In addition, business cards with TD Bank, Capital One and Discover are included. Since Chase uses the data from your personal credit report to count towards 5/24 when you apply for Chase personal cards, if some business credit cards are not reported on your personal credit report, then they won’t be counted. But there are some ways to get a new Chase credit card without it counting toward your total or while having more than five open accounts in that time frame. Chase is unlikely to approve you for a credit card if you’ve opened five with any bank in the last 24 months. I addressed your first question via email. Sarah Page Maxwell. Chase counts all new accounts it sees on your personal credit card report toward its 5/24 total. Retail credit cards that you open. These personal credit card accounts do not have to be with Chase – any personal credit cards open with any bank within those 24 months count against your 5/24 status. Check out this Flyertalk thread to see data points. Business credit cards need some special discussion. Generally, all personal credit cards, including charge cards and retail store cards, are factored into your 5/24 count. Hi Sean. Chase’s infamous 5/24 Rule has easily become the bane of rewards junkies everywhere by putting the majority of its credit cards out of reach for even those with excellent credit scores. For the most part, retail store cards only count if the card can be used outside of a specific store and is part of American Express, Discover, MasterCard or Visa’s payment network. That number includes new consumer credit card accounts I’ve opened in my name, but also credit card accounts on which I’ve been added as an authorized user. Even if you later close these accounts, they still are counted. Also, loans and other non-credit card accounts do not count. From 6/1/20 through 6/30/21, gas station & grocery store purchases will also count towards earning your Travel Credit; ... invitation-only cards, either. September 27, 2016, 8:25 am. However, many business credit cards — including those issued by Chase — aren’t considered when Chase determines your 5/24 standing. The credit card rewards arena can be confusing and intimidating when you first enter. What doesn’t count are most business credit cards. So to summarize: if you’ve opened five or more new credit cards within the last 24 months, you will not be approved for a new Chase credit card – business or personal. There are an infinite amount of credit cards to choose from, and so many factors to consider when applying for a credit card.While credit score, income and employment are important criteria in getting approved for a card, another key factor to keep in mind is the Chase 5/24 rule. Second, do store cards count towards 5/24 (i.e. Which of My Accounts Are Included in the 5/24 Count? Second, some do and some don’t. All personal credit card accounts count toward the rule: charge cards, certain store cards and authorized-user accounts. Reply. As of this writing, I’m at 8/24, based on what Chase counts as a new credit card account. For example, these are things like house mortgage, auto loan, and lease agreements. Accounts that may count in the Chase 5/24: New personal credit cards that you open at any bank. a Macy’s store card)? What Counts Toward the 5/24 Amount? Store credit cards with one of the major payment networks (Visa, Mastercard, American Express, or Discover) ... which means their business cards count towards your 5/24 status: Anyone know if these will get me denied for a Chase card? What is the Chase 5/24 rule and how does it work? I'm currently at 4 cards in 24 months without store cards, but will be bumped up to 6 with store cards. Do store cards (Target, Express, Macy's) count towards Chase 24/5 limit? Its 5/24 total at 8/24, based on what Chase counts all new accounts sees. 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