Chase points a few of the most sought-after rewards playing cards in the marketplace, however the financial institution additionally has a few of the strictest insurance policies relating to 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 information confirms that candidates will nearly definitely be denied new Chase playing cards if they’ve opened 5 or extra accounts throughout issuers prior to now 24 months.
All private bank card accounts depend 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.
If you happen to’re making an attempt to remain beneath 5/24, you may nonetheless rack up factors and miles with enterprise playing cards with out affecting your skill to use for Chase playing cards sooner or later. This is not an exhaustive listing, but it surely covers a few of my favourite enterprise playing cards out there proper now.
Associated: One of the best no-annual-fee enterprise bank cards
Evaluating the very best enterprise playing cards to remain beneath 5/24
| Card | Greatest for | Welcome supply | Incomes charges | Annual payment |
|---|---|---|---|---|
| Ink Enterprise Most popular® Credit score Card | Incomes Chase Final Rewards factors in quite a lot 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 charges) | American Airways loyalists | Earn 75,000 bonus miles after spending $5,000 on purchases throughout the first 5 months of account opening. |
|
$0 introductory annual payment for the primary yr, then $99 thereafter |
| Marriott Bonvoy Enterprise® American Categorical® Card | Marriott loyalists | Earn 125,000 bonus factors after spending $8,000 on purchases within the first six months of card membership. Provide ends Oct. 22. |
|
$125 (see charges and charges) |
| Ink Enterprise Limitless® Credit score Card (see charges and charges) | Incomes easy money again | Earn $900 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 loyalists | Earn 175,000 bonus factors after spending $8,000 on purchases within the first six months of card membership. Provide ends Jan. 14. |
|
$195 (see charges and charges) |
| The Blue Enterprise® Plus Credit score Card from American Categorical | Incomes a variety of 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 charges) |
The knowledge for the Ink Enterprise Most popular has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Associated: One of the best enterprise and private bank card combos
Ink Enterprise Most popular Credit score Card
Welcome supply: Earn 90,000 bonus factors after spending $8,000 on purchases within the first three months from account opening.
Based mostly on TPG’s October 2025 valuations, this supply is price $1,845.
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Annual payment: $95.
Why I prefer it: Though it’s worthwhile to be beneath 5/24 to be authorised for this card, the Ink Enterprise Most popular Credit score Card will not depend towards this rule. Plus, it earns priceless Final Rewards factors in quite a lot of bonus classes that attraction to enterprise house owners, and these factors may be transferred to one in every of Chase’s 14 lodge and airline companions (13 companions after Oct. 16).
You will additionally get pleasure from perks like major automobile rental insurance coverage when renting for enterprise and cellphone safety. If your small business spends closely on this card’s bonus classes, this card could be a highly effective addition to your pockets regardless of its annual payment.
To be taught extra, take a look at our full evaluate of the Ink Enterprise Most popular.
Associated: 5 causes to get the Chase Ink Enterprise Most popular Credit score Card
Citi / AAdvantage Enterprise World Elite Mastercard
Welcome supply: Earn 75,000 bonus miles after spending $5,000 on purchases throughout the first 5 months of account opening.
Based mostly on TPG’s October 2025 valuations, this supply 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 steadily, 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 favor American for his or her travels, you will get pleasure from 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 a cardholder yr.
To be taught 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 it’s worthwhile to get the Citi / AAdvantage Enterprise World Elite Mastercard?
Marriott Bonvoy Enterprise American Categorical Card
Welcome supply: Earn 125,000 bonus factors after spending $8,000 on purchases within the first six months of card membership. Provide ends Oct. 22.
Based mostly on TPG’s October 2025 valuations, this supply is price $875.
Annual payment: $125.
Why I prefer it: One other strong 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 motels the place you need to use free evening certificates. That features the Sheraton Denarau Villas, the place I beforehand redeemed a certificates.
To be taught extra, take a look at our full evaluate 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 $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 individuals who like simplicity with earnings.
Plus, when you pair this card with a Chase card that earns Final Rewards factors, just like the Chase Sapphire Most popular® Card (see charges and charges), you may pool your Ink Enterprise Limitless rewards and have entry to Chase’s switch companions for optimum redemption worth.
If you happen to favor a easy, no-frills method to incomes money again, this card is a good possibility to remain beneath 5/24 with out paying an annual payment.
To be taught 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 supply: Earn 175,000 bonus factors after spending $8,000 on purchases within the first six months of card membership. Provide ends Jan. 14.
Based mostly on TPG’s October 2025 valuations, this supply is price $875.
Annual payment: $195.
Why I prefer it: If you happen to keep at Hilton motels steadily and are out there for a cobranded lodge card for your small business, the Hilton Honors Amex Enterprise is a strong 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 yr (then 3 factors per greenback thereafter).
Plus, cardmembers obtain computerized Hilton Gold standing and Nationwide Emerald Membership Govt standing (enrollment within the Emerald Membership program is required).
To be taught 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 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 October 2025 valuations, this supply 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 supply that is attainable for many companies, no matter their annual spending.
Moreover, when you 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 yr, then 1 level per greenback after.
If your small business spends lower than $50,000 annually, this card is a wonderful alternative. Plus, you will earn Membership Rewards factors and have entry to Amex’s roster of 20 lodge and airline companions.
To be taught 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 will 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 standard enterprise to apply for a enterprise bank card. Whether or not you stroll canines 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 do not need the identical client protections as private playing cards, and blended bills can get messy throughout tax season.
Plus, some issuers frown on utilizing your small business 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 supply actual long-term worth for cardholders, it diligently displays account purposes. If you happen to get authorised for too many playing cards in a brief time frame, you may danger getting future purposes for Chase playing cards denied.
Enterprise playing cards can turn out to be useful if you’re making an attempt to keep away from the pitfall of Chase’s 5/24 rule. If you happen to time your purposes appropriately, you may area out your private card purposes 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 priceless bonuses on Chase’s client playing cards.
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 charges of the Marriott Bonvoy Enterprise, click on right here.
For charges and charges of the Hilton Honors American Categorical Enterprise, click on right here.
For charges and charges of the American Categorical Blue Enterprise Plus, click on right here.