Why you should always have a balance transfer credit card in your wallet

I've followed TPG's 10 credit card commandments, but there's an exception to one of them: "Thou shalt pay thy balance in full." That's a rule to live by. Otherwise, carrying a balance month to month accrues interest charges, which can become burdensome. It also negates any rewards earned, as the interest charges are substantially more than any rewards or cash back you earn.

The exception to the first commandment is when an unexpected large purchase or an emergency occurs that requires you to spend several thousand dollars that you would not have spent otherwise. Rather than accruing interest, consider keeping a balance transfer credit card in your wallet.

I've certainly found myself in several situations over the last decade where a balance transfer card helped me pay a large balance over time. Let's talk about why it's beneficial to keep a balance transfer credit card in your wallet.

There's no cost in keeping a balance transfer credit card

One of the best aspects of keeping a balance transfer credit card in your wallet is that they typically do not have annual fees. As annual fees for premium credit cards continue to rise, it's a relief to know that holding on to a balance transfer credit card year after year won't cost you a penny.

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I applied for the Discover it® Chrome Card in 2014 and have had it for over 10 years now. My biggest reason for keeping the card is the lack of an annual fee; otherwise, it wouldn't be worth it. Every other month, my Discover it Chrome gives me a balance transfer offer, and over the years, I've taken advantage of great offers for a 0% annual percentage rate.

Applying for the card was an investment; although I received a hard pull on my credit initially, it was a one-time inquiry, and I've saved thousands of dollars over the years.

The information for the Discover it Chrome Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: What is a balance transfer fee?

A balance transfer credit card can improve your credit score

In my experience, carrying a balance transfer credit card and using it appropriately has always improved my credit score.

When you apply for a balance transfer credit card, you'll experience a temporary drop in your credit score due to the hard pull. After a few months, your score will increase because your total line of credit has increased.

Several years ago, an emergency room visit resulted in a hospital bill for a few thousand dollars. Although I paid the bill using my Chase Sapphire Reserve® (see rates and fees), I knew I would be unable to pay off my balance in full anytime soon, resulting in interest — or worse, falling behind on payments and being delinquent.

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Instead, I transferred the outstanding balance to my balance transfer credit card. This helped my credit score in two ways. I was able to make consistent payments on my balance transfer card, and it decreased my credit utilization on my Sapphire Reserve. Both factors contributed to my credit score, and over the next several months, I saw my credit score increase.

The final way a balance transfer credit card helps my credit score is through credit limit increases. When you use a balance transfer credit card responsibly, the issuer is likely to raise the credit limit, or you can request an increase. I often request a credit limit increase on my Discover it Chrome after each balance transfer is paid off.

Recently, I paid off $8,000; when I requested an increase, I was approved for an $8,000 boost to my credit limit. This reflects positively on my credit report because it decreases my overall credit utilization by increasing my available credit across all accounts.

Related: What is the difference between a hard and soft pull on your credit report?

Balance transfer credit cards are more flexible than ever

In the past, balance transfer credit cards were strict on which types of debt could be transferred. If you wanted to pay off a high-interest debt, it had to be directly paid off by providing the balance transfer credit card with the account number of the debtor account.

Another option was to request a balance transfer check from your issuer and write a check to the debtor.

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Nowadays, some issuers are flexible about how you can receive the funds from a balance transfer. When initiating a balance transfer online, you may be presented with an offer to deposit the funds into your checking account. This type of flexibility is helpful if the debt is not with another creditor or if you need the cash to make a large payment elsewhere.

Last year, I was moving houses; the company I selected, although highly rated, only accepted cash. In this situation, I was able to transfer the cash amount to my checking account ahead of time. The amount owed on my balance transfer credit card showed just like any other balance, and I was able to pay off the balance within six months without accruing interest.

Related: What happens to your credit card after a balance transfer?

Bottom line

The key takeaway is to spend responsibly and always within your means. Don't view a balance transfer credit card as a way to spend now and pay later for all purchases. Instead, consider it an investment in your finances and a lifeline for situations when large or unexpected purchases may occur.

Keeping a balance transfer credit card and using it throughout the years is a good way to protect your savings and checking account balances. You have the flexibility to use cash in other situations, such as a down payment on a home or startup funds for a business.

In the meantime, proper use of a balance transfer credit card can also improve your credit score, helping you attain a premium card that was once out of reach.

Related: The best balance transfer credit cards to add to your wallet

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.



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Why I’m canceling my Southwest credit card — and what I’m getting instead

Although I don't consider myself particularly loyal to any one airline, I've held — and loved — my Southwest Rapid Rewards® Priority Credit Card (see rates and fees) for several years.

The $75 annual flight credit and 7,500 anniversary points bonus (worth $101 by our August 2025 valuations) more than made up for the annual fee, even for a casual Southwest Airlines flyer. Despite the airline's tumultuous string of changes earlier this year, I still kept the card.

But Southwest's recent credit card revamp is the last straw.

Here's why I'm canceling my Southwest card before the new annual fee hits my account, and what other cards I'm considering replacing it with.

Why I'm canceling my Southwest card

Not only is the Priority card's annual fee increasing by more than 50%, from $149 to $229, but the annual $75 flight credit — the card's most valuable perk, in my view — is disappearing, with nothing to replace it. The credit will no longer be part of the card's benefits after Dec. 31.

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This top-tier card doesn't even include a once-per-year promotional flight discount like the lower-annual-fee Southwest Rapid Rewards® Premier Credit Card and Southwest Rapid Rewards® Plus Credit Card (see rates and fees).

The information for the Southwest Rapid Rewards Premier Credit Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

What does the revamped Priority card offer?

The highlight of the card's makeover, it seems, is the ability to upgrade to Southwest's extra-legroom seats (set to debut in 2026) within 48 hours of departure for myself and up to eight companions, when available. This would be worth more if I frequently flew Southwest with a large family, but because it's usually just me and my partner once or twice a year, it doesn't seem worth the $229 annual fee.

Plus, because Southwest's route network is mostly limited to flights within the U.S. and the Caribbean, extra legroom doesn't make as much of a difference as on, say, a transatlantic flight.

Another new perk: Priority cardholders can earn 2,500 tier qualifying points (up from 1,500) for every $5,000 spent. But with how little I fly Southwest, I'm unlikely to get close to status anyway.

Similarly, the new earning structure, including 4 points per dollar spent on eligible Southwest purchases (up from 3 points per dollar) and 2 points per dollar spent at gas stations and restaurants (up from 1 point per dollar), doesn't move the needle for me.

Since I have other cards that earn rewards at the same or better rates on dining and gas, I pretty much only use my Priority card for the occasional Southwest ticket, so I don't see this as an improvement.

As a result, I'm planning to cancel my card before the new annual fee pops up on my card anniversary next spring.

It's clear Southwest is trying to model itself, and its credit cards, on bigger airlines, but it still has a long way to go. In a couple of years, I may consider reapplying for a Southwest credit card, especially if the airline has built stronger partnerships and incorporated more long-haul flights.

Until then, here are the cards I'm considering to fill the hole left in my heart — and my wallet — by my beloved Southwest card.

Related: Are airline credit cards worth it anymore?

United Explorer Card

Since my home base, Denver International Airport (DEN), is a United Airlines hub, a United cobranded card is at the top of my list.

The United℠ Explorer Card (see rates and fees) is comparable to the Southwest Priority, with an annual fee of $150 ($0 for the first year) and a free checked bag for the cardholder and one travel companion.

I could boost my United MileagePlus balance with the 60,000-mile welcome bonus (after spending $3,000 on purchases in the first three months my account is open) and another 10,000 miles if I add an authorized user in the first three months.

Together, those miles are worth roughly $910 based on our August 2025 valuations.

ZACH GRIFF/THE POINTS GUY

Since I often book short hotel stays, I expect to maximize the card's up to $100 in annual credits on prepaid hotel bookings through United Hotels, which would help offset the annual fee. I could also make use of the card's two one-time United Club lounge passes each year.

On the other hand, the rest of the Explorer card's "coupon-book" style credits — for ride-hailing services (yearly opt-in required), rental cars, JSX and Instacart (through Dec. 31, 2027) — aren't very useful to me.

Also, because we fly United fairly often, my husband already holds the United Quest℠ Card (see rates and fees).

The Explorer provides some perks that the Quest doesn't, but I'm not sure it makes sense to pay an annual fee for a second United card.

Related: 4 reasons someone in your family needs a United credit card

Delta SkyMiles Gold American Express Card

Delta Air Lines' answer to the United Explorer Card, the Delta SkyMiles® Gold American Express Card, has a $150 annual fee — with a $0 introductory annual fee the first year (see rates and fees) — and a 50,000-mile welcome offer after you spend $2,000 on purchases in your first six months of card membership.

Delta SkyMiles' award rates aren't great, but this card would give me access to 15% off redemptions and the Pay with Miles feature to help my miles go further.

Add that to the fact that I hold the American Express® Gold Card and earn Amex Membership Rewards points, which can be transferred to SkyMiles at a 1:1 ratio, and this card could make a lot of sense.

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Similar to the Explorer card, the SkyMiles Gold provides a free checked bag and up to $100 in statement credits toward Delta Stays prepaid hotel bookings.

The earning rates (2 miles per dollar spent at Delta, restaurants worldwide and U.S. supermarkets; 1 mile per dollar spent on other purchases) are nothing special, but the perks could make this card a useful one to carry long-term.

My only deterrent is the fact that Delta doesn't have a huge presence at DEN; I'll need to do some research to see what kind of flights I could book on Delta before I apply.

Related: 5 things you need to know about Delta SkyMiles

Aeroplan Credit Card

Major U.S. airlines aren't the only ones I'm considering for my next credit card. Air Canada's offering, the Aeroplan® Credit Card (see rates and fees), is also a contender.

One reason is that I can transfer all my currencies to Air Canada Aeroplan at a 1:1 ratio: American Express Membership Rewards points, Chase Ultimate Rewards points and Capital One miles.

Another is that Air Canada is a partner of United, meaning there should be no shortage of award flights out of my home airport.

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This card currently offers an attractive 75,000-point welcome bonus after you spend $4,000 on purchases in the first three months your account is open, but the ongoing perks could make it a worthwhile addition to my wallet for years to come.

For a $95 annual fee, I could get valuable discounts on award flights and a free checked bag for myself and up to eight companions.

Plus, I'd get temporary Aeroplan 25K status (and, thus, Star Alliance Silver elite status) for the year in which I open the card and the following calendar year. If I decide to apply for the Aeroplan card, I'll wait until early 2026 to maximize my temporary status.

Related: PSA to international travelers: Here's why you should consider Air Canada and the Chase Aeroplan Card

Bottom line

The Rapid Rewards credit card revamp might be an improvement for Southwest loyalists, but it disappointed this casual Southwest flyer.

Luckily, there are plenty of alternatives with similar perks and modest annual fees.

If you're feeling the same way, check out our roundups of the best airline credit cards and the best cards to reach elite status. Then factor in things like your home airport, your credit card transfer partners and your upcoming travel plans before choosing the best one for you.

For rates and fees of the Delta SkyMiles Gold, click here.

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.



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The best relaxing adults-only, all-inclusive resorts for a kid-free vacation

Over the last decade, the all-inclusive concept has been embraced and reimagined by some of the world's most luxurious and character-rich hotels.

Travelers who would previously flinch at the notion of a one-size-fits-all formula — exemplified by big gated compounds in sunny destinations — are discovering just how liberating and discerning the adults-only all-inclusive model can be.

When everything from gourmet food and fine wine to bespoke amenities and expert-led wellness pursuits is included (and nicely tallied up ahead of time), it avoids that rather irritating nickel-and-diming that can take the shine off your dream holiday.

Whether you want to take a deep dive into wellness in Arizona, head to a chic mountain lodge in the wilds of Montana or retreat to your own private Caribbean island hideaway, there are some incredible all-inclusive options out there — and many where you can save thousands of dollars by redeeming points.

Here are some of TPG's favorite adults-only, all-inclusive resorts.

Related: Why now is the time to book an all-inclusive resort with points and miles

It may only be a quick (and private) 45-minute catamaran ride away from buzzy Cancun, but Impression Isla Mujeres by Secrets couldn't feel further from the hustle and bustle of the infamous Hotel Zone.

Here, guests — many of them World of Hyatt members, as the resort is fully bookable on Hyatt points — can spend time relaxing by one of the tiered infinity pools or under the overwater cabanas, soaking in the spacious hot tub, luxuriating in the spa (pro tip: don't miss the hammam), and dining at one of five gourmet restaurants.

The 123 suites feature balconies or terraces (many of which have private soaking tubs that can be enjoyed hot or cold) as well as luxury perks like minibars, maid service three times a day, a welcome bottle of tequila, Le Labo bath amenities, and chic, modern decor.

One of the major draws of the Impression brand is the Endless Privileges program, which includes unlimited food and drink (including top-shelf liquors) and 24-hour in-room dining service.

But perhaps the creme de la creme of luxury offerings is the personal butler service, available at guests' beck and call from 7 a.m. to 11 p.m.

Rates at Impression Isla Mujeres by Secrets start at $1,089 or 42,000 World of Hyatt points per night for two guests.

Steeped in history, Twin Farms was originally conceived by Nobel Prize-winning author Sinclair Lewis, who bought the farm for $10,000 in 1928 as a gift for his soon-to-be wife Dorothy Thompson (who asked for a Vermont farmhouse as her condition for marriage).

Today, this much-lauded all-inclusive Relais & Chateaux property in Barnard, Vermont — a small town 30 minutes from Burlington — comprises a supremely elegant collection of 28 accommodations, including free-standing cottages and log cabins constructed from cedar, hand-hewn hickory, stone and glass, which dot a bucolic 300-acre estate that has preserved the original farmhouse (which dates to 1795).

Eminent interior designer Jed Johnson designed the original 15 individually styled accommodations. Striking and inviting in equal measure, these spaces — plus more added later — are a design-lover's dream, with plush sofas, fireplaces, large free-standing tubs and walls graced with a superb collection of paintings, including masterworks by David Hockney and Jasper Johns, among other art world luminaries.

In the warmer months, room rates cover activities like tennis, fly-fishing, archery, kayaking, paddleboarding, nature walks and picnics in the woods. When it's cold outside, you can venture out skiing or snowshoeing on the private mountain before returning home to luxuriate in a wooden Japanese ofuro bath and cozy up fireside with steaming mugs of hot chocolate.

Regardless of what time of year you visit, you'll indulge in gourmet, farm-to-table fare for breakfast, lunch and dinner. Expect nights filled with canapes and Champagne, as well as dishes that showcase ingredients sourced from the property's gardens, trees and beehives.

All-inclusive rates at Twin Farms start at $2,950 per night, based on double occupancy. Keep in mind that "adults-only" here means children who are at least 14 years old are welcome.

Related: 5 incredible fall getaways in the Northeast

Just 22 miles northwest of downtown Austin in Texas' gorgeous Hill Country, this tastefully refined spa resort offers the best of both city and nature vacations. Overlooking Lake Austin, it caters to active types and spa devotees looking to foster a healthier and more rejuvenated self.

Each of Lake Austin Spa Resort's 40 cottage-style rooms offers classic luxury without being fussy. There are stately leather beds dressed with down comforters, porches furnished with wicker chairs, and a soothing color palette of pale blue, beige and white accented with quaint floral and checkered fabrics.

If you feel like splashing out, the plush Lady Bird Johnson Suite — named for the former first lady, who was a guest here — features a separate living room and dining area decorated with antiques and original artworks, as well as two fireplaces. It also has a large private outdoor terrace and a whimsical garden with a built-in hot tub and fire pit.

Guests are treated to three gourmet meals a day from acclaimed French chef Stéphane Beaucamp. Beaucamp's "nurturing table" ethos is based on healthy cuisine that marries fresh seasonal fare with inventive flavors and balanced nutrition. Like it or not, all of the menus list the calories and nutritional content in each dish.

The almighty splurge here happens once you don that plush white robe and sashay over to the spa. The facility is renowned for its pricey Swiss-inspired facials and treatments, which incorporate antiaging products by Valmont.

Should you wish to stick to activities that don't cost extra, check out the daily events calendar, which is jam-packed with fitness classes, hikes, cooking demonstrations and boat cruises, as well as talks and lectures centered on mind-body connection and spiritual healing themes.

All-inclusive rates at Lake Austin Spa Resort start at $1,460 per night, based on double occupancy.

Related: Book this, not that: The best points hotels in Austin

Surrounded by towering mountains, The Green O is the adults-only sister property of the acclaimed Resort at Paws Up. This architectural showstopper is a romantic haven for couples seeking a wilderness escape with a surfeit of outdoor adventures right on their doorstep.

Less than a 45-minute drive from Missoula Montana Airport (MSO), The Green O is home to 12 beautifully appointed, hygge-style accommodations that are scattered through northwestern Montana's primordial forests. With the Bob Marshall Wilderness Complex to the north and the wildlife-filled Swan and Garnet mountain ranges to the south, it's an awe-inspiring base from which to experience Montana's wilderness scenery.

Accommodations come in four different "haus" designs with at least 880 square feet. Each is a luxurious, supremely comfortable riff on a traditional Western cabin and embraces an inside-outside flow, with light wood floors and ceilings, glass-walled living spaces with cozy fireplaces, white walls decorated with paintings, cushy sofas and armchairs, canopy beds, and large furnished decks with hot tubs and swing chairs.

Guests have access to the (mostly included) excursions and activities available at The Resort at Paws Up, but the main draw of staying here is the horseback riding. Paws Up's stables are the largest in the state, and everyone from city slickers to seasoned equestrians can join all-day trail rides, team penning, arena lessons and cattle drives. Shooting, fly-fishing, hiking and fat biking are warm-weather options as well, while those visiting in winter can try snowsports galore, including skiing, snowshoeing, dogsledding and cross-country skiing. Indulgent spa treatments and massages take place in swanky tents.

Gourmet meals, which nightly rates cover, are served in the Social Haus. Menus showcase grilled meats raised on the ranch, as well as locally grown vegetables and fruits.

All-inclusive rates at The Green O start at $1,940 per night, based on double occupancy.

Located on the pristine white sands of Malolo Island, surrounded by a sanctuary that supports abundant marine life, Likuliku Lagoon Resort is the quintessential South Pacific island paradise.

With a thatched design that takes its cues from traditional Fijian architecture, the entire resort feels completely in harmony with its natural setting. Its sustainability credentials are also impeccable, with initiatives that include local flora and fauna conservation, elimination of single-use plastics, eco-friendly cleaning products, water desalination, and recycling.

There are 17 secluded beachfront bures (thatched bungalows), as well as 18 deluxe beachfront bures with private plunge pools and indoor-outdoor showers. But for romantics and bucket list travelers, the main draw at Likuliku is the 10 luxurious overwater bures (the only ones in Fiji) with glass floor panels, instant ladder access to the lagoon, and a tropical-chic aesthetic that incorporates exotic furnishings, polished wooden floors, and locally inspired textures and fabrics. The design ensures that you can revel in those castaway dreamscapes from pretty much any vantage point, whether it's your furnished outdoor pavilion, the perfectly positioned deep-soaking bathtub or your plush daybed. Thoughtful, complimentary amenities include a pillow menu, binoculars, a complimentary sarong, and a canape plate and freshly baked cookies delivered to your room daily.

At the center of the resort, the infinity-edge outdoor pool is surrounded by plush loungers, and the heavenly spa incorporates Pure Fiji products in its extensive lineup of treatments, massages and therapies. For active couples looking to interact more with the landscape, there are jungle hikes, island-hopping tours and snorkeling excursions; the island's waters are populated with more than 1,200 types of reef fish, as well as several species of turtles. Sightings of dugongs and humpback whales are also not uncommon.

The intimate Fijiana restaurant serves fresh gourmet cuisine that showcases regional ingredients, sustainable local seafood and traditional cooking techniques. Signature dishes include a local masala curry and a roasted snapper with chorizo, peas and black olive. All meals are included in the daily rate, but note that both alcoholic and nonalcoholic drinks cost extra.

All-inclusive rates (based on double occupancy) at Likuliku Lagoon Resort in a beachfront bure start at $1,194 per night. In an overwater bungalow, rates start at $1,822 per night.

Part of Marriott's Luxury Collection portfolio, the luxe 324-key Sanctuary Cap Cana overlooks a beautiful white-sand beach within a gated enclave just 20 minutes from Punta Cana International Airport (PUJ).

With its distinctive Spanish castle design and buildings divided into "Colonial" and more exclusive "Castle" sections (which come with VIP services and private butlers), the rambling property wows with its eclectic, art-filled public spaces, chic modern furnishings and soaring ceilings.

Rooms and villas span 19 different categories, including swim-up rooms and penthouse suites, so there's something for every type of traveler. Thoughtfully appointed junior suites, which start at 646 square feet, sport a classic beach-chic aesthetic with a serene white-and-cream color scheme contrasted with bold blue walls and layered textures and decorative elements like woven throws, rattan furnishings and gilded light fixtures.

Dining options include buffet fare at Casa Bella, seafood specialties at Blue Marlin, sushi and teppanyaki at Wok, and classic Italian at Capriccio. And there's no shortage of inviting places to enjoy signature cocktails — whether it's swimming up to Freshco Bar at the main pool or grabbing a predinner aperitif at Love Bar, a piano bar in the main lobby.

With six swimming pools, there's always space to relax on a cushioned lounger and enjoy the ocean views. Active travelers can tee off at the Jack Nicklaus-designed golf course, join a tennis clinic, take a dance class or play a game of beach volleyball. Within striking distance of the property, guests can zip line, hike and horseback ride.

The Sanctuary Spa offers a full menu of massages (starting at $160 for 50 minutes), as well as body treatments, facials, wellness journeys and mind-body classes, including yoga and meditation.

Rates at Sanctuary Cap Cana start at $456 per night but can soar to over $1,000 per night in the winter, or 120,000 Marriott Bonvoy points.

On palm-fringed Juanillo Beach, the adults-only Hyatt Zilara shares the luxe, gated Cap Cana complex with its family-friendly counterpart, the Hyatt Ziva Cap Cana. Just 15 minutes away from Punta Cana International Airport (PUJ), this attractive, manicured resort marries convenience and abundance with a picture-perfect location.

At the Hyatt Zilara, there are 375 oceanfront suites with at least 600 square feet of space. Myriad accommodation types meet every mood and budget, including swim-up suites, oceanfront suites and club-level suites that include extra perks and amenities, such as an exclusive lounge, premium liquors and personalized concierge service.

A contemporary, streamlined style prevails in all accommodations. Expect neutral hues and simple furnishings with occasional tropical bursts of color in accents like woven headboards and mosaic bathroom tiles.

Amenity highlights include several infinity-edge pools, a lazy river, a luxurious spa designed to resemble a cenote and 26 restaurants, some of which the resort shares with its sister property. Culinary standouts include Waves (a steakhouse), Brando's (a French-Polynesian restaurant) and Shutters Beachside (a breezy oceanfront Caribbean fusion restaurant serving fresh seafood and ceviche).

With lively pool parties, yoga classes, water aerobics, nonmotorized water sports and nightly entertainment in the outdoor amphitheater, the action here is nonstop. Adults can toggle between the Zilara and the Ziva, which has a slew of family-oriented amenities for those young at heart, including its centerpiece Canapolis Waterpark.

All-inclusive rates for the Hyatt Zilara Cap Cana start at $539 or 21,000 World of Hyatt points per night, based on double occupancy.

Related: 7 things to know before booking a stay at the Hyatt Zilara Cap Cana

A castaway's dream, the 135-acre Palm Island Resort & Spa is a jewel in the island chain of the Grenadines. Accessed only by boat, the private island is 10 minutes away from Union Island, the Grenadines' main transport and commercial hub.

Less flashy and not as well known as the neighboring islands of Tobago Cays and Mustique, diminutive Palm Island still has it all: five gorgeous white-sand beaches lapped by aquamarine waters, a coral reef populated with kaleidoscopic marine life and a spa featuring several treatments using hibiscus (considered the "Botox of the Caribbean").

Activities range from paddleboarding and snorkeling to tennis, volleyball and cricket. At night, local reggae bands play, rum tastings flow free, and you can raise money for local charities by signing up for the property's crab racing event.

This intimate 41-room retreat has five categories of accommodations to choose from, which are distinguished by their size, location and amenities. Rooms start at 450 square feet, but with soaring beamed ceilings and large furnished decks or patios surrounded by tropical foliage, they feel spacious and summon those breezy tropical vibes.

The decor is simple but stylish, with wooden, rattan and wicker furnishings; marine-themed paintings hanging on white walls; and crisp linens accented with fuchsia, green or blue cushions, depending on the room type.

As for dining, guests have access to two restaurants: the more casual Sunset Grill & Bar and the formal Royal Palm Restaurant. Spanning international and Caribbean classics, menus showcase the fresh catch of the day, wood-fired pizzas and bountiful local produce. With more than 2,000 coconut palms growing on the island, expect coconut to be a key component of many dishes.

All-inclusive rates at Palm Island Resort & Spa start at around $1,100 per night, based on double occupancy. Gratuities and taxes are included.

In the heavenly Lhaviyani Atoll, the 90-villa Hurawalhi Island Resort is the quintessential honeymoon destination, combining blissful scenery, barefoot-chic vibes and luxurious overwater bungalows with contemporary amenities.

Upgraded beachside villas are huge (measuring at least 1,130 square feet) and lavishly appointed with exotic hardwood furnishings, glass-walled bathrooms and large furnished terraces with a private pool. But you've come this far and dreamed this big, so live the Maldivian fantasy with one of the luxurious overwater bungalows, which have the same design as the beachside villas, plus steps leading down into the crystal-clear waters of the lagoon.

When it comes to dining, the all-inclusive package covers all meals at Canneli, which serves buffet-style international fare. However, there are additional restaurants you can pay to dine at, such as Kashibo, an Asian-fusion restaurant known for its inventive mixology (try a Thai sabai made with Cuban rum, ginger, cucumber, cardamom and passion fruit), and 5.8 Undersea, where multicourse tasting menus (think: wagyu beef tenderloin, Patagonian toothfish and Canadian lobster) are served in the world's largest all-glass, under-the-sea restaurant (19 feet below the surface).

Not surprisingly, indulgence, relaxation and luxuriation with mesmerizing views of the atoll are what draw most guests here. Those in search of more adventure are in luck, as the resort has all kinds of nonmotorized water sports in addition to snorkeling excursions with manta rays (in the company of the resident marine biologist) and dolphin "safaris." On land, there are also tennis and badminton courts, as well as a game room with air hockey, table tennis and arcade games.

All-inclusive rates at Hurawalhi Island Resort start at $1,250 per night, based on double occupancy.

True all-inclusive resorts in Florida are hard to find, but this charming beachfront property, less than an hour's drive from Miami International Airport (MIA), has plenty to offer couples looking for an upscale property in an idyllic location.

Expect inventive cuisine, many top-shelf liquors, and daily activities and entertainment (yoga, paddleboarding, and nightly shows like karaoke and trivia nights) — all included in the rate.

Chic and spacious garden-view or beachside bungalows make the case for blissful lounging. Furnished patios have outdoor rainfall showers, porches are decked out with Adirondack chairs — perfect for taking in the spectacular sunsets — and there are decadent deep soaking tubs in the polished bathrooms.

On-site restaurants and bars include piquant Mexican classics at the oceanfront Sea Senor, Italian with a seafood spin at Fish Tales, and tropical libations at the swanky Hemingway Bar.

There's a glistening pool surrounded by blue-cushioned loungers, a fitness tiki hut, a lively beach club and plenty of secluded nooks to retreat to (craft cocktail in hand) to admire the far-reaching views.

Rates at Bungalows Key Largo start at $799 per night, based on double occupancy. Garden Bungalows have a two-night minimum stay while Waterfront Bungalows have a three-night minimum stay. ("Adult" here means anyone age 21 and over.)

Few islands in the Caribbean are considered as romantic as St. Lucia, and one of its most romantic properties is undoubtedly Jade Mountain. Just a 12-minute drive away from Soufriere, this all-inclusive resort is an exclusive hideaway made for couples, as it's carved into a mountainside that overlooks a gorgeous bay with golden sands.

Whether you spend your stay sipping cocktails beneath star-studded skies on the Celestial Terrace or lounging on one of two beaches shared with its sister property, Anse Chastanet, everything about Jade Mountain is designed to immerse you in St. Lucia's stunning coastline and dramatic UNESCO-inscribed Piton mountains.

You'll find fantastic snorkeling and diving at the offshore reef, plus opportunities to dial up the romance during activities like sailing excursions on Miss Babsie (the house catamaran) and strolls through the on-site garden. There's a spa, too, for those who wish to indulge in a treatment.

Aptly named "sanctuaries," all 24 guest rooms are bigger than your average city apartment — they start at 1,400 square feet — and embrace an off-the-grid vibe, with no phones or TVs and an inside-outside design ethos. The decor is tropical-chic, with wicker and rattan furnishings, wooden floors, and exotic motifs in a neutral color scheme with exuberant pops of green, blue and pink.

There are five room categories to choose from, all of which are named after natural phenomena. Every room has a massive terrace and an open fourth wall to maximize those stellar Piton views; the Galaxy, Sun, Moon and Star sanctuaries also come with private infinity pools measuring between 450 and 900 square feet.

All meals are served in the resort's restaurant, Jade Mountain Club. Helmed by James Beard Award-winning chef Allen Susser, the eatery specializes in inventive Caribbean fusion cuisine that incorporates local, tropical ingredients.

All-inclusive rates at Jade Mountain start at $1,775 per night, based on double occupancy. Keep in mind that this resort permits guests who are 15 and older.

Related: Best points hotels in the Caribbean

Some 18 miles south of Los Cabos International Airport (SJD), Marquis Los Cabos is part of the Leading Hotels of the World portfolio. This upscale 235-suite resort with three pools and five restaurants overlooks the Sea of Cortez and is framed by dramatic desert landscapes.

Standard Junior Ocean View Suites start at 650 square feet. While they might not win any awards for creative design, they are spacious and spotless with colorful sofas, Mexican-inspired artwork, hacienda-style bed frames, Nespresso coffee makers and sweeping ocean views. Marble-accented bathrooms feature L'Occitane products. Considering booking one of the 25 casitas, which have a more contemporary aesthetic, plunge pools and more than 1,600 square feet of living-dining space.

Outside your suite or casita, you'll discover plenty of complimentary activities on both land and sea to keep yourself busy. You can try archery, play volleyball, enjoy nonmotorized water sports and partake in wine tastings and mixology and cooking classes, among other options. The concierge can also arrange local excursions and tours for a fee, including whale watching (in the winter), surfing, snorkeling, golf and deep-sea fishing.

The resort's all-inclusive plan covers room service and items available at the property's coffee shop and bar, plus all meals and drinks at four of the five restaurants, including one with a buffet. Every dining venue is helmed by well-known chef Claudio Hotter, and culinary themes include Japanese, Mediterranean and Mexican. The signature seafood restaurant, Canto del Mar, costs extra.

All-inclusive rates at El Marquis Los Cabos start at $621 per night, based on double occupancy.

This polished 202-room property offers the perfect Costa Rica trifecta of beach, rainforest and wildlife. Part of the Hyatt portfolio, Secrets Papagayo Costa Rica sits less than 15 miles from Liberia International Airport (LIR) yet feels immersed in nature from its hillside perch overlooking Arenilla Beach.

At 398 square feet, standard rooms aren't huge here, but they are contemporary and bright, with blond wood and wicker furnishings, plus balconies or terraces that have either garden or bay views. Contemporary bathrooms are well-designed with double sinks and walk-in showers. Upgrade to a club-level accommodation for access to the property's Preferred Club, where continental breakfast, hors d'oeuvres, desserts and premium liquors are served daily.

When your stomach starts to grumble, sit for a meal at one of seven dining venues. Crowd pleasers include Himitsu, a Pan-Asian restaurant, and Portofino, a romantic Italian eatery. For those who prefer a lot of options, make your way to the Market Cafe, a buffet-style establishment with an array of international dishes.

Amenities are plentiful, too. Two infinity-edge pools (one with a swim-up bar) are beautifully integrated with the beachfront setting and are surrounded by daybeds and loungers. The gym is well equipped with cardio machines and a separate weight room, and you can join any classes or activities that populate the daily calendar, including cooking classes, beach hikes, yoga sessions and coffee tastings. The resort can also arrange off-site deep-sea fishing, scuba diving and zip-lining excursions for a fee.

All-inclusive rates at Secrets Papagayo Costa Rica start at $370 or 25,000 World of Hyatt points per night, based on double occupancy.

The Miraval brand is synonymous with rejuvenation, balance and a be-kind-to-yourself form of indulgence. An hour from Tucson International Airport (TUS), the Miraval Arizona Resort & Spa is all about embarking on a mental well-being journey, in Miraval speak. Guests come here to eat healthier, partake in an array of mind-body pursuits, push their wellness boundaries and eliminate any tech impulses — they're given a cellphone "sleeping bag" at check-in to encourage disconnecting from their devices.

As you'd expect, each of the 118 rooms, suites, villas and retreats is a calming, serene haven designed to blend harmoniously with the surrounding desert and mountain landscape. Starting at 400 square feet, rooms are appointed with contemporary furnishings in a muted color palette of brown, white and gray. The highlights, though, are the thoughtful relaxation-focused touches, such as Tibetan singing bowls, meditation cushions and Miraval's super-comfortable "cloud" beds dressed in bespoke bedding.

Breakfast, lunch and dinner are served in the Cactus Flower Restaurant, with the option of eating at the bar for dinner. Don't expect it to be all panaceas and penance when it comes to the all-inclusive dining options. Among the kale salads, wheatgrass, complex proteins and superfood smoothies, you'll find pizza, burgers, decadent desserts, fine wine, cocktails and other crowd-pleasing delights that make a stay here into a true vacation.

The seemingly endless daily activities calendar focuses on physical, mental and emotional well-being. Offerings include aerial yoga, stretching, mindfulness, meditation, cardio drumming, tennis and equine therapy (for an additional charge), as well as cooking classes, talks on how to curb inflammation and artistic expression workshops. You'll also find hiking trails, two pools (one with poolside snacks and cocktails), a gym and a luxurious spa that is one of TPG's favorites on the 400-acre property.

All-inclusive rates at the Miraval Arizona Resort & Spa start at $1,101 or 57,000 World of Hyatt points per night, based on double occupancy.

Europe may not be the obvious choice when it comes to choosing your next all-inclusive resort. It's also hardly a budget option in terms of places to stay, dine and play. However, the continent has a number of accommodation options that offer it all — and one of the best is on the Greek island of Rhodes.

In Kiotari, some 37 miles away from Rhodes Airport (RHO), Mayia Exclusive Resort & Spa is a popular choice among European sun-seekers thanks to its exceptional amenities, high-quality dining and prime location close to some of Rhodes' most beautiful beaches, atmospheric seafood tavernas, unspoiled mountain villages and one of Europe's best-preserved medieval towns.

The modern Greek style starts in the lobby with clean lines and a white-on-white palette. Housed in clusters of low-rise, whitewashed buildings, the 250 rooms and suites are fresh and bright, with polished tile floors and simple wooden, rattan and wicker furnishings. Huge picture windows and balconies make the most of the impossibly blue Aegean Sea, while select accommodations also have swim-up access to shared pools or their own private pools.

Resort amenities include a luxurious spa, a sauna, two beautiful swimming pools surrounded by loungers and a small, private beach area. While the all-inclusive package doesn't cover spa treatments, you can use its facilities, plus the pools and beach, and partake in all kinds of activities, including aerobics, tennis, cooking classes, themed dinners and snorkeling.

Room rates also cover all meals and drinks at the main buffet restaurant in addition to dinner at any of the three a la carte eateries, which specialize in Greek, Italian and Asian fare.

All-inclusive rates at Mayia Exclusive Resort & Spa start at $92 per person, per night.

Just south of Puerto Vallarta, this contemporary 271-suite resort faces a wide, sandy beach at the southern end of the Hotel Zone and is less than 2 miles north of Puerto Vallarta's historic center and zocalo (main square), which is dotted with restaurants, clubs and galleries.

Puerto Vallarta is known for its sizzling nightlife and cosmopolitan, LGBTQIA-friendly atmosphere, and this Secrets outpost shares that inclusive outlook. Sultry chambers trade the customary neutral palette of Secrets' other outposts for vibrant shades of purple and red, luxe velvet daybeds, marble floors, gold woven headboards, and deep soaking tubs primed for rose petals. Glass-walled balconies allow for spectacular ocean views from any vantage point, and swim-up rooms (some of which are club-level accommodations with access to a lounge) add that extra dose of exclusivity and privacy.

Beyond the large, sun-drenched swimming pools surrounded by swaying palms and the inviting, swimmable beachfront of Banderas Bay (which is much calmer than the open Pacific), there's around-the-clock entertainment. Competitive types can play soccer, try their hand at archery or join a pick-up volleyball game. Wellness enthusiasts can hit the spa or fitness center (charges apply for spa treatments), and snorkelers and divers can sign up for a fee-based excursion to the Marietas Islands, which are known for their incredible biodiversity.

At night, there are themed parties, movies on the beach, and live events and shows in the open-air theater.

There are five eateries as well, including Market Cafe (an international buffet), Oceana (featuring fresh seafood by the beach) and Bordeaux (where classic French cuisine is served in an atmospheric wine cellar under glittering chandeliers and frescos). Additional restaurants are available at the resort's adjacent sister property, Dreams Vallarta Bay Resort & Spa.

All-inclusive rates at Secrets Vallarta Bay Puerto Vallarta start at $220 per person, per night, or 25,000 World of Hyatt points per night, based on double occupancy.

Tucked amid towering coastal redwoods, the intimate, 59-room Alila Ventana Big Sur exudes rustic-chic charm. Just off the Pacific Coast Highway less than three hours south of San Francisco, this Hyatt outpost is widely considered the brand's finest property in North America.

All rooms and suites showcase outdoorsy details, such as wood paneling, black-and-white nature prints, leather armchairs, and wood- and stone-clad bathrooms. The impeccable style is maintained across the public spaces, where terraces with outdoor fireplaces and granite floors are arranged with cozy outdoor sofas and chairs for alfresco lounging.

Throughout the expansive property, there are plenty of areas for relaxing and taking in Big Sur's signature coastal views. There are two beautifully landscaped, heated pools surrounded by loungers and manicured lawns: the infinity-edge Meadow Pool and the clothing-optional Mountain Pool.

Additionally, guests have access to a small fitness center, Japanese hot baths and a spa with outdoor cabanas nestled among redwoods. The surrounding area is also crisscrossed by hiking trails like the 8-mile Andrew Molera Loop, which sits just steps from the resort.

Alila Ventana Big Sur offers guests modern American fare that skews wholesome (incorporating organic produce grown in the on-site garden) as part of their nightly rate. Expert delectable dishes such as hand-harvested scallops with parsnip and apple, and Fogline Farms chicken with gnocchi.

All-inclusive rates at Alila Ventana Big Sur start at $1,300 or 35,000 World of Hyatt points per night, based on double occupancy.

Less than an hour from Cancun International Airport (CUN), the all-suite Secrets Maroma Beach Riviera Cancun is a world apart from Cancun's rowdy spring break image. Set on one of the Riviera Maya's most picturesque swathes of white sand, it's a haven for water sports lovers — the snorkeling at nearby Puerto Morelos is the best along this part of the coast.

Surrounded by lush foliage, the 412 suites measure at least 624 square feet and are richly appointed with polished dark wood, rattan and wicker furnishings, plus spacious marble-clad bathrooms and artfully scattered cushions and linens that add bold pops of color to an otherwise muted palette. Wooden shutters open to furnished balconies or terraces with either tropical or ocean views, and for that extra dose of romance and air of exclusivity, swim-up suites are also available.

For meals, there are six a la carte restaurants (including Bordeaux for classic French bistro fare, Oceana for creative seafood and El Patio for cantina-style Mexican cuisine), as well as a more casual buffet venue, a grill and a cafe. If you upgrade to a club-level suite, you'll also have access to an exclusive beach club, along with other perks like premium liquors and personalized concierge service.

The all-inclusive rates cover a number of facilities and activities, too. In addition to cooling off in the two large swimming pools (one of which is an infinity pool), you can attend "wine and paint" sessions and taco-making classes, participate in fitness classes like beach yoga, play tennis and go on daily excursions, such as sunrise kayak tours around the bay.

Like other Secrets properties, Secrets Maroma Beach also has an outpost of the brand's signature Spa by Pevonia. Here, guests can enjoy fee-based treatments like indoor-outdoor couples massages, facials and salon services when they're not using the hydrotherapy circuit or sauna.

All-inclusive rates at Secrets Maroma Beach Riviera Cancun start at $620 or 25,000 World of Hyatt points per night, based on double occupancy.

Related: TPG's favorite points hotels on the beach in Mexico

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.



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Surprise — why spending $30 per kid to visit the lounge at the airport turned out to be the best money spent

Once upon a time, it was common that if you had an airport lounge membership that granted you access, it extended to your immediate family when they were traveling with you. Unfortunately, times have changed.

Over the last few years, largely due to increased demand and finite lounge space, we've seen program after program restrict lounge access.

Now, friends, partners and even kids under 18 have to stay outside the lounge door for some programs, unless you spend enough annually to hit a higher tier in that lounge ecosystem or pay guest entry fees.

And for the first time ever, I paid the guest entry fee. Buying lounge access for my kids was the best $60 I could have spent on that entire trip.

Here's why it was worth it — just in case you are ever in a similar situation and typically opt to skip the lounge when the family is along for the ride.

The unexpected airport delay

Lounge access is nice, but it isn't so important to us that I typically spend extra to bring my kids in when we travel if they don't otherwise have access.

I would have never guessed I'd spend extra money to have them hang out in a domestic airport lounge.

We were fresh off a short cruise from Miami, which meant an early wake-up call and debarkation to start the trek home to Texas. Flight schedules weren't really on our side, so we were going to have a few hours in the airport before our flight home, even if everything worked perfectly. But perfect wasn't on the agenda that day.

Family room in the Amex Centurion Lounge in Miami. SUMMER HULL/THE POINTS GUY

Instead, a few expected hours in the airport that morning turned into over nine hours when our flight home was delayed ... and delayed ... and delayed again.

Miami International Airport (MIA) isn't exactly known for being the best airport in the country. At least, in the terminal we were in, there weren't a lot of outlets at the gates to power your devices, the gate seating was far from comfortable, there was a nonstop chiming sound and other passengers also facing delays were lying all over the floor of the gates resting wherever they could.

We joined them in that less-than-ideal situation for the first few hours of the day.

However, as soon as we were within three hours of our originally scheduled flight, which is the earliest you can get in, we headed to the American Express Centurion Lounge and did something I never really thought I'd do: I spent $30 for each kid to come into the lounge with me.

SUMMER HULL/THE POINTS GUY

If you aren't familiar, those with The Platinum Card® from American Express and The Business Platinum Card® from American Express can get up to two complimentary guests by spending $75,000 or more on eligible purchases on the card in a calendar year.

Otherwise, it costs $50 per guest for those 18 and over and $30 for guests under 18 (those 2 and younger can visit for no cost).

Related: The least expensive cards for airport lounge access

From chaos to comfort

Spending $60 for my two kids to chill in a lounge sounded like something I wouldn't likely ever do until I did. Here's what it got us:

  • Over five hours with comfortable places to sit on couches with our own outlets (given the time duration, this would have been worth it to me all on its own)
  • Nice restrooms
  • Access to unlimited snacks and drinks
  • Dinner from the lounge buffet
SUMMER HULL/THE POINTS GUY

Considering we spent about $55 on airport lunch in the hours before we could get into the lounge, the math easily "mathed" on hard costs we saved over the five-plus hours we spent there. Airport dinner alone likely would have cost us over $60, given the price of lunch.

When we left the lounge to head to the gate, we were again faced with having to fight our way to find some space on the ground to sit together, as the whole area of chairs and floor space was full of equally exhausted and unhappy people who had also spent their whole day waiting for their flight.

Related: How to choose a credit card for airport lounge access

A secret spot at MIA

If you happen to find yourself in a similar situation at the American Express Centurion Lounge at the Miami airport, specifically, there's an area to check if you have trouble finding seats in the rest of the lounge.

SUMMER HULL/THE POINTS GUY

When you enter the lounge (after checking in), immediately turn left and go down the hallway, where you may find couches and tables that are empty even when the rest of the lounge is pretty full.

Bottom line

If you thought — like I did — that paying guest fees for your kids to visit a lounge at the airport with you was an option to dismiss as being something you don't really need to consider, I hear that.

However, keep it in mind as an option, especially during long delays when things that usually aren't worth it suddenly become the best money you spent on your vacation.


For rates and fees of the Amex Platinum Card, click here.
For rates and fees of the Amex Business Platinum Card, click here.

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.



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Chase’s 5/24 rule: Everything you need to know

In the points and miles world, a mention of the infamous 5/24 rule is sure to follow whenever a Chase card comes up. Essentially, this refers to the unofficial rule that Chase won't approve a credit card application for someone who has opened five or more new credit cards from any issuer in the past 24 months.

However, without any official published policy from Chase, dissecting the 5/24 rule relies heavily on crowdsourced data. Because of this, some data points are outliers. That being said, here's what you need to know about Chase's 5/24 restrictions.

What is the Chase 5/24 rule?

In order to be approved for any Chase card subject to 5/24, you cannot have opened five or more personal credit cards across all banks in the last 24 months (more on business cards in a moment).

Chase Bank branch exterior
WYATT SMITH/THE POINTS GUY

This means you actually need to be under 5/24 to be approved. The 5/24 rule only applies to getting approved for cards issued by Chase, but your 5/24 count includes credit cards from all banks.

Related: The best ways to use your 5/24 slots

Are all Chase cards subject to 5/24?

Most travel cards issued by Chase are subject to 5/24 for approval, including cobranded cards. The following are cards reported to be subject to the 5/24 rule:

*The information for these cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Reader reports also indicate that applying for too many Chase cards too quickly can lead to account scrutiny and shutdowns, regardless of your 5/24 status. Some online reports have noted that Chase will not accept you for more than two new accounts within 30 days.

Because of that, the general recommendation is to avoid applying for a new account more frequently than every three or four months.

Remember that 5/24 is not the only factor determining whether your Chase credit card application is approved. Your credit score, income, debt levels and many other variables are also considered.

For business cards, Chase also sometimes requests documentation such as financial statements or articles of organization to show that you have a legitimate business or sole proprietorship.

Related: How to complete a Chase business credit card application

How do I check my 5/24 status?

We've found the easiest way to check your 5/24 status is to sign up for Experian's free credit report service. (Make sure you don't accidentally sign up for a paid service, unless that's your intention.)

Using the Experian app, you can view all of your accounts and sort them by the date they were opened. From here, count anything opened within the last 24 months. Chase only looks at whether an account was opened. It doesn't matter if you've since closed it.

Woman working on laptop in kitchen
MOMOPRODUCTIONS/GETTY IMAGES

According to the most recent data points, you will not technically be below 5/24 until the first day of the 25th month after your fifth account was opened. For example, if your fifth most recent account was opened on Oct. 17, 2023, do not apply for a new card until at least Nov. 1, 2025.

Related: How to calculate your 5/24 standing

What accounts add to your 5/24 status?

The following accounts count toward your 5/24 standing:

  • All personal credit cards opened with any bank in the immediate past 24 months (even if they're now closed).
  • Business cards opened with Discover and TD Bank in the past 24 months, plus any Capital One small-business card other than the Capital One Venture X Business and Capital One Spark Cash Plus accounts.
  • Authorized user cards from another person's personal card opened in the past 24 months, as they're reported on your credit report. However, you can call the Chase reconsideration line and ask that these accounts not be considered.
  • Specific store cards opened in the last 24 months that are part of a national payment system and can be used elsewhere. Some data points suggest that even store cards that can only be used at a single establishment also now count. Assume that if it shows up on your credit report, Chase will count it.
A person typing in credit card info into a laptop
WESTEND61/GETTY IMAGES

The following accounts will not count toward your 5/24 standing:

  • Cards for which you applied but were ultimately denied. (Credit inquiries aren't counted.)
  • Small-business cards from the majority of card issuers, with the known exceptions listed above.
  • Auto loans, student loans and mortgages.

Related: These 6 business cards can help you stay under Chase's 5/24 rule

What about card conversions and upgrades?

Depending on how a bank processes a card conversion or upgrade (also known as a product change), it might not be reported as a new account. Before completing an upgrade or product change, ask the bank if a hard credit pull will be completed. In addition, ask if you'll receive a new account number after the switch.

If the answer to one (or both) of these questions is yes, that could be a sign that the account will be considered new and add to your 5/24 standing.

Related: Don't cancel: How to downgrade a Chase credit card

Are there active methods to bypass 5/24?

There have been some recent instances where cardholders bypassed the 5/24 rule through targeted "Just for you" offers. To see if you're targeted, navigate to "Just for you" under "Explore products" in the left-hand menu bar when you're logged in to your Chase personal account.

A person holding up a laptop and a credit card
MSTUDIOIMAGES/GETTY IMAGES

If you desperately want a card now and are over the 5/24 limit, you can attempt a product change within the Chase Ultimate Rewards card family (assuming you've held the card you want to convert for at least a year).

However, unless you've been specifically targeted for a bonus to upgrade a card, you will not receive a welcome bonus for any product change.

Related: When should you ignore Chase's 5/24 rule?

Chase 5/24 FAQ

Can I apply for two Chase cards on the same day when I'm at 4/24 and get approved for both?

Historically, some data points suggested you can apply for two Chase cards on the same day when you're at 4/24. However, one of the applications may be automatically declined in this case. If you call the reconsideration line, the agent may see your new (approved) account, and this may make you ineligible for the second one (though you'd still have the second hard inquiry on your account).

In either case, remember that Chase may scrutinize customers applying for credit too quickly. Our recommendation is to only apply for one Chase card at a time.

I applied for a card on the exact day I went below 5/24 and was denied. What can I do?

Wait until the first day of the next month and call the Chase reconsideration line, or reapply after the first day of the next month.

I am at or over 5/24. Can I get a card from another bank?

Yes. Approvals for credit cards issued by banks other than Chase are not affected by your 5/24 score. Of course, each bank does have its own approval criteria.

A person typing in credit card info into their laptop
KSENIYA OVCHINNIKOVA/GETTY IMAGES

Do Chase business cards count toward my 5/24 score?

No. If you are approved for a Chase business card, it shouldn't add to your 5/24 standing. However, you must be below 5/24 to get approved for most Chase business cards.

What if I'm under 5/24 but have authorized user accounts on my credit report that make me appear at (or over) 5/24?

Your application may be outright denied or marked for further review. In either case, you'll want to call the Chase reconsideration line and note which accounts are authorized user accounts. The agent will likely ask whether you are responsible for these accounts and may approve you if someone else is the primary cardholder. However, this is a manual process, and it may not work.

Instead, consider planning ahead and removing yourself as an authorized user at least a month before submitting your application.

Related: The best cards to get after you hit 5/24

Bottom line

Chase's 5/24 is a firmly entrenched rule with no signs of disappearing anytime soon. This means you need to be extremely strategic about your application and rewards strategy so you can maximize your five allowed Chase slots.

If you're starting in the realm of credit card rewards and aren't close to 5/24, you'll want to prioritize getting Chase cards first. But remember not to try to fill your five slots with Chase cards too quickly. Take it slow and be smart about which cards you apply for and when you do it.

For additional reading, check out our picks for the best credit cards.


Apply here: Chase Sapphire Preferred
Apply here: Chase Sapphire Reserve


Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.



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