Chase points among the most sought-after rewards playing cards available on the market, however the financial institution additionally has among the strictest insurance policies concerning bank card “churning.” It limits cardholders to incomes just one welcome bonus per shopper Sapphire card and has its notorious 5/24 rule.
Chase has by no means formally commented on the 5/24 rule’s existence, however crowdsourced knowledge confirms that candidates will virtually actually be denied new Chase playing cards if they’ve opened 5 or extra accounts throughout issuers up to now 24 months.
All private bank card accounts rely towards this rule, together with playing cards with no preset spending limits and sure retailer playing cards. Nevertheless, many enterprise bank cards, together with these issued by Chase, aren’t thought-about when Chase determines your 5/24 standing.
When you’re attempting to remain below 5/24, you may nonetheless rack up factors and miles with enterprise playing cards with out affecting your capability to use for Chase playing cards sooner or later. This is not an exhaustive listing, nevertheless it covers a few of my favourite enterprise playing cards out there proper now.
Associated: The perfect no-annual-fee enterprise bank cards
Evaluating the most effective enterprise playing cards to remain below 5/24
| Card | Greatest for | Welcome provide | Incomes charges | Annual charge |
|---|---|---|---|---|
| Ink Enterprise Most popular® Credit score Card | 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 costs) | American Airways loyalists | Earn 75,000 bonus miles after spending $5,000 on purchases inside the first 5 months of account opening. |
|
$0 introductory annual charge for the primary 12 months, then $99 thereafter |
| Marriott Bonvoy Enterprise® American Categorical® Card | Marriott loyalists | Earn 125,000 bonus factors after spending $8,000 on purchases within the first six months of card membership. Supply ends Oct. 22. |
|
$125 (see charges and costs) |
| Ink Enterprise Limitless® Credit score Card (see charges and costs) | Incomes easy money again | Earn $900 bonus money again after spending $6,000 on purchases within the first three months from account opening. |
|
$0 |
| The Hilton Honors American Categorical Enterprise Card | Hilton loyalists | Earn 175,000 bonus factors after spending $8,000 on purchases within the first six months of card membership. Supply ends Jan. 14. |
|
$195 (see charges and costs) |
| The Blue Enterprise® Plus Credit score Card from American Categorical | Incomes numerous American Categorical 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 costs) |
The data for the Ink Enterprise Most popular has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Associated: The perfect enterprise and private bank card combos
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 from account opening.
Based mostly on TPG’s October 2025 valuations, this provide is value $1,845.
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Annual charge: $95.
Why I prefer it: Though you could be below 5/24 to be authorized 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 enchantment to enterprise house owners, and these factors may be transferred to one among Chase’s 14 lodge and airline companions (13 companions after Oct. 16).
You will additionally take pleasure in perks like major automotive rental insurance coverage when renting for enterprise and cellphone safety. If your small business spends closely on this card’s bonus classes, this card generally is a highly effective addition to your pockets regardless of its annual charge.
To study extra, try our full assessment of the Ink Enterprise Most popular.
Associated: 5 causes to get the Chase Ink Enterprise Most popular Credit score Card
Citi / AAdvantage Enterprise World Elite Mastercard
Welcome provide: Earn 75,000 bonus miles after spending $5,000 on purchases inside the first 5 months of account opening.
Based mostly on TPG’s October 2025 valuations, this provide is value $1,163.
Annual charge: $0 introductory annual charge for the primary 12 months, then $99 thereafter.
Why I prefer it: No matter whether or not you fly American incessantly, you will discover nice worth on this card’s welcome bonus as a result of the service 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, TPG bank cards author Danyal Ahmed 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 AAdvantage miles every.
For individuals who desire 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 flexibility to earn a companion certificates after renewing your card and spending $30,000 or extra in a cardholder 12 months.
To study extra, try our full assessment of the AAdvantage Enterprise Mastercard.
Apply right here: Citi / AAdvantage Enterprise World Elite Mastercard
Associated: What credit score rating do you could get the Citi / AAdvantage Enterprise World Elite Mastercard?
Marriott Bonvoy Enterprise American Categorical Card
Welcome provide: Earn 125,000 bonus factors after spending $8,000 on purchases within the first six months of card membership. Supply ends Oct. 22.
Based mostly on TPG’s October 2025 valuations, this provide is value $875.
Annual charge: $125.
Why I prefer it: One other stable choice 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 evening 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 current Chase accounts.
Marriott has over 9,300 properties worldwide, together with many nice resorts the place you should use free evening certificates. That features the Sheraton Denarau Villas, the place I beforehand redeemed a certificates.
To study extra, try our full assessment of the Bonvoy Enterprise Amex.
Apply right here: Marriott Bonvoy Enterprise American Categorical Card
Associated: Here is why you want each a private and enterprise Marriott Bonvoy bank card
Ink Enterprise Limitless Credit score Card
Welcome provide: Earn $900 bonus money again after spending $6,000 on purchases within the first three months from account opening.
Annual charge: $0.
Why I prefer it: The Ink Enterprise Limitless Credit score Card presents limitless 1.5% money again on each enterprise buy, excellent for many who like simplicity with earnings.
Plus, when you pair this card with a Chase card that earns Final Rewards factors, just like the Chase Sapphire Most popular® Card (see charges and costs), you may pool your Ink Enterprise Limitless rewards and have entry to Chase’s switch companions for max redemption worth.
When you desire a easy, no-frills strategy to incomes money again, this card is a superb choice to remain below 5/24 with out paying an annual charge.
To study extra, try our full assessment 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 Categorical Enterprise Card
Welcome provide: Earn 175,000 bonus factors after spending $8,000 on purchases within the first six months of card membership. Supply ends Jan. 14.
Based mostly on TPG’s October 2025 valuations, this provide is value $875.
Annual charge: $195.
Why I prefer it: When you keep at Hilton resorts incessantly and are available in the market for a cobranded lodge card for your small business, the Hilton Honors Amex Enterprise is a stable choice.
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 Government standing (enrollment within the Emerald Membership program is required).
To study extra, try our full assessment of the Hilton Honors Amex Enterprise.
Apply right here: Hilton Honors American Categorical Enterprise Card
The Blue Enterprise Plus Credit score Card from American Categorical
Welcome provide: Earn 15,000 bonus factors after spending $3,000 on the cardboard within the first three months of card membership.
Based mostly on TPG’s October 2025 valuations, this provide is value $300.
Annual charge: $0.
Why I prefer it: Reaching minimal spending necessities for welcome bonuses may be troublesome for small companies with out excessive annual spending. Nevertheless, The Blue Enterprise Plus has a welcome provide that is attainable for many companies, no matter their annual spending.
Moreover, when you worth simplicity with earnings, this card is a superb 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 small business spends lower than $50,000 annually, this card is a superb selection. Plus, you may earn Membership Rewards factors and have entry to Amex’s roster of 20 lodge and airline companions.
To study extra, try our full assessment of the Blue Enterprise Plus.
Apply right here: The Blue Enterprise Plus Credit score Card from American Categorical
Associated: Amex Blue Enterprise Money vs. Blue Enterprise Plus: The battle of the blues
Issues to think about when making use of
Just about any enterprise bank card may help you proceed to earn welcome bonuses whereas staying below 5/24. Take into accout, although, that different issuers have their very own restrictions in place that may have an effect on your approval.
Thankfully, you do not want a conventional enterprise to apply for a enterprise bank card. Whether or not you stroll canines on the facet, drive for Uber or run your individual reselling enterprise, you are eligible to use for a enterprise card.
Moreover, it’s possible you’ll be questioning why no Capital One enterprise playing cards are on this listing. 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 at any time when attainable. Enterprise playing cards shouldn’t have the identical shopper protections as private playing cards, and blended bills can get messy throughout tax season.
Plus, some issuers frown on utilizing your small 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 screens account functions. When you get authorized for too many playing cards in a brief time period, you can threat getting future functions for Chase playing cards denied.
Enterprise playing cards can come in useful while you’re attempting to keep away from the pitfall of Chase’s 5/24 rule. When you time your functions accurately, you may house out your private card functions whereas nonetheless incomes factors and miles by making use of for a enterprise card.
That manner, you are not locking your self out of alternatives to earn invaluable bonuses on Chase’s shopper playing cards.
Apply right here: Citi / AAdvantage Enterprise World Elite Mastercard
Apply right here: Marriott Bonvoy Enterprise American Categorical Card
Apply right here: Ink Enterprise Limitless Credit score Card
Apply right here: Hilton Honors American Categorical Enterprise
Apply right here: The Blue Enterprise Plus Card from American Categorical
For charges and costs of the Marriott Bonvoy Enterprise, click on right here.
For charges and costs of the Hilton Honors American Categorical Enterprise, click on right here.
For charges and costs of the American Categorical Blue Enterprise Plus, click on right here.
