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October 10.2025
3 Minutes Read

Maximize Your Rewards: Business Cards Under Chase's 5/24 Rule

Young barista in coffee shop with tablet and credit card.

Unlocking Rewards: Navigating Chase’s 5/24 Rule

Chase is known for offering some of the most attractive rewards credit cards, but navigating its strict policies, specifically the 5/24 rule, can be challenging for many consumers. This rule, although unofficial, can significantly limit your chances of approval for new Chase credit cards. Understanding how it works is crucial for those eager to maximize their travel and cash back rewards.

Understanding the 5/24 Rule: What It Means for You

The essence of the 5/24 rule is straightforward: if you have opened five or more new personal credit cards from any issuer within the past 24 months, your application for a new Chase card is likely to be denied. This rule is intended to discourage credit card "churning," a practice where users open multiple credit cards to take advantage of sign-up bonuses, resulting in an influx of new accounts.

Notably, this limitation extends to personal credit cards, including store cards and those with no preset spending limits, but many business credit cards do not count toward this threshold. This pivotal distinction allows some savvy shoppers to earn rewards without risking denial for personal cards.

Business Cards: A Strategic Tool Under 5/24

For those looking to maintain their Chase approval odds while still racking up rewards, business credit cards present a golden opportunity. Applying for cards such as the Ink Business Preferred® Credit Card and the Citi® AAdvantage Business™ World Elite Mastercard® can help you accumulate valuable points without impacting your 5/24 status.

The Ink Business Preferred card, for example, offers a lucrative welcome bonus of 90,000 points after meeting a $8,000 spend in three months, alongside robust earning rates across a variety of business-related expenditures.

Comparing Options: Which Business Cards to Consider

The selection of business cards catering to those who want to maintain a clean 5/24 slate is extensive. Here’s a summary of some prime contenders:

  1. Ink Business Preferred® Credit Card: Ideal for earning Chase Ultimate Rewards, with a welcome offer of 90,000 points after spending $8,000 within the first three months.
  2. Citi® AAdvantage Business™ World Elite Mastercard®: Perfect for American Airlines flyers, offering 75,000 bonus miles after a $5,000 spend in the first five months.
  3. Marriott Bonvoy Business® American Express® Card: Generous 125,000 bonus points after spending $8,000 in the first six months, plus extra perks at Marriott hotels.
  4. Ink Business Unlimited® Credit Card: Offers straightforward cash back, allowing an easy rewards accumulation without an annual fee.
  5. Hilton Honors American Express Business Card: Ideal for Hilton loyalists, rewarding generous points for hotel stays, alongside a significant welcome bonus of 175,000 points.
  6. The Blue Business® Plus Credit Card from American Express: Perfect for those without high annual spending, offering 2 points per dollar spent on the first $50,000 per year.

Tips for Applying and Managing Your Cards

Maximizing your chances of being approved for business credit cards while remaining under the 5/24 rule entails organizing your credit strategy:

  • Track Your Applications: Keep a detailed log of the credit cards you apply for, including all issuers. This helps maintain awareness of your application count and when cards will fall off your 24-month timeline.
  • Prioritize Chase Applications: If you’re near the 5/24 limit, it’s advisable to prioritize applying for Chase cards before hitting the five-card threshold.
  • Keep Business and Personal Expenses Separate: Using business credit cards solely for business-related expenses simplifies tax reporting and maintains the integrity of your personal credit profile.

Conclusion: The Path to Reward Maximization

Chase’s 5/24 rule can initially seem daunting, but with proper planning and an effective approach to card applications, you can still enjoy valuable rewards through business cards. Incorporating these strategies into your financial routine can keep you eligible for Chase’s most rewarding cards, paving the way to travel perks or cash back bonuses. Think ahead, track your applications diligently, and your future card choices can remain wide-open.

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02.24.2026

Explore George Town's Vibrant Food Scene: A Local’s Guide

Update Discover George Town: A Culinary Treasure Trove George Town, Malaysia, a vibrant city where culture and cuisine entwine, invites food lovers to indulge in its rich tapestry of flavors and history. The city's culinary journey reflects centuries of diverse influences, from Chinese and Indian to Malay and European, all intermingling harmoniously. This multifaceted heritage is most evident in its food scene—a true representation of the community's rich history and vibrant spirit. Savoring Traditional Delights in Every Corner As you navigate the colorful streets of George Town, the aroma of local delicacies wafts through the air, eager to draw you in. Kickstart your culinary adventure with a cup of thick, aromatic kopi at Pause Mood, a chic spot in a restored shophouse. Alternatively, the authentic vibe of Swee Kong Coffee Shop promises a more no-frills atmospheric experience, allowing you to sip and observe the local rhythm of life. Street food plays a significant role in local culture, serving as delicious socio-cultural connectors among the community. At nearby hawker stalls, don't miss out on famous dishes like Hokkien Mee and Char Koay Teow. As you savor these dishes, you’ll appreciate the skill of the cooks, like the one at No 5 Char Koay Teow, who stacks the plate high with fresh ingredients like duck eggs and blood cockles. Pair these with Teh Tarik, the beloved foam-topped tea that adds the perfect local touch. Experiencing George Town’s Culinary Gems The quest for flavor continues with standout dishes like Assam Laksa at Kim’s Laksa, which serves a sharp, tangy noodle soup distinct from the creamier versions elsewhere. This taste sets the stage for a perfect dining experience at Hameediyah Restaurant, known for its Nasi Kandar; its mixture of rice and curry showcases the heritage of Tamil Muslim cuisine that thrives in this area. The addition of a nutmeg juice on the side adds an aromatic twist to the meal. A Chance to Dine in Style For those looking to elevate their dining experience, George Town doesn't disappoint. Restaurant Au Jardin, renowned for its Michelin star, reinvents local ingredients into modern masterpieces, while Communal Table by Gen captivates diners with dishes that blend heritage and innovative flair. These establishments not only provide exquisite dining options but also reflect George Town's culinary evolution amid the backdrop of historical significance. Cocktails and Nightlife: The City’s Vibrant Liquid Scene As the sun sets, George Town transforms, unveiling a vibrant bar scene. Backdoor Bodega, a speakeasy-style bar, has gone from a hidden gem behind a clothing shop to a celebrated destination, earning accolades for its exemplary cocktail menu. Locals and visitors alike gather here not just for the drinks but to soak in the lively atmosphere that exemplifies the spirit of modern George Town. A Flavorful Description of Community The heart of George Town lies in its neighborhood eateries and hidden food spots, each telling a unique story through its offerings. The community’s dynamic interactions over a shared meal foster connections that extend beyond mere transactions. There’s an emotional richness in sharing traditional dishes celebrated by families for generations, preserving a cultural legacy that adds depth to the dining experience. Conclusion: Why George Town Should Be Your Next Culinary Destination From humble hawker stalls to Michelin-starred restaurants, George Town serves as a reminder that food is more than sustenance; it is a vehicle of culture, heritage, and community interaction. Each culinary experience encapsulates the diverse stories and histories that shape this remarkable city. So, pack your bags, bring your appetite, and lose yourself in the delectable world of George Town’s cuisine—your taste buds will thank you.

02.24.2026

Exploring Berlin's Cemetery Cafes: Where Life Meets Death Over Coffee

Update The Rise of Cemetery Cafes in Berlin: Embracing Life Among the Dead In Berlin, a captivating trend has emerged—cemetery cafes are redefining the concept of community spaces, intertwining life and death in a culturally enriching way. These unique establishments, like Café Finovo, Café Lisbeth, and Café Friedberg, offer a serene escape amid the city's bustling life, inviting guests to share stories, laughter, and good food in the company of the dearly departed. From Mourning to Mirth: A Historical Perspective The origins of such cafes can be traced back to around 2006, when actor and activist Bernd Bossmann opened the first in the historic Old St Matthäus Churchyard. Bossmann aimed to create a space for reflection and joy, honoring his friends who had succumbed to the AIDS crisis. Instead of viewing these locations as morbid, he envisioned them as vibrant hubs for the living, a notion that has gained traction and expanded throughout the city, with several cafes now flourishing within cemetery grounds. Green Oases of Calm: The Unique Atmosphere of Berlin's Cemeteries Unlike many cities where cemeteries sit on the outskirts, Berlin's graveyards are deeply integrated into its urban layout. With over 200 cemeteries acting as peaceful sanctuaries, locals frequently visit these green spaces. Patrons enjoy activities like board games and tarot readings against a backdrop of nature and historical gravestones. Why People Are Drawn to Cemetery Cafes The appeal of these cafes transcends conventional dining experiences. They serve as islands of tranquility amidst busy urban living, allowing individuals to connect with both community and nature in an unconventional setting. Instead of a reminder of loss, for many, visiting these cafes becomes a celebration of life, fostering conversations about love and remembrance. Exploring Various Offerings: What You Can Find Each cemetery cafe boasts its own identity, offering diverse culinary delights. For instance, at Café Friedberg, guests can indulge in lemon mousse cakes or satisfy their curiosity with matcha lattes while overlooking historical tombstones. Nonna Café tempts visitors with Czech cuisine, while Café Lisbeth provides an artful atmosphere, hosting workshops and exhibitions that delve into themes of life and death. Cultural Shifts: A Changing Relationship with Death Interestingly, these cafes represent more than just dining spots; they embody a significant cultural evolution in how society perceives death. As cremations rise and traditional burial practices change, cemetery cafes offer a new way to embrace and engage with mortality, promoting a dialogue that encourages empathy and community support among patrons. The Emotional Connection: How Cemetery Cafes Facilitate Healing For many, these spaces serve as more than just places to eat; they become essential for grieving and healing. Community members often gather here not only to enjoy food but also to support each other following losses. Guests frequently see a blend of mourners and casual diners, creating an environment that nurtures understanding and shared experiences. Conclusion: Engaging with Life in Death's Presence In a city marked by its rich history and evolving cultural landscape, cemetery cafes in Berlin encourage a refreshing perspective on life. They invite patrons to honor memories while living fully, forging connections in spaces that dwell at the intersections of joy and sorrow. As this trend flourishes, it exemplifies the beautiful complexity of human emotions and the significance of community in navigating life's most profound experiences.

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Discover the Thrill of Spring Racing at Oaklawn Now

Did you know? Oaklawn Park draws more than 50,000 racing enthusiasts each spring, transforming Hot Springs, Arkansas into one of the country’s most exhilarating seasonal hubs for thoroughbred horse racing. If you’re searching for a racing getaway that combines tradition, excitement, and unforgettable entertainment, spring racing at Oaklawn is your ticket to an unparalleled experience. Unveiling Spring Racing at Oaklawn: A Hot Springs Tradition Spring racing at Oaklawn Park is more than a day at the races—it’s a centerpiece of Hot Springs culture and one of Arkansas’s most celebrated traditions. Each year, the historic grandstands fill with anticipation as locals and travelers gather to witness world-class thoroughbred horse racing. Race day at Oaklawn blends Southern hospitality with electrifying action, making it a must-see event for fans and newcomers alike. The racing season is marked by signature events on the racing calendar, with race dates that attract leading owners and trainers from around the nation. Whether you’re donning an Oaklawn cap in the stands or boarding a racing getaway in Arkansas for the first time, you’ll discover that Oaklawn Park delivers heart-pounding moments and a festive atmosphere that defines each spring in Hot Springs. From the roar of the crowd as the thoroughbreds thunder down the stretch to the energy of post-race celebrations, every aspect of spring racing at Oaklawn Park cultivates a sense of community, excitement, and tradition. The stakes schedule is packed with some of the sport’s premier events, such as the Arkansas Derby and the Oaklawn Handicap, making it a highlight of the broader racing schedule. If you’ve ever wondered what it feels like to be part of the action—either as a passionate fan or a casual visitor—there is no better time to experience live racing in Hot Springs than during the vibrant spring racing season at Oaklawn Park. "Did you know that Oaklawn Park hosts over 50,000 racing enthusiasts each spring, making it one of the most vibrant seasonal events in Hot Springs?" What You'll Learn About Spring Racing at Oaklawn The best times to visit Oaklawn Park during spring racing season Key highlights of the racing calendar and stakes schedule Why Hot Springs is a must-visit destination for racing fans Insider tips for planning your Oaklawn experience Embrace the Excitement: Why Spring Racing at Oaklawn Park Is Unmissable Spring racing at Oaklawn Park isn’t just a sporting event—it's a signature Hot Springs celebration, rivaled by few throughout the region. Picture yourself among the lively crowds, cheering for your favorites as thoroughbreds dash toward the finish line, all while surrounded by the cheerful buzz of locals and guests. The energy is infectious, with each race day offering unexpected turns, close finishes, and opportunities to make new memories. From cap giveaways and allowance races to the coveted Arkansas Derby, every moment feels like a celebration. Oaklawn Park delivers live racing excitement for both seasoned horse racing aficionados and first-time attendees, making every race day feel extraordinary. Visiting Hot Springs during the spring racing season means tapping into generations of tradition and local pride. The mainline sports bar hums with anticipation, and the entire city seems to revolve around the racing calendar. The blend of historical charm, modern amenities, and top-tier stakes schedule transforms every Oaklawn race day into a festival. There’s nothing quite like sipping a cool drink in the grandstand or catching a thrilling photo finish at the wire—the kind of experience that earns Oaklawn Park a spot on every racing getaway bucket list. If you’re interested in exploring more of Arkansas’s vibrant sporting culture, you might enjoy learning about how Bentonville has become renowned as the mountain bike capital of the world, offering a different kind of adrenaline-fueled adventure for visitors and locals alike. Discover why Bentonville is known for its world-class cycling culture and see how the region’s passion for outdoor excitement extends beyond the racetrack. Oaklawn Park Racing Calendar & Stakes Schedule: Plan Your Visit The Oaklawn Park racing calendar is central to any racing getaway in Arkansas, packed with thrilling race days and can't-miss stakes events. Planning your visit around the stakes schedule ensures you'll witness the most competitive and prestigious contests of the season. From the Rebel Stakes to the Arkansas Derby, each highlighted date represents the pinnacle of live racing in Hot Springs. Here's a quick look at the major spring events: Racing Calendar and Major Stakes Schedule for Oaklawn Spring Season Date Featured Race Stakes Schedule March 15 Rebel Stakes Yes April 6 Arkansas Derby Yes April 20 Oaklawn Handicap Yes Scheduling your trip to coincide with these major race dates ensures you'll catch some of the most highly anticipated action of the spring racing season. For devoted horse racing fans, these events are a dream come true—delivering the chance to see top-class thoroughbreds, owners, trainers, and the vibrant fan community that makes Oaklawn Park legendary. Experience Live Racing in Vibrant Hot Springs Each race day at Oaklawn Park is a reason to visit Hot Springs, offering a groundswell of energy that radiates out to the entire city. Live racing stands as the epicenter of springtime entertainment, blending the heart-pounding suspense of the races with a thriving social scene. Visitors of all ages delight in the sights and sounds, from the thunderous stretch runs to the playful conversations echoing in the stands. The Mainline Sports Bar buzzes with excitement, offering a cozy perch for catching up with friends while tracking the action. Cap giveaways and themed race days add extra fun to the mix, ensuring that each visit feels unique and engaging. It’s not uncommon for guests to become lifelong fans after a single afternoon spent cheering at Oaklawn Park. Beyond the thrill of live horse racing, Hot Springs provides a wealth of opportunities to enhance your stay. As you plan your racing getaway in Arkansas, be sure to allocate time for the local attractions that make this city such a beloved destination. From historic bathhouses to bustling entertainment districts, Hot Springs ensures your racing adventure is as memorable off the track as it is trackside. Things to Do: Visit Hot Springs Beyond Oaklawn Park Hot Springs, Arkansas offers a delightful blend of attractions that perfectly complement your racing getaway at Oaklawn Park. Known for its unique thermal waters, stunning landscapes, and historic charm, the city invites visitors to immerse themselves in a rich tapestry of culture, outdoor adventure, and relaxation. While the thoroughbred racing action is a highlight, exploring the sights and sounds of Hot Springs ensures you create a truly well-rounded and memorable experience. Stroll historic Bathhouse Row Explore hiking trails in Hot Springs National Park Savor local dining and entertainment A post-race walk along Bathhouse Row lets you soak up the city’s storied history and vintage architecture, while nearby trails at Hot Springs National Park provide an invigorating outdoor diversion. For those looking to extend the excitement, the city’s dining scene offers everything from classic Southern fare to upscale eats, perfect for celebrating a big win or capping off a busy day of sightseeing. There’s even more to discover in the lively shops, live music venues, and artisan markets—making every night in Hot Springs as exhilarating as a heart-stopping race day at Oaklawn Park. Plan Your Trip: Visitor's Guide to Spring Racing at Oaklawn and Hot Springs To make the most of your spring racing getaway at Oaklawn Park, a little advance preparation goes a long way. The stakes schedule is packed with high-profile races, and Hot Springs’ vibrant hospitality scene means accommodations and event experiences are in high demand. Keep these steps in mind as you plan your unforgettable day at the races and extended stay in the heart of Arkansas: Check the Oaklawn Park racing calendar in advance Book accommodations in Hot Springs early Review stakes schedule for can't-miss races Arrange transportation to Oaklawn Park Explore local attractions to enhance your stay Booking your room ahead of time ensures you secure the best Hot Springs hotel or resort for your group—many options feature easy access to Oaklawn Park, so you’ll be right in the action on race day. Also, don’t forget to check for special events like the Oaklawn cap giveaway or post-race entertainment, which can add another layer of excitement to your itinerary. Whether you’re a first-time visitor or planning your next annual trip, following this visitor’s guide will help you maximize your enjoyment and truly experience everything that makes spring racing at Oaklawn a bucket-list event. People Also Ask About Spring Racing at Oaklawn What is the racing season at Oaklawn? Answer: The racing season at Oaklawn stretches from late winter through early spring, typically from late January to early May, featuring a full calendar of thrilling thoroughbred events in Hot Springs, Arkansas. What time do the horse races start in Hot Springs, AR? Answer: Live races at Oaklawn Park generally start in the early to mid-afternoon, with post times most commonly set between 12:00 p.m. and 1:30 p.m. during the spring season. What is the 80 20 rule in horse racing? Answer: In the context of horse racing, the 80/20 rule suggests that roughly 80% of race winnings come from 20% of the horses or bets placed, emphasizing the importance of strategic wagering—an element of excitement at Oaklawn Park's live spring races. What time do the Oaklawn races start in 2025? Answer: While Oaklawn Park has not yet finalized the exact post times for 2025, races traditionally begin between 12:00 p.m. and 1:30 p.m. Be sure to check the official racing calendar closer to your visit. Key Takeaways from Spring Racing at Oaklawn in Hot Springs Oaklawn Park’s spring racing is a celebrated Hot Springs event Plenty of activities and attractions complement the racing experience Planning ahead ensures the best possible visit Frequently Asked Questions about Spring Racing at Oaklawn How can I buy tickets for Oaklawn Park spring races? Are there family-friendly activities at Oaklawn? What safety measures are in place for visitors? Is spring racing at Oaklawn suitable for first-time attendees? Don't Miss Out – Plan Your Spring Racing at Oaklawn Adventure Spring racing at Oaklawn Park is more than a sporting event—it’s a Hot Springs celebration of tradition, excitement, and unforgettable moments. "Spring racing at Oaklawn Park is more than a sporting event—it’s a Hot Springs celebration of tradition, excitement, and unforgettable moments." Watch: Ready to Witness the Thrill? Visit our website for more details https://nwarbuzz.com/events/ Make memories this spring—plan your racing getaway in Hot Springs, book early, and embrace the electrifying spirit of live racing at Oaklawn Park. If you’re inspired by the energy and tradition of Oaklawn’s spring racing, consider broadening your adventure by exploring other unique sporting destinations across Arkansas. From the pulse-pounding excitement of the racetrack to the world-class mountain biking trails in Bentonville, the state offers a diverse array of experiences for every type of enthusiast. Whether you’re seeking the camaraderie of race day or the thrill of outdoor exploration, Arkansas is a playground for those who crave memorable moments. For a deeper dive into the region’s dynamic cycling scene and to discover why Bentonville is celebrated as the mountain bike capital of the world, explore the story behind Bentonville’s cycling culture and unlock even more ways to make your next getaway unforgettable. Oaklawn Park Racing Calendar Hot Springs Arkansas Visitor Guide Arkansas Derby Day: Inside Track at Oaklawn TripAdvisor: Things to Do in Hot Springs

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