Chase decides the order of most churning careers. The 5/24 rule counts every personal card you open at any bank, the 2/30 rule caps how fast Chase approves you, and Ultimate Rewards points transfer to 14 loyalty programs at 1:1, except World of Hyatt from the Sapphire Preferred and Ink Business Preferred, which is 4:3 since October 1, 2026. Every Chase rule and guide on this site sits below.
The rules
Current status
| Rule | Status | Last verified |
|---|---|---|
| 5/24 | Active | Jun 2026 |
| 2/30 | Active | Jun 2026 |
| Sapphire 48-month | Retired | Jun 2026 |
Every issuer and every rule, sortable and dated: the Issuer Application Rules Tracker.
Your points
Ultimate Rewards points transfer to 14 loyalty programs, 10 airlines and 4 hotels, all at 1:1 except Hyatt from the Sapphire Preferred and Ink Business Preferred (4:3). Start with Chase transfer partners, keep the balance growing between bonuses with the Chase trifecta, and check any ratio in the transfer partner chart or the transfer partner finder.
Tools
See where 5/24 lands against every other screen in the 6 issuer rules ranked.
Deciding between the 2 big systems first? Read Chase vs Amex points: which system to build first.
FAQ
Does the 5/24 rule apply to business cards?
It applies at application time for Chase business cards: you need to be under 5/24 to get approved. Most business cards, including Chase Ink cards, do not add to your count once approved, because they do not report to your personal credit reports. Full detail: the Chase 5/24 rule.
When does a card fall off my 5/24 count?
25 months after the month it was opened. A card opened in March 2024 stops counting in April 2026. The clock runs from the account opening date on your credit report, never from the bonus date or the closing date. Full detail: the Chase 5/24 rule.
What is the Chase reconsideration line phone number?
888-270-2127 for personal cards and 800-453-9719 for business cards. Both reach analysts who can manually re-review a denied or pending application, and the widely repeated advice is to call within 30 days of the decision. Full detail: the Chase reconsideration line.