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If you maximize travel credit cards, you have probably heard of the Chase 5/24 rule. Since Chase has a large suite of great travel credit card products you will want to know which Chase credit cards fall under the 5/24 rule and which Chase cards don’t.

What is the Chase 5/24 Rule?

If you’re unfamiliar with the Chase 5/24 rule, let’s get up to speed.

On select Chase credit cards, Chase will deny your application if you have been approved for at least five or more credit cards in the past 24 months (i.e. 5 cards in 24 months). Hence, the origins of the 5/24 rule.

TIP: If you’re new to travel credit cards and haven’t applied for more than 5+ credit cards in the last 24 months you will want to look first at the Chase Sapphire Preferred, which is generally considered the best personal travel credit card. 

The 5/24 rule also applies to cards where you are listed as an authorized user.

Finally, it doesn’t matter who issued your five credit cards. They can all be Chase credit cards, all non-Chase credit cards, or a combination of the two.

Chase enforces the 5/24 rule for the following cards:

When the Chase 5/24 rule was first implemented, it only applied to the Chase Freedom, Ink, Sapphire, and Slate families. In 2016, it was expanded to a number of co-branded travel rewards cards including the Southwest Airlines and Marriott credit cards.

If you want one of the Chase cards listed above, you will need to wait until you meet the 5/24 requirements on Chase credit cards if you don’t already.

Best Non 5/24 Chase Credit Cards

If you don’t want to wait for your credit card application to drop off your credit report, you can apply for one of these Chase credit cards and not worry about the 5/24 rule.

IHG Rewards Club Select Credit Cards (Expired)

The Chase IHG Rewards Club Select Credit Card is one of the best hotel rewards cards.  Here are a few reasons why it’s worth your consideration:

  • One free hotel night every year at any IHG property
  • Automatic Platinum Elite membership status (room upgrades, 10% redemption bonus, etc.)
  • Earn 5 points per $1 on IHG purchases
  • Earn 2 points per $1 on dining, gas, and groceries
  • No foreign transaction fees

The annual free night certificate easily pays for the $49 annual fee. Rewards nights start at 5,000 points with the program that can allow you to stay at many Holiday Inn, Holiday Inn Express, Candlewood Suites, and Crowne Plaza locations all across the globe!

For a limited time, there’s a higher bonus of IHG points. And, the $49 annual fee is waived for the first year. You will also earn an additional 5,000 points for adding one authorized user.

Apply Now: Chase IHG Rewards Club Select Credit Card

British Airways Visa

The British Airways Visa is one of the best airline rewards cards you can own. Redemption options:

  • One-way American Airlines flights start at 7,500 Avios $5 for economy flights within the continental U.S.
  • A round-trip economy ticket on American or Alaska Airlines only costs 25,000 Avios $10 to Hawaii from the U.S. west coast.
  • International short-haul flights start at 4,000 Avios in Europe and Asia.

While there are many ways you can redeem British Airways Avios, the three above options will help you avoid those hefty fuel surcharges that negate the “free” cost of an award ticket.

You will also earn 3 points per $1 on British Airways purchases and one point for all other purchases. After spending $30,000 each year on your British Airways credit card, you will also Travel Together ticket that allows your travel companion to only fly for the cost of taxes and fees for the next two years in economy or first class!

The Hyatt Credit Card [Expired]

Some of the most valuable hotel points are from the World of Hyatt. Free hotel nights start at 5,000 points for many hotels and max out at 30,000 points for a Category 7 standard room. Several hotel programs require 20,000 to 30,000 points for a mid-level hotel category.

The Hyatt Credit Card lets you tap into this lucrative loyalty program and immediately enjoy the following benefits:

  • One free anniversary night at any category 1-4 Hyatt property
  • Automatic Discoverist status (10% travel bonus and late checkout, etc.)
  • No foreign transaction fee
  • Earn 3 points on all Hyatt spending
  • Earn 2 points on dining, airline tickets, and rental cars

The sign-up bonus for the Chase Hyatt credit card is 40,000 points and 5,000 additional points for adding an authorized user after spending $2,000 in the first three months. Your 45,000 bonus points can be redeemed for nine free nights.

The Ritz-Carlton Rewards Credit Card


is a good alternative to the Chase Sapphire Reserve (subject to the 5/24 rule) if you want a premium travel credit card and also enjoy staying at Ritz-Carlton, Marriott, and SPG properties.

As an upscale travel rewards card, you will definitely be pampered with the below travel benefits:

  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Priority Pass airport lounge benefits
  • reimbursement
  • $100 airfare discount on multi-passenger airline ticket purchases
  • Earn five points per $1 on Ritz-Carlton, Marriott, and Starwood Preferred Guest stays
  • Earn two points per $1 on airline tickets, car rental agencies, and restaurants
  • All remaining purchases earn one point per $1 spent

While you won’t earn the highly-coveted Chase Ultimate Rewards points as you will with the Sapphire Reserve, you do get to enjoy many of the same travel benefits that can easily justify the annual fee. And, the $100 discount on multi-passenger fares can also offset the lack of Ultimate Rewards points.

If you regularly stay at Ritz-Carlton, Marriott, or Starwood properties, your purchase rewards can easily give you free hotel nights each time you travel.

The current bonus offer for new Ritz-Carlton cardholders is two free nights at any tier 1-4 Ritz-Carlton property after spending $4,000 within the first three months of ownership.

Summary on Best Non 5/24 Chase Credit Cards

These non 5/24 Chase credit cards will complement your existing credit card portfolio. It doesn’t matter if you own a Chase Sapphire Preferred that already earns Ultimate Rewards and you want to build your balance for a particular program or you are looking to own your first Chase credit card. All of these cards will help you quickly accumulate rewards points that will help you earn free nights and flights sooner.

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The Best Non 5/24 Rule Chase Credit Cards
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