Chase points among the most sought-after rewards playing cards in the marketplace, however the financial institution additionally has among the strictest insurance policies relating to 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 information confirms that candidates will nearly 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, 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 of when Chase determines your 5/24 standing.
For those who’re attempting to remain beneath 5/24, you’ll be able to 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, however it covers a few of my favourite enterprise playing cards accessible proper now.
Associated: The perfect no-annual-fee enterprise bank cards
Evaluating the very best enterprise playing cards to remain beneath 5/24
| Card | Finest for | Welcome supply | Incomes charges | Annual charge |
|---|---|---|---|---|
| Ink Enterprise Most popular® Credit score Card | Incomes Chase Final Rewards factors in quite a lot 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 throughout 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. Provide 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. Provide ends Jan. 14. |
|
$195 (see charges and costs) |
| The Blue Enterprise® Plus Credit score Card from American Categorical | Incomes a variety 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 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 mixtures
Ink Enterprise Most popular 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.
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Annual charge: $95.
Why I prefer it: Though it’s essential be beneath 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 useful Final Rewards factors in quite a lot of bonus classes that attraction to enterprise homeowners, and these factors may be transferred to certainly one of Chase’s 14 resort and airline companions (13 companions after Oct. 16).
You may additionally get pleasure from perks like major automotive rental insurance coverage when renting for enterprise and cellphone safety. If your enterprise spends closely on this card’s bonus classes, this card is usually a highly effective addition to your pockets regardless of its annual charge.
To study extra, try our full evaluation 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 supply: Earn 75,000 bonus miles after spending $5,000 on purchases throughout 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 regularly, you 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, 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 will get pleasure from 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 study extra, try our full evaluation of the AAdvantage Enterprise Mastercard.
Apply right here: Citi / AAdvantage Enterprise World Elite Mastercard
Associated: What credit score rating do it’s essential 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. Provide 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 choice is the Marriott Bonvoy Enterprise Amex Card, because it has a beneficiant welcome bonus. With the Bonvoy Enterprise Amex, you will 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 will 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 present Chase accounts.
Marriott has over 9,300 properties worldwide, together with many nice accommodations 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 evaluation 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 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, excellent for many who like simplicity with earnings.
Plus, in the event 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’ll be able to pool your Ink Enterprise Limitless rewards and have entry to Chase’s switch companions for optimum redemption worth.
For those who desire a easy, no-frills method to incomes money again, this card is a good choice to remain beneath 5/24 with out paying an annual charge.
To study extra, try our full evaluation 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. Provide ends Jan. 14.
Primarily based on TPG’s October 2025 valuations, this supply is value $875.
Annual charge: $195.
Why I prefer it: For those who keep at Hilton accommodations regularly and are out there for a cobranded resort card for your enterprise, the Hilton Honors Amex Enterprise is a strong choice.
It has a easy earnings construction. You may earn 12 factors per greenback spent at Hilton properties. Plus, you will 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 Govt standing (enrollment within the Emerald Membership program is required).
To study extra, try our full evaluation 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. Nevertheless, The Blue Enterprise Plus has a welcome supply that is attainable for many companies, no matter their annual spending.
Moreover, in the event you worth simplicity with earnings, this card is a good match. You may 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 enterprise spends lower than $50,000 annually, this card is a superb selection. Plus, you will earn Membership Rewards factors and have entry to Amex’s roster of 20 resort and airline companions.
To study extra, try our full evaluation 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 contemplate when making use of
Just about any enterprise bank card might help you proceed to earn welcome bonuses whereas staying beneath 5/24. Take note, 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 standard enterprise to apply for a enterprise bank card. Whether or not you stroll canine on the aspect, drive for Uber or run your personal reselling enterprise, you are eligible to use fo
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