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Chase 5/24 calculator
Add the open date and type of each credit card you opened in the last two years to see how many count toward Chase 5/24 and when you drop below five. 5/24 is an unofficial rule based on reported data points; Chase does not publish it today.
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Add the open date of at least one card.
Tools use the numbers you enter. They do not check live terms, eligibility, limits, account balances or whether a quote is still available.
How does the Chase 5/24 rule count your cards?
5/24 is an unofficial rule based on reported data points; Chase does not publish it today. Similar wording briefly appeared on a 2016 Sapphire Reserve application and was then removed. As commonly reported, Chase declines many of its card applications when your credit report shows five or more new card accounts opened in the past 24 months, from any bank.
The count is the number of personal and authorized-user cards with an open date inside that window. Data points reported by Doctor of Credit say the window runs by calendar month: a card stops counting on the first day of the month after its 24-month anniversary, so a card opened January 8, 2024 stops counting on February 1, 2026. Some data points put it a month earlier, so the calculator uses the later date.
The date you drop below five is the first day enough cards have aged out to leave four or fewer. Cards you open after the check date are added on their open date, so a planned card can push that date back.
Business cards are left out because, as reported, most issuers keep them off your personal credit report. Reports say Capital One and Discover business cards do appear there, so enter one of those as a personal card. Authorized-user cards usually appear on your report and count, though some people report that Chase left them out after a reconsideration call, so the calculator also shows the count without them.
Frequently asked questions
What is the Chase 5/24 rule?
It is the commonly reported pattern that Chase declines many credit card applications from people who opened five or more personal cards, authorized-user cards included, from any bank, in the past 24 months. Chase does not publish it today, so it is based on reported data points.
Do business cards count toward 5/24?
Reports say most do not, because issuers such as Chase and American Express do not put business cards on your personal credit report. Business cards that do appear there, reported for Capital One and Discover, count like personal cards.
Do authorized user cards count toward 5/24?
Usually, yes, since they appear on your credit report. Some people report that Chase removed them from the count after a reconsideration call, which is why the calculator shows the number with and without them.
When does a card stop counting toward 5/24?
Reported data points say on the first day of the month after its 24-month anniversary. A card opened March 15, 2024 would stop counting on April 1, 2026, and some people report it a month earlier.
Are the dates I enter saved?
No. They stay in your browser while the page is open and are never saved or sent. Reloading the page clears them.
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