Chase points among the most sought-after rewards playing cards in the marketplace, 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 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 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 depend 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-about 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 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 obtainable proper now.
Associated: The very best no-annual-fee enterprise bank cards
Evaluating the most effective enterprise playing cards to remain underneath 5/24
| Card | Finest for | Welcome provide | Incomes charges | Annual price |
|---|---|---|---|---|
| Ink Enterprise Most well-liked® 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 inside the first 5 months of account opening. |
|
$0 introductory annual price for the primary yr, then $99 thereafter |
| Marriott Bonvoy Enterprise® American Specific® 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 Specific 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 Specific | Incomes lots of 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 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 offered by the cardboard issuer.
Associated: The very best enterprise and private bank card combos
Ink Enterprise Most well-liked 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 price: $95.
Why I prefer it: Though it is advisable be underneath 5/24 to be authorized for this card, the Ink Enterprise Most well-liked Credit score Card will not depend towards this rule. Plus, it earns beneficial Final Rewards factors in quite a lot of bonus classes that enchantment to enterprise homeowners, and these factors may be transferred to one among Chase’s 14 resort and airline companions (13 companions after Oct. 16).
You may additionally take pleasure in perks like major automobile 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 price.
To be taught extra, try our full evaluation 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 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 price: $0 introductory annual price for the primary yr, then $99 thereafter.
Why I prefer it: No matter whether or not you fly American ceaselessly, you’ll 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 want 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, 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 is advisable get the Citi / AAdvantage Enterprise World Elite Mastercard?
Marriott Bonvoy Enterprise American Specific 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 price: $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 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 this can be a nice card to pair along with your current Chase accounts.
Marriott has over 9,300 properties worldwide, together with many nice motels the place you need to use free evening certificates. That features the Sheraton Denarau Villas, the place I beforehand redeemed a certificates.
To be taught extra, try our full evaluation 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 $900 bonus money again after spending $6,000 on purchases within the first three months from account opening.
Annual price: $0.
Why I prefer it: The Ink Enterprise Limitless Credit score Card presents limitless 1.5% money again on each enterprise buy, good for individuals 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 well-liked® 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 want a easy, no-frills strategy to incomes money again, this card is a superb choice to remain underneath 5/24 with out paying an annual price.
To be taught 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 Specific 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 price: $195.
Why I prefer it: When you keep at Hilton motels ceaselessly 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 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 automated Hilton Gold standing and Nationwide Emerald Membership Government standing (enrollment within the Emerald Membership program is required).
To be taught extra, try our full evaluation 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.
Based mostly on TPG’s October 2025 valuations, this provide is value $300.
Annual price: $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 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 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 alternative. Plus, you may earn Membership Rewards factors and have entry to Amex’s roster of 20 resort and airline companions.
To be taught extra, try our full evaluation of the Blue Enterprise Plus.
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. Remember, although, that different issuers have their very own restrictions in place which may have an effect on your approval.
Fortuitously, 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 individual reselling enterprise, you are eligible to use for a enterprise card.
Moreover, chances are you’ll 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 depend 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 every time potential. 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 enterprise 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 purposes. When you get authorized for too many playing cards in a brief time frame, you would threat getting future purposes 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. When you time your purposes accurately, you may area out your private card purposes whereas nonetheless incomes factors and miles by making use of for a enterprise card.
That means, you are not locking your self out of alternatives to earn beneficial bonuses on Chase’s client playing cards.
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 costs of the Marriott Bonvoy Enterprise, click on right here.
For charges and costs of the Hilton Honors American Specific Enterprise, click on right here.
For charges and costs of the American Specific Blue Enterprise Plus, click on right here.
