Chase Bank is renowned for its premium credit card rewards, but also enforces strict application policies, most notably the widely discussed “5/24” rule. While never officially confirmed by Chase, data shows applicants with five or more credit accounts opened in the past 24 months are likely to be denied new Chase cards. This applies to most personal cards, but many business cards bypass this restriction, allowing savvy consumers to continue earning rewards without jeopardizing future Chase applications.
This article details six business credit cards that won’t count toward Chase’s 5/24 rule, enabling you to strategically accumulate points and miles while remaining eligible for high-value consumer cards. All point and mile valuations are based on current market assessments.
Leveraging Business Cards to Stay Eligible
The 5/24 rule is a significant hurdle for frequent credit card applicants. By utilizing business cards, even for side hustles or small ventures, you can bypass this limitation and maintain access to Chase’s lucrative welcome bonuses.
Important Note: While business cards sidestep the 5/24 rule, other issuers may have their own restrictions. Always review terms and conditions before applying. Additionally, keeping business and personal spending separate is crucial for tax purposes and avoiding account closures.
Top 6 Business Cards to Bypass the 5/24 Rule
Ink Business Preferred Credit Card
- Welcome Offer: 100,000 bonus points after $8,000 in purchases within the first three months. (Valued at $2,050)
- Annual Fee: $95
- Why it Matters: The Ink Business Preferred doesn’t count toward 5/24. It earns valuable Ultimate Rewards points redeemable through Chase’s transfer partners, including hotels and airlines. Perks include primary car rental insurance and cellphone protection.
Apply here: Ink Business Preferred Credit Card
Citi / AAdvantage Business World Elite Mastercard
- Welcome Offer: 75,000 bonus miles after $5,000 in purchases within the first five months. (Valued at $1,275)
- Annual Fee: $0 introductory, then $99
- Why it Matters: This card provides access to American Airlines’ AAdvantage program, offering strong redemption options through the Oneworld alliance. Benefits include free checked bags, in-flight discounts, and companion certificates.
Apply here: Citi / AAdvantage Business World Elite Mastercard
Marriott Bonvoy Business American Express Card
- Welcome Offer: Three free night awards after $6,000 in spending within six months; two additional awards after another $3,000. (Valued up to $1,750)
- Annual Fee: $125
- Why it Matters: This card offers generous Marriott Bonvoy rewards, including complimentary Gold Elite status and annual free night awards. Chase Ultimate Rewards points also transfer to Marriott, maximizing redemption options.
Apply here: Marriott Bonvoy Business American Express Card
Ink Business Unlimited Credit Card
- Welcome Offer: $750 bonus cash back after $6,000 in purchases within three months.
- Annual Fee: $0
- Why it Matters: The Ink Business Unlimited provides unlimited 1.5% cash back on all purchases, making it ideal for simplicity. Pairing it with a Chase Ultimate Rewards card allows you to pool rewards and access transfer partners.
Apply here: Ink Business Unlimited Credit Card
Hilton Honors American Express Business Card
- Welcome Offer: 175,000 bonus points and a free night reward after $8,000 in purchases within six months. (Valued at $875 plus a free night)
- Annual Fee: $195
- Why it Matters: This card is a strong choice for frequent Hilton stays, offering 12 points per dollar spent at Hilton properties and automatic Hilton Gold status.
Apply here: Hilton Honors American Express Business Card
The Blue Business Plus Credit Card from American Express
- Welcome Offer: 15,000 bonus points after $3,000 in purchases within three months. (Valued at $300)
- Annual Fee: $0
- Why it Matters: This card is accessible even for businesses with lower annual spending, offering 2 points per dollar spent on all purchases up to $50,000 per year.
Apply here: The Blue Business Plus Card from American Express
Key Considerations for Strategic Applications
While business cards effectively bypass the 5/24 rule, issuers may have their own approval criteria. It is also important to keep business and personal finances separate for tax compliance and to avoid potential account closures.
Bottom Line: Chase’s 5/24 rule is a significant factor for reward card enthusiasts. Business credit cards offer a viable workaround, allowing you to continue accumulating points and miles while remaining eligible for Chase’s premium consumer offerings. Strategic timing and adherence to issuer policies are crucial for maximizing rewards without jeopardizing future applications.
