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(UPDATE: I applied for the card offer I got in the mail – see what happened in part 2 of the story)
The introduction of the Chase 5/24 rule has put a damper on my personal ability to apply for new Chase cards. The 5/24 rule says that if you’ve applied for 5 or more cards (from ANY bank) in the past 24 months, then you are likely to be denied from many Chase cards. For instance, I couldn’t get the new Chase Sapphire Reserve card or the new Chase Ink Preferred card
Getting around the Chase 5/24 rule
There are a few Chase cards that you can still get even if you’re over 5/24. For instance, I recently applied for the Chase Hyatt card and was approved (with the 40,000 point signup bonus). I know that the IHG card is also not subject to 5/24
(SEE ALSO: Why you should get 2 IHG cards at the same time)
There are also reports that if you are a Chase Private Client or if you are pre-approved in branch that you can get around 5/24.
But now Chase is sending me enticing emails….
I got an email from Chase this morning, offering me to apply for the new Chase Ink Cash card. I have the Ink Plus card, but not the Ink Cash or Ink Preferred
The Ink Cash card isn’t a premium card (so I wouldn’t be able to transfer URs to transfer partners (without having another premium card like the Ink Plus). It does do the 5x at office supply stores (similar to the Ink Plus but unlike the Ink Preferred). It has a limit of $25,000 at office supply stores (as compared to the $50,000 limit for the Ink Plus) and doesn’t have an annual fee
The 30,000 mile question…
The 30,000 mile question is whether or not I’ll be able to get the Ink Cash card even though I’m over 5/24. I mean, I haven’t even been trying, but then they go and try and entice me with these emails?!?!
Maybe I’ll try to go in-branch and see if I’m preapproved. Or maybe I’ll just give it a try.
(UPDATE: I applied for the card offer I got in the mail – see what happened in part 2 of the story)
Has anyone else that’s over 5/24 gotten one of these emails for a Chase card? Leave your experiences in the comments
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Dan Miller travels with his wife and 6 (SIX!) children. He loves to help families travel for free / cheap, especially larger families. If you are looking for help, drop him an email at 
It seems like just a email ads. I suggest if you want to apply it, you’d better check with the branch.
Chase targeted offers are different from general marketing, they should have a unique identifier on the body of the email (made up of numbers and letters, starting with something like LCINK) as well as specific interest rates as part of the offer. One can confirm this by sending a direct message to Chase online, they’ll tell you if it was a targeted offer to you or a general marketing email.
Also, it has been pretty well established via data points that many people who were pre-approved by Chase got the specific card despite being over 5/24.
Got a similar email about the Ink Preferred – if you apply from the email link, be sure to let us know what happens!
Not too long ago, I had received so many email and mail offers for their Marriott card that I figured I was pre-approved. Nope, I got 5/24’d! I even called the reconsideration line to doublecheck and they confirmed and said there was nothing they could do. Hope you have better luck.
Just another case of Chase’s marketing department not communicating with the rest of the company. I wouldn’t be surprised to hear they get paid based on the number of emails they send out per month.
No go for me either, received targeted mail offer with code for 100k ink last month, 5/24 still applied
I’m way over 5/24, but was able to get the Sapphire Reserve by going in-branch with pre-approval. I went in-branch with pre-approval again for the Sapphire Preferred and got 5/24’d.