Is Chase Expanding 5/24 To Other Cards? Data Points Don’t Look So Good

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Is Chase Expanding 5/24 To Other Cards?

A reader, that I met at one of our Detroit area meetups, reached out to tell me his wife was denied for a Chase World of Hyatt card yesterday.  Chase quoted too many cards in the last 24 months as the reason.  When the Chase launched the World of Hyatt card they were forthcoming with their plan to put it under the 5/24 rule.  With only one data point I couldn’t be sure if 5/24 was the cause of the denial or not.

Because of that I decided to put it out there to our Miles to Memories Facebook group yesterday asking for data points. The most recent data point I could get was an approval around a week ago.  Today the denial reports are starting to pile up on Reddit.

Doctor of Credit did a nice job of breaking down the Data Points.  Reddit shows 6 recent denials (7 if you include the reader who contacted me) for the Hyatt card. Most cited too many applications in the last 24 months.  The data points for the IHG card and the British Airways card were positive so far.


A lot is still unknown since the info is just starting to roll in.  My thoughts are that 5/24 has been enacted on the Hyatt card like Chase promised.  They said it would roll out there first and then eventually to other cards.  I think it is likely that we could see IHG and British Airways added in the near future.  If you were planning on getting one of those cards I would do it sooner rather than later, unless you are on 5/24 ice.

This would be a big blow to the Chase portfolio. Hyatt was by far the best non 5/24 card out there.  It is also one of my favorite cards available right now.  I guess I may have to take Chase up on their puny upgrade offer for my wife.  She won’t be able to get the new version any other way.

Mark Ostermann
Mark Ostermann is a father, husband and miles/points fanatic. He left the corporate world after starting a family in order to be a stay at home dad. Mark is constantly looking at ways to save money and stay within budget while also taking awesome vacations with his family. When he isn't caring for his family or taking a weekend trip, Mark is working towards his goal of visiting every Major League Baseball ballpark.

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  1. @Barry – not so much the old Hyatt card, but WOH card is invaluable to some of us. I personally almost never stay at category 4, and sure, you can always transfer points from Chase if you need them, but! those elite qualifying credits are priceless if you are just little short of making Globalist. In my books, this card is golden. But of course it depends on your personal situation.

  2. I sort of suspected it for a while now. In April I applied for BA card (the one that is said to not be a subject to 5/24) and was denied with “too many recent accounts open” letter.
    I am lol/24, but I have very high FICO and income, and I have several other Chase cards on two of which I became an AU in the past year. So I decided to give reconsideration a shot. They asked me a lot of questions (including – which I found weird – what part of family income I contribute to the total) and why I want this card specifically. They didn’t give me a definite yeas or no, but in a few weeks I received the card. So – even though I eventually got it – I thought they were beginning to tighten the screws. So maybe for now all the cards that are not subject to 5/24 are hit or miss, but I am pretty sure they are going that route.

  3. My wife was approved for Hyatt card around 2 weeks ago. They reallocated $24k from another card.
    I want to apply for IHG, but so far can’t find 100k bonus offer. I guess I’m going to apply for 80k offer.

  4. I wouldn’t be too bummed. If you have the old Hyatt card, you’re saving $20 on the annual fee. Plus you only need to spend $6000 at 5X using the Ink Cash card to get the same value of Hyatt points (2 free nights in cat 4) instead of spending $15,000 on the new Hyatt card.

  5. I received the Hyatt card about a month ago. I’m at wtf/24, although Chase didn’t give me any additional credit, just reallocated what I currently have over 5 Chase cards.

    • Thanks Patrick. I think this kicked off in the last day or two so I am glad you were able to get it before the change!

  6. I’m at 4/24 and am currently going for my minimum spend for IHG. Will it start to count my IHG as my 5/24 or will I still be at 4/24?

  7. I contacted Chase by SM a few weeks ago about an upgrade offer on the Hyatt card. I was told the offer of 2,000 points expired Sept 30 and there is no offer at this time. Bummed.


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