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Different credit card issuers have different policies on how many cards they’ll approve you for.
American Express’ limits on how many credit cards you can have
In the case of American Express, their policy has historically been that each person can have no more than four charge cards and four credit cards. It doesn’t matter how they’re distributed among personal and business cards, co-brand vs. non co-brand, etc. All that matters is that you have no more than four charge cards, and no more than four credit cards.
In my case, I have four Amex credit cards, as follows:
- Amex EveryDay® Preferred Credit Card
- Starwood Preferred Guest® Credit Card from American Express
- Starwood Preferred Guest® Business Credit Card from American Express
- Hilton HHonors(TM) Card from American Express
Meanwhile at the moment I only have two charge cards:
Having maxed out my four credit card limit with American Express is rather frustrating, as I’d like to apply for the limited time sign-up bonuses on the Delta Amex cards — especially the Gold Delta SkyMiles® Credit Card from American Express and Gold Delta SkyMiles® Business Credit Card from American Express — but all versions of the cards are credit cards rather than charge cards. So in theory I’d have to cancel an Amex credit card before I can apply for another one.
Is Amex’s limits on cards changing?
Million Mile Secrets reports that some people are having luck getting five Amex credit cards recently. The problem is, the data points don’t seem consistent. Some people are easily getting approved for a fifth card, while others are being rejected for a fifth card.
My experience applying for a 5th Amex credit card
After reading that post, I figured I’d give it a try myself, since I’m presently at the four card limit. I decided to apply for the Gold Delta SkyMiles® Business Credit Card from American Express. Upon submitting my application I received a message stating that my application was pending further review.
Minutes later I received a message indicating that I was declined for the card, because I “currently have the maximum number and type of American Express Card accounts” allowed.
I phoned up American Express, and asked if I could cancel the Hilton HHonors(TM) Card from American Express in order to get approved for the Amex Gold Delta SkyMiles Card. The friendly agent transferred me to the customer service number for the Hilton Card, where they quickly canceled my card, and then I was transferred back to the application line, to have my card application analyzed again. They told me it will be a few days, though I suspect I’ll be approved without issue.
Anecdotally it seems Amex is no longer limiting all consumers to just four credit cards, though it doesn’t seem to be consistent, since I was initially denied for my fifth card. I’m not sure whether this limit differs by member, based on the specific cards you have, what your split of business and personal cards is, etc. Regardless, it’s a positive change overall, and hopefully over time we can figure out what triggers being eligible for a fifth credit card from American Express.
Have you had any luck being approved for more than four Amex credit cards?
Non-Affiliate Product Disclaimer: The information for the AmEx Everyday Preferred and Gold Delta Skymiles Business has been collected independently by One Mile At A Time. The card details on this page have not been reviewed or provided by the card issuer.