Bypass Chase 5/24 Rule for Ink Business Cards Through 12/31 (YMMV)

Chase 5/24 Rule Ink Business Cards

Bypass Chase 5/24 Rule for Ink Business Cards Through 12/31

The Chase 5/24 rule is the biggest hurdle when it comes to getting new Chase credit cards. You will not be approved for a new Chase card if you have opened 5 or more bank cards in the past 24 months. If you often apply for new credit cards, you are likely well over that threshold.

But now there’s some good news. The Chase 5/24 rule has been temporarily relaxed for all Ink Business cards through the end of the year. The information comes from DansDeals who cites an insider tip. Before you get too excited, you should know that this is not working for everyone. There are some positive data points, but also many other showing that Chase 5/24 is still in effect. The best chance seems to be for auto-approvals. If you have to talk to a rep, they will not be able to bypass 5/24.

This is obviously great news for those who are over 5/24, if it actually works. Some Ink business cards such as Ink Cash and Ink Unlimited, have best ever welcome bonuses of 90,000 points. That’s early worth over $1,000. You can find more information about these bonuses below, but the same offers are also available through referral links. So this can be an even better opportunity if a friend or family member can refer you.

All Ink cards are separate products, so you can have one of each. Those with more than one business can even hold more than one of the same card. And there’s also the possibility of getting approved for two cards at once, Ink Cash and Ink Unlimited for example. You just need to apply for both cards at the same time using different browsers. That would be a total bonus of 180,000 points, plus any referral bonus that you might get. And it’s only one hard pull.

Chase Ink Business Cards

Ink Business products include:

  • Chase Ink Business Cash

    • Welcome Bonus: 90,000 points after spending $6,000 in 3 months.
    • Earn up to 5X points per dollar.
    • No annual fee.
    • LEARN HOW TO APPLY
  • Chase Ink Business Unlimited

    • 90,000 points after spending $6,000 in 3 months (marketed as $900 cash back, but will actually award points).
    • Earn 1.5X points per dollar.
    • No annual fee. 
    • LEARN HOW TO APPLY
  • Chase Ink Business Preferred

    • Welcome Bonus: 100,000 points after spending $15,000 in 3 months.
    • Earn up to 5X points per dollar.
    • Annual Fe: $95
    • LEARN HOW TO APPLY
  • Chase Ink Business Premier

    • Welcome Bonus: $1,000 cash back after spending $10,000 in 3 months.
    • Earn up to 2.5% cash back.
    • Annual Fee: $195
    • LEARN HOW TO APPLY

Guru’s Wrap-up

This is a good time to give it try, if you want to get any of the four Chase Ink business cards. If you’re not sure what your Chase 5/24 count is, follow these steps to find out.

If you are over 5/24 and apply for Ink cards, please provide relevant data points in the comments. I have seen a few positive data points so far. One Facebook Group member notes that having a business checking account can help.

Good luck! 🤞

Disclaimer: I receive part of the commission when you use any of the links in this article to apply for credit cards through yourbestcreditcards.com.

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