Updated
Credit Card Tracker: Track Your Cards, Annual Fees and Chase 5/24 Status
The spreadsheet every points collector ends up building
Open a few rewards cards and you quickly need answers that no bank will give you in one place. When did I open each card? When does each annual fee post? Have I hit the spending requirement on the new one, and when is the deadline? How many cards have I opened in the last 24 months?
Most people end up with a spreadsheet. The Credit Card Tracker replaces it. Add each card once, with its open date, and it keeps your annual fees, welcome bonus deadlines and Chase 5/24 status up to date automatically, including the exact date your next 5/24 slot opens.
How to use the Credit Card Tracker
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Sign in and click Add New Card. Search Card Name for any of the 200+ cards in AwardHack's database. Picking one fills in the issuer, network, rewards currency, annual fee and earning rates for you. Cards that aren't in the database can be added manually.
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Enter the Card Open Date. It's the one required field, and the most important one: it drives your 5/24 count, your annual fee dates and any anniversary-based credits. Add a Nickname if you hold two of the same card, and a Credit Limit if you want to track it.
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Record the welcome bonus. Enter the Bonus Amount, Spend Required ($) and Spend By (days). The card then shows a Sign Up Bonus Deadline. When you've hit it, click Bonus achieved.
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Mark closed cards, don't delete them. Tick Mark Closed and enter the Date Closed. Closed cards still count toward 5/24 and toward many bonus rules, so they belong in your history.
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Log product changes. When you upgrade or downgrade, use Product Change from the card's menu. The tracker records what the card changed from and when, so you keep one continuous account history.
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Turn on benefit tracking. Tick Track benefits for this card to add the card's credits to the Benefits Tracker.
Tip: Add every card you've opened in the last 24 months, including closed ones. A 5/24 count is only as accurate as the list behind it.
The three numbers at the top
Total Annual Fees. The sum of the annual fees on your open cards, so you know what your wallet costs you each year.
5/24 Status. How many personal cards you've opened in the last 24 months, shown as "X/24". Underneath it shows how long ago you opened your last card and Next slot: the date your count drops below 5, or "Already under 5/24".
Next Milestone. The earliest upcoming date across your wallet: either a welcome bonus spending deadline or a card anniversary when an annual fee will post.
How 5/24 works, and how the tracker counts it
Chase usually declines applications for most of its cards if you've opened five or more personal credit cards from any bank in the past 24 months. It's the single most important application rule in US credit card rewards, because Chase cards earn some of the most flexible points.
The tracker counts every personal card in your list with an open date in the last 24 months, open or closed. Cards marked as business cards aren't counted, since most business cards don't appear on your personal credit report.
Worked example: when does my next slot open?
Say today is October 13, 2026, and you've opened these personal cards:
| Card opened | Within 24 months? |
|---|---|
| June 15, 2026 | Yes |
| February 1, 2026 | Yes |
| August 20, 2025 | Yes |
| March 5, 2025 | Yes |
| January 10, 2025 | Yes |
That's 5/24, so Chase will likely decline you. The tracker finds the oldest of those five cards (January 10, 2025) and adds 24 months. Next slot: Jan 10, 2027. After that date you're at 4/24, and you can apply for one Chase card.
A business card you opened in May 2026 wouldn't change any of this.
What usually counts toward 5/24
- Counts: personal credit cards from any issuer, open or closed, including store cards.
- Usually counts: cards where you're an authorized user, since they appear on your credit report. Add them to the tracker as personal cards if you want your count to match what Chase sees.
- Usually doesn't count: most business cards, though a few issuers report business cards to personal credit reports.
Other issuer limits worth tracking
5/24 isn't the only rule. AwardHack's rules database records these application limits, and your open dates in the tracker are what you need to check them.
| Issuer | Limit |
|---|---|
| Chase | 5/24: five or more personal cards in 24 months usually means a denial |
| Amex | Two credit cards in 90 days; charge cards don't count toward this |
| Citi | One application every 8 days, two every 65 days |
| Capital One | Roughly one new card every 6 months |
| Barclays | Sensitive to 6+ new accounts in 24 months |
| U.S. Bank | Sensitive to recent new accounts, and favors existing customers |
Use the date filter (This Year, Last 6 Months or a Custom Range) to see at a glance how many cards you've opened in a given window. Then check the Card Recommender, which applies 5/24 and issuer bonus rules to your wallet and ranks the bonuses you can still earn.
Annual fees: decide before they post
Annual fees usually post around your card anniversary, and many issuers refund the fee if you close or downgrade shortly after it posts. Check your issuer's policy before you count on it. The Next Milestone tile tells you which card is up next.
When a fee is coming:
- Check what the card gave you. If you track credits in the Benefits Tracker, you know exactly what you used last year.
- Run the numbers. Put that into the Card Value Calculator and look at the Year 2 verdict.
- Ask for a retention offer. Many issuers will offer points or a statement credit to keep you.
- Downgrade instead of closing. Moving to a no-fee card in the same family keeps your credit line and account age, and often your points. Log it with Product Change.
Searching, sorting and filtering your cards
With a big wallet, finding a card fast matters. You can:
- Search by card name or issuer.
- Sort by Card Open Date, Annual Fee, Credit Limit or Bonus Status.
- Filter by status (active or closed), bonus (achieved or pending), issuer, network, rewards currency, personal or business, and open date.
If you manage cards for a partner or family member, each person can have their own profile, and you can move a card to the right profile with Assign to from the card's menu.
Free vs Pro
The free plan tracks two cards in full. If you add more, the extra cards are locked, and the summary shows how many cards are included. Pro unlocks unlimited cards, so your 5/24 count, fee totals and milestones cover your whole wallet.
Frequently asked questions
How do I check my Chase 5/24 status?
Count the personal credit cards you've opened from any bank in the past 24 months. The Credit Card Tracker does this automatically from your cards' open dates and shows your status as X/24, along with the date your next slot opens.
Do closed cards count toward 5/24?
Yes. 5/24 counts cards opened in the past 24 months, whether they're open or closed today. Mark cards as closed in the tracker rather than deleting them so your count stays accurate.
Do business cards count toward 5/24?
Most don't, because most business cards don't appear on your personal credit report. The tracker excludes cards marked as business cards from the count.
When will I drop below 5/24?
Twenty-four months after you opened the fifth most recent of your personal cards. The tracker shows this date as Next slot on the 5/24 Status tile.
How do I keep track of credit card annual fees?
Add each card with its open date and annual fee. The tracker totals your annual fees and shows the next card anniversary in the Next Milestone tile, so you can decide whether to keep, downgrade or cancel before the fee posts.
Can I track my welcome bonus progress?
Yes. Enter the bonus amount, spending requirement and the number of days you have. The card shows its Sign Up Bonus Deadline until you mark the bonus achieved, and the deadline appears in Next Milestone when it's the next thing due.
Is the Credit Card Tracker free?
Yes, for two cards. Pro removes the limit so you can track your entire wallet.
What happens to my history when I upgrade or downgrade a card?
Use Product Change from the card's menu. The tracker keeps the original open date and records what the card changed from and when, since a product change keeps the same account.
The bottom line
Every good card decision starts with knowing exactly what you have. Add every card you've opened in the last two years, keep closed cards in the list, and record bonus deadlines when you open a new card. The tracker will keep your 5/24 count, your fee calendar and your next move in view, so you never apply at the wrong time or pay a fee you meant to avoid.