What is the Chase 5/24 rule?

Chase will not approve you for most of its credit cards if you have opened 5 or more personal credit cards (from any bank) in the past 24 months. Business cards typically do not count toward the 5/24 limit.

Do business cards count toward Chase 5/24?

Generally no — most business cards (Chase Ink, Amex Business, Citi Business) do not appear on your personal credit report and therefore do not count toward your 5/24 status. However, some business cards like Capital One Spark do report to personal bureaus.

What is the Amex 2/90 rule?

Amex typically limits new approvals to 2 cards per 90-day window. Applying for a third Amex card within 90 days of two approvals will usually result in a denial.

How does the Citi 1/8 rule work?

Citi will not approve you for a new card if you have opened or closed a Citi card within the past 8 days. The 1/8 rule resets after 8 days from your last Citi card action.

How do I track welcome bonus minimum spend?

When adding a card, enter the minimum spend requirement (e.g. $4,000) and the number of days you have to meet it (usually 90 days). Then update your current spend as you go. The tool shows your daily spending pace needed and flags cards at risk of missing the bonus.

Which banks have velocity rules tracked?

This tool tracks velocity rules for Chase (5/24, 2/30, Sapphire 48-month), Amex (1/5, 2/90, 5-card limit), Citi (1/8, 2/65), Capital One (6-month), Bank of America (2/3/4), Barclays (6-month), and Discover (2-card max).

Chase 5/24 Calculator & Credit Card Application Tracker

Track every credit card application, monitor bank velocity rules, and never miss an annual fee — all in one free tool.

5/24 Tracker

See your live Chase 5/24 count and the exact dates each card rolls off the 24-month window.

Velocity Rules

Auto-checks Chase, Amex, Citi, Capital One, BoA, Barclays, and Discover rules against your history.

Annual Fee Calendar

Upcoming fees in the next 90 days, calculated from your approval date so you can plan retention calls.

How long does a Chase 5/24 block last?

Cards drop off your 5/24 count exactly 24 months from the approval date. The tracker shows the exact roll-off date for each card.

What is the Amex once-per-lifetime rule?

Amex allows you to earn a welcome bonus on each card product only once in your lifetime. The tracker flags cards where you previously held the same product.

Is my data saved anywhere?

No. Everything is stored in your browser's local storage only. Nothing is sent to any server and no account is required.

How does the annual fee calendar work?

Enter your card approval date and the tool calculates when your annual fee is due, surfacing all upcoming fees in the next 90 days.

All data stays in your browser. No account needed.