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 concerning bank card “churning.” It limits cardholders to incomes just one welcome bonus per client 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 information confirms that candidates will nearly actually be denied new Chase playing cards if they’ve opened 5 or extra accounts throughout issuers prior 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. Nonetheless, many enterprise bank cards, together with these issued by Chase, aren’t thought of when Chase determines your 5/24 standing.
In case you’re making an attempt to remain below 5/24, you possibly can nonetheless rack up factors and miles with enterprise playing cards with out affecting your potential to use for Chase playing cards sooner or later. This is not an exhaustive checklist, but it surely covers a few of my favourite enterprise playing cards accessible proper now.
Associated: One of the best no-annual-fee enterprise bank cards
Evaluating the most effective enterprise playing cards to remain below 5/24
| Card | Greatest for | Welcome supply | Incomes charges | Annual charge |
|---|---|---|---|---|
| Ink Enterprise Most well-liked® 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 yr, 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 loads of 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 knowledge for the Ink Enterprise Most well-liked 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: One of the best enterprise and private bank card combos
Ink Enterprise Most well-liked Credit score Card
Welcome supply: Earn 90,000 bonus factors after spending $8,000 on purchases within the first three months from account opening.
Primarily based on TPG’s October 2025 valuations, this supply is value $1,845.
Reward your inbox with the TPG Every day e-newsletter
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s consultants
Annual charge: $95.
Why I prefer it: Though that you must be below 5/24 to be accredited for this card, the Ink Enterprise Most well-liked Credit score Card will not rely towards this rule. Plus, it earns useful Final Rewards factors in a wide range of bonus classes that enchantment to enterprise homeowners, and these factors may be transferred to considered one of Chase’s 14 lodge and airline companions (13 companions after Oct. 16).
You will additionally take pleasure in perks like major automobile rental insurance coverage when renting for enterprise and cellphone safety. If your online 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 be taught extra, take a look at our full evaluate of the Ink Enterprise Most well-liked.
Associated: 5 causes to get the Chase Ink Enterprise Most well-liked Credit score Card
Citi / AAdvantage Enterprise World Elite Mastercard
Welcome supply: Earn 75,000 bonus miles after spending $5,000 on purchases inside the first 5 months of account opening.
Primarily based on TPG’s October 2025 valuations, this supply is value $1,163.
Annual charge: $0 introductory annual charge for the primary yr, then $99 thereafter.
Why I prefer it: No matter whether or not you fly American continuously, you could find 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 just 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 yr.
To be taught extra, take a look at our full evaluate of the AAdvantage Enterprise Mastercard.
Apply right here: Citi / AAdvantage Enterprise World Elite Mastercard
Associated: What credit score rating do that you must get the Citi / AAdvantage Enterprise World Elite Mastercard?
Marriott Bonvoy Enterprise American Categorical Card
Welcome supply: Earn 125,000 bonus factors after spending $8,000 on purchases within the first six months of card membership. Supply ends Oct. 22.
Primarily based on TPG’s October 2025 valuations, this supply is value $875.
Annual charge: $125.
Why I prefer it: One other strong 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 couple 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 this can be a nice card to pair along with your present Chase accounts.
Marriott has over 9,300 properties worldwide, together with many nice lodges the place you should use free evening certificates. That features the Sheraton Denarau Villas, the place I beforehand redeemed a certificates.
To be taught extra, take a look at our full evaluate of the Bonvoy Enterprise Amex.
Apply right here: Marriott Bonvoy Enterprise American Categorical Card
Associated: This is why you want each a private and enterprise Marriott Bonvoy bank card
Ink Enterprise Limitless Credit score Card
Welcome supply: 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, good for many who like simplicity with earnings.
Plus, in case you pair this card with a Chase card that earns Final Rewards factors, just like the Chase Sapphire Most well-liked® Card (see charges and costs), you possibly can pool your Ink Enterprise Limitless rewards and have entry to Chase’s switch companions for max redemption worth.
In case you desire a easy, no-frills strategy to incomes money again, this card is a superb possibility to remain below 5/24 with out paying an annual charge.
To be taught extra, take a look at 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 Categorical Enterprise Card
Welcome supply: Earn 175,000 bonus factors after spending $8,000 on purchases within the first six months of card membership. Supply ends Jan. 14.
Primarily based on TPG’s October 2025 valuations, this supply is value $875.
Annual charge: $195.
Why I prefer it: In case you keep at Hilton lodges continuously and are available in the market for a cobranded lodge card for your online business, the Hilton Honors Amex Enterprise is a strong 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 yr (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 be taught extra, take a look at our full evaluate 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 supply: 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 October 2025 valuations, this supply 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. Nonetheless, The Blue Enterprise Plus has a welcome supply that is attainable for many companies, no matter their annual spending.
Moreover, in case 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 yr, then 1 level per greenback after.
If your online 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 be taught extra, take a look at our full evaluate 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 can assist you proceed to earn welcome bonuses whereas staying below 5/24. Bear in mind, 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 facet, drive for Uber or run your individual reselling enterprise, you are eligible to use for a enterprise card.
Moreover, you might 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.
Keep in mind to maintain enterprise and private bills separate at any time when doable. Enterprise playing cards should not have the identical client protections as private playing cards, and blended 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 supply actual long-term worth for cardholders, it diligently displays account functions. In case you get accredited for too many playing cards in a brief time frame, you might danger getting future functions for Chase playing cards denied.
Enterprise playing cards can come in useful once you’re making an attempt to keep away from the pitfall of Chase’s 5/24 rule. In case you time your functions appropriately, you possibly can area out your private card functions whereas nonetheless incomes factors and miles by making use of for a enterprise card.
That approach, you are not locking your self out of alternatives to earn useful bonuses on Chase’s client 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.
Supply hyperlink
