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.

How long does a Chase 5/24 block last?

Cards drop off your 5/24 count exactly 24 months (2 years) from the approval date. Use this tracker to see the exact date each card rolls off, so you can plan your next Chase application.

What is the Amex once-per-lifetime rule?

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

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.

Is my data saved anywhere?

No. All data is stored exclusively in your browser's local storage. Nothing is sent to any server. No account is required. Clearing your browser data will erase the tracker.

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.

How does the annual fee calendar work?

The tool calculates when your annual fee is due based on your card approval date (annual fees typically post on the card anniversary month). You will see all upcoming fees in the next 90 days.

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).