet purchases each quarter
30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
2 Bonus Points per $1 spent at fitness club and gym memberships
2 Bonus Points per $1 spent at restaurants
2 Bonus Points per $1 spent on airline tickets purchased directly from the airline
For a limited time, earn 65,000 American Airlines AAdvantage® bonus miles after $4,000 in purchases within the first 4 months of account opening.
2 AAdvantage® miles for every $1 spent at telecommunications merchants, cable and satellite providers, car rental merchants, at gas stations and eligible American Airlines purchases.
Earn 25,000 FunPoints® after spending $500 in the first 90 days.
2X FunPoints® for every dollar spent on any purchases with Carnival Cruise Line AND with the brands of the World’s Leading Cruise Lines
Earn 40,000 bonus points after spending $4,000 on purchases in the first 90 days and earn 40,000 bonus points after spending $15,000 on purchases within the first 12 months.
8X points per $1 spent on eligible purchases made at Hotels by Wyndham
5X points per $1 spent on eligible utility purchases
8X points per $1 spent on eligible purchases made on qualifying gas purchases
2% cash back on your first $3,000 in grocery purchases yearly
5% cash back on your first $3,000 in combined gas station and military base purchases yearly
Earn 45,000 bonus points after spending $2,000 on purchases in the first 180 days.
5X points per $1 spent on eligible purchases made at Hotels by Wyndham
2X points per $1 spent on grocery store purchases (excluding Target® and Walmart®)
5X points per $1 spent on qualifying gas purchases
2X points per $1 spent on dining
Earn up to 60,000 bonus points - earn 50,000 bonus points after spending $4,000 on purchases in the first 90 days. Plus, earn an additional 10,000 bonus points when a purchase is made on an employee card.
2X points at restaurants
6X points on eligible JetBlue purchases
2X points at office supply stores
Earn 50,000 bonus points after spending $1,000 on purchases and paying the annual fee in full, both within the first 90 days
6X points on eligible JetBlue purchases
2X points at grocery stores
2X points at restaurants
Earn a $100 statement credit after you spend $1,000 on purchases in the first 3 months of account opening
3X ThankYou® Points for every $1 spent at gas stations.
Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months.
5% cash back on rental cars booked through Capital One Travel
Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
5% cash back on Lyft rides through March 31, 2025
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
5X miles on rental cars booked through Capital One Travel
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
10X Miles on rental cars booked through Capital One Travel
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
5X miles on cars booked through Capital One Travel
Earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
10% cash back on Uber Eats through 11/14/2024
10% cash back on Uber through 11/14/2024
3% cash back on popular streaming services
3% cash back at grocery stores
8% cash back on Capital One Entertainment purchases
Earn 150,000 miles once you spend $30,000 in the first 3 months
Book through Capital One Travel to earn 10X on rental cars
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening
unlimited 5X miles per dollar on rental cars booked through Capital One Travel
Get 50,000 bonus miles, $100 statement credit and Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after you make $3,000 or more in purchases within the first 90 days of opening your account.
2X miles for every $1 spent on shipping purchases
Get $750 in Earnings to redeem at GM towards the purchase or lease of eligible new GM vehicles after you spend $5,000 on purchases in your first 5 months from account opening
5% Earnings on purchases of GM Genuine and ACDelco Parts, eligible accessories and paid Certified Service at authorized GM Dealers
3% Earnings on purchases at office supply stores
3% Earnings on purchases at restaurants
Get 15,000 bonus points when you spend $1,000 in your first 3 months5 and 0% Intro purchase APR for the first 12 months
7X points for every $1 spent with GM
3% cash back on cell phone service providers
3% cash back at office supply stores
3% cash back on all gas and electric vehicle charging station
Earn 20,000 bonus points - just spend $1,000 in eligible Net Purchases in the first 90 days.
2X points on streaming services
2X points at grocery stores and grocery delivery
2X points at gas stations and EV charging stations
4X points on dining, takeout and restaurant delivery
Earn a $250 rewards bonus after you spend $1,000 in eligible purchases within the first 90 days of account opening.
5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose.
2% cash back on one everyday category, like gas stations and EV charging stations, grocery stores or restaurants.
Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
3% cash back on eligible purchases at office supply stores
3% cash back on eligible purchases at cell phone service providers
3% cash back on eligible purchases at restaurants.
3% cash back on eligible purchases at gas and EV charging stations
Earn a one-time $200 cash bonus once you spend $500 on purchases within 3 months from account opening
2 x Cash Back with Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
5% Cashback Bonus at Target
2 x Cash Back with Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
2 x Cash Back with Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
5% Cashback Bonus at Target
Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value
3X points across key categories, including dining at restaurants, gas stations, electric vehicle charging stations, popular streaming services, and travel. Get rewarded for your everyday spending, from dining in, take-out, catering, and delivery to gas, streaming your favorite content, and travel expenses like airfare, hotels, car rentals, and cruises.
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
5% cash back on your top eligible spend category each billing cycle up to $500 spent.
Earn 20,000 bonus points after spending $1,500 within the first 3 months of account opening, redeemable for $200 in gift cards or travel rewards at thankyou.com.
2X ThankYou® Points per $1 spent at supermarkets and gas stations for the first $6,000 spent per year.
Earn 75,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards on thankyou.com
3X ThankYou® Points per $1 at Restaurants
3X ThankYou® Points per $1 at Supermarkets
3X ThankYou® Points per $1 on Gas Stations and EV Charging Stations
10X ThankYou® Points per $1 spent on Attractions booked through CitiTravel.com
Prime members, get a $200 Amazon Gift Card instantly loaded into your Amazon account's Gift Card Balance upon approval of your credit card application.
2% back at gas stations
5% back at Amazon.com, Amazon Fresh with an eligible Prime membership
2% back at restaurants
5% back on Chase Travel purchases with an eligible Prime membership
Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
3X points at restaurants worldwide
6X points on hotels for eligible purchases at hotels participating in Marriott Bonvoy®.
Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
Earn 10% cash back on purchases with Uber and Uber Eats. Plus, complimentary Uber One membership statement credits every month through November 14, 2024.
Get alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.
50% savings on eligible inflight purchases on JetBlue-operated flights
Enjoy access to can't-miss events across music, sports and dining with exclusive pre-sales, tickets, suite experiences and more. Explore entertainment.
Enjoy access to can't-miss events across music, sports and dining with exclusive pre-sales, tickets, suite experiences and more. Explore entertainment.
You'll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
Enjoy comprehensive, personalized assistance in dining, entertainment and travel'24 hours a day, 365 days a year.
Mastering Chase's 5/24 Rule: Essential Tips for Credit Card Success
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If you're interested in Chase credit cards, there's one rule you absolutely need to know about - the 5/24 rule. Let's break down everything you need to understand about this important policy.
Since June 2015, Chase has maintained what we call the 5/24 rule. The concept is straightforward: if you've opened five or more personal credit cards in the last 24 months, Chase will decline your application for a new card. This applies regardless of your income or credit score.
Chase implemented this rule to discourage short-term card opening for welcome bonuses. They're looking for long-term cardholders rather than those who might open cards just for initial rewards.
Any personal credit card opened in the last 24 months counts toward your total, even if you've since closed the account.
Being an authorized user typically doesn't affect your 5/24 status. If it comes up during your application, you can call the reconsideration line (1-800-453-9719) to clarify your status.
Store-specific credit cards usually don't count toward the rule. Again, the reconsideration line can help if these appear as an issue.
Good news: mortgages, car loans, and leases don't count toward your 5/24 total.
Most business cards don't count toward your 5/24 status. However, be aware that some banks report business cards to personal credit reports, and these will count toward the rule.
The rule operates on a rolling 24-month window. For instance, if you opened your fifth card on September 15, 2022, you'll need to wait until October 2024 before becoming eligible for Chase cards again.
The rule applies to most Chase cards, including:
While the rule is generally strict, there are two potential exceptions:
Watch for the green pre-approval star in your Chase account that says "You are already approved." This might allow you to bypass the rule.
For business cards, applying in person with a business relationship manager and proper documentation can sometimes help your approval chances.
Note: Chase Private Client status no longer provides an exemption from this rule.
Remember, understanding this rule helps you plan your credit card strategy more effectively. Keep track of your application dates and plan accordingly to maximize your chances of approval.
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