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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
The Chase Sapphire Preferred® Card went through a major refresh in 2026 adding new bonus categories, travel protections, statement credits, and remains one of the best travel starter cards in the market. It earns Premium Ultimate Rewards that can be transferred into over a dozen partners many of which are US based including Hyatt, Southwest, United, IHG, and Marriott. Note that Hyatt is now a 4:3 transfer partner
Welcome Offer
Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
Earn
- 5x on all travel purchased through Chase Travel℠
- NEW ACCELERATED EARN CATEGORY: 3x points on gas and EV charging
- NEW ACCELERATED EARN CATEGORY: 3x points on vacation homes at top brands
- Cardmembers will earn 3x points on vacation homes at these top brands: Airbnb, Vrbo, Plu Guide, HomeAway, Homestay.com and Vacasa.
- 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)
- 2x on all other travel
- 1x on everyday purchases
- 5x points on Lyft rides Earn 5x total points on eligible Lyft rides including ride share, bike and scooter rides and subscription and membership products through September 30, 2027.
- 5x total points on Peloton equipment Earn 5x total points on eligible Peloton equipment and accessory purchases over $150 through December 31, 2027.
Benefits and Credits
- $100 Annual Chase Travel Hotel Credit via Chase Travel℠
- NEW: $120 Global Entry, TSA PreCheck or NEXUS fee credit Cardmembers will receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to the card.
- NEW: Complimentary Apple TV subscription for one year
- Points are transferrable to 14 Ultimate Rewards partners
- No foreign transaction fees
- Suite of Travel and Purchase Coverage
- Auto Rental Collision Damage Waiver is my favorite
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders
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® Card is great 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: Chase Ink Business Cash® , Chase Ink Business Unlimited® you can combine the points into the Sapphire Preferred account and transfer into hotel and airline partners
Annual fee remains quite low at $95 a year and if you use the $100 Annual Chase Travel Hotel Credit via Chase Travel℠ you’ll wipe out that annual fee every year. It has great bonus categories and other useful statement credits to enhance your travel.
One thing that is a bummer is Chase lowered the transfer ratio to World of Hyatt from 1:1 to 4:3.
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