Chase points a number of the most sought-after rewards playing cards in the marketplace, however the financial institution additionally has a number 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 knowledge confirms that candidates will virtually 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. Nonetheless, many enterprise bank cards, together with these issued by Chase, aren’t thought of when Chase determines your 5/24 standing.
Should you’re attempting to remain underneath 5/24, you possibly can nonetheless rack up factors and miles with enterprise playing cards with out affecting your capacity 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 out there proper now.
Associated: The very best no-annual-fee enterprise bank cards
Evaluating the very best enterprise playing cards to remain underneath 5/24
Earn 5 factors per greenback spent on Lyft rides by Sept. 30, 2027.
Earn 3 factors per greenback spent on promoting purchases with social media and engines like google; cable, web and telephone providers; and delivery and journey purchases (on the primary $150,000 spent in mixed purchases every account anniversary yr, then 1 level per greenback).
Earn 1 level per greenback spent on all different eligible purchases.
$95Citi® / AAdvantage Enterprise™ World Elite Mastercard® (see charges and costs)American Airways loyalistsEarn 75,000 bonus miles after spending $5,000 on purchases inside the first 5 months of account opening.
Earn 2 miles per greenback spent on the next classes: cable and satellite tv for pc suppliers, automobile rental retailers, eligible American Airways purchases, fuel stations and telecommunications retailers.
Earn 1 mile per greenback spent on all different purchases.
$0 introductory annual payment for the primary yr, then $99 thereafterMarriott Bonvoy Enterprise® American Categorical® CardMarriott loyalistsEarn 125,000 bonus factors after spending $8,000 on purchases within the first six months of card membership. Supply ends Oct. 22.
Earn 6 factors per greenback spent on eligible purchases at Marriott accommodations.
Earn 4 factors per greenback spent on eating places worldwide, at U.S. fuel stations, on U.S. delivery purchases and on U.S. wi-fi phone service purchases.
Earn 2 factors per greenback spent on all different purchases.
$125 (see charges and costs)Ink Enterprise Limitless® Credit score Card (see charges and costs)Incomes easy money backEarn $900 bonus money again after spending $6,000 on purchases within the first three months from account opening.
Earn 5% money again on Lyft rides by Sept. 30, 2027.
Earn 1.5% money again on all different eligible purchases.
$0The Hilton Honors American Categorical Enterprise CardHilton loyalistsEarn 175,000 bonus factors after spending $8,000 on purchases within the first six months of card membership. Supply ends Jan. 14.
Earn 12 factors per greenback spent on eligible Hilton purchases.
Earn 5 factors per greenback spent on all different eligible purchases (as much as $100,000 every calendar yr, then 3 factors per greenback thereafter).
$195 (see charges and costs)The Blue Enterprise® Plus Credit score Card from American CategoricalIncomes a whole lot of American Categorical Membership Rewards pointsEarn 15,000 bonus factors after spending $3,000 on purchases within the first three months of card membership.
Earn 2 factors per greenback spent on the primary $50,000 spent every calendar yr, then 1 level per greenback thereafter.
$0 (see charges and costs)
The data 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: The very best enterprise and private bank card mixtures
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.
Primarily based on TPG’s October 2025 valuations, this provide is price $1,845.
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Annual payment: $95.
Why I prefer it: Though you’ll want to be underneath 5/24 to be authorised 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 house owners, and these factors may be transferred to considered one of Chase’s 14 lodge 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 what you are promoting spends closely on this card’s bonus classes, this card is usually a highly effective addition to your pockets regardless of its annual payment.
To study 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 provide: 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 provide is price $1,163.
Annual payment: $0 introductory annual payment for the primary yr, then $99 thereafter.
Why I prefer it: No matter whether or not you fly American ceaselessly, yow 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 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 many who choose American for his or her travels, you will 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 study 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 you’ll want to get the Citi / AAdvantage Enterprise World Elite Mastercard?
Marriott Bonvoy Enterprise American Categorical 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.
Primarily based on TPG’s October 2025 valuations, this provide is price $875.
Annual payment: $125.
Why I prefer it: One other stable possibility 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 pair 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 this can be a nice card to pair together with your current Chase accounts.
Marriott has over 9,300 properties worldwide, together with many nice accommodations the place you need to use free evening certificates. That features the Sheraton Denarau Villas, the place I beforehand redeemed a certificates.
To study 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 provide: Earn $900 bonus money again after spending $6,000 on purchases within the first three months from account opening.
Annual payment: $0.
Why I prefer it: The Ink Enterprise Limitless Credit score Card gives limitless 1.5% money again on each enterprise buy, excellent for many who like simplicity with earnings.
Plus, if you happen to 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.
Should you choose a easy, no-frills method to incomes money again, this card is a superb possibility to remain underneath 5/24 with out paying an annual payment.
To study 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 provide: 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 provide is price $875.
Annual payment: $195.
Why I prefer it: Should you keep at Hilton accommodations ceaselessly and are out there for a cobranded lodge card for what you are promoting, the Hilton Honors Amex Enterprise is a stable possibility.
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 Government standing (enrollment within the Emerald Membership program is required).
To study 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 provide: 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 provide is price $300.
Annual payment: $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, if you happen to 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 what you are promoting spends lower than $50,000 every year, this card is a superb selection. Plus, you will earn Membership Rewards factors and have entry to Amex’s roster of 20 lodge and airline companions.
To study 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 may also help you proceed to earn welcome bonuses whereas staying underneath 5/24. Take into account, although, that different issuers have their very own restrictions in place which may have an effect on your approval.
Happily, you do not want a standard enterprise to use for a enterprise bank card. Whether or not you stroll canine 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 do not need the identical client protections as private playing cards, and combined bills can get messy throughout tax season.
Plus, some issuers frown on utilizing what you are promoting 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 functions. Should you get authorised for too many playing cards in a brief time frame, you could possibly threat getting future functions for Chase playing cards denied.
Enterprise playing cards can turn out to be useful if you’re attempting to keep away from the pitfall of Chase’s 5/24 rule. Should you time your functions appropriately, you possibly can house out your private card functions whereas nonetheless incomes factors and miles by making use of for a enterprise card.
That method, 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 MastercardApply right here: Marriott Bonvoy Enterprise American Categorical CardApply right here: Ink Enterprise Limitless Credit score CardApply right here: Hilton Honors American Categorical EnterpriseApply 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.
