Chase points a few of the most sought-after rewards playing cards in the marketplace, however the financial institution additionally has a few of the strictest insurance policies relating to bank card “churning.” It makes you wait 48 months between incomes Sapphire welcome bonuses and has its notorious 5/24 rule.
Chase has by no means formally commented on the 5/24 rule’s existence, however crowdsourced information confirms that candidates will virtually actually be denied new Chase playing cards if they’ve opened 5 or extra accounts throughout issuers previously 24 months.
All private bank card accounts rely towards this rule: playing cards with no preset spending limits, sure retailer playing cards and approved person accounts. Nonetheless, many enterprise bank cards, together with these issued by Chase, aren’t thought of when Chase determines your 5/24 standing.
When you’re making an attempt to remain underneath 5/24, you may nonetheless rack up factors and miles bonuses with enterprise playing cards with out affecting your means to use for Chase playing cards sooner or later. This is not an exhaustive checklist, nevertheless it covers a few of my favourite enterprise playing cards out there proper now.
Associated: The very best no-annual-fee enterprise bank cards
Evaluating the perfect enterprise playing cards to remain underneath 5/24
| Card | Finest for | Welcome provide | Incomes charges | Annual price |
|---|---|---|---|---|
| Ink Enterprise Most popular® Credit score Card (see charges and charges) | Incomes Chase Final Rewards factors in a wide range of business-centered classes | Earn 90,000 bonus factors after spending $8,000 on purchases within the first three months from account opening. |
|
$95 |
| Citi® / AAdvantage Enterprise™ World Elite Mastercard® (see charges and charges) | American Airways loyalists | Earn 65,000 bonus miles after spending $4,000 on purchases inside the first 4 months of account opening. |
|
$0 introductory annual price for the primary 12 months, then $99 thereafter |
| Marriott Bonvoy Enterprise® American Specific® Card | Marriott loyalists | Earn three free night time awards (every night time valued at as much as 50,000 factors, for a complete potential worth of as much as 150,000 factors) after spending $6,000 on eligible purchases inside the first six months of card membership. Sure inns have resort charges; phrases apply. |
|
$125 (see charges and charges) |
| Ink Enterprise Limitless® Credit score Card (see charges and charges) | Incomes easy money again | Earn $750 bonus money again after spending $6,000 on purchases within the first three months from account opening. |
|
$0 |
| The Hilton Honors American Specific Enterprise Card | Hilton loylists | Earn 130,000 bonus factors after spending $6,000 on purchases inside the first six months of card membership. |
|
$195 (see charges and charges) |
| The Blue Enterprise® Plus Credit score Card from American Specific | Incomes double American Specific Membership Rewards factors | Earn 15,000 bonus factors after spending $3,000 on purchases within the first three months of card membership. |
|
$0 (see charges and charges) |
Associated: The very best enterprise and private bank card mixtures
Ink Enterprise Most popular Credit score Card
Welcome provide: Earn 90,000 bonus factors after spending $8,000 on purchases within the first three months after opening an account. Primarily based on TPG’s June 2025 valuations, this provide is value $1,845.
Annual price: $95.
Why I prefer it: Though you want to be underneath 5/24 to be accredited for this card, the Ink Enterprise Most popular Credit score Card will not rely towards this rule. Plus, it earns invaluable Final Rewards factors in a wide range of bonus classes that attraction to enterprise homeowners, and these factors will be transferred to one in every of Chase’s 14 lodge and airline companions.
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You will additionally take pleasure in perks like main automobile rental insurance coverage when renting for enterprise and cellphone safety. Regardless of having an annual price, you may simply recoup that price with simply $3,167 in annual spending on one of many card’s bonus classes.
To be taught extra, learn our full evaluate of the Ink Enterprise Most popular.
Apply right here: Ink Enterprise Most popular Credit score Card
Associated: 5 causes to get the Chase Ink Enterprise Most popular Credit score Card
Citi / AAdvantage Enterprise World Elite Mastercard
Welcome provide: Earn 65,000 bonus miles after spending $4,000 on purchases inside the first 4 months of account opening. Primarily based on TPG’s June 2025 valuations, this provide is value $975.
Annual price: $0 introductory annual price for the primary 12 months, then $99 thereafter.
Why I prefer it: No matter whether or not you fly American regularly, yow will discover nice worth on this card’s welcome bonus as a result of the provider is a member of the Oneworld alliance. Many nice redemption choices exist for anybody who can discover the candy spots within the AAdvantage program.
For instance, Danyal Ahmed, a bank cards author at TPG, lately booked three Japan Airways business-class seats for his household to journey from Kansai Worldwide Airport (KIX) in Japan to Los Angeles Worldwide Airport (LAX) for 60,000 American miles every.
For individuals who choose American for his or her travels, you may take pleasure in perks like a free checked bag on home itineraries, 25% off inflight purchases and the power to earn a companion certificates after renewing your card and spending $30,000 or extra in your cardmembership 12 months.
To be taught extra, learn our full evaluate of the Citi / AAdvantage Enterprise World Elite Mastercard.
Apply right here: Citi / AAdvantage Enterprise World Elite Mastercard
Associated: What credit score rating do you want to get the Citi / AAdvantage Enterprise World Elite Mastercard?
Marriott Bonvoy Enterprise American Specific Card
Welcome provide: Earn three free night time awards (every night time valued at as much as 50,000 factors, for a complete potential worth of as much as 150,000 factors) after spending $6,000 on eligible purchases inside the first six months of card membership. Sure inns have resort charges; phrases apply. Primarily based on TPG’s June 2025 valuations, this provide is value as much as $1,050.
Annual price: $125.
Why I prefer it: One other stable possibility is the Marriott Bonvoy Enterprise Amex Card, because it has a beneficiant welcome bonus. With the Bonvoy Enterprise Amex, you may get complimentary Gold Elite standing, which incorporates perks like 25% bonus earnings on Marriott stays and a pair of p.m. late checkout (topic to availability).
As a cardmember, you may additionally obtain a free night time award certificates yearly after your card renewal month and different Marriott perks. Chase Final Rewards factors additionally switch to Marriott, so it is a nice card to pair along with your present Chase accounts.
Marriott has over 9,300 properties worldwide, together with many nice inns the place you should utilize free night time certificates, such because the Sheraton Denarau Villas in Fiji. Final month, I redeemed 48,000 factors for a one-night keep at this property on a visit again from New Zealand.
To be taught extra, learn our full evaluate of the Bonvoy Enterprise Amex.
Apply right here: Marriott Bonvoy Enterprise American Specific Card
Associated: This is why you want each a private and enterprise Marriott Bonvoy bank card
Ink Enterprise Limitless Credit score Card
Welcome provide: Earn $750 bonus money again after spending $6,000 on purchases within the first three months from account opening.
Annual price: $0.
When you choose a easy, no-frills method to incomes money again, this card is a good possibility to remain underneath the 5/24 rule with out paying an annual price.
To be taught extra, learn our full evaluate of the Ink Enterprise Limitless.
Apply right here: Ink Enterprise Limitless Credit score Card
Associated: Your information to the Chase Ink Enterprise bank cards
Hilton Honors American Specific Enterprise Card
Welcome provide: Earn 130,000 bonus factors after spending $6,000 on purchases inside the first six months of card membership. Primarily based on TPG’s June 2025 valuations, this provide is value $650.
Annual price: $195.
Why we prefer it: When you keep at Hilton inns regularly and are available in the market for a cobranded lodge card for your online business, the Hilton Honors Amex Enterprise is a stable possibility. It has a easy earnings construction: You will earn 12 factors per greenback spent at Hilton properties. Plus, you may earn 5 factors per greenback spent on all different purchases for the primary $100,000 in spending per calendar 12 months (then 3 factors per greenback thereafter).
Plus, cardmembers obtain computerized Hilton Gold standing and Nationwide Emerald Membership Govt standing (enrollment within the Emerald Membership program is required; phrases apply).
To be taught extra, learn our full evaluate of the Hilton Honors Amex Enterprise.
Apply right here: Hilton Honors American Specific Enterprise Card
The Blue Enterprise Plus Credit score Card from American Specific
Welcome provide: Earn 15,000 bonus factors after spending $3,000 on the cardboard within the first three months of card membership. Primarily based on TPG’s June 2025 valuations, this provide is value $300.
Annual price: $0.
Why we prefer it: Reaching minimal spending necessities for welcome bonuses will be tough for small companies with out excessive annual spending. Nonetheless, The Blue Enterprise Plus Credit score Card has a welcome provide that’s attainable for many companies, no matter their annual spending.
Moreover, should you worth simplicity with earnings, this card is a good match. You will earn 2 factors per greenback spent on all purchases for the primary $50,000 in spending per calendar 12 months, then 1 level per greenback after. If your online business spends lower than $50,000, this card is a superb selection. Plus, you may earn Membership Rewards factors and have entry to Amex’s roster of 21 lodge and airline companions.
To be taught extra, learn our full evaluate of The Blue Enterprise Plus from American Specific.
Apply right here: The Blue Enterprise Plus Credit score Card from American Specific
Associated: Amex Blue Enterprise Money vs. Blue Enterprise Plus: The battle of the blues
Issues to contemplate when making use of
Just about any enterprise bank card may help you proceed to earn welcome bonuses whereas staying underneath 5/24. Consider, although, that different issuers have their very own restrictions in place which may have an effect on your approval.
Luckily, you do not want a conventional enterprise to use for a enterprise bank card. Whether or not you stroll canines on the aspect, drive for Uber or run your personal reselling enterprise, you are eligible to use for a enterprise card.
Moreover, you could be questioning why no Capital One enterprise playing cards are on this checklist. That is as a result of all Capital One enterprise playing cards rely towards your 5/24 standing besides those with no preset spending limits, the Capital One Enterprise X Enterprise and the Capital One Spark Money Plus.
Bear in mind to maintain enterprise and private bills separate each time potential. Enterprise playing cards wouldn’t have the identical shopper protections as private playing cards, and combined bills can get messy throughout tax season. Plus, some issuers frown on utilizing your online business card for private bills and will shut your account for doing so.
Associated: Causes to get a enterprise bank card
Backside line
Whereas Chase playing cards provide actual long-term worth for cardholders, it diligently displays account functions. When you attempt to apply for too many playing cards in a brief time frame, you could possibly threat getting your account completely shut down.
Enterprise playing cards can come in useful whenever you’re making an attempt to keep away from the pitfall of Chase’s 5/24 rule. When you time your functions appropriately, you may area out your private card functions whereas nonetheless incomes factors and miles by making use of for a enterprise card.
That method, you are not locking your self out of alternatives to earn invaluable bonuses on Chase’s shopper playing cards.
Apply right here: Ink Enterprise Most popular Credit score Card
Apply right here: Citi / AAdvantage Enterprise World Elite Mastercard
Apply right here: Marriott Bonvoy Enterprise American Specific Card
Apply right here: Ink Enterprise Limitless Credit score Card
Apply right here: Hilton Honors American Specific Enterprise
Apply right here: The Blue Enterprise Plus Card from American Specific
For charges and charges of the Marriott Bonvoy Enterprise, click on right here.
For charges and charges of the Hilton Honors American Specific Enterprise, click on right here.
For charges and charges of the American Specific Blue Enterprise Plus, click on right here.
