Beginner’s Guide: Check your credit score with Credit Karma + 5/24 number

We may receive a commission when you use our links. Monkey Miles has partnered with CardRatings for our coverage of credit card products. Monkey Miles and CardRatings may receive a commission from card issuers. Monkey Miles is also a Senior Advisor to Bilt Rewards Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. As an Amazon Associate I earn from qualifying purchases.

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

New way to check your 5/24 with Credit Karma

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!

Affiliate link via CardRatings


The Chase Sapphire Preferred is a great starter card that earns Premium Ultimate Rewards that can be transferred into over a dozen partners many of which are US based. 

Welcome Offer

60k Points after $4k spend in 3 months

80k offer in branch currently – I think this should be online soon

Annual Fee


Points Earned

Transferrable Chase Ultimate Rewards

Super solid welcome offer.

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.

  • 3x on dining
    •  including eligible delivery services for takeout
  • 3x on select streaming services
  • 3x on online grocery purchases
    • (excluding Target, Walmart and wholesale clubs)
  • 5x on all travel purchased through Chase Ultimate Rewards – Chase Travel Portal
  • $50 Annual Credit on hotel stays purchased via Ultimate Rewards/Chase Travel
    • The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
  • 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 Portal and the slew of other benefits remain in tact including primary rental car insurance, purchase protections, etc.
  • Points are transferrable to 13 Ultimate Rewards partners
  • Redeem in the Chase Travel center for 1.25 cents per point
  • No foreign transaction fees
  • Suite of Travel and Purchase Coverage
    • Primary rental car coverage is my favorite

There is currently an 80k offer after $4k spend in 3 months available in branch, and up to 90k after $6k spend in 6 months. I suspect some version of this will be online soon if you don’t want the hassle of going into a branch.

We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.

Historically 60k is a very, very good offer. 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. 


Leave a Reply to Kiki Cancel reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.