Posted by William Charles on May 26, 2016
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Published on May 26th, 2016 | by William Charles

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Update: This article is from 2016 and is no longer valid.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

Is it certain that AARP isn’t a part of 5/24? It was my 5th Chase card and my 6th was denied last month while BoA has given me two more since then.

Brandon
Brandon

I was approved for the AARP card after waiting 7 days and received my approval by mail. Have opened 10+ cards in the last 24 months. 15k CL.

Cowboyguy
Cowboyguy

Awesome summary and post!

Planning to apply for Hyatt card soon.

Shawn
Shawn
Raul
Raul

Link just leads u back to 70000 point offer

jnrfalcon
jnrfalcon

I do see the 80k+50. Maybe use private mode or vpn? I’m in WA btw

Nick
Nick

landing page has 80K plus $50 statement credit, but when I click the “apply now” button, goes to page that says

“Thank you for your interest in becoming an
IHG® Rewards Club Select Credit Cardmember.
This offer is not available, but you are now being
redirected to another great IHG® Rewards Club
Credit Card offer!”

which then leads to 70K offer for $2K spend.

Anyone have any luck getting to apply for 80K offer?

Andy Shuman

Start a reservation and you’ll likely get an 80K +$50 offer. Read more here: http://lazytravelers.net/deals-miles-points-credit-cards-weekly-recap (scroll down). You may or may not need to be logged on.

Steve
Steve

Thanks LeiFeng!

However, Chase closed all my accounts last year. Not sure why, and pretty sure that I will be declined for an “unsatisfactory relationship”

Jan B
Jan B

Note: I did post similar on FT.

Is there a way for me to “turn in” a recent unused SW Visa Premier that I shouldn’t have applied for and obtain one of these a fore mentioned Chase cards without big hassle? Please don’t ask; I know it was foolish. I didn’t think I was approved and was just waiting for my reject letter.

I would “trade” for Brit Air or the new Freedom Limited. Should probably wait til inquiry anniversary (before my recent SW card debacle) in July, 2015, when I was turned down for Hyatt, which I no longer think I need. Thanks for advice.

Steve
Steve

You can always call and ask to Product Change. However, it is unlikely they will change between brands, and you will *not* qualify for the sign-up bonus on the new card.

Nick
Nick

I tried to call and change a SW Plus or Premier (cant remember which) to a Slate (since I was planning to reapply for 2 SW cards to get CP, but wanted to preserve credit history on original SW card). Called multiple numbers (CSP direct line, SW card #), but there were no options to product change to any other card. Maybe you’ll have better luck!

Steve
Steve

I’m pretty sure the Amazon one goes higher ($70, if I recall) if you have Prime.

Victor
Victor

My offer was for $80 about a month ago (I have Prime).

PG
PG

Are we really sure 5/24 has gone into wider effect? It seems people are still debating it. Only one on the list worth getting that I haven’t already recently received the bonus on is the Fairmont. They’ve got a few properties I wouldn’t mind staying at. Thanks.

Shim
Shim

How about the Marriott card?

mjs
mjs

uh, that’s on the OTHER list of cards now believed subject to 5/24

Vic
Vic

Will, BA 100k was dead.
It’s now only 75k (same link works)

Peter
XP1
XP1

“Offer Unavailable”.

Chuck
Chuck

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

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.

Shalabh
Shalabh
Maury
Maury

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

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.

Glenn
Glenn

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

Maury
Maury

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

Will
Will

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

😉

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