Do Business Cards Count Toward Chase 5/24?
The short answer
The Chase 5/24 rule counts personal credit cards you have opened in the past 24 months. Most business cards never touch your personal credit report, so opening one does not add to your 5/24 total. There is one wrinkle: Chase still requires you to be under 5/24 to be approved for its own business cards, even though that card will not add to the count once it is open.
Why most business cards do not count
Business cards from major issuers like Chase, American Express, Citi, U.S. Bank, and Barclays report to commercial credit bureaus, not to your personal credit file. Because 5/24 is based on personal-report accounts, those business cards are invisible to the count. That is why a Chase Ink card or an Amex Business card can be opened without spending a 5/24 slot. See our guide on personal vs business cards for the wider differences.
The exceptions that do count
A few issuers report their business cards to your personal credit, which means those cards do add to your 5/24 total. The well-known ones are Capital One, Discover, and TD Bank. If you are managing your 5/24 carefully and want a business card that stays off your personal report, avoid those and choose a business card from an issuer that keeps business activity separate.
How to use this to your advantage
This is the foundation of a smart application order. Open the Chase personal cards you want while you are still under 5/24, then lean on business cards from issuers that do not report to keep earning bonuses without filling personal slots. Just remember the rule that still applies: you must be under 5/24 at the moment you apply for a Chase business card, even though it will not count afterward. The Personal Tracker counts this correctly, ignoring most business cards while still counting Capital One, Discover, and TD.
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