topic Re: Data Points Suggesting Chase ignoring 5/24 for Sapphire Reserve in Credit Card Applications

Data Points Suggesting Chase ignoring 5/24 for Sapphire Reserve

Soundersfan1 — Wed, 26 Nov 2025 11:30:08 GMT

So I've been seeing some data points that Chase has been ignoring the 5/24 rule for the Sapphire Reserve. I know that Chase often also does this with their Amazon Prime Visa card and it wouldn't surprise me if they did ignore the 5/24 for the CSR especially for prime customers. Does anyone else have any more info on this? I fall below 5/24 August 2026 and my next card on my roadmap is the CSR so it would be nice to be able to get my hands on the card before August.

Re: Data Points Suggesting Chase ignoring 5/24 for Sapphire Reserve

NoMoreE46 — Wed, 26 Nov 2025 13:26:01 GMT

I havent really noticed Chase not adhering to its 5/24 but for the Prime. Can you link a few examples?

@Soundersfan1 wrote:
So I've been seeing some data points that Chase has been ignoring the 5/24 rule for the Sapphire Reserve. I know that Chase often also does this with their Amazon Prime Visa card and it wouldn't surprise me if they did ignore the 5/24 for the CSR especially for prime customers. Does anyone else have any more info on this? I fall below 5/24 August 2026 and my next card on my roadmap is the CSR so it would be nice to be able to get my hands on the card before August.

Re: Data Points Suggesting Chase ignoring 5/24 for Sapphire Reserve

CreditCuriosity — Wed, 26 Nov 2025 14:57:43 GMT

No supporting information either unless have a green checkmark is only way i know how to get around 5/24 other than amazon card. Might be a few outliers that got by it somehow but not the normal

Re: Data Points Suggesting Chase ignoring 5/24 for Sapphire Reserve

Varsity_Lu — Wed, 26 Nov 2025 17:54:26 GMT

@CreditCuriosity wrote:
No supporting information either unless have a green checkmark is only way i know how to get around 5/24 other than amazon card. Might be a few outliers that got by it somehow but not the normal

Green checkmark? What is this of which you speak?

Re: Data Points Suggesting Chase ignoring 5/24 for Sapphire Reserve

CreditCuriosity — Wed, 26 Nov 2025 18:25:37 GMT

@Varsity_Lu wrote:
@CreditCuriosity wrote:
No supporting information either unless have a green checkmark is only way i know how to get around 5/24 other than amazon card. Might be a few outliers that got by it somehow but not the normal
Green checkmark? What is this of which you speak?

An offer / pre-approval bypassing 5/24 in offers section or possibly in branch having a banker check if any pre-approved offers on your account at Chase branch.

Re: Data Points Suggesting Chase ignoring 5/24 for Sapphire Reserve

Varsity_Lu — Wed, 26 Nov 2025 19:12:54 GMT

@CreditCuriosity wrote:
@Varsity_Lu wrote:
@CreditCuriosity wrote:
No supporting information either unless have a green checkmark is only way i know how to get around 5/24 other than amazon card. Might be a few outliers that got by it somehow but not the normal
Green checkmark? What is this of which you speak?
An offer / pre-approval bypassing 5/24 in offers section or possibly in branch having a banker check if any pre-approved offers on your account at Chase branch.

Am I correct in assuming this is for Chase users on their app?

Re: Data Points Suggesting Chase ignoring 5/24 for Sapphire Reserve

CreditCuriosity — Wed, 26 Nov 2025 20:48:51 GMT

@Varsity_Lu wrote:
@CreditCuriosity wrote:
@Varsity_Lu wrote:
@CreditCuriosity wrote:
No supporting information either unless have a green checkmark is only way i know how to get around 5/24 other than amazon card. Might be a few outliers that got by it somehow but not the normal
Green checkmark? What is this of which you speak?
An offer / pre-approval bypassing 5/24 in offers section or possibly in branch having a banker check if any pre-approved offers on your account at Chase branch.
Am I correct in assuming this is for Chase users on their app?

APP or Website I don't personally use apps but assume all the same. Can do a search on forum and look at chase pre-approvals and find tons of posts of screen shots with green or black pre-approval check mark or already approved etc. Various versions of this

Re: Data Points Suggesting Chase ignoring 5/24 for Sapphire Reserve

Soundersfan1 — Wed, 26 Nov 2025 22:51:48 GMT

https://www.reddit.com/r/CreditCards/comments/1b77frh/approved_for_chase_sapphire_reserve_above_524/

Re: Data Points Suggesting Chase ignoring 5/24 for Sapphire Reserve

Stuart89 — Thu, 27 Nov 2025 00:15:22 GMT

5/24 has never really been an official thing anyway. Plus, most people should never approach that limit. But interesting to have more data on that for sure!

Re: Data Points Suggesting Chase ignoring 5/24 for Sapphire Reserve

Copenix — Fri, 28 Nov 2025 08:06:07 GMT

My own DP - I applied back in July when I was at 5/24 - denied. Applied in November when I was 4/24 - approved.

Re: Data Points Suggesting Chase ignoring 5/24 for Sapphire Reserve

zerofire — Sun, 30 Nov 2025 03:06:23 GMT

Chase is allowed to do anything it wants officially. Unofficially the 5/24 standard is both reasonable and what many Chase applications use. It is well known that some customers can get around this standard by having a pre-approval, applying in branch, or just streight up having so many assets that that they are a private client plus getting almost any product they want. If you have enough pull Chase will do anything you want.

Re: Data Points Suggesting Chase ignoring 5/24 for Sapphire Reserve

PointsBonus — Sun, 30 Nov 2025 04:47:06 GMT

This Data point is over 2 years old.

Re: Data Points Suggesting Chase ignoring 5/24 for Sapphire Reserve

vinathi — Mon, 01 Dec 2025 00:10:06 GMT

FYI.. both my spouse and I saw "You are pre-approved" green box. We are way more than 5/24. We have a joint Sapphire checking account. Both were denied saying we opened too many accounts.

Re: Data Points Suggesting Chase ignoring 5/24 for Sapphire Reserve

coldfusion — Mon, 01 Dec 2025 11:05:40 GMT

@vinathi wrote:
FYI.. both my spouse and I saw "You are pre-approved" green box. We are way more than 5/24. We have a joint Sapphire checking account. Both were denied saying we opened too many accounts.

Green box is not a guarantee - if it's a black box approval is almost certain unless there has been a recent relevant change in your credit profile.

There were a couple of windows of opportunity within the last 2-3 years lasting several weeks each time where Chase appeared to quietly loosen the reins a bit re: 5/24 eligibility for Sapphire cards but I mostly remember that being for the CSP, not the CSR.