6 Business Credit Cards to Bypass Chases 524 Rule

Chase is known for its highly desirable rewards credit cards, but it also enforces strict policies that can hinder avid cardholders from maximizing their benefits. One such policy is the infamous 5/24 rule, which restricts applicants from being approved for new Chase cards if they have opened five or more credit card accounts across all issuers within the past 24 months. While this rule can be a significant barrier for many, there are ways to continue earning rewards without impacting your 5/24 status—specifically through business credit cards.

Although Chase has never officially acknowledged the 5/24 rule, anecdotal evidence suggests that it plays a critical role in the approval process. Importantly, business credit cards are not counted against your 5/24 status, allowing you to rack up points and miles without jeopardizing your eligibility for future Chase cards. Here’s a look at six excellent business credit cards that can help you stay under the 5/24 limit while still reaping rewards.

1. Ink Business Preferred® Credit Card
*Welcome Offer:* Earn 90,000 bonus points after spending $8,000 on purchases in the first three months.
*Value:* Approximately $1,845 based on TPG’s October 2025 valuations.
*Annual Fee:* $95.

Why it stands out: The Ink Business Preferred Credit Card is a top choice for business owners. While you need to be under 5/24 for approval, this card won’t count against your limit. It earns valuable Ultimate Rewards points in various categories, which can be transferred to one of Chase’s 14 travel partners. Additionally, you’ll enjoy perks like primary car rental insurance for business rentals and cellphone protection. If your business spends heavily in the bonus categories, this card can significantly enhance your rewards strategy.

2. Citi® / AAdvantage® Business World Elite Mastercard®
*Welcome Offer:* Earn 75,000 bonus miles after spending $5,000 in the first five months.
*Value:* Approximately $1,163 based on TPG’s October 2025 valuations.
*Annual Fee:* $0 for the first year, then $99.

Why it stands out: Even if you don’t frequently fly American Airlines, the welcome bonus offers excellent value due to the airline’s Oneworld alliance membership. You’ll enjoy benefits such as a free checked bag on domestic flights and the ability to earn a companion certificate after spending $30,000 in a cardholder year. This card is particularly advantageous for those who can navigate the AAdvantage program for optimal redemptions.

3. Marriott Bonvoy Business™ American Express® Card
*Welcome Offer:* Earn 125,000 bonus points after spending $8,000 in the first six months.
*Value:* Approximately $875 based on TPG’s October 2025 valuations.
*Annual Fee:* $125.

Why it stands out: This card offers a generous welcome bonus and grants complimentary Gold Elite status, which includes perks like 25% bonus earnings on Marriott stays. You’ll also receive a free night award certificate annually after your renewal month, making it a fantastic option for frequent travelers. With over 9,300 Marriott properties worldwide, this card provides numerous opportunities to utilize your rewards.

4. Ink Business Unlimited® Credit Card
*Welcome Offer:* Earn $900 cash back after spending $6,000 in the first three months.
*Value:* Cash back equivalent.
*Annual Fee:* $0.

Why it stands out: The Ink Business Unlimited Credit Card offers a straightforward rewards structure with unlimited 1.5% cash back on all business purchases. If you pair it with another Chase card that earns Ultimate Rewards points, you can combine your rewards for maximum value. This card is ideal for those who prefer simplicity without the burden of an annual fee.

5. Hilton Honors American Express Business Card
*Welcome Offer:* Earn 175,000 bonus points after spending $8,000 in the first six months.
*Value:* Approximately $875 based on TPG’s October 2025 valuations.
*Annual Fee:* $95.

Why it stands out: Perfect for frequent Hilton guests, this card offers 12 points per dollar spent at Hilton properties and 5 points per dollar on other purchases for the first $100,000 spent each calendar year. Cardholders also receive automatic Hilton Gold status, enhancing their stay experiences. This card’s straightforward earning structure makes it an excellent choice for business owners who want to maximize their hotel rewards.

6. The Blue Business Plus® Credit Card from American Express
*Welcome Offer:* Earn 15,000 bonus points after spending $3,000 in the first three months.
*Value:* Approximately $300 based on TPG’s October 2025 valuations.
*Annual Fee:* $0.

Why it stands out: The Blue Business Plus Credit Card is a great option for small businesses with lower spending. It offers 2 points per dollar on all purchases for the first $50,000 spent each year, then 1 point per dollar thereafter. This card is perfect for those who want to earn Membership Rewards points without worrying about high spending thresholds.

Utilizing business credit cards can be a strategic way to continue earning rewards while navigating Chase’s 5/24 rule. It’s important to remember that while business cards can help you avoid this restriction, they still require responsible management. Keep personal and business expenses separate to simplify your finances and ensure compliance with tax regulations.

Additionally, consider that some issuers, like Capital One, have their own restrictions. Most Capital One business cards do count towards your 5/24 status, so it’s crucial to be mindful of your overall application strategy.

In conclusion, business credit cards not only allow you to earn valuable rewards but also provide a way to maintain your eligibility for Chase cards. By carefully selecting the right business credit card, you can effectively manage your credit applications and maximize your rewards potential. Whether you’re a small business owner or a freelancer, these cards can be instrumental in helping you achieve your financial goals.