Bypass Chase 5/24 Rule On Business Cards With Black Star ‘Just For You’ Offers

Update 5/3/21: More targeted.

Update 3/25/21: More targeted, this time when logging into personal checking account. hat tip to reader erik

Original Post:

It has long been possible to bypass the Chase 5/24 rule on personal cards by looking for ‘Just For You’/’Selected For You’ green check mark offers. Yesterday reddit user GR1022 saw an offer on a business card with a black star saying ‘For Business Owners’ when checking for Just For You offers. This offer has a fixed APR and despite being over 5/24 GR1022 & others (gofarhaveacigar & Pointsmiles) have been approved. I haven’t been able to independently verify this as the offers don’t show up for me, but based on the amount of datapoints this seems to be working. The offers look as follows:

 

 

Some other information:

  • These are showing up on personal accounts (not on personal & business combined accounts)
  • Standard offers are showing (e.g $500 on the Chase Ink Cash/Chase Ink Unlimited and 80,000 on the Chase Ink Preferred)
  • After applying for one card the other offers will disappear, so apply for the card you want the most first

Post history:

  • Update 12/30/20: More targeted.
  • Update 12/6/20: More people targeted.
  • Update 1/28/20: More people targeted
  • Update 11/16/19: More people targeted
  • Update 8/25/19: Looks like more people have been targeted, worth checking to see if that includes you.
  • Update 6/4/19: Multiple reports today that new people have been targeted for these offers which are immune to 5/24 (1, 2, 3). Be sure to check for the fixed APR.
  • Update 4/25/19: Many more data points indicating this is bypassing 5/24. Interestingly after applying some people are still seeing the other offers and have successfully been approved for a second card. For most people the other offers disappear after applying but that doesn’t seem to always be the case. Best idea is to still apply for the card you want the most first and then maybe you get lucky and can get a second card a swell.

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Al

would this work for Sole Proprietorship? I’ve been denied in the past because my business wasn’t LLC.
thanks

Wavester64
Wavester64

I could live to be 150 years old and *never* have one of these Black Stars waiting for me on my CHASE account.

Justmeha
Justmeha

“These are showing up on personal accounts (not on personal & business combined accounts)”

Still the case?

Dylan
Dylan

*shows up three years after you die*

Alex
Alex

William Charles Just had some pop up for me today. 100k for CIBP; $750 bonus for CIBC; $750 bonus for CIBU all for $7.5k spend in 3 mo

Ty Webb
Ty Webb

I haven’t gotten a Chase card since 5/24 went into effect. After seeing this post, found I had 3 targeted “You’re Pre-qualified” business offerrs in “Just For You”. I applied for the 750 cash back on 7,500/3months. Got the usual Experian pull notice and Chase’s 30 day decision (via mail) email. Not going to call recon since I applied for my “business.” Now for the waiting game.

Himanshu
Himanshu

Only thing worthwhile i got is $300 Business Complete Checking

Which i dunno if i should pull the trigger or wait for the $500 one to come back

beat2def
beat2def

I have this happen ONCE in the bazillions of years I’ve had a Chase card.

whocares
whocares

I’ve never had any black star offers.

Jordan (Professional MSer)

Same

Wavester64
Wavester64

Ditto.

paul
paul

can I be potentially be targeted even if I only have a checking account with chase and not active credit cards anymore, ? or can I potentially be targeted if i already closed all my credit cards and checking accounts?

Joseph Grant
Joseph Grant

William Charles
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