5/24 rule
An informal Chase application guideline: Chase may decline most new personal card applications if you have opened five or more personal credit cards from any issuer in the prior 24 months. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.
LAST REVIEWED • snapshot 2026-06-01
What is 5/24 rule?
An informal Chase application guideline: Chase may decline most new personal card applications if you have opened five or more personal credit cards from any issuer in the prior 24 months. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.
How is 5/24 rule used on Madeen?
Madeen uses "5/24 rule" consistently across card pages, blog posts, and the encyclopedia. Issuer terms remain authoritative for your accounts. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.
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Frequently asked questions
What does 5/24 rule mean?
An informal Chase application guideline: Chase may decline most new personal card applications if you have opened five or more personal credit cards from any issuer in the prior 24 months. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.
Does Madeen guarantee approval or bonus eligibility?
No. Madeen summarizes public catalog and issuer information for education. Approval, offers, and benefit enrollment are controlled by issuers and can change. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.
Issuer names, card product names, and related marks are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, or endorsed by any card issuer. Madeen is an independent credit-card comparison and education service.
Madeen analysis. Data from catalog snapshot 2026-06-01. Last reviewed 2026-06-01. Reviewed by Madeen editorial review. Issuer pages control rewards, fees, benefits, and eligibility.