Chase points a few of the most sought-after rewards playing cards available on the market, however the financial institution additionally has a few of the strictest insurance policies relating to bank card “churning.” It makes you wait 48 months between incomes Sapphire welcome bonuses 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 definitely be denied new Chase playing cards if they’ve opened 5 or extra accounts throughout issuers previously 24 months.
All private bank card accounts depend towards this rule: playing cards with no preset spending limits, sure retailer playing cards and approved person accounts. Nevertheless, many enterprise bank cards, together with these issued by Chase, aren’t thought-about when Chase determines your 5/24 standing.
In the event you’re attempting to remain beneath 5/24, you possibly can nonetheless rack up factors and miles bonuses with enterprise playing cards with out affecting your potential to use for Chase playing cards sooner or later. This is not an exhaustive listing, nevertheless 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 one of the best enterprise playing cards to remain beneath 5/24
| Card | Finest for | Welcome supply | Incomes charges | Annual charge |
|---|---|---|---|---|
| Ink Enterprise Most well-liked® Credit score Card (see charges and costs) | Incomes Chase Final Rewards factors in a wide range 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 65,000 bonus miles after spending $4,000 on purchases inside the first 4 months of account opening. |
|
$0 introductory annual charge for the primary 12 months, then $99 thereafter |
| Marriott Bonvoy Enterprise® American Categorical® Card | Marriott loyalists | Earn three free evening awards (every evening valued at as much as 50,000 factors, for a complete potential worth of as much as 150,000 factors) after spending $6,000 on eligible purchases inside the first six months of card membership. Sure resorts have resort charges; phrases apply. |
|
$125 (see charges and costs) |
| Ink Enterprise Limitless® Credit score Card (see charges and costs) | Incomes easy money again | Earn $750 bonus money again after spending $6,000 on purchases within the first three months from account opening. |
|
$0 |
| The Hilton Honors American Categorical Enterprise Card | Hilton loylists | Earn 130,000 bonus factors after spending $6,000 on purchases inside the first six months of card membership. |
|
$195 (see charges and costs) |
| The Blue Enterprise® Plus Credit score Card from American Categorical | Incomes double American Categorical 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) |
Associated: The very best enterprise and private bank card combos
Ink Enterprise Most well-liked Credit score Card
Welcome supply: Earn 90,000 bonus factors after spending $8,000 on purchases within the first three months after opening an account. Based mostly on TPG’s June 2025 valuations, this supply is value $1,845.
Annual charge: $95.
Why I prefer it: Though it is advisable to be beneath 5/24 to be authorised 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 a wide range of bonus classes that enchantment to enterprise house owners, and these factors will be transferred to considered one of Chase’s 14 resort and airline companions.
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You will additionally take pleasure in perks like major automotive rental insurance coverage when renting for enterprise and cellphone safety. Regardless of having an annual charge, you possibly can simply recoup that price with simply $3,167 in annual spending on one of many card’s bonus classes.
To study extra, learn our full overview of the Ink Enterprise Most well-liked.
Apply right here: Ink Enterprise Most well-liked Credit score Card
Associated: 5 causes to get the Chase Ink Enterprise Most well-liked Credit score Card
Citi / AAdvantage Enterprise World Elite Mastercard
Welcome supply: Earn 65,000 bonus miles after spending $4,000 on purchases inside the first 4 months of account opening. Based mostly on TPG’s June 2025 valuations, this supply is value $975.
Annual charge: $0 introductory annual charge for the primary 12 months, then $99 thereafter.
Why I prefer it: No matter whether or not you fly American continuously, you could find 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, Danyal Ahmed, a bank cards author at TPG, 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 American miles every.
For individuals who want 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 power to earn a companion certificates after renewing your card and spending $30,000 or extra in your cardmembership 12 months.
To study extra, learn our full overview of the Citi / AAdvantage Enterprise World Elite Mastercard.
Apply right here: Citi / AAdvantage Enterprise World Elite Mastercard
Associated: What credit score rating do it is advisable to get the Citi / AAdvantage Enterprise World Elite Mastercard?
Marriott Bonvoy Enterprise American Categorical Card
Welcome supply: Earn three free evening awards (every evening valued at as much as 50,000 factors, for a complete potential worth of as much as 150,000 factors) after spending $6,000 on eligible purchases inside the first six months of card membership. Sure resorts have resort charges; phrases apply. Based mostly on TPG’s June 2025 valuations, this supply is value as much as $1,050.
Annual charge: $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 couple 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 along with your present Chase accounts.
Marriott has over 9,300 properties worldwide, together with many nice resorts the place you should use free evening certificates, such because the Sheraton Denarau Villas in Fiji. Final month, I redeemed 48,000 factors for a one-night keep at this property on a visit again from New Zealand.
To study extra, learn our full overview of the Bonvoy Enterprise Amex.
Apply right here: Marriott Bonvoy Enterprise American Categorical Card
Associated: Here is why you want each a private and enterprise Marriott Bonvoy bank card
Ink Enterprise Limitless Credit score Card
Welcome supply: Earn $750 bonus money again after spending $6,000 on purchases within the first three months from account opening.
Annual charge: $0.
Why we prefer it: The Ink Enterprise Limitless Credit score Card gives limitless 1.5% money again on each enterprise buy, good for individuals who like simplicity with earnings. Plus, for those who 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 optimum redemption worth.
In the event you want a easy, no-frills strategy to incomes money again, this card is a good possibility to remain beneath the 5/24 rule with out paying an annual charge.
To study extra, learn our full overview 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 supply: Earn 130,000 bonus factors after spending $6,000 on purchases inside the first six months of card membership. Based mostly on TPG’s June 2025 valuations, this supply is value $650.
Annual charge: $195.
Why we prefer it: In the event you keep at Hilton resorts continuously and are out there for a cobranded resort card for your corporation, the Hilton Honors Amex Enterprise is a stable possibility. It has a easy earnings construction: You will 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 12 months (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; phrases apply).
To study extra, learn our full overview 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 supply: 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 June 2025 valuations, this supply is value $300.
Annual charge: $0.
Why we prefer it: Reaching minimal spending necessities for welcome bonuses will be tough for small companies with out excessive annual spending. Nevertheless, The Blue Enterprise Plus Credit score Card has a welcome supply that’s attainable for many companies, no matter their annual spending.
Moreover, for those who worth simplicity with earnings, this card is a good match. You will earn 2 factors per greenback spent on all purchases for the primary $50,000 in spending per calendar 12 months, then 1 level per greenback after. If your corporation spends lower than $50,000, this card is a superb alternative. Plus, you will earn Membership Rewards factors and have entry to Amex’s roster of 21 resort and airline companions.
To study extra, learn our full overview of The Blue Enterprise Plus from American Categorical.
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 help you proceed to earn welcome bonuses whereas staying beneath 5/24. Bear in mind, although, that different issuers have their very own restrictions in place that may have an effect on your approval.
Thankfully, you do not want a conventional enterprise to apply for a enterprise bank card. Whether or not you stroll canine on the aspect, drive for Uber or run your personal reselling enterprise, you are eligible to use for a enterprise card.
Moreover, you could be questioning why no Capital One enterprise playing cards are on this listing. 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.
Bear in mind to maintain enterprise and private bills separate each time potential. Enterprise playing cards would not have the identical shopper protections as private playing cards, and combined bills can get messy throughout tax season. Plus, some issuers frown on utilizing your corporation card for private bills and should shut your account for doing so.
Associated: Causes to get a enterprise bank card
Backside line
Whereas Chase playing cards supply actual long-term worth for cardholders, it diligently displays account purposes. In the event you attempt to apply for too many playing cards in a brief time period, you may threat getting your account completely shut down.
Enterprise playing cards can turn out to be useful while you’re attempting to keep away from the pitfall of Chase’s 5/24 rule. In the event you time your purposes accurately, you possibly can area out your private card purposes whereas nonetheless incomes factors and miles by making use of for a enterprise card.
That manner, you are not locking your self out of alternatives to earn beneficial bonuses on Chase’s shopper playing cards.
Apply right here: Ink Enterprise Most well-liked Credit score Card
Apply right here: Citi / AAdvantage Enterprise World Elite Mastercard
Apply right here: Marriott Bonvoy Enterprise American Categorical Card
Apply right here: Ink Enterprise Limitless Credit score Card
Apply right here: Hilton Honors American Categorical Enterprise
Apply 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.
