BonusCeilingBest credit card bonuses if you are over Chase 5/24 (November 2026)
Chase usually denies new cards when you have opened 5 or more personal credit cards from any bank in the past 24 months (the widely reported 5/24 rule). If you are already at 5/24 or more, Chase cards are out — but 34 non-Chase cards we track are still worth a look, ranked by how close today's sign-up bonus is to each card's all-time high. As of November 5, 2026, 8 of them are at their all-time high, led by American Express Business Gold Card, American Express Gold Card, Bank of America Premium Rewards. Amex offers say "as high as" and can be lower for you.
By Tyler Kelly · Updated
Quick context on Chase 5/24
Widely reported (not officially published): Chase usually denies applicants who opened 5+ personal cards from any bank in the past 24 months. Most business cards from other banks don't count; Chase business cards are still subject to it. Chase pages say only that it 'may consider the number of cards you have opened and closed'. Full detail: Chase 5/24 explained. This page leaves out the 16 Chase cards we track (personal and business), matching the same 5/24 check as the eligibility checker and card picker when your count is 5 or more.
Want to also filter by spend, points vs cash, or cards you already hold? Open the at-5/24+ points preset in the picker (or pick any of the common starting points).
Non-Chase cards still open over 5/24 (34)
Sorted by today's bonus as a share of each card's tracked all-time high. Cards with no comparable record are listed last. Other issuer rules (Amex once-per-lifetime, 48-month windows and similar) still apply if you have or had the card.
| Card | Current public offer | All-time high | Annual fee | vs. record |
|---|---|---|---|---|
| American ExpressAmerican Express Business Gold Card | As high as 200,000 points after $15,000 spend in 3 months (offer varies) | As high as 200,000 points (current; also 200,000 via referral links from Jul 2024) per Amex's offer terms and Doctor of Credit | $375 | Business AT RECORD |
| American ExpressAmerican Express Gold Card | As high as 100,000 points after $8,000 spend in 6 months (offer varies) | 100,000 points (current 'as high as'; also 100,000 + up to $100 back on restaurants via a YMMV link, Jul 2024-Jan 2025) per Doctor of Credit | $325 | AT RECORD |
| Bank of AmericaBank of America Premium Rewards | 60,000 points ($600 value) after $4,000 spend in 90 days | 60,000 points after $4,000 (since Jun 2023; up from 50,000 at 2017 launch) per Doctor of Credit | $95 | AT RECORD |
| CitiCiti Double Cash | $200 after $1,500 spend in 6 months | $200 (Aug 2022-Jan 2023; again from Nov 2023); no higher public offer appears in Doctor of Credit's log | $0 | AT RECORD |
| DiscoverDiscover it Cash Back | $200 bonus statement credit after $500 spend in 3 months, plus Unlimited Cashback Match (Discover matches all cash back earned in your first year) | Cashback Match plus a $200 bonus (May 23-Sep 6, 2026) per Doctor of Credit; today's offer ties it | $0 | AT RECORD |
| American ExpressThe Business Platinum Card from American Express | As high as 300,000 points after $20,000 spend in 3 months (offer varies) | As high as 300,000 points (current; 250,000-300,000 via YMMV links since Sep 2025) per Amex's offer terms and Doctor of Credit | $895 | Business AT RECORD |
| American ExpressThe Platinum Card from American Express | As high as 175,000 points after $12,000 spend in 6 months (offer varies) | As high as 175,000 points (since Jun 2025) | $895 | AT RECORD |
| Wells FargoWells Fargo Autograph Journey | 60,000 points after $4,000 spend in 3 months | 60,000 points (at launch and now); a 100,000 offer (Sep 2025) was in-branch for Premier clients only, per Doctor of Credit | $95 | AT RECORD |
| American ExpressDelta SkyMiles Platinum American Express Card | As high as 90,000 miles after $3,000 spend in 6 months (offer varies) | 100,000 miles (80,000 after $4,000 + 20,000 after $2,000 more in 6 months; Jan-Apr and Jun-Jul 2026) per Doctor of Credit. The limited-time $300 statement credit that ran with the Oct–Nov 4, 2026 public offer has ended. | $350 | 90% of record |
| American ExpressDelta SkyMiles Gold American Express Card | As high as 80,000 miles after $2,000 spend in 6 months (offer varies) | 90,000 miles (Mar 2021; Jul-Aug 2021 with a $200 credit; Jan-Apr and Jun-Jul 2026 as 70,000 + 20,000 after $5,000 total) per Doctor of Credit. The limited-time $250 statement credit that ran with the Oct–Nov 4, 2026 public offer has ended. | $0 first year, then $150 | 89% of record |
| Bank of AmericaAtmos Rewards Ascent Visa (Alaska Airlines) | 70,000 points + $99 Companion Fare after $2,500 spend in 90 days (limited-time online offer) | 85,000 points + $99 Companion Fare after $4,000-$4,500 in 120 days (Sep 2025 launch; back Feb and Mar 2026; listed until Aug 2026) per Doctor of Credit | $95 | 82% of record |
| Capital OneCapital One Quicksilver | $200 after $500 spend in 3 months | $250 (Feb 2021-Feb 2022) per Doctor of Credit | $0 | 80% of record |
| Capital OneCapital One Savor | $200 after $500 spend in 3 months | $250 after $500 in 3 months (Jun 2026) per Doctor of Credit, the highest we found for the current no-annual-fee Savor (the discontinued $95-fee Savor offered $300-$500) | $0 | 80% of record |
| Capital OneCapital One Venture | 75,000 miles after $4,000 spend in 3 months + $300 Capital One Travel stays credit | 100,000 miles (2021 after $20,000 in 12 months; 2023 after $5,000 in 3 months; a 100k-or-75k+$250 choice Mar-May 2025) per Doctor of Credit; today's offer adds a $300 travel credit | $95 | 75% of record |
| Capital OneCapital One Venture X | 75,000 miles after $4,000 spend in 3 months | 100,000 miles: + $200 vacation rental credit at launch (Nov 2021-Mar 2022), and after $10,000 in 6 months (Nov 2025-Jan 2026) per Doctor of Credit | $395 | 75% of record |
| Capital OneCapital One Venture X Business | Up to 300,000 miles + $1,000 Capital One Business Travel credit: 150,000 after $40,000 spend in 4 months, plus another 150,000 miles and the $1,000 credit after $120,000 total spend in 4 months (limited-time offer) | 400,000 miles (200,000 after $30,000 in 3 months + 200,000 after $150,000 total in 6 months; Nov 2025-Jan 2026) per Doctor of Credit | $395 | Business 75% of record |
| CitiCiti Strata Elite | 75,000 points after $6,000 spend in 3 months | 100,000 points after $6,000 in 3 months (Nov 2025-Feb 2026; Feb-Apr 2026) per Doctor of Credit | $595 | 75% of record |
| CitiCiti Strata Premier | 60,000 points after $4,000 spend in 3 months | 80,000 points after $4,000 in 3 months (Jul 2021-Jan 2022; Jun 2022-Jan 2023) per AwardWallet and BonusEagle; TPG lists 75,000 as the highest it has seen | $95 | 75% of record |
| American ExpressHilton Honors American Express Card | 70,000 points + Free Night Reward after $2,000 spend in 6 months | 100,000 points + $100 statement credit (Feb-Mar 2021; Jun-Oct 2022) per Doctor of Credit | $0 | 70% of record |
| American ExpressBlue Business Cash Card from American Express | As high as $500 statement credit after $5,000 spend in 3 months (offer varies) | $750 via a YMMV/targeted link (Jul 2022 after $15,000; Apr 2025 and Apr 2026 after $6,000) per Doctor of Credit | $0 | Business 67% of record |
| American ExpressBlue Business Plus Card from American Express | As high as 50,000 points after $5,000 spend in 3 months (offer varies) | 75,000 points after $15,000 via a YMMV/targeted link (Jul 2022; Jan 2025; Dec 2025) per Doctor of Credit | $0 | Business 67% of record |
| Capital OneCapital One Spark Cash Plus | $2,000 after $30,000 spend in 3 months | $3,000 ($500 after $5,000 in 3 months + $2,500 after $50,000 in 6 months; Jan-Mar 2022) per Doctor of Credit; $2,000 + $500 travel credit after $30,000 (Jul-Sep 2026) | $150 | Business 67% of record |
| Wells FargoWells Fargo Autograph | 20,000 points after $1,000 spend in 3 months | 30,000 points ($300) (Aug 2022-Jul 2023; again from Nov 2023) per Doctor of Credit | $0 | 67% of record |
| American ExpressHilton Honors American Express Surpass | 130,000 points + Free Night Reward after $3,000 spend in 6 months | 200,000 points (150,000 after $2,000 in 3 months + 50,000 after $10,000 total in 6 months) via a YMMV link, Sep 2021, per Doctor of Credit; The Points Guy lists 180,000 as the top public version | $150 | 65% of record |
| American ExpressBlue Cash Preferred Card from American Express | $250 cash back after $3,000 spend in 6 months | $400 after $3,000 in 6 months (Jun 2022-Mar 2023) per Doctor of Credit | $0 first year, then $95 | 62% of record |
| CitiCiti / AAdvantage Platinum Select | 50,000 miles after $2,500 spend in 3 months | 80,000 miles (Sep 2025-Aug 2026; again Oct 2026); no higher offer appears in Doctor of Credit's log | $0 first year, then $99 | 62% of record |
| American ExpressBlue Cash Everyday Card from American Express | $150 cash back after $2,000 spend in 6 months | $250 after $2,000 in 6 months (Jul 2022; a $250 link is also listed by Doctor of Credit in Oct 2026) | $0 | 60% of record |
| Wells FargoWells Fargo Active Cash | $100 after $500 spend in 3 months | $200 cash rewards bonus (from the 2021 launch; Doctor of Credit still lists a $200 offer after $1,500 in 6 months in Oct 2026) | $0 | 50% of record |
| American ExpressMarriott Bonvoy Bevy American Express Card | 85,000 points after $5,000 spend in 6 months | 175,000 points after $5,000 in 6 months (Mar 12-May 13, 2026) per Doctor of Credit | $250 | 49% of record |
| U.S. BankU.S. Bank Altitude Connect | 20,000 points after $1,000 spend in 90 days | Up to 60,000 points (Jan 2022, when the card had a $95 fee waived the first year) per Doctor of Credit; 30,000 ($300) Aug 2025-Jul 2026 | $0 | 33% of record |
| Bank of AmericaBank of America Customized Cash Rewards | $200 after $1,000 spend in 90 days | Unknown (not verified) | $0 | History unknown |
| Bank of AmericaBank of America Travel Rewards | 25,000 points ($250 value) after $1,000 spend in 90 days | Unknown (not verified) | $0 | History unknown |
| BiltBilt Palladium Card | 50,000 points + Gold status + $300 Bilt Cash after $4,000 spend (not rent/mortgage) in 90 days | Unknown (not verified) | $495 | History unknown |
| DiscoverDiscover it Miles | Unlimited Miles Match: Discover matches all miles earned in your first year (no minimum spend) | Unknown (not verified) | $0 | History unknown |
Frequently asked questions
What does over Chase 5/24 mean?
Widely reported (not officially published): Chase usually denies applicants who opened 5+ personal cards from any bank in the past 24 months. Most business cards from other banks don't count; Chase business cards are still subject to it. Chase pages say only that it 'may consider the number of cards you have opened and closed'. Chase does not publish the rule; it is widely reported. See our Chase 5/24 guide for what counts.
Which cards are still open if I am at 5/24 or more?
As of November 5, 2026, 34 of the 50 cards we track do not carry the Chase 5/24 rule (every Chase card in our data does). Ranked by how close today's bonus is to each card's all-time high, the top picks are American Express Business Gold Card, American Express Gold Card, Bank of America Premium Rewards. Chase cards are left out because Chase very likely denies at 5/24 or more.
Does this list match the card picker?
Yes for the 5/24 filter. The picker uses the same per-card rule checks as the eligibility checker: at 5 or more personal cards in 24 months it drops every card tagged chase-524. This page is that same filter, frozen as a ranked table (no spend cap, no held-card filter, personal and business). Use the picker if you also want to filter by spend, points vs cash, or cards you already have.
Will I get the full Amex 'as high as' offer?
Not necessarily. Amex shows the maximum possible offer; after you apply it shows your actual offer before you accept the card, and it can be lower.
Will I still get an Amex, Capital One or Citi bonus?
Maybe. Being over 5/24 only clears the Chase velocity rule. Amex once-per-lifetime, Capital One and Citi 48-month windows, Wells Fargo 48-month, Bank of America 24-month and similar rules still apply if you have or had that card. Tick cards you hold in the card picker or use the eligibility checker before you apply.
How is this list ranked?
By today's public offer as a share of the highest public offer we've tracked for the same card, using cited offer histories. Cards whose history we couldn't verify are listed last; we don't guess.
See also: Chase 5/24 explained · card picker at 5/24+ · cards at their all-time high · best bonuses right now (November 2026) · issuer rules · all bonuses