Chase 5/24 Calculator
Enter the credit cards you've opened in the last 24 months. We'll count the ones that qualify, flag your eligibility status, and tell you when the next slot opens up.
Add a card you've opened
Add every personal credit card you've opened in the last 24 months — and business cards that report to your personal credit (Capital One business, Discover business, U.S. Bank business).
Your 5/24 status
You're under 5/24 — Chase will consider your application based on the rest of your profile.
Add a card above to start your 5/24 count.
Other issuer rules to know
5/24 isn't the only application rule. Each issuer has their own velocity policies — quick reference:
American Express · 2-in-90
No more than 2 new Amex cards in any 90-day window. Some users see a 1-in-5 (one Amex card every 5 days) soft limit alongside.
American Express · Once per lifetime
Each Amex personal card's welcome bonus is once-per-lifetime per card family. Family pop-ups (the “you previously had this card” warning) cut off many applicants without the bonus.
Capital One · 1-in-6 months
No more than one Capital One personal card every 6 months. Business cards run on a separate clock.
Bank of America · 2/3/4
No more than 2 BoA cards in 2 months, 3 in 12 months, 4 in 24 months.
Citi · 8/65/95
At least 8 days between Citi apps, 65 days between two Citi personal apps, 95 days between two Citi business apps. Some Citi cards have additional 24-month family-bonus restrictions.
FAQ
What is Chase 5/24?
Chase's unofficial rule: if you've opened 5 or more credit cards from any issuer in the last 24 months, they'll auto-deny most of their cards. The rule isn't published but it's been consistently enforced for years on cards including Sapphire Preferred, Sapphire Reserve, Freedom Unlimited, Freedom Flex, Ink Business cards (the rule still applies even if the new card itself wouldn't count), and most United / Marriott / IHG / Hyatt / Disney / Aer Lingus / British Airways co-brands.
Which cards count toward 5/24?
All personal credit cards (regardless of issuer) count. Business cards count only if the issuer reports the account to your personal credit bureaus — Capital One, Discover business, and U.S. Bank business do; Chase business, Amex business, Citi business, Bank of America business, and Barclays business don't. Authorized user accounts technically count but Chase can usually remove them if you call.
How do I get back under 5/24?
Wait. Each qualifying card rolls off the 24-month window on its anniversary plus two years. There's no way to remove a card from the count except deleting authorized-user accounts. The strategy is to stop opening cards from other issuers until the oldest qualifying account ages out.
Do you store my card list?
No. This page is browser-only — refresh the tab and your inputs are gone. If you want persistent application history with per-issuer eligibility tracking (Chase 5/24, Amex 2-in-90, Capital One 1-in-6, Bank of America 2/3/4, Citi 8/65/95), that's what the PointsCraft iOS app's Application Velocity tracker will do.