Chase Has Dropped 5/24 On Some Cards: Amazon For Sure & Maybe Others

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Chase Has Dropped 5/24

Chase Has Dropped 5/24 On Some Cards: Amazon For Sure & Maybe Others

Doctor of Credit reported that Chase has dropped 5/24 on some cards during the wee hours of the night.  There are data points coming in all over the place on Reddit, MyFico and in the DoC comments.  It appears there are a few cards that people are saying are not subject to Chase 5/24.  Let’s try to weed through this mess of data points.

Chase Has Dropped 5/24 On Which Cards?

There are currently 3 cards that are suspected to not be under 5/24, at least for some people:

Chase Has Dropped 5/24

Let’s start off with the sure thing, the Amazon Prime Rewards Visa. I have seen numerous data points of people getting approved for this one while over Chase 5/24. The current offer is a $200 gift card upon approval plus 5% earning on Amazon for Prime members. No more chasing down Amazon gift cards! It would kind of make sense since Amazon has not been very happy with Visa lately and this may be an effort to smooth things over with them.

The other reports are for Southwest personal cards, like the Southwest Rapid Rewards Plus, and the United Explorer card.  This is tempting because the Southwest cards currently have a tiered welcome offer worth up to 100,000 Rapid Rewards points. The United Explorer Card has an offer of 60,000 miles after spending $3,000 within the first 3 months. The United Explorer card is currently bottom half of the pack for Chase personal card welcome offers, while the Southwest cards are near the top currently.

The positive data points on these are much less plentiful. One Reddit user says they think it has to do with status with the airlines. Some people will get past based on having status with Southwest or United. I am not sure if that has any merit or not but approvals seem rare in this case. It may be worth trying anyway if you really want the Southwest offers in an attempt at a Companion Pass next year.

Chase Has Dropped 5/24 On Some Cards – Final Thoughts

If you want to grab a $200 Amazon gift card for the holiday shopping season then I think the Amazon Prime Rewards Visa is a likely approval. As far as the United and Southwest cards? I think you have a better shot with a Venture X approval. If you have status with either airline and want to give it a shot anyway let us know how it goes in the comments.

There are some risks that an application will put eyes on your account if you are well above Chase 5/24. That is something to be aware of and consider before you go for a $200 offer. If approved it will also add a slot to your Chase 5/24 count. But, if you have been wanting an Amazon card for 5% back for a while then now may be your chance. If Chase loses the contract with Amazon maybe it turns into a Chase Freedom Flex or something. One can only hope :).

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. Capital One…ha. Applied for Venture X, no dice. Rejected! Just like the past. NEVER applying for Capital One again. The only viable strategy I can think of is to get one of their low end cards which are pre-approved, then someday apply for another one…but too much work now.

  2. I applied for the Amazon Prime Card and got approved. Currently sitting at 9/24, with 24 hard inquaries within the past 25 months (a couple of them were for car loans). My most recent hard pull was 2 weeks ago, and I do have a Checking and savings account with chase alongside a Roth IRA set up. I also have one Freedom Unlimited I opened up back in April of 2020 with a $6800 credit line.

    I got instanly approved for this card today with a Credit Line of $12,900 and already got the 200 bonus deposited into my Amazon account. I applied through Amazon and not through the Chase portal. Hope this helps as a data point.

  3. Have a negative Datapoint on the SW card. I applied last week and received a rejection for too many cards opened in the last two years. I hope others have better luck than I did.

  4. Mark, can one product change from any of these cards to any of Chase’s “regular” cards? Freedom, Sapphire?


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