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Do you know your 5/24 status?

And how this status matters more than almost anything else.

Rachel Lipson | The Point's avatar
Rachel Lipson | The Point
Oct 22, 2025
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The 5/24 Rule

There are a lot of rules in the points world. And many of them aren’t advertised or listed anywhere! Which makes figuring out how all of this works, pretty confusing.

Today we’re going to talk about the one rule that matters more than pretty much any other rule in the points world!

This is the one rule that many people unknowingly break which can cost them a fortune in points.

How did I spend a week in Costa Rica on a trip that would have cost well over $12K for my family of 4?

By focusing on the 5/24 rule!

How did I fly business class home from Milan on the Emirates A380 double-decker airplane with a bar on board for less than the price of economy?

By focusing on the 5/24 rule!

How did I stay at a bunch of 5 star hotels this year for $0? (not bragging just telling you what’s possible!)

…yep, the 5/24 rule.

I was a big fan of Costa Rica! Here’s the swimsuit (low stock - snatch it up!), the sunglasses.

Everyone has a 5/24 status even if you have no idea what it is… or know that it exists.

Here are the ins and outs of what it is and how to follow it to earn significant points.

This post includes:

  • What 5/24 is (and the bank we’re talking about!)

  • How to calculate your 5/24 status

  • Why these points matter

  • Which cards count and which cards don’t!

  • Whether or not it’s a good idea to be an authorized user on your partner’s card

  • (etc!)

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