Posted by William Charles on September 20, 2017
Credit Cards

Published on September 20th, 2017 | by William Charles


Bypass Chase 5/24 Online With “Selected For You” Offers [Now Showing United Cards]

Update: It looks like United cards are now showing up under “Selected For You” offers. This is consistent with the fact that they also show up for in branch pre-approvals that also bypass 5/24. Hat tip to reader Wizmanison.

Today I read an interesting post on The Travel Sisters about seeing Chase offers ‘selected for you’. It seems that some people are seeing ‘selected for you’ offers in their account and these offers are bypassing the Chase 5/24 rule. To see if you have one of these offers. The offers are appearing in a banner on the left hand side of your screen, under your Ultimate Rewards balance on the Accounts page (this link might also work) (might also be under ‘explore products’).

Note, if you see a link that says ‘explore Chase credit cards’ and then displays all the cards and doesn’t say ‘selected for you’ with the green check mark then you don’t have any of these offers. It will also only show up if you see the new website design (and this won’t show if you have business cards).


Thanks to reader Rediff for image


These offers are different to the Chase pre-qualified offers (e.g it’s possible to have these selected for you offers and not pre-qualified offers). I’m wondering if these are the online equivalent to the Chase in branch pre-approvals? It seems only Chase branded cards will show up (e.g Chase Sapphire Reserve) and not co-branded cards (e.g Chase IHG).

Obviously this is relatively new, so if you find these offers in your account and apply please share your datapoints. Might also be interesting to know if you’ve been pre-approved in branch or not (or at least have/don’t have in branch offers).

Thanks again goes to The Travel Sisters for making me aware of this, their post has more pictures that might be useful to readers.

Data Points

  • Successfully bypassed: 1, 2, 3, 4, 5, 6
  • Declined due to 5/24 or other reasons: 1, 2

261 Responses to Bypass Chase 5/24 Online With “Selected For You” Offers [Now Showing United Cards]

  1. milesjjcc says:

    I think it might show up under your offers from Menu bar. Your Offers page have selected for you section. I have usual car payment offer shown there. I recently got CSR in branch so don’t think anything will show up there for next 6 months

    • Yup, I’m thinking these offers are tied to in branch offers and then they don’t show if you’ve been approved for Chase branded card in last 6 months. But somebody said they saw multiple offers online and they didn’t disappear after first application so want more datapoints!

      • Craig says:

        For what it’s worth, I was preapproved in branch (and approved for) FU in August, CSR in October, and currently see the banner for a CSP.

        During this time I also received the Marriott Biz. Will not be applying for CSP as that’s more aggressive than I want to be with Chase over a short period, so unfortunately I won’t be testing this out.

        Have Chase checking and business checking accts and 8 CC total with Chase.

      • David says:

        For what it’s worth, I had CSR in-branch last month (didn’t pull the trigger because I’m closing on an apartment next week), but don’t see the CSR on the web pre-approvals: only the FU. Will check back in branch after I close; if I am still pre-approved for CSR, that suggests the web offers are NOT tied to in-branch.

      • Brandon1317 says:

        Hey bud after I wrote on the other post about my experience. The slate offer for 13%interest went away. I don’t know weather it was because I froze my experian report and it automatically opted me out or because I got my csp account on there. I opted back in and unfroze my report but nothing has showed up. Had I known about this thread in would have commented here. Thanks for all the great advise you give will.

      • Ryan Newman says:

        A little late but… Heres a few data points opened 9 CC accounts in the last 2 years. I bank with chase Checking/Savings I also have the Slate for about 2 years. I went online about a week ago and saw the selected for you offers, Sapphire Preferred, Freedom, and Freedom unlimited popped up. They all the green check and APR’s, and terms included. I went for the Sapphire Preferred, they asked me too fill in income, and then apply. About 30 seconds later the status went to pending, I called the recon number, and they asked me to verify 2 things phone number, and last transaction on my Debit card, and bam instant approval for 5,000. I still have the selected offers for you for the Freedom, and Freedom Unlimited both with 150 bonus after 500 spend. current Experian score of 732 utilization at 0, like I said way for the 5/24.

      • Wilmer Diaz says:

        not true i got the CSR back in feburary and today 5/9 i was instantly approved for the CSP from “your offers/selected for you” and i’m at 5/12.

    • lenore says:

      i got a preapproved ink online but had just made a huge purchase hours before

  2. NinjaX says:

    this Chase offers ‘selected for you’ section has been around since the new website was launched.

    this is where CPC invitations and other offers show up. i even have a CSP offer here of 50k when I already have one. IMO nothing to see here and assume this was just a pre-qualified (NOT preapproved) offer from Chase but glad the sisters got it. good for them.

    i believe its YMMV although interesting hypothesis. i guess we just need more DP.

  3. Jon S says:

    Data points: I don’t have a current UR account, and no ad is displayed at all in that section of my account. Two of my coworkers with UR accounts (both over 5/24) did not have a ‘selected for you’ ad there (one had a different ad, one had no ad).

  4. Ryan says:

    I’m still seeing the old Chase interface…. anyone know of a way to force it to the new UI?

  5. DS says:

    My UR balance is on the right, so I’m not sure what is going on.

  6. Gary says:

    I saw the offer, Applied for CSP and application went pending, after few days it was rejected due to 5/24. so its not a bypass for 5/24

    • NinjaX says:

      yup. YMMV. i dont think it bypasses anything, but i guess some do. who knows. not consistent enough.

    • Sa says:

      Let me throw my theory here: their server did not decide on your application because of other data in your credit report or because of errors in the entries you made, and so it forced a human to look at it and he declined you.
      If that is the case, bad news since Chase will plug the hole soon. Or worse ……

  7. Ryan says:

    That section, for me, shows no “selected” offer, though that is understandable as I have absolutely abused Chase prior to the 5/24 rule (my wife and I got two CSR cards EACH within 6 months and we went through about 8 Southwest cards over 18 months).

    I’ve resigned myself to the fact that Hyatt, IGH, Ritz, etc. are going to have to be enough for me from now on.

    I’m not leaving literally 1000s of dollars on the table so I can get the CSR.

    • gman says:

      How did you pull off multiple CSR’s? Cancelled and re-opened? Was it in-branch pre-approval?

      • turnip says:

        I think he means “each within 6 months,” not “two CSR cards each.”

      • Dusty says:

        I’m 99% sure he meant CSP’s.

        • Ryan says:

          This is correct. From 2014-15, my wife and barreled through literally dozens of Chase cards as quickly as we could.

          I was sad when 5/24 got instituted, but Chase still has enough co-branded cards that I’m not too upset (e.g.- we can spend three nights per year in a Ritz, two nights per year in a Hyatt, 2-3 nights per year in IHG, two nights in a Fairmont suite and 50000 Avios PER YEAR between the two of us).

          Leaving that all on the table for 100k UR or maybe 50k SW points seems insane to me.

  8. arch says:

    I see FU, Slate, CSP, CSR, United MileagePlus® Explorer, The Hyatt card. Already have CSP and just PC’d Slate to Freedom so not sure if these are really targeted. Also see 2 business cards, Ink Business Preferred and INKCash

    • Interesting surprised to see co-brands there!

    • ChurningForDays says:

      Highly unlikely, although I’d love to be proven wrong. Chances are your looking at the main cards page, can you confirm whether or not the cards you listed specifically say ‘SELECTED FOR YOU’ with a green check mark?

    • arch says:

      Replying to my own post–clicking on Your Offers just takes me to the generic page to explore Chase Auto, Credit Cards, Mortgage. Therein lies the confusion as clicking on “explore credit cards” doesn’t mean anything special, instead, they should just say there are no CC offers.

    • phil says:

      My wife’s acct. shows the exact same cards. I don’t think these offers are legit if you’re over 5/24.

  9. Jeff H says:

    No in-branch preapprovals.
    No offers currently in my account, but did have BT offer in the spot you refer to last summer.

  10. Az F says:

    I see everything – the CSP, CSR, Slate, the freedoms as well as the Southwest, Ritz, IHG, and Hyatt + the business cards. Total of 22 cards. Of note, I got the CSR, CSP, and Hyatt in the past year.

  11. ChurningForDays says:

    No offers selected for me and I have also been unsuccessful with my 1 attempt at in-branch pre-approval. Very interested to see how this develops.

  12. Jonathan says:

    I did not see the banner on either of my accounts. If I go into “your offers” I see a link to “explore chase credit cards”. This is definitly not targetted though and is just a listing of chase credit cards (both branded and co-branded).

  13. PedroNY says:

    I have no pre-qualified offers in branch, checked last week. I have all of these cards show up. I actually have Hyatt and Freedom Unlimited, so I am a little suspect of these being approved.

    Chase Freedom UnlimitedSM credit card
    Chase Slate® credit card
    Chase Sapphire Preferred® credit card
    NEW! Chase Sapphire Reserve
    United MileagePlus® Explorer card
    The Hyatt Credit Card
    Ink Business PreferredSM credit card
    Ink Cash® business credit card

    I hope I am wrong! I’d love to hear from others.



    • Jonathan says:

      Did you click “explore chase credit cards”? If so, those are not the same as “selected for you” offers.

    • PedroNY says:

      Nevermind, it was the next box over, not the “selected for you” box.

      Carry on,


    • Terri Clark says:

      I get these same ones when I clicked on explore offers and it’s saying “Your offers”. But I already have two of these. Afraid to bite, but sure is tempting. Will wait for more datapoints.

  14. Quinn B says:

    Anyone know how to get the new UI to load? I can’t figure out how to get away from the classic site… and I tried the links above – I have both personal and business, 7 total.

  15. Vincent Ong says:

    I’m over 5/24. My selected for you box only has a car loan offer.

  16. Abey says:

    I cant find any offers
    I tried old site and new site
    From the app and from desktop

  17. Mark O says:

    Nothing for my wife. I still have the old version of the website so not sure how to check for it or if it is even offered on the old style.

  18. gman says:

    Here is what i see… im guessing this means no offers?

  19. J.L. says:

    Slightly different, if Chase Private Client upgrade is shown with a green check mark on the click through page, does that mean I’m eligible to upgrade the account? Even if balance is not met?

  20. Mark says:

    I have the Freedom, Freedom Unlimited, and the CSP there but at this stage I don’t want to test the waters as the only card of the three I want badly is the CSP and I’m holding out for the improved in-branch offer (if I ever get in-branch pre-approval).

  21. Adam says:

    sucks that Chase’s IT is so horrible. still stuck on the old platform due to having biz cards along w personal. not even my CPC stuff shows up properly right now. doesnt make sense why chase would do this shit piecemeal. if you’re gonna roll it out, roll it out to all customers.

    honestly, how many of the folks (I see some heavy hitters like PedroNY etc above) who can see the new site yet DONT have any biz cards or accts linked? I find it hard to believe, but maybe they’ve closed em out.

    • Tom says:

      To be completely honest, the new site is a piece of $h!t and I was extremely relieved when I was “downgraded” back to the old version of the site after getting approved for a business card. Figures, now that I finally got the old/better version of the site back, now I’m finally regretting it. Seriously though, the new version of the site is so awful. It’s like Microsoft, where they try to design one UI that works on phones/tablets/laptops… might look nice on a tablet, but it kills the functionality and efficiency of using it on a laptop…

      • Adam says:

        interesting take. obv I havent gotten a taste of the new site so I dunno how it would affect me day to day. but I’d give up (some) convenience in order to have access to real pre-approvals & a way to bypass 5/24 online – just to get approved for new chase cards – it’s been so long.

  22. Rene says:

    I am currently at 6/24 and applied for the CSR in Branch. I wasn’t Pre-approved but thought I give it a try: my application was declined right away due to 5/24.

    The very next day, I did see the Ad you posted in the article above. However, it doesn’t seem to be in any way filtered: it offered me cards that I currently hold (Freedom and CSP). It seems to be just a link to the general Credit Cards Chase offers.

    I didn’t actually apply because I just got rejected and at this time I have no reason to believe that the approvals are any different from (random?) post-5/24 approvals that happened all the time.

  23. JR says:

    Like scavengers searching for gold. LOL

  24. Danny says:

    I saw this yesterday and it selected I was selected for all three cards. I went ahead and clicked through for the CSP and got the 7-10 day message.

  25. adam says:

    I have FU Slate Sapphire with green check mark and Ink preferred without green check mark. 7/24. I applied for Ink and got a msg they need more time to process my app. Will see what happens.

  26. ChadMC says:

    I had an ‘offer’ from Chase on my portal for a Sapphire Preferred, after applying for and getting approved for the Marriott Rewards Visa. Instead of going for the Sapphire Preferred, I did not follow that link and went into separately to apply for the Reserve and got approved instantly. As it was on the same day I had just one credit inquiry which was why I did right then and there.

  27. Mimi says:

    I’m at 20/24, was rejected for CSP in August, reason was too many accounts opened in the last two years. I saw several pre selected cards for me with a green check on my account. I clicked view offer for CSP to verify, I’m pre approved and the bonus offer. It just asked for my current HHI and submit. Instant approval. I have one business card with Chase. The last 4 digits of the card was instantly added on my list of cards, I called to request expedited shipping so I’ll get it in 1 to 2 business days.

    DH’s account does not have pre selected cards on his personal accounts, he is at 17/24, with no business cards.

  28. Michael says:

    DP: “Selected” for the CSP, FU, Slate, and an auto loan refinance. I’m at 21/24. Instant approval for CSP and FU.

    Also posted on reddit:

  29. Ken says:

    I had 3 in-branch offers last time I went in and I have 0 offers in my online account. So at least for me they are not tied to the in-branch offers.

  30. Dusty says:

    Not a very interesting (or surprising) DP, but I don’t have any ‘Selected for you’ offers. At 4/24, with one Chase Card per month from Sept-Nov, and another Chase card in March of this year as well.

  31. blue9 says:

    All I got was a $200 Saving account offer. I am way over 5/24 but only hold the Freedom, IHG, and Ink+.

  32. Andy says:

    Selected for you shows checking and savings account offer only. Do you guys have checking or savings relationships with Chase to get credit card offers?

  33. Chuck says:

    I had tried applying before but was rejected because of 5/24 rule. There are no Chase branches anywhere in my area, so I was going to apply in branch when I visited my son and his family in Boston. But I just tried this way and it worked like a charm. Thanks. This is exactly why I faithfully read DAD CC Cards.

  34. Sa says:

    Thank you to DoC and all who have reported DPs. Could you add what kind of spend do you put on your Chase relationship? That may be one triger for the selected for you offers. I barely use my freedom once a month and am seeing some offers. Never tried getting CSP because of 5/24.

    So the question is, do the heavy hitters see any selected for you offers? Thank you

  35. Alex says:

    This actually works pretty smooth. Me and my wife are way over 5/24 but we decided to try this approach after some Chase rejections, all good and both got instant approval for freedom unlimited.

  36. James says:

    So how do you see the offers on the old site? I can’t access the new site since I have an Ink card.

    • Don’t think you can unfortunately.

      • Tom says:

        Ok this is weird…. I have a personal and business cards with chase, 2 separate logins, and both were using the “old” site as of this morning check I checked (my personal login was downgraded back to the old site when I recently signed up for my business card)… however, I just logged in via my personal login TONIGHT, and now it’s randomly converted to the “new” site (the business login is still on the old site, of course)… No idea why this happened, but I’m certainly not complaining! No pre-approvals though 🙁

  37. Matt P says:

    I don’t have these in my offers although I have a green check, but I think that’s because Chase hates me. I check every month in branch and never have offers either.

    My wife had no green check, just an explore Chase cards for you. She did have a pre-approval for CSR last month, so that may be why she doesn’t have anything now.

  38. joe says:

    My wife has a green check… it offers her the CSP at 50K points. No green check for me. I was lucky enough to get the CSR in branch, but she had 0 pre-approvals in branch. Rather than apply now for the 50K CSP, I’d rather she check back in Mar for the CSR pre-approval.

    I’m at ~10/24 (not including biz cards) and my wife is at 12/24.

  39. Ben says:

    No luck of pre-qualified cards here. Only see “Explore Chase cards”. Checked pre-qualified offer on Sep 1, and Nov 14 at branch, and nothing. Last time, I got a Chase card was March, Hyatt card. Got CSP and Freedom more than 4 years ago. :'(

  40. Greg says:

    I am at 16/24. I wasn’t able to get the CSR when it came out because I got 8 MLB BOA cards this summer, haha. I have the downgraded Chase Sapphire and a Chase Freedom. I tried to apply for the CSR online through the offers section, but it said that they needed to review it further and that they would let me know in 7-10 business days.

  41. Lauren says:

    I was at 4/24 right around thanksgiving. 3 new cards and 1 authorized user account. I planned to apply for the southwest cards to get the companion pass. I figured I would have to call recon for the second card to try to get them to disregard the AU account. When the platinum link leaked that Wednesday I quickly applied, and then realized I would have to jump on the CP before the card reported to my credit reports. I pulled up both southwest card 50k points applications. Got approved immediately for the premier, and quickly submitted for the plus and got automatically approved as well! Even not counting the Amex card this is still technically 6/24 for me if you count the AU!

  42. Austin says:

    So basically if you have a business card, your stuck with the old chase site and therefore cannot see these new offers?

  43. Roman S says:

    Recently when was applying for chase business card my banker checked if I was pre approved for any personal cards – answer was no.
    Today checked my offers page like shown here and could not see any offers.
    Guessing it should work if you see it for yourself.

  44. adam says:

    The key is green check mark. I had offers with green check mark for Sapphire and sometimes ink proffered pops out in the same place without green check mark i applied for ink and was declined.

  45. Bill says:

    My only offer was for CPC. LOL:

  46. Carlos Castillo says:

    I was declined due to 5/24.

    • Did you have the green check mark?

      • Humberto Rodriguez says:

        😬, I don’t know about the green check. It was about 2 weeks ago. I logged in on the desktop. I saw “special offer just for you.” It was for the Chase sapphire. The letter stated the reason for no approval was that I am not elegible for the offer.

        • Humberto de Richmond says:

          This summer I saw the green check on the CSP. I was approved instantly. I receineved the bonus. Now I am preapproved for united with 40K points. I am not sure if should take the offer. 40k sounds like few points. Or maybe they can match it to a higher offer after I’m approved.

  47. Darv says:

    No offers for myself or wife. Called into branch, banker said no preapprovals for me.

  48. Ellie Arroway says:

    I’m seeing these offers in the Android app too. Tap the icon in the top left to open the slide out menu and choose the “Your Offers” item.

  49. Jason says:

    So painful, knowing that I won’t be able to get any chase card within 2 years and seeing other people getting so many pre-approved offer.

  50. NoonRadar says:

    Anyone over 5/24 has gotten a targeted email offer from Chase about a personal or business card? If so and applied, did you get approved?

    I believe targeted offers would have a fixed APR. Also a reference number at the bottom of the email.

    • Chuck says:

      I came here wondering the same question… I have literally no UR cards, but they keep sending me FU emails (no pun intended). Haven’t pulled the trigger yet, since datapoints indicate no success. But I keep wondering… I’m at ~27/24 but 4/12, so you see where I’m at. Would love to be saving up UR points for some day when I’ll be able to get CSP or CSR.

  51. Taryn says:

    Did the folks who got denied due to 5/24 see a fixed apr under the offers section?

  52. 65bits says:

    **Approval Data Point:**

    Mostly confirms doc’s data points to the letter.

    * Currently 6/24. Latest Chase Card one of them (Almost 2 years ago)
    * Online showed Freedom Unlimited, CSP and Slate.
    * Went in branch and rep clearly showed me the green ‘pre-approval’ for those cards… and the CSR.
    * Rep showed on computer a percentage + prime. Final paper to sign showed exact APR percentage.
    * **Approved!**
    * NY – Transunion hard inquiry showed up on Credit Karma right away.
    * Sure enough, other pre-approvals disappeared.
    * Came home, the online still shows the FU CSP and Slate.
    * Applied for FU and **instant approval**.

    760-790 Credit Score.

    Note: In branch on the card type sheets, the bankers have the United cards listed alongside their own. If you haven’t seen any co-branded besides United, could be they have teamed up with united specifically.

  53. Mikey says:


  54. JLM says:

    Well over 5/24 and was just approved for Chase Freedom!

  55. ED says:

    I was pre-approved in branch for a chase sapphire reserve. I also clearly violate the 5/24 rule. Around February 2016 chase marketed a business checking account to me with $500 cash bonus after minor hoop jumping. I also wanted to slowly build up and separate $7k from my other funds for use in September, and used this account. When Sapphire reserve came out, I went to a different chase branch (in a less affluent neighborhood) and asked if I had any pre-approved card offers? The banker asked if there was a particular card I was interested in? I answered,”Sapphire reserve.” She checked and I was pre-approved for the card! She also indicated her excitement (commission?) since this was her first approved application (34K credit limit) I turned that credit limit way down. Have since closed the business checking, there was a monthly fee and a requirement to keep it open for six months. Other relevant data: I maintain: an ink plus card 3+ years and actively use it, freedom card 4+ years and six figure UR points balance, denied for SW card prior to having $7k in checking.
    I think I’ll keep the Reserve and might dump the Ink plus, then consider applying for that new Ink a few months later.

  56. Tyler says:

    Since March 2016 I have opened the AmEx Everyday, Premier Rewards Gold Card, Chase SP, CSR, Southwest Plus and Premier as well as the Ink Business Preferred cards. I had opened 5 new cards this year when I applied for the Southwest Premier and Ink Preferred. Also the day I opened those cards I had also just opened the Southwest Plus that same month. I LOVE CHASE haha.

  57. John M says:

    Anyone know if the 5/24 goes down to the day? Or is it by the month?
    I applied and was accepted for a card on 12/8/14 – including that card, I’m at 5/24. Technically, to the day, I’m at 4/24 now, since it’s past 12/8. If apply for a Chase card (not through my pre-selected offers, the card I want isn’t on there for me), do I have to wait til January to go down to 4/24? Or will Chase view me as already at 4/24?

  58. Raghu says:

    Applied for CSR, beyond 5/24. Got “need to process your application little longer 5-7 day” message. Should i call recon or wait it out ? Any suggestions please?

  59. James says:

    My brother had a Freedom Unlimited selected-for-you offer. Only asked for income and he was instantly approved. He is way over 5/24.

  60. Marie says:

    I am over 5/24 (IHG, Sapphire Reserve, Ink Bus Cash, 2 personal AMEXs, amongst others) yet approved for Chase Unlimited Freedom (now 8/24). Low limit initially, however was able to reallocate CLs easily on Recon number you provided. Thanks so much!

  61. grey says:

    Didn’t work for me. Got the below response.

    “We are unable to locate any offers for you at this time.

    This may be because you have opted out of “pre-screened” offers from Chase and other companies or you have recently responded to another offer from Chase.
    However we may still have products to meet your needs. Please continue to”

    I did recently go online and opt out of some marketing stuff with affiliates, non-affiliates, and asked to stop receiving balance transfer checks in the mail.

  62. Aram says:

    Some DPs
    On personal I have the new interface but no personal UR account and no worthy CC offers, just savings acct offer
    On business long on I’m like many others are on the old interface (have Ink+ UR among the others).
    As I found out in branch (my nice banker phoned the appropriate dept and letting me ask them questions)
    1. They rolling out the new interface state by state and there is no way to push it or see if you have the offer and they didn’t tell me the roll-out date for my (NY) state
    2. If I merge the personal and business accounts, business (old) interface will take over so obviously I didn’t do it.

  63. DSP says:

    I just submitted a DP in your reddit thread, Doc. user /r/dragonflyseksparade. Long story short, pre-approved in branch but did not have any offers online.

  64. dave says:

    My dad has a green check mark with “upgrade to CPC”. His total funds are around $110K in his Chase accounts. Any DP on whether this is automatic then? If so, what’s the point if it doesn’t bypass 5/24?

  65. lingua says:

    Any benefit to applying in branch for the Chase Sapphire cards if still under 5/24? I haven’t heard of any better offers being given in-branch (like the CFreedom or CFU) and was wondering if it would help any with avoiding future 5/24 issues.

  66. Tan T says:

    I am way over 5/24 (it’s about 10). Logged in when I first read this post but didn’t have any offer. Yesterday, logged in again and saw “Selected for you” Chase Slate and Chase Freedom Unlimited. Bit the CFU offer, got “need to review it further”. I called recon line this morning and got approved.

    Still disappointed for about to miss CSR 100K points though 🙁

  67. Dizzy says:

    Holy schnikes, I have 22 offers! Brand new to chase (I just got Chase unlimited freedom since I stupidly app’d the wrong one…I guess NBD since I’m only using it for the sign-up bonus which is the same).

    Some of the offers are worse than best public offers tho 🙁

    I’m right at 5/24 now though 2 will drop off 3/1/17 (they were started 2/29/15). Not sure which one to app…would love to hold out for CSR but I may not have any free time in the US until the end of April, which would be too late for in-branch.

  68. Gadget says:

    DOC, this works exactly as described, as I am over 5/24; at least 7/24. Chase login showed 2 offers – Slate and CSP – with green checkmarks. (Had existing Freedom since 2010, FU & checking account since 2016)

    Applied for CSP online: State – VA, 750-775 FICO. Next screen showed “pending”, app submitted, but required more information, and to wait for up to 30 days for decision via mail.

    Almost instant e-mails from CreditKarma (TU) and FreeCreditScore (EX) confirmed hard pull inquiries from Transunion & Experian. No hit on EQ.

    Called recon line from DOC article – approved within 2 mins of hold time, for $7800 CL, 1-2 weeks ETA for welcome package & card. Asked recon for card to be expedited due to upcoming travel. Had to be transferred to CSR, and now card will arrive via UPS in 2-3 business days. New acct shows up online already, and Slate still available as pre-approved green checked. Thanks again DOC!

  69. JASON says:

    Entered 60k as income for Dad’s application on Sapphire (selected for you offer), instantly approved for 9K CL. Right after that, going back to account and seeing the new offer banner: Unlimited freedom, Sapphire (again) and Slate. Clicked on the first two again but it says it is reviewing the two new applications. Therefore, I guess you cannot submit more than one application and get instantly approved in a short time (say 1 day).

    Logged out, logged back in and seeing the card last 4 number added.

    Before getting approval, 710 on Experian, 6 inquiries in 2 years, 3 CC + 1 store card issued by Citi. So the Sapphire is the 5th card.

    • JASON says:

      pulls TU right away. We’re in NY.

    • JASON says:

      Hello DOC,

      I think this is crazy. So this morning around 7:00am EST I wrote above comment that I got my Dad approved for the Sapphire card under selected for you offer. Back home from dinner tonight, it’s now 11:00pm EST same day 1/21 Saturday while I’m writing this post because I just helped my Dad got the Unlimited Freedom approved under the selected offer to you. So far, my dad has had 3 CC with Chase. 1st one is Freedom from last year, and the 2nd and 3rd card today. Pretty much the selected offer to you sounds to me that they know you will be approved for sure??? Is that a glitch in their system or something?

      After getting all the sign up bonus, I’ll definitely PC the two cards to the freedom so that my dad will have a total of 3 freedom cards. You know why though? the 2nd quarter 5% has drugstore, oh yes~

  70. Nate says:

    DP: My “Selected For You” offers disappeared after several new accounts reported on my credit report (recent AoR with Merrill+ and a couple other BoA cards). Should have went for the CSP offer while I had the chance. I think Chase does a soft pull every month or so to see if you are still qualified for the offers. If anyone plans on doing an app-o-rama, make sure you also apply for the Chase offer(s) before they disappear.

  71. Matt says:

    DP: My wife applied for CSP today after seeing she had the offer in her “Your Offers” section with the green check mark. Initially went to pending (30 days message), and when she called recon a few hours later, they said she was already approved. Double pull, TU and EX (we live in NYC). 745 EX, 775TU. Perhaps most importantly, she was 7/24 prior to applying and has no banking (checking/savings) relationship with Chase. She only had a Freedom card with them.

    Thanks for this info DoC, hope this helps someone.

  72. Janet says:

    Applied for CSP today with the “selected for you offer”. Only had the Chase Freedom. Waaaayy over 5/24. Only had to put in income for application. Instant approval!!

  73. Jags4186 says:

    Logged in to pay wife’s Chase Freedom today and saw she had “selected for you” on Freedom Unlimited and Sapphire Preferred. Applied for Sapphire Preferred instant approved. 10/24.

  74. Jags4186 says:

    Anyone figure out how to get to the “offers for you” screen if you have the old UI yet?

    I can tell you that I did somehow trick it to getting me into the new UI with business and consumer cards but when I clicked on the “offers for you” I received an error message, was booted out, and when I logged back in I was in the old UI again. Haven’t been able to replicate.

  75. Landocpa says:

    Just another DP for Doc/others: Had “Selected For You” offers with the green check mark when logging in today for CFU, CF, and CSP (received bonus on CSP <24 months ago so left alone). Way over 5/24 Applied for the CFU and was instantly approved. CF disappeared after applying for CFU for a couple hours but it returned later and I applied for it as well and was instantly approved.

    Also worth noting (maybe just a coincidence) that it was exactly one year to the day since my last Chase app when I received these offers.

    • NoonRadar says:

      Are there links to click and apply from within the offers page? Does one have to necessarily apply from within that page to get the pre-approval for said card?

      Thanks for your DP.

      • Landocpa says:

        Yeah there’s a link that takes you straight to an abbreviated application where you only need to enter your income and submit. You have to go through that specific link.

  76. Tom says:

    Do you know if there have been any data points as to whether many people have been successfully pre-approved IN BRANCH, but also specifically checked and did NOT have any online pre-approvals prior to visiting the branch (in reference to the new green check marks online, not the pre-qualification checker)?

    I’ve been checking for online pre-approvals daily for months now and haven’t had any luck, despite not having any new Chase cards in the past 6 months and also having deposited 15k in a Chase savings account… trying to decide if it’s worth the hassle to travel to a branch even without any indication of online pre-approvals. I know many people traveled to the branches recently specifically for the CSR, since there are no online CSR pre-approvals, but what about just any pre-approvals in general? Has anyone gotten pre-aprovals in branch WITHOUT having also gotten them online recently?

    • I’m honestly not sure, I think they are different but not 100% sure.

      • Tom says:

        Here is another hopefully useful datapoint to support your existing theories:

        I had initially went to a Chase branch back in January to check for pre-approvals, but unfortunately I did not have any at the time. I had 3 existing chase personal credit cards (most recent one was over a year old) and one Chase business card that was about 4 months old. I was about 20/24 at the time. I went to the branch and opened a Chase checking account, hoping that it might help my chances, and asked the banker to check for pre-approvals at the end of the process, but there were none. I was sad.

        Despite checking online religiously every single day for any pre-approved offers ever since the new feature was introduced, I never once had one. I became determined to do everything possible to increase my chances of obtaining a pre-approval (either in branch or online). This is part of the genius of Chase’s 5/24 rule…

        – I switched over my main payroll direct deposit to my new Chase Checking account.
        – Shortly thereafter I opened a Chase Savings account and funded it with $15k, as I’ve heard some people suggest that this might increase your chances of pre-approvals.
        – I continue to wait longer to ensure that there were at least 6 months from my latest Chase card approval (the Marriott business card).

        Today, I decided to head back to the same branch and try my luck again. Thankfully, it looks like all of my obsessive compulsive tendencies and determination has finally paid off! Unfortunately the banker said that they still aren’t able to see pre-approvals for the CSR at his branch (although some people have said if you are pre-approved for all the other cards, you are almost certainly pre-approved for the CSR as well, I didn’t want to take my chances). I was approved for the CFU (with the 30,000 point offer), the MPE, and the CSP (and probably the Slate and stuff too, but I was impatient and didn’t feel like waiting for him to list every single card). I went ahead with the CSP application (fixed APR as well, btw) and was approved instantly. I wanted the CSR, but no big deal, the bonus is 50,000 for both right now and I’m pretty sure that I can just request a product change in a few months… if they make me wait a year before product changing, so be it.

        – No online pre-approvals beforehand 🙁
        – Way over 5/24 (23/24, to be exact)
        – Just over 6 months since latest Chase card (Marriott business)
        – Income >100,000
        – Chase Checking w/ Direct Deposit
        – Chase Savings with 15k for ~3 months
        – Pre-approved in branch for CSP 50k 🙂

        So basically, the main difference between my first in-branch attempt (unsuccessful) and today’s attempt (successful) was the fact that I waited additional time so that there was 6 months since my latest Chase card (I didn’t think the business cards would count towards this, but it seems they do) and I deposited $15k into a Chase Savings account for about 3 months. Also, I had previously opted out to pre-screened offers many years ago and had just recently opted back in shortly after the CSR came out, this may have also been a factor depending on how long this takes to propagate into Chase’s systems. I had pretty much given up hope on any more Chase cards, but apparently if you follow these 2 or 3 steps, it really does help! Good luck to everyone!

    • Ken says:

      Yes. I was pre-approved in branch and was approved for a CSP and I’m way over 5/24. I did not have any offers at all online. All I had were offers for car loans and something else that wasn’t related to any credit cards.

  77. Mo says:

    Just wanted to add a DP – I’m at 8/24 and just got approved for a CSP via this method – even though the screen looked a bit different than the screenshots above (there was no green checkmark, but it did say “selected for you”)

  78. Brandon says:

    Will data point for you. It’s been 6 months and the selected for you offers are back from when I got my csp at 9/24 now.

  79. James says:

    Just logged into Chase today and got a ‘selected for you’ offer for CSP. I applied and was approved for CSR and CFU in branch back in October. I have been approved for 9 more cards since then (counting 2 in last 30 days) so I should be at 11/24. Does this offer mean I won’t be declined if I apply for CSP? Credit score still in 790-820 range with low utilization (2-4%). Do I risk a hard pull and take a chance?

    • Selected for you isn’t guaranteed approval, but 5/24 won’t be applied to you (standard criteria apply and I imagine it’s some form of pre-approval so higher likelihood of being approved).

      • James says:

        Pulled the trigger tonight on CSP. Entered my income and instantly approved after 5 seconds. Thought I missed my shot at this card when I went over 5/24. I’m now at 12 cards in 7 months. Thanks to this blog and the churning community for the invaluable information and help.

  80. Kelly says:

    Went in branch to see pre-approvals and was not pre-approved for CSP. Banker thought it was due to me recently being added as an AU on my husband’s CSP. Next day, decided to check online and had the ‘selected for you’ CSP. Took the leap knowing I didn’t have an in branch pre-approval and it worked! Thank you!

  81. path says:

    Both my wife and I recently got a CHASE UNITED offer in our email.
    No where do I see the 5/24 rule posted in the offer (You will not be approved for this card if you have opened 5 or more bank cards in the past 24 monthsO.
    Does this mean this offer excludes us from the 5/24 restriction?

    In the email it says :
    Special offer — 50,000 bonus miles Earn miles on all purchases. Apply by 5/31.

    When I select the LEARN MORE link it takes me to a application page. The only restriction say :
    This product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.

    From the application page – when I select the OFFER DETAILS link – and I see the same restriction :
    This product is not available to either (i) current Cardmembers of this credit card,
    or (ii) previous Cardmembers of this credit card who received a new Cardmember bonus for this credit card within the last 24 months.

    • Chuck says:

      Nope, email offers won’t help you. You’ll be denied for 5/24.

    • Ken says:

      5/24 is an unspoken rule with Chase. Amex, Citi, and others do post these restrictions. So if they don’t have the restriction you’re good to go.

    • Chuck says:

      Disagreeing with TheRealChuck is a losing proposition, I concede. But I’d still love to see more dps on this question. The fact that people are seeing YMMV results from these offers in the chase login makes me wonder how YMMV will be the results from these emails.

  82. DT says:

    Hey all,

    Just want to share my experience. I received the CSP “Selected for you” offer maybe a week after one of my cards fell off the 5/24. I went to chase credit journey to see if it was reflected on my report and it wasn’t, my report still showed 5 new accounts in last 2 years. I was nervous, but still went for it anyway figuring i’ll be able to call to change the decision in case i was denied. the offer asked for my income level and that was it. after submitted it said ill be notified within 30 days of the decision. I applied on a thursday night, i then called the two numbers to check application status. If you get a 2 week or 30 day automated msg you chances of approval are high, if you get a 7-10 day message you’re most likely going to be denied. i received a 2 week msg. I checked my chase account saturday morning and i had a new card on my account with an 30k limit. My score is in the 770-790’s, 0% card utilization, 0 derog marks,100% payment his, 1 hard inq, only negative at the time of app was my average credit age was in the 4 year range. Hope this helps someone.

    • Gracie says:

      Hi DT,
      I’m in the same boat as you but I’m wayy over the 5/24 limit. How’d you know if a 2 week or 30 day automated message gives you a better chance of approval? I just applied and called the status application line and I’m receiving a 30 day notification period…

      • DT says:

        Hi Gracie,

        I did some digging and found a forum (myficoscore) where the users posted the numbers to call to check your status. They stated that majority of the users who got 7-10 day message got denied at a high rate and the ones who got 2week or 30 day had better odds of getting approved.

        Chase personal cards: 800-436-7927

        The menu sequence for the personal and business card numbers is 1, 3, 1, after which you’ll be asked to enter your Social Security number. Once authenticated, an automated message will tell you the status of your credit card application.


        • Gracie says:

          Thanks! I called the reconsideration line today (day after applying) and all they asked me to do was to verify an identification code they texted me and I was instantly approved!!

  83. Jazz says:

    Got approved for CSP even though I m over 5/24. Only thing it asked me was income.

  84. Alex says:

    Approved for Chase Freedom. I’m at 10/24, and last August I got a CSP for the bonus, and only had one $5 monthly charge on it since then.

    • Alex says:

      ^Approved via the Selected For You offers listed in my account. And as a side note, when I went to the general Chase page to search for pre-qualified offers, I never got anything suggested.

  85. Ethan Steinberg says:

    I’m still stuck on the old website layout and can’t find the standard cc offers page, let alone any ‘selected for you’ offers. I don’t have any business ccs, just CSP, freedom/FU and IHG, and a business checking account all linked under one log in. Any advice on how to bump the system to the new layout would be appreciated

    • macbravery says:

      The key is the business account! if you have a business account linked to your account login you will see the old website interface.

      To bypass that, create a new login with all of your accounts except the business account, you will get the new UI.

      I have two separate login accounts, one with all of my accounts including the business account and one with all my account EXCLUDING the business account.

      For the login where it includes the business account I get the old UI and for the login that doesn’t include the business account I get the new UI. In this way I am getting the best of both worlds!

  86. Russell says:

    I’m at 6/24.
    Applied for the Sapphire Preferred under “Offers For You” and was instantly approved.

  87. Chris says:

    What are the odds of getting approved for the CSP as it shows on the “offers for you” tab but I am already a current cardmember.

  88. Michelle says:

    I applied for the Chase Ink Preferred via the selected for you offer on the chase website and was denied for having exactly “5/24”. My application wasn’t instantly approved so maybe it works as long as it doesn’t get to a real person. Obviously I need to figure out how to get my next application instantly approved.

  89. Lydia says:

    Thank you for the instructions! I looked for the “Selected for you” offer + green check mark for the CSP, and then got instantly approved online. I was already at 5/24 and “should have had” to wait one or two more month (now I wished I tried applying earlier ;)). Asking for expedited shipping worked, too.

  90. BDawg says:

    Just logged into my Chase account and the United Explorer card is now showing up under my selected for you offers. Interesting to see a co-branded card there!

  91. Chris says:

    If I apply for one of those “selected for you” cards, will they run a hard credit check to my report?

  92. Bob says:

    I have the united explorer offer with 40K miles, my last application with my CSP was in may and CSR was in Feb. I opened british airways last week. Im 7/24.

  93. Susan says:

    I put a fraud alert on my credit reports since I am part of the Equifax breach and am at 5 new accounts in 24 months. Do you think the “selected for you” offers will still work since a real person will need to talk to me first before opening a new account?

    • Lrdx says:

      Fraud alert doesn’t affect these. It is just a flag to creditors that they have to contact you directly when issuing credit to verify it was you. It’s not even mandatory…

      Credit freeze is another animal. You won’t get preapproved offers, and you can’t apply to any credit, only with a PIN or temporary lift.

  94. Susan says:

    Thanks for the info!

  95. Paul says:

    This is great news! I’ve been looking forward to getting a United card. Hopefully they’ll add pre approvals for the business version also.

  96. Kohjo says:

    The people that get these offers to show – – –

    I’d like to know if they listed their INCOME. I don’t know if this is a data point or not. I always leave mine blank and I never seem to get these offers.

  97. Justin says:

    My account still has the old Chase layout. My personal and business logins are combined and my login is linked primarily to my business as that was my first Chase account.

    Is there a downside to getting the new layout, and if no, how can I go about doing that?

  98. Eduard says:

    I got the targeted 60,000 point offer in the mail. I do not see it in “my offers”. Does anyone know of the targeted mailer gets around the 5/24 rule?


  99. Jon says:

    It says Application Unavailable due to a system issue

  100. Jon says:

    This product is available to you if you do not have any Sapphire card and have not received a new cardmember bonus for any Sapphire card in the past 24 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products.

    The application page for CSP says any Sapphire card. Does that include the Sapphire Reserve? That would treat it like Citi’s family rule. Any DP on this?

  101. HardTacoKit says:

    I’m way over 5/24. I saw that I had United Mileage Plus “selected for you”.

    So I applied online and and it went to a 30 day pend.

    Then I remembered that I had Transunion on credit freeze (i’m not even sure if Chase uses TransUnion)…

    So I unfroze Transunion and called the Chase recon number and told them that I just unfroze my credit and asked them to review.

    After a couple minutes they came back and said i’m approved! I’m really surprised.

    Thanks DoC!

  102. SamSimon says:

    As I understand they change the rules? Before “Selected For You” Offers never worked for me, in order to bypass 5/24 I always stopped by to my local branch and got the new cards with no issues. so now it’s easier to get this applications to bypass 5/24 and getting approve?

  103. Mj says:

    Local branch can bring up the 95 & 450 united cards. That’s how my partner got their club card.

  104. Fred says:

    Anyone know how to get targeted by the “selected for you” card offers (any card)? I did see a mention above of adding your income data on the website (I went ahead and did so, but can’t recall if I had done that before or not).

  105. Charlie says:

    Some states have local Chase bank branches. Other states do not. These posts imply a strong linkage between in-branch offers and “selected for you” offers. Has anybody who lives in a state without Chase branches received the “selected for you” offers?

  106. Kathy says:

    I am pre-approved for Chase United for 40,000. I am also targeted for Chase United for 60,000. I am over 5/24. Can I apply through the link from the targeted offer website and get approval?

  107. sdsearch says:

    But you can only get the PUBLIC offer this way, right? So if the public offer is for 40,000 miles, and only United when you’re logged into United (or United in the mail) is offering you 60,000 (similar to how United offered some people 70,000 back when the public offer was 50,000), you can’t get the TARGETED BIGGER United offer this way, right? (Nor can you get TARGETED BIGGER United offers by walking into a Chase branch, right?)

    So if you want the TARGETED BIGGER United offers to work, it seems there’s NO ALTERNATIVE besides getting below 5/24 (which CAN be done while churning IF the ONLY cards you apply for are business cards, and none from Cap One, because most non-Cap-One business cards don’t report to credit bureaus and thus are invisible to Chase during their 5/24 evaluation).

  108. Allison C. says:

    DP: I don’t have any offers selected for me on the online portal. But I do have 5 pre-qualified offers in branch…one of them being the United card. Currently still holding out for the CSR…hoping the offer pre-approvals again as I am over 5/24 for aleast another 14mths…

  109. Vince says:

    Is it possible to get matched to the targeted 60k miles offer (that I actually received in an email) from the public 40k offer? I just SM’d Chase to try.

  110. Doodums says:

    I’m over 5/24 but just got an email for the CFU, $300 after spending $500.
    “Exclusive: Earn a $300 bonus with the Chase Freedom Unlimited® card”

    I’m afraid of wasting a hard pull. Any DP on this?

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