5 Great Chase Rewards Cards That Are Easy to Get

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I don't have referral links for the Hyatt, Marriott business, or Ritz-Carlton credit cards. Information about the products is neither provided nor reviewed by their issuer.

In order to root out customers who just want to sign up for credit cards, pocket the bonus and move on, many people who have opened 5 or more new accounts within the previous 24 months don’t get approved for new Chase accounts. That’s frequently referred to as “5/24.”

However some cards are exempt from 5/24, and the number of new accounts you’ve had in the last two years won’t disqualify you from being approved.

So if you have good credit, and can otherwise qualify for a rewards card, but you’re over ‘5/24’ there are 5 great Chase Rewards cards that you can still get.

  1. British Airways Visa Signature® Card was the first US credit card I’m aware of to ever offer a 100,000 point bonus in 2009. Their big bonus is back, and it’s structured as follows: 50,000 after $3,000 spend on purchases within the first 3 months from account opening; 25,000 after $10,000 total spend on purchases within your first year of account opening — for a total of 75,000 bonus Avios ($7000 additional spend on top of the first $3000 for 50,000 Avios.); an additional 25,000 after a total of $20,000 spend within your first year from account opening — for a total of 100,000 bonus Avios. (Offer expired)

    British Airways First Class

  2. IHG Rewards Club Select Credit Card lets you earn 80,000 bonus points after $1000 spend within 3 months. (Offer expired) There’s a free anniversary night each year valid at any participating IHG Rewards Club hotel, making it worth keeping the card.

    The card comes with platinum status and a 10% rebate on redemptions up to 100,000 points back each year.

    Intercontinental Singapore

  3. The Hyatt Credit Card offers 40,000 points after $2,000 in purchases in the first 3 months after account opening. You also get 5000 bonus points for adding an authorized user to your account and making a purchase with the card in that same 3 month timeframe.

    Park Hyatt Hadahaa, Maldives

  4. Ritz-Carlton Rewards Credit Card lets you earn 2 complimentary nights at any participating Tier 1-4 Ritz-Carlton hotel after $4000 in purchases within 3 months of account opening.

    Ritz-Carlton Laguna Niguel, Credit: Ritz-Carlton

    The card’s $450 annual fee card is offset by a $300 annual travel credit. You get automatic gold status for your first year and keep it with $10,000 spend on the card each year ($75,000 spend in an account year gets Platinum).

    There’s a $100 companion airfare credit when buying tickets through their portal, and the card comes with 3 complimentary upgrades to Ritz-Carlton club level each year valid on paid stays of up to seven nights.

  5. Marriott Rewards Premier Business Credit Card can earn 80,000 points after $3000 in purchases within 3 months from account opening.

    The card gives you Gold status after $50,000 in purchases each account year and a free night in a category 1-5 hotel each year after account anniversary.

    Category 9 Mauna Kea Beach Hotel Hawaii, Credit: Marriott

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community InsideFlyer.com, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of any advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.


  1. Gary… regarding the Hyatt card and the 5,000 additional points for an authorized user. Ehen I signed up for the card I didn’t see anywhere (even in the fine print) that there was the 5,000 point bonus for the authorized user. And if this is true, how do they know the authorized user made a purchase? My card is the exact same as my wife’s (she’s the authorized user) Account number and security code are the same.

  2. I can’t say enough good things about the Ritz Card, the club level up grades literally changed the way myself and my wife vacation

  3. I added the IHG and Hyatt on the same day last week, they called me and we moved my credit line around.

    I’m expecting to keep these cards for long term, so long as we don’t have an issue redeeming the annual night.

    We’re a family of 5, so sometimes it is harder to get one room

  4. How do you know if you’ve maximized the amount of money a bank is willing to lend you? I’m under 5/24 but I also have a lot of unsecured lines of credit from Chase.

  5. Gary:

    Nice information re the five cards not subject to the CMB 5/24 rule.
    However, am I disqualified if I have had one of the five cards noted (closed) within the last 24 months?

    (Closed my Chase BA card in Dec 2015 and Marriott Biz in Aug 2016.)


  6. @ Billiken – I closed my British Airways card back in February 2017 because I really wasn’t using it and then saw this offer again with BA. According to the rules listed with the BA card as long as I hadn’t received the BONUS – not the credit card account itself – within the last 24 months I would qualify. I opened a new BA card with Chase in June right before vacation and I earned the bonus.

    I would read each card’s qualifications. I was pretty confident since it didn’t restrict when I had the card, just when I last earned the bonus.

  7. @KeninDFW — thanks for the excellent information (answering my question).

    Safe Travels,

  8. I was planning to get the Hyatt card at 2 nights sign-up but then they switched it to 40,000 points. But my husband and I both got IHG cards, so we can stay 2 nights at an Intercontinental or other nice hotel each year, for $49/night. That’s a sweet deal.

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