The Chase 5/24 Rule for Your Chase Freedom Unlimited® Application
Accurate as of: November 16, 2025
When applying for a credit card from Chase, you must understand one of the industry's most widely known and restrictive application rules: the 5/24 rule. Understanding this rule is critical to a successful application for the popular Chase Freedom Unlimited® card.
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What is the Chase 5/24 Rule?
The 5/24 rule is an internal policy at Chase that typically results in an automatic denial if you have opened five or more new credit card accounts (from any bank, not just Chase) in the last 24 months.Why the 5/24 Rule Matters for the Freedom Unlimited®
The Chase Freedom Unlimited® is subject to the 5/24 rule.If you are a high-volume applicant who has opened six cards in the last two years, you will almost certainly be denied the Freedom Unlimited® card. It doesn't matter if you have a perfect credit score or a long history as a loyal Chase customer; the rule is a hard cutoff for most applicants.
How to Check Your 5/24 Status
The best way to determine if you are 5/24 is to check your credit reports from all three major bureaus (Experian, Equifax, TransUnion) and manually count how many new accounts have a recent open date.Summary: The Golden Rule of Chase Applications
The Chase 5/24 rule is the single most important factor when applying for the Chase Freedom Unlimited® card. To maximize your approval odds, ensure you are below the 5/24 threshold before submitting your application.For a full guide on the card’s benefits, rewards, and application process, view our main guide: Chase Freedom Unlimited® Review: $0 Annual Fee and Strong Cash Back Rewards.
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FICO® Credit Score Facts
- Three-Digit Number: Like other credit scores, FICO® Scores are a three-digit number that summarizes a consumer's credit risk.
- Range: Most standard FICO® Scores range from 300 to 850. Higher scores indicate lower credit risk.
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