Chase 5/24 calculator
Add the cards you've opened in the last two years. We'll tell you where you stand, which cards count, and the exact day each one stops counting. Sign in to save it with your wallet.
You're at 0/24 — 5 new personal cards before you hit 5/24.
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Common questions
What is Chase's 5/24 rule?
Chase generally declines applications for its cards if you've opened five or more personal credit cards from any bank in the past 24 months. It isn't published, but it's consistently reported by applicants.
Which cards count toward 5/24?
Personal credit cards from any issuer count, including store cards and cards where you're an authorized user (Chase may ignore those if you ask). Most business cards don't count because they don't appear on your personal credit report — but business cards from Capital One, Discover and TD Bank do.
When does a card stop counting?
The usual data point is the first day of the 25th month after you opened it. A card opened in January 2025 stops counting on February 1, 2027.
Do denied applications count?
No. Only accounts that were opened count toward 5/24, though each application still adds a hard inquiry.
5/24 is an unpublished Chase policy based on applicant reports; Chase can change it at any time. PayWithThis isn't affiliated with any issuer.