Best Chase Credit Card Offers For Cards That Don’t Follow 5/24 Rule

Update: This article is from 2016 and is no longer valid.

We broke the news that it looks like Chase has applied the 5/24 rule on more of their credit cards. Thankfully Chase still has some cards you can apply and be approved for if you’ve opened more than five new cards in the last 24 months. Those cards are:

  • Chase IHG
  • Chase Hyatt
  • Chase British Airways
  • Chase Disney
  • Chase Fairmont
  • Chase Amazon
  • Chase AARP

I have no idea if these cards will have the 5/24 rule applied to them in the future or not (I will try to find out though). Because of this, I assume some people will want to apply for these cards sooner rather than later so let’s look at the best offer for each card.

What the best offer is depends on your situation. If anybody knows of any higher sign up bonuses on these cards, let me know in the comments below.

 

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steven
steven (@guest_784121)
July 16, 2019 23:37

 William Charles hey mate, I think this page is outdated due to the expansion of the rule.

Lona
Lona (@guest_635932)
August 28, 2018 11:31

Has this list been updated since 2016?

TE
TE (@guest_266170)
June 8, 2016 18:51

Applied for the Disney Premier Card ($49 AF, $200 Bonus) on 6/7/2016 – received 7-10 day wait message on pending decision. Was approved and showed up in my account on 6/8/16. Way over 5/24.

Will
Will (@guest_264042)
May 31, 2016 18:20

Good reporting, William — your credibility (and integrity) up yet another notch. (Based on your earlier report, I held off on new credit applications this year …. as conscious reserved strategy to go for SW card pair come year end…. while spouse was not so constrained…. so we are personally grateful)

By the way, don’t know if anybody noticed, but your announcement/confirmation that the Chase 5/24 rule had gone into effect was posted on….

tah dah…..

5/24

😉

Maury
Maury (@guest_263988)
May 31, 2016 14:27

Data point: Applied for United Explorer after receiving mailer invite. Application denied for 5/24.

Glenn
Glenn (@guest_262813)
May 26, 2016 23:55

Will…do you know if Chase is ok with getting a second Hyatt card while the first is still active? Thanks,.

Maury
Maury (@guest_262701)
May 26, 2016 17:06

Data point: Wife got approved today for Fairmont card and she has way over 5 in the last 24 including many Chase cards.

mjs
mjs (@guest_262736)
May 26, 2016 20:36

The other thread is better to consolidate the data points, i think this one is about the merits of the cards themselves.

I like the Fairmont, and Doc you might at least mention that you get 2 $25 certificates as well for applying for the Fairmont that you can use. A nice little bonus comparable to the $50 or 5,000 points on other Chase hotel cards. This is standard as part of the Fairmont application (although they do a poor job noting it).

Also, the 2 nights for the Fairmont allow usage of a room or suite upgrade on the free nights. Basically you can just get a slightly bigger room or a better view. That’s the good thing.

Now the bad…to use the certificates there has to be a standard “Fairmont room” in inventory. Not a Fairmont Gold Room, not a Deluxe Fairmont Room, but a rather generic small, no-view room. THEN to apply the room or upgrade certificate, that room would also have to be available. I’ve found Fairmont’s to have generally good availability, but don’t hesitate to call their super-nice reservations number to determine what rooms qualify.

Finally, although they have some nice city properties in the U.S., I think they have some tremendous properties in Europe and Canada (for those not wanting a long trip). Check out their hotels in Victoria, Quebec City, Banff, and Lake Louise to get an idea on some historic opportunities!

Sorry for the length of the post, but wanted to try to give a better idea on how this relatively unknown chain compares with others on their offers having struggled with a few things the first time around.

Brian
Brian (@guest_262867)
May 27, 2016 02:51

Just spent two free nights in the Kea Lani on Maui; awesome redemption. I got a total of eight $25 certificates: four each year (ending Feb. 28), two breakfast and two spa/dining, but in practice I used them all for regular dining. The card gets you two/year and the associated status get you another two/year, I believe. A full review would be good.

Shalabh
Shalabh (@guest_262687)
May 26, 2016 15:54
Chuck
Chuck (@guest_262685)
May 26, 2016 15:46

If you’re not going to meet spend for 75K, it’s better to get the 50K BA offer that waives the first year annual fee. It’s what we did…

MH
MH (@guest_263015)
May 27, 2016 13:44

I don;t see any mention of a waived fee,

Earn Avios with every purchase

Earn 50,000 bonus Avios after you spend $2,000 on purchases within the first 3 months of account opening.
Earn 25,000 bonus Avios after you spend $15,000 on purchases within the first year of account opening.
Earn 3 Avios for every $1 spent on British Airways, Iberia and OpenSkies purchases2.
Earn 1 Avios for every $1 spent on all the rest of life’s little purchases2.
Automatic enrolment in the Executive Club for new Members.

XP1
XP1 (@guest_262681)
May 26, 2016 15:22

“Offer Unavailable”.