For those of you that don’t know about the Chase 5/24 rule, we’ve built a separate guide on understanding the implications of the Chase 5/24 rule. If the credit bureau Chase pulls for you shows 5 or more cards open in last 24 months, then Chase will generally deny you certain cards. However, there are some Chase cards not subject to 5/24. The above photo is from our travel experience to go see a Toronto Raptors game at the Air Canada Center. This was a great experience. Toronto is a fun town. Go in the summer, so you can enjoy the lake and warm weather.
List of Chase Cards Not Subject to 5/24 Rule (And How to Travel Hack!)
One of my favorite quotes from Eugene Fodor is below. This really sums up the experience of credit card churning. You don’t have to have significant sums of money to be able to travel the world and explore. Credit card churning is not a prerequisite, either. One can explore their own hometown. However, with credit card churning, one is able to explore and see the world for relatively no cost. You don’t know when the music will end to the party, so enjoy it while it is still playing.
“You don’t have to be rich to travel well. ”
– Eugene Fodor
Chase credit cards are the best cards to use for travel hacking. Chase offers some of the best options in terms of hotel points, airfare points and cash back. In order to participate in travel hacking, you need to prioritize your credit cards appropriately.
With the Chase Ultimate Rewards program’s flexibility, you need to prioritize all Chase credit cards first. However, there is a set of Chase cards not subject to the 5/24 rule that you can obtain if you are over the limit.
If credit cards are not for you, there are plenty of ways to participate in travel hacking without credit cards. As a credit card churner (or travel hacker), I love to obtain new credit cards to fill up my points balances. This allows me to travel around the world for little to no cost.
Try reviewing the basics of credit card churning if you want to get started.
Well the first tool that is a must-have is my travel hacking spreadsheet that is completely free to download. My travel hacking spreadsheet includes:
- Credit card churning tracker
- Manufactured spending tracking
- Hard pull credit inquiries
Background on the Chase 5/24 Rule
Chase Ultimate Rewards is one of the best travel rewards programs and portals among the big banks. Chase offers some of the most lucrative credit card rewards bonuses that also combine the highest flexibility.
In light of that, Chase has recently installed a new rule that limits the likelihood of approval. Due to the Chase 5/24 Credit Card Rule, I would suggest that you start with Chase cards first for two reasons:
- Chase credit cards offer best in breed bonus points and
- Not many other banks / credit cards have this limitation so prioritize accordingly.
However, if you are over the Chase 5/24 rule there are several Chase cards that are not subject to the 5/24 rule. You are not SOL (shit out of luck). You still have options. These cards are typically business cards or credit cards that are partnered with an airline or hotel.
Credit card churning is a marathon and not a spring, so always remember that. If you are over 5/24 and continue to do credit card manufacturing make sure you tread lightly.
Please remember that we do not carry balances over with credit card churning. If you need guidance on credit card debt, please find ways to settle your existing credit card debt.
Credit Card Manufactured Spending with Chase Cards
Luckily, credit card manufactured spending with Chase is safe (for now). The Chase 5/24 rule does not have much to do with credit card manufactured spending. I believe that Chase continues to be one of the most friendly banks for credit card manufactured spending. There have been limited red flag data points suggestion clawbacks on bonuses or rewards points.
Also, the legal language in the Chase applications do not implicitly call out manufactured spending tactics such as gaming, gift card purchases or funding bank accounts with credit cards.
There are plenty of ways to continue to do credit card manufactured spending. However, the manufactured spending options are dwindling. Find something that works best for you and keep it relatively quiet. You don’t want your favorite grocery store banning money order purchases with a gift card.
List of Chase Cards Not Subject to 5/24
There are several high-quality credit cards that offer lucrative travel benefits and bonus points that you can use even if you are over the Chase 5/24 rule.
I personally really like the Ritz-Carlton credit card. You are able to obtain 2 free nights at certain Ritz-Carlton hotels. This is a great chance at living large for a weekend!
Ritz-Carlton Laguna Niguel
Here are the Chase Cards Not Subject to 5/24 Rule
Here is a list of the Chase cards that are not subject to the 5/24 rule (in no particular order). In our list, we have also included the corresponding travel benefits and points associated with credit card spending to help you weigh your options in selecting a Chase credit card.
The Ritz-Carlton Rewards® Credit Card
Ritz-Carlton Rewards Bonus Offer: Two complimentary nights at any participating Tier 1-4 Ritz-Carlton hotel, after you spend $4,000 on purchases in the first 3 months from your account opening with your Ritz-Carlton Rewards Credit Card.
- Enjoy a $300 annual travel credit to use for baggage fees, seat upgrades, access to your preferred airport lounge and more.
- Upgrade to The Ritz-Carlton Club® Level 3 times annually on paid stays of up to 7 nights.
- Annual Fee: $450
IHG® Rewards Club Select Credit Card
IHG Rewards Club Bonus Offer: 60,000 bonus points after you spend $1,000 on purchases in the first 3 months of account opening.
- Earn IHG® Rewards Club points on every purchase and 5 points per $1 spent when you stay at IHG®hotels.
- Annual Fee: $0 intro annual fee for the first year, after that $49.
The Hyatt Credit Card
The Hyatt Card Bonus Offer: 40,000 Bonus Points after you spend $2,000 on purchases with the Hyatt Credit Card in the first 3 months from account opening.
- Earn Bonus Points on every purchase, 3 Bonus Points per $1 spent at Hyatt hotels, plus, 1 free night every year.
- Annual Fee: $75
British Airways Visa Signature®card
- British Airways Bonus Offer: Earn up to 75,000 bonus Avios. Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months of account opening. Plus earn an additional 25,000 bonus Avios after you spend $10,000 on purchases within your first year of account opening.
- Earn Avios on every purchase and 3 Avios per $1 on British Airways purchases.
- Annual Fee: $95
Marriott Rewards® Premier Business credit card
Marriott Business Credit Card Bonus Offer: 75,000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier Business credit card.
- Earn points on every business purchase and 5X at Marriott.
Annual Fee: $0 intro annual fee for the first year, after that $99.
With all of these cards and bonuses, this is certainly a ‘your miles may very’ situation. The bonus offers associated with Chase cards not subject to 5/24 are currently as represented by the Chase website page. There is a chance that these bonus offers could be greater if you are targeted by Chase directly.
Also, each credit card represents different offerings (and depending on your current credit card portfolio) one credit card might better suit your needs. For example, for work I always stay at a Marriott or Starwood Hotel so the Ritz-Carlton or Marriott Business rewards credit cards would most likely suit me best.
If you are applying for a Chase business card, be sure to respect Chase’s 2/30 rule. The Chase 2/30 rule is exactly similar to the Chase 5/24 Rule, but it applies to business cards. You cannot open two Chase business cards within a 30 day timeframe.
This is to limit excess accounts. If you have opened the Chase Ink Preferred and the Marriott Premier Business card in the last 30 months, you cannot open another Chase business card.
Beware of Chase Credit Card Shutdowns
There have been several reports of Chase credit card shutdowns. For example, Travelin Points received a notice from Chase regarding their credit card shutdown. This was likely closed due to too many accounts and inquiries.
In addition, I suggest that you monitor the FlyerTalk forums to monitor different datapoints on how to avoid shutdown. There are a number of active churners on the forum that will help you navigate your situation on if you are likely in a Chase shutdown spot or your likelihood of approval for another Chase credit card.
Chase shutdowns are becoming more common, so please monitor the situation fluidly. The main causes for the reported Chase shutdowns appear to be relating to applying for too many Chase credit cards in a short period of time and applying for a new Chase credit card if you are over 15/24.
That is 15 credit cards in a 24 month span. Like I said before, credit card churning is a marathon and not a sprint. With that being said, you should not open more than 1 new Chase credit card every quarter (3 months) while below the 5/24 rule.
Also, do no apply for any new Chase card if you are above 15/24. There are plenty of other banks out there that you can target if you are above the 15/24 credit card mark.
Concluding Remarks on Chase Cards Not Subject to 5/24
Traveling the world is easier now than ever before. If you are under the Chase 5/24 rule there are several credit cards that you can obtain now to get some great rewards and dip your toe into the world of credit card churning.
Once you have done it with a couple of cards, you officially become a ‘churner.’ There’s certainly more to travel hacking than just becoming a churner. Here are some travel hacking tips I learned in Japan.
How about if you are over the Chase 5/24 rule? You should be more diligent in your credit card churning plans. Do your homework and research before applying for that next credit card.
At the same time continue to find the credit cards that provide the most value to you. You just don’t know when the music will stop, so enjoy it while it lasts. Grab at least one of the Chase cards not subject to 5/24. These credit cards offer some great rewards for you to build on your travel experience.
Related Resources:
- My 2 Days in Amsterdam Itinerary
- Best Credit Cards to Churn for Travel Hacking
- VAT Reclaim Overview: How to Get All Your Money Back
What are you favorite Chase cards not subject to 5/24? Are you above or below the 5/24 rule? Let us know in the comments below. We’d love to hear from you! Like what you are seeing?
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