Chase’s informal 5/24 rule counts most personal credit cards you’ve opened in the last 24 months. Many business cards do not count, so you can build points and miles while preserving eligibility for Chase personal cards.
Choose a business card based on real spending patterns: low-fee flat earners for light business spend, category-focused cards for bonus spending, and premium business cards if you’ll meet higher spending thresholds for big welcome offers.
Chase's 5/24 guideline means applicants who opened five or more personal credit accounts in the past 24 months will likely be denied new Chase personal cards. Chase has not publicly confirmed the rule, but crowdsourced data support its existence. Personal accounts—including some store cards and cards without preset spending limits—count toward 5/24. Business credit cards usually do not.
That makes business cards a practical route to earn points and miles while keeping Chase personal-card options open. Below are six business cards the article highlights, with what they're best for and the welcome offers reported.
Express — Everyday business spending
Ink Business Unlimited Credit Card — Simple cash back
Citi / AAdvantage Business World Elite Mastercard — American Airlines loyalty
Ink Business Preferred Credit Card — Business bonus categories
Marriott Bonvoy Business American Express Card — Marriott loyalists
Chase Sapphire Reserve for Business — Premium business travel
Using business cards that typically don't count toward 5/24 lets you accumulate rewards without jeopardizing future Chase personal-card applications. Match the card to your real spending behavior so you can reasonably hit the welcome-offer thresholds and get ongoing value.
You may have heard about Chase's infamous 5/24 rule for credit cards, but what does it mean and how does it work? Read our comprehensive guide to find out.
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While there are lots of excellent business credit cards out there, I’d argue that Chase’s portfolio of business cards — including the Ink Business Preferred Credit Card, Ink Business Cash Credit Card, Ink Business Unlimited Credit Card, and Sapphire Reserve for Business — are among the most compelling. I say that from
While there are lots of great business credit cards, Chase has what I’d consider to be the best portfolio of business credit cards, with the Ink Business credit card lineup. These offer everything I look for in cards — great welcome bonuses, big spending category bonuses, and useful perks.
Use our guide to help you accurately complete a Chase business credit card application and avoid potential pitfalls.
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