5/24 and Issuer Rules
Are you eligible for your next card?
Chase's 5/24 is one of five recent-card rules that issuers use when reviewing applications. Miles checks all five against the cards you entered and shows where you stand under each one. It also names the cards without an open date and the business cards it left out of the count.
Compare five rules in one table
Chase's 5/24 rule declines most applications from someone who has opened five or more cards in the past 24 months. Four other issuers apply a rule with the same shape: Wells Fargo counts 5 cards in 24 months, Barclays 6 in 24, Bank of America 3 in 12, and US Bank 5 in 12. Each rule counts cards opened at every issuer, not only the issuer applying it. All five are computed from the same open dates.
Miles checks all five against the cards you entered and shows where you stand under each rule on one screen. Add a card once and Miles recalculates every count.
What the count leaves out
The count is only as good as the cards and dates you entered. Miles names any card without an open date and links to add it. Business cards are excluded because most issuers do not report them to a personal credit report. The count states how many business cards it dropped.
These rules are guidelines issuers apply, not published cutoffs. Approvals outside them happen. When a rule is binding, Miles shows its caveat: authorized-user cards count at Wells Fargo and cannot be removed on reconsideration, while at Chase they sometimes can. Bank of America's 3/12 may relax if you hold a deposit account there.
Where it lives
- In the app
- Wallet
- Ask Miles
- “What's my 5/24 status?”
- Over MCP
- get_eligibility
Requires an account: a trial session can look this up but cannot save changes.
Checked Aug 27, 2026