These 6 business cards can help you stay under Chase’s 5/24 rule

Chase issues some of the most sought-after rewards cards on the market, but the bank also has some of the strictest application policies. It limits cardholders to earning only one welcome bonus per consumer Sapphire card and has its infamous 5/24 rule.Chase has never officially commented on the existence of the 5/24 rule, but crowdsourced data confirm that applicants will almost certainly be denied new Chase cards if they have opened five or more accounts across issuers in the past 24 months.All personal credit card accounts count toward this rule, including cards with no preset spending limits and certain store cards. However, many business credit cards, including those issued by Chase, aren't considered when Chase determines your 5/24 standing.If you're trying to stay under 5/24, you can still rack up points and miles with business cards without affecting your ability to apply for Chase cards in the future. This isn't an exhaustive list, but it covers some of my favorite business cards available right now.All point and mile valuations in this article are based on TPG's August 2026 valuations.Comparing the best business cards to stay under 5/24CardBest forAnnual feeWelcome offerTh...