There’s Hope! Possible New Way to Bypass Chase 5/24 Rule

This post may contain affiliate links; please read our advertiser disclosure for more information.
Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Links in this post may provide us with a commission.

There might be some hope for many of us who are way over 5/24. It’s not guaranteed but there’s a chance that you can go for some of the best bonuses, which are not even available publicly.

Chase 5/24 Rule

Chase 5/24 Rule

Most of you should have heard by now about the Chase 5/24 rule. You application for certain Chase cards are not approved if you’ve opened more than 5 bank cards in the last 24 months. Some believe it doesn’t exist, but Chase made it semi-official a while back.

The following cards fall under the 5/24 rule:

  • Chase branded cards such as Freedom, Slate & Sapphire Preferred
  • Chase Ink Business Cards
  • Marriott Co-branded personal card
  • United Co-branded cards
  • Southwest Co-branded cards

The following cards are thought to not be under the 5/24 rule:

  • IHG Rewards Club
  • Hyatt
  • British Airways
  • Disney
  • Amazon
  • AARP
  • Fairmont
  • Marriott Co-branded business card

New Way to Bypass 5/24 Rule

A post on r/churning gives details about a new possible way to get around the 5/24 rule. It involves a business relationship manager and it can get you approved for business cards. What’s even more appealing, is that you’re able to get bonuses that are no longer available publicly, such as 100K for the Chase INK Preferred, or $500 for Chase INK Cash.

A business relationship manager (BRM) is different from a CPC banker and not every branch has one. If you can get a BRM to put your application through, then it is handled through a specialized business lending department who doesn’t deny applications based on 5/24. It has to be a paper application, not online, to go through these channels. The application process takes a bit longer and recon, if necessary, is also done by this same specialized business lending department.

Getting a BRM to put your application through is the key. If you have a good relationship with any Chase employees, you could ask them to get you in touch with a BRM.


This is not a guarantee, but just a possible option that has worked for one person or maybe a couple of people. You could also check for pre-approved offers in branch. And this is a reminder to always be friendly and polite to bank staff, especially at Chase.

Let us know if you have experienced anything similar or if you try it out.

HT: r/churning & Doctor of Credit

Based in NYC. Points/miles enthusiast for years and actively writing about it for the last two years at Danny the Deal Guru. I'm always looking out for deals. Making a few bucks is always nice, but the traveling is by far the best part of this business.

More Like This


Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


  1. I’m well over 5/24. Just got an Ink preferred for a separate business with it’s own EIN. Had to call and verify things for a long time – mainly because I also applied for Marriott that same day. Big no-no. One at a time!

  2. Good to know…I’ve applied for Chase Marriot Business Credit Card and was approved. Not automatically. I have over 12 credit cards in last 24 months.


Please enter your comment!
Please enter your name here


  • MtM recommended tool to track & organize credit cards
  • Best card offers personalized for you
  • Track bonus deadlines, fee dates & 5/24 status
  • Full Travel Freely overview

Free Sign-Up

moomoo - 2 Free Stocks!

Brokerage app moomoo is offering 2 Free Stocks! Just open an account and fund with $500 to get your stocks! Super easy.
Grab your 2 free stocks now!

Subscribe To Our Newsletter

Join thousands of MtM readers who are subscribed to receive a once daily email with all of our posts. Never miss out!

You have Successfully Subscribed!