Approval Rules
Updated on Tue, 28 Apr 2020
No 5/24
Updated on Tue, 28 Apr 2020
Quick Summary
Card approval not subject to 5-personal-cards-in-24-months ruleBanks That Use This Rule
Understanding the No 5/24 rule:
Yes, there are some personal cards that aren't impacted by the 5/24 rule. So this one isn't actually a rule. It's the exception to the rule. But whenever a card is NOT impacted by 5/24, we'll still let you know.
About Approval Rules
Collecting credit card points is largely driven by understanding and abiding by bank rules regarding approval (or disapproval) of cards. So here’s what you need to know:
- Approval rules are rarely fully publicized by the banks
- We use our own research and data points from other users in creating the rules listing
- Our goal in sharing/using the rule listings is to provide you guidance to avoid getting declined
- There can sometimes be exceptions to the rules, but we try to take a more cautious approach in advising you.
American Express
American Express Platinum Business 
American Express Platinum Personal 
American Express Gold Personal
Delta SkyMiles Blue Personal
Delta SkyMiles Reserve Personal
Delta SkyMiles Gold Personal
Delta SkyMiles Gold Business
Delta Skymiles Platinum Personal
Hilton Honors Surpass Amex
Hilton Honors Amex
Hilton Honors Aspire Amex
Hilton Honors Amex Business
Marriott Bonvoy Brilliant Amex
Marriott Bonvoy Business
Delta SkyMiles Platinum Business
American Express Business Gold
Delta Skymiles Reserve Business
American Express Blue Preferred
American Express Green Personal
American Express Green Business
Amazon Business Amex
Marriott Bonvoy Bevy 
CitiBank
Citi AAdvantage Platinum Select WE MC
CitiBiz AAdvantage Platinum Select
AAdvantage Executive World Elite
Citi Premier Card
Citi Double Cash
Costco Anywhere Visa
Citi Rewards Plus Card
AAdvantage MileUp card
Barclaycard
AAdvantage Aviator Red World Elite
JetBlue Plus
JetBlue Business 
Lufthansa Miles Mastercard
Hawaiian Airlines Business MC
JetBlue card
Wyndham Rewards Earner
Wyndham Rewards Earner Plus
Wyndham Rewards Earner Biz
Bank Of America
Alaska Airlines Visa Business
Premium Rewards
Bank of America Travel Rewards
Business Advantage Travel Rewards
Alaska Airlines Visa Signature
Sonesta World Mastercard
Air France KLM World Elite
Discover
Discover It Cash Back 
Discover It Miles
Wells Fargo
Wells Fargo Active Cash
Does Opening Multiple Cards Hurt My Credit?
How To Maximize Cards Under 5/24 Rule