Am I under 5/24?
Enter every personal card you've been approved for in the last 24 months. We'll compute Chase 5/24, Amex once-per-lifetime, Citi 8/65/95, Capital One 1/6, BoA 2/3/4, US Bank 2/12 — and tell you who'll deny you today.
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Chase 5/24
If you've been approved for 5+ personal cards from ANY issuer in the last 24 months, Chase will deny new applications. Business cards from Chase, Cap One, US Bank generally don't count toward 5/24 but Amex/BoA/Barclays business cards do. Once the oldest card ages off, you're back under.
Amex once-per-lifetime
If you've ever been approved for a specific Amex card, you'll never get its signup bonus again. The pop-up box during application is the visible enforcement — but the rule itself is permanent. Family rules apply (Plat → Biz Plat, Gold → Biz Gold).
Citi 8/65/95
At most 8 personal Citi cards in 65 days, and a 95-day cooldown between Citi approvals in the same family (Sapphire-class, AAdvantage, etc.). The 95-day rule is what trips most churners up — the 8/65 is loose.
Capital One 1/6
One personal Capital One card per 6 months. Cap One also has a hard limit of 2 personal cards across your entire lifetime — the 1/6 is just the velocity rule.
BoA 2/3/4
Bank of America: at most 2 personal cards in 30 days, 3 in 12 months, 4 in 24 months. The 24-month limit is the binding constraint for most churners.
US Bank 2/12
At most 2 US Bank personal cards approved in the last 12 months. US Bank pulls hard credit even for retention. Conservative wait.
Does Chase 5/24 count business cards?expand_more
Generally no — most Chase business cards don't add to your 5/24 count (Chase Ink Business cards are the canonical examples). But they ARE subject to the rule when you apply, meaning if you're at 5+, you'll be denied. The calculator excludes cards you mark as business from the 5/24 count.
What's Amex once-per-lifetime?expand_more
If you've ever been approved for a specific Amex card, you can apply again but won't get the signup bonus. The pop-up box that appears during application is the most visible enforcement, but the rule itself is permanent. The calculator flags any Amex card you've previously been approved for.
How is Citi 8/65/95 different from 5/24?expand_more
5/24 counts approvals from ANY issuer in 24 months. Citi's rule is internal — 8 personal cards in 65 days OR within 95 days of another Citi approval (within the same family for some cards). The 95-day rule is what bites most churners.
Are these rules official?expand_more
Chase 5/24 is unofficial but consistently enforced. Amex once-per-lifetime is official. Capital One 1/6 and Citi 8/65/95 are well-documented from data points. BoA 2/3/4 and US Bank 2/12 are conservative reads of community data. We err on 'you'll be denied' rather than 'go ahead.'
What's the difference between this and the Pro version?expand_more
This free tool answers 'am I eligible.' Pro pulls eligibility directly from your saved wallet, ties it to your active retention windows, surfaces which next card optimizes the slot you'd burn, and tracks 5/24 clearing dates as an alert.
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Card Coach reasons through all 7 issuer rules against your real wallet, surfaces upcoming retention call windows, and tells you which next card optimizes the 5/24 slot you'd burn.
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