Getting Approved For Chase 100,000 Point Offer Despite Being Over “5/24”

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The Ink Business Preferred® Credit Card has a new initial bonus offer with lower required spend: to earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. (Previously $15,000 in spend was required to earn these 100,000 points.)

These points transfer to:

  • Airlines: United MileagePlus, British Airways Executive Club, Air France KLM Flying Blue, Singapore Airlines KrisFlyer, Southwest Airlines Rapid Rewards, Virgin Atlantic Flying Club, Iberia Plus, Aer Lingus AerClub, Emirates Skywards, Air Canada Aeroplan
  • Hotels: World of Hyatt, Marriott Bonvoy, IHG One Rewards

Traditionally, Chase hasn’t been willing to approve customers for new cards who have opened 5 or more new card accounts in the past 24 months. This is referred to as “5/24.” However recently there are reports of new card offers from Chase where people do get approved despite being over this limit.

In late winter I was approved for a Ink Business Cash® Credit Card despite being over 5/24. Then in the spring while there was an elevated offer there were several reports of people being approved for the Chase Sapphire Preferred® Card who were over 5/24.

And now there are people saying they’ve been approved for the Ink Business Preferred® Credit Card while being ‘over 5/24’.

As Dan’s Deals opines, this “often align[s] with the start or end of a new best ever offer.”

Since it’s possible to have multiple Ink Cards, for a single business or for more than one business, I’ve added the Ink Business Preferred® Credit Card to my list of ‘wants’ that I plan to apply for.

There are a lot of things that go into a credit approval, from credit score to income to total credit that’s been extended to name just a few. And to be sure, some people reported denials when they were over 5/24!

My point is that you might apply for a new card and let Chase decide rather than not applying at all, and I hope you’ll share back your own experiences here.

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of advertisers Citibank, Chase, American Express, Barclays, Capital One or any other advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.



  1. Chase is lagging Amex here — Amex will tell you upfront something like, “Heads up: You’re ineligible for the bonus offer. We haven’t run your credit yet. Would you like to proceed, forgoing the bonus?”

    5/24 is a simple rule, but simple rules are hardly the best ways to maximize profit.

    I also think it’s really stupid that when I applied for a Chase Hyatt Visa while I was at 7/24, they first declined me with an unspecified reason, then they snail mailed me a letter saying I’ve opened too many cards. I know the snail mail costs Chase an infinitesimal fraction of a penny to send, but the negative sentiment it generates is probably not being measured. Why not adopt the Amex approach?

  2. Pretty sure business credit cards are never subject to 5/24 since they are not associated with your personal credit report at least other commentators online have repeatedly stated this as a fact.

  3. @NorthVandea – Chase has in the past imposed 5/24 limits when approving for small business cards (but small business cards from issuers who do not report those to personal credit do not *add to* your 5/24 total, and this includes small business cards from Chase).

  4. Whoa! I spoke too soon. I got an immediate email saying I have been approved.

    Gary, this is the most valuable tip I’ve gotten in the past few weeks. There is no way I would have applied without your post. I’m well over 5/24. I’ve got a great abundance of AMEX points and not so many Ultimate Reward points. I use the latter more frequently, whether for Hyatt stays or United partner awards. I’m thrilled to be able to easily earn 100K UR points. Thank you. Thank you. Thank you.

  5. I’m at 5/24 and was denied. I already have 1 other business card. Over 800 rating, never missed a payment in 50 years. I called and they cared less. Only card I’ve ever been denied for.

  6. Does anyone know if you can open a new account for a different business and get the bonus if you currently have this card for another small business?

  7. Denied. I’m 6/24, credit score 820, and have a real business. I wasn’t denied because of my credit, I was because this was based on shady information that Gary either exaggerated or didn’t properly vet. It’s just another one of his clickbaits to get people to read. Now I’ll have a 3 or 4 point ding on my credit because I tried to listen to something he had to say.

    Sure, Gary – we can go read another blog when you post crap. Or even better, when you post something like “Naked Woman Bites Police….” – or a piece of bad credit card advice – we can go to another blog’s link to sign up.

  8. @bo – how about the people above who are over 5/24 and were approved? I write that being over 5/24 does not guarantee approval. I do not know why Chase did not approve you, but there are others being approved despite 5/24. I am sorry to hear you are not one of those people. But there’s nothing shady about this information, it’s accurate (and appreciate by several who have been approved!) and you sound bitter.

  9. Legit business.
    Applied today and got approved in spite of being 8/24 (5 personal +3 business)
    The 8th one was applied and approved for just yesterday.

    Thanks Gary – I would not have applied but for your post.

  10. Thanks Gary for your article. I had applied after seeing this mentioned on Dan’s Deals and was approved. I am actually around 800 and 3/24 but this was my second identical Ink for my business (legitimate) and in the past Chase has quickly rejected my business card applications since I also have a lot of credit with Chase Business cards. It took several days to be reviewed but was ultimately approved. It is always buyer beware so it is good to know of these opportunities and then make one’s own decision.

  11. 9/24 – declined. I had a security freeze on one of the bureaus, so I had to unfreeze and then call back to have the application processed; it’s possible that messed up the potential for a 5/24 exception.

  12. I just referred from my new account. My husband, also over 5/24, was approved. 40K for me and 100K for me.

  13. Approved instantly despite 8/24. Thanks for the heads up!. My business is legitimate, but very much.a side hustle, more a hobby than a money maker. I already have one Chase card for the same business.

  14. “Bo” you are a troll and it would be better off for this blog if you went elsewhere spewing your hate and venom there. Many people including my wife recently were approved while over 5/24 for Chase products. Thanks again Gary.

  15. Under 5/24 but have been waiting more than a week after the application went “pending.” In the past, after a few days I’m able to tell that the account has been approved because a new account shows up in our account list at So far still waiting and am hoping not denied. Already have 4 other chase business cards with fairly low credit limits (around $5k). Maybe they don’t want to extend any more credit.

  16. I clearly recall previously reading a nearly identical post here and based on the comments it appears that it was previously posted in July and again in August. In contrast to other blogs and websites, there’s no indication that it was posted previously, no mention of updated information. Gary, in the interests of courtesy and journalistic integrity it behooves you to accurately date (and re-date if appropriate) your blog posts, it would be helpful and polite to indicate the changes to a rehashed post. Thank you.

  17. Just got approved at 7/24. Applied online and received the pending review status instantly. Called reconsideration line and was approved within a few hours.

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