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

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.

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

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solakbeyi
solakbeyi

DP: I was 5/24 and received an already approved offer email for freedom unlimited. Then logged in to see it in the web. It was showing 5 cards for me and all were stating already-approved.

8/31 Applied to sapphire preferred. Approved on point with a limit of $19,700. Chase did pull both Experian and Transunion though. After approval, offers disappeared from my account.

9/9 Logged into chase credit journey to check my credit score. Saw already-approved freedom unlimited offer in there and tried my luck.
Approved on point with a limit of $21,200.

Before this, I had 4 chase credit card rejections in the past 5 years. Now I am 7/24 and got 2 chase cards. I was waiting for this moment for 5 years.

Thanks, Doc.

Jonathan
Jonathan

Just noticed that spouse’s account had 2 of these black star offers w/ fixed apr’s for the first time. It could be a coincidence but she had just applied for a Chase card that was mailed to her.

RR
RR

Approved today for a black star Ink Biz.

Just to note, I also saw the same 3 black star pre-approved offers when logging in to my separate Biz card account.

Will Ryan

I told r/churning about this and caught about 30 downvotes and got flamed to hell for sharing an ‘old DP’ lol

But yes, I was 10/24 and got targeted for three business cards this way. I applied for and got two of them. Super stoked. Thank you Papa Chase.

Interestingly, all three offers remained in my For You for a couple days. I did not apply for the third card but it seems possible I could have gotten that one too.

Paul
Paul

Will Ryan
Did all of the offers show a fixed APR?

Will Ryan

The two I applied for did, I did not check the third.

Eugene
Eugene

Nice! Just got approved for the chase ink business cash card. I wasn’t sure what people meant by fixed vs variable rate, but I had a 0% intro offer for the first 12 months and then a 14.xx% variable interest rate after.

RJS11
RJS11

Applied and approved! I’ve been over 5/24 for years, but in the last several months I’ve been able to get a CSP and Ink because of these targeted offers.

chowfun
chowfun

Anyone know how to fix the error when trying to open the offer?

L
L

Why I was never targeted?

P
P

Still got nothing

Sevillada
Sevillada

Beware and your black star might not have a fixed APR and thus is not good

Daniel
Daniel

Yup. Had variable. Sneaky!