Cards That Don't Count Toward 5/24 (2026)
Last updated: March 11, 2026 · By an experienced web developer · 6 min read
Most business credit cards from major issuers — including Chase, Amex, Citi, Bank of America, and Capital One — do not report to personal credit bureaus and therefore do not count toward Chase's 5/24 threshold. The key exceptions are some US Bank and Discover business cards, which may appear on personal credit reports. Knowing which cards are “invisible” to 5/24 is essential for maximizing welcome bonuses.
Why Don't Some Cards Count Toward 5/24?
Chase calculates your 5/24 count by looking at new account openings on your personal credit report from the past 24 months. If a card does not appear on your personal credit report, Chase cannot see it — and it does not count toward 5/24.
Most business credit cards report only to business credit bureaus (Dun & Bradstreet, Experian Business) rather than personal bureaus (Equifax, Experian, TransUnion). This separation is why business cards are the primary tool for earning bonuses without adding to your 5/24 count.
This is based on crowdsourced data from the credit card community and may change at any time. Always verify current reporting behavior before making application decisions.
Which Business Cards Don't Report to Personal Credit Bureaus?
The following table shows major business cards and whether they report to personal credit bureaus. Cards that do not report will not count toward Chase 5/24.
| Issuer | Card Name | Reports to Personal Credit? | Counts Toward 5/24? |
|---|---|---|---|
| Chase | Ink Business Preferred | No | No |
| Chase | Ink Business Cash | No | No |
| Chase | Ink Business Unlimited | No | No |
| Amex | Business Platinum | No | No |
| Amex | Business Gold | No | No |
| Amex | Blue Business Plus | No | No |
| Citi | CitiBusiness / AAdvantage Platinum Select | No | No |
| Citi | Costco Anywhere Visa Business | No | No |
| Bank of America | Business Advantage Customized Cash | No | No |
| Capital One | Spark Cash Plus | No | No |
| Barclays | AAdvantage Aviator Business | No | No |
| US Bank | Business Leverage Visa | Sometimes | Maybe |
Reporting behavior is based on community data points as of March 2026. Issuers can change their reporting practices at any time without notice. Always verify by checking your own credit reports after opening a business card.
What Are the Key Exceptions to Watch?
While most business cards are invisible to 5/24, several important exceptions exist:
US Bank business cards
US Bank has inconsistent reporting practices. Some business cards report to personal credit bureaus, while others do not. Data points vary by product and over time. If you are close to the 5/24 threshold, treat US Bank business cards as potentially counting until you can verify on your own credit report.
Discover business cards
Discover has historically reported business cards to personal credit bureaus. If you open a Discover business card, it may count toward your 5/24 number.
TD Bank business cards
TD Bank business cards also report to personal credit bureaus in most cases. These should be treated as counting toward 5/24.
How Do You Verify Whether a Card Reports to Personal Credit?
There are two reliable methods to verify whether a specific card appears on your personal credit report:
- Check your credit report directly — Pull your free report at AnnualCreditReport.com and look for the card in question under your personal accounts. If the card does not appear, it is not reporting.
- Check community data points — Sites like r/churning and Doctor of Credit maintain databases of which business cards report and which do not. Cross-reference multiple recent data points for accuracy.
Wait at least 2 statement cycles after opening a business card before checking. Some issuers begin reporting to personal bureaus only after the first or second statement closes, not immediately upon account opening.
How Should You Use Non-Reporting Cards in Your Strategy?
Non-reporting business cards are the backbone of any long-term credit card rewards strategy. Here is how to use them effectively:
- Fill gaps between Chase applications — While waiting 3 months between Chase apps, apply for Amex or Citi business cards
- Earn bonuses while over 5/24 — If you are at 5/24 or above, business cards let you continue earning welcome bonuses while you wait for personal cards to age off
- Build business credit history — Business cards build your business credit profile separately from personal credit
- Preserve 5/24 slots — Every business card bonus you earn without using a 5/24 slot is one more high-value Chase personal card you can get later
Use the 524 Tracker to log both personal and business cards. The tool separates cards that count toward 5/24 from those that do not, giving you an accurate view of your true 5/24 count. See our complete bank rules guide for velocity limits at each issuer.
Frequently Asked Questions
Do Capital One business cards count toward 5/24?
Capital One business cards like the Spark Cash Plus and Spark Miles do not report to personal credit bureaus and therefore do not count toward 5/24. However, Capital One personal cards always count. Always verify current reporting behavior with your own credit report.
Do Amex business cards count toward 5/24?
No. American Express business cards do not report to personal credit bureaus and do not count toward Chase 5/24. This includes the Business Platinum, Business Gold, Blue Business Plus, and all other Amex business products. This makes Amex business cards excellent candidates for earning bonuses between Chase personal card applications.
How can I verify if a card reports to personal credit bureaus?
Pull your free credit reports at AnnualCreditReport.com and check if the card appears under your personal accounts. Business cards that do not report will not appear on your personal credit report. Allow 2 statement cycles after opening before checking. You can also cross-reference community data on forums like r/churning.
Do store credit cards count toward 5/24?
Yes. Store credit cards (Target RedCard, Amazon Store Card, Macy's card, etc.) are personal credit cards that appear on your personal credit report and count toward your 5/24 number. Many applicants are surprised to learn that a store card they opened for a quick discount used one of their limited 5/24 slots.
If I close a business card, will it start counting toward 5/24?
No. Closing a business card does not change whether it reports to personal credit bureaus. If the card never appeared on your personal credit file while open, closing it will not add it to your 5/24 count. The reporting behavior is determined by the issuer, not the account status.
This tool is for informational purposes only and does not constitute financial advice. Credit card approval decisions are made solely by the issuing bank. We cannot guarantee approval or bonus eligibility. Reporting behavior is based on crowdsourced community data and may change without notice — verify with your own credit report. Rules last verified March 2026. Built by an experienced web professional.
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Rules verified as of March 2026. Bank policies change without notice. Always verify with the card issuer before applying.