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Check your credit score and 5/24 with Credit Karma
Like many, I use CreditKarma to keep an eye on my credit score, fraud, etc. But, I also use Creditkarma for a quick and free way to keep tabs on my 5/24 number ( Chase’s rule on applications). I thought I’d give a refresher so you can quickly and easily find your 5/24 number.
Log in and see your TransUnion or your Equifax scores
The Easiest: The Old Credit Karma Website
This is, by far, the easiest way to access your 5/24 number. After you’ve logged in to the current version of Credit Karma you’ll want to Go here to populate the old credit karma which allows you to organize both your old and new accounts by age. A big thanks for Frequent Miler for discovering a while back and CreditKarma for keeping it active.
You’ll see the site now look like this:
Click on “Open Date” which will organize it by ascending or descending dates. Here’s a look at my redacted info. You can see that my newest account was in October 2019 and my 5th oldest was August 2017. You can also see that my 5/24 is 2.
If that doesn’t work…go back to the new version and follow these steps.
Click on Equifax or TransUnion
You’ll want to go into these microsites rather than looking at accounts on the home page
You’ll see your credit factors – find credit age
Open accounts will populate. I had 2 under 24 months. But, remember, both open AND closed accounts affect your 5/24 status.
Click on “View All accounts” to see your closed accounts. You want to focus on closed accounts in the last 2 years – starting with the most recent.
The reason I start with the oldest card is because I never keep a card less than 1 year. So if I closed a card in July 2018, the odds are that I opened that card before July of 2017 are almost 100%. So the only closed card that would affect my 5/24 in April of 2020 would be the Barclay’s card closed in Oct of 2019. That could potentially run off in Oct of 2020 if I opened it in September of 2018. If you don’t hold cards for a year ( I’d change that habit ), but I’d do a thorough search of all your closed accounts in the past 2 years.
My closed card from Oct 2019.
After expanding it, I can see that the card was opened 8/21/17 – which means I don’t have any closed cards affecting my 5/24. If I did…just repeat the process until you hit the 24 month mark.
As you’ll notice…most business cards you have open do not show up on this list. BONUS!
Additionally, Chase business cards don’t count against your 5/24 number either. Neither do Amex, or Citi.
Hope this helps you stack up those points and put you here!
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Chase Sapphire Preferred® Card
Welcome Offer
$300 Chase Travel℠ Credit + Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
- $300 Chase Travel℠ Credit + Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- That’s worth $750 when redeemed through Chase Travel℠. Plus, get up to $300 in statement credits on Chase Travel℠ purchases within your first year
- 5x on all travel purchased through Chase Travel℠
- 3x on dining, including eligible delivery services for takeout & dining out
- 3x on select streaming services
- 3x on online grocery purchases
- (excluding Target, Walmart and wholesale clubs)
- $50 Annual Chase Travel Hotel Credit via Chase Travel℠
- The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
- 2x on all other travel
- 10% Anniversary Bonus
- Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
- Chase Sapphire Preferred continues to redeem at 1.25c in the Chase Travel℠ and the slew of other benefits remain in tact including Auto Rental Collision Damage Waiver ( primary ), purchase protections, etc.
- Points are transferrable to 14 Ultimate Rewards partners
- Redeem in Chase Travel℠ for 1.25 cents per point
- No foreign transaction fees
- Suite of Travel and Purchase Coverage
- Auto Rental Collision Damage Waiver is my favorite
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- $95 Annual Fee
We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.
Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
The Chase Sapphire Preferred® is exceptional starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.
If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex® and Chase Freedom Unlimited® or the business versions: Ink Business Cash® , Ink Business Unlimited® you can combine the points into Preferred account and transfer into hotel and airline partners
Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.
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