How Many AMEX Cards Can You Have at 1 Time?

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Because the AMEX SimplyCash business card has a limited time offer $250 sign-up bonus, readers have asked me how many AMEX cards a person could have at 1 time.

How Many AMEX Cards Can You Have At 1 Time

Are 4 AMEX Cards the Most You Can Have at 1 Time?

According to this thread on Flyertalk, 4 American Express credit cards are the most you can have.  And this includes personal and business cards.  The important distinction is that the limit of 4 cards is limited to CREDIT cards, and NOT CHARGE cards.

So if you have the American Express Hilton card, the Gold Delta Skymiles card (business), and both the American Express Starwood card (personal) and the American Express Starwood card (business), you can NOT get any more American Express credit cards.

Note:  There is no limit on the number of American Express charge cards you can have.

Credit Cards vs Charge Cards

A credit card, like the AMEX SimplyCash card, has a fixed spending limit.  This means you can only spend up to your credit card limit each month.  However, you can stretch your payments out over time (not recommended because you’ll pay interest).

Whereas a charge card has no fixed spending limit.  But you have pay balance in full each month, which you should always do to avoid interest charges.

Here are some examples of American Express credit cards and charge cards.

American Express
Credit Cards
AMEX EveryDay® Credit Card from American Express
SimplyCash® Business Card from American Express
The Blue for Business® Credit Card from American Express
Blue Cash Everyday® Card from American Express
Blue Cash Preferred® Card from American Express
Delta Reserve Credit Card from American Express
Gold Delta SkyMiles® Credit Card from American Express
Hilton HHonors™ Card from American Express
Hilton HHonors™ Surpass® Card from American Express
The Plum Card® from American Express OPEN
Starwood Preferred Guest® Credit Card from American Express
Starwood Preferred Guest® Business Credit Card from American Express
American Express Charge Cards
The Business Gold Rewards Card From American Express OPEN
Premier Rewards Gold Card from American Express
American Express Mercedes-Benz Platinum
The Platinum Card® from American Express
The Enhanced Business Platinum Card® from American Express

Bottom Line

You can only have 4 American Express credit cards at 1 time.  But you can have more than 4 American Express cards IF you have a combination of both credit cards and charge cards.

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14 responses to “How Many AMEX Cards Can You Have at 1 Time?

  1. After recently apply for a new promotion, I found that the 4 “credit card” rule is correct. I had to cancel two other cards in order to get the Delta Card Promotion on personal and business. I still have a business “charge” card and a personal “charge” card. Word of advice…if you are at max on cards issued, make sure you cancel another unneeded card at least a week prior to applying for a new card.

  2. “a charge card has no fixed spending limit. But you have pay balance in full each month, which you should always do to avoid interest charges.”

    Is it the statement balance that has to be paid or the FULL current balance?

  3. I have a BOA card issued by Amex or would it be an Amex card issued by BOA? Anyway, would that card count toward my 4? And I’m assuming Bluebird and Serve don’t count.

  4. @steph unless it’s directly issued by American Express, it will not count towards the 4 count limit. So you are OK keeping the BoA card.

    That’s correct. Bluebird and Serve shouldn’t be counted towards that limit either.

  5. Do authorized user cards count toward the 4 card limit? I am an authorized user on my husband’s account, and my card shows up under my Amex login.

  6. I have 8 credit cards and 2 charge cards so the 4 card rule must be something new? I know the last time I applied for an Amex card they turned me down saying I reached the limit of 10 cards. This was back in February 2014.

  7. How often can you apply for an AMEX card?

  8. I have 7 credit cards (Hilton, JetBlue, SPG, SPG business, SimplyCash Business, Delta, Delta Business) AND 2 charge cards (Premier, Platinum)

  9. Does anyone know if you have a separate FEIN – does the separate identifier for the business circumvent the 4-card-max rule?

  10. It must be case by case or only certain cards. I have five credit cards (skymiles plat personal and biz, delta reserve, spg, and penfed). Maybe penfed doesn’t count toward the limit or something?

  11. Having a max of 4 credit cards from American Express Open is not true. I know people who have more than 9-12 American Express Open credit cards (more than 4+ personal and 4+ business cards) these are non-charge American Express Credit cards (non-Bank issued American Express credit cards directly from American Express Open).

    I also called American Express Open and the representative said there is a limit to how many cards you can have through American Express Open, but it all depends on each individual financial situation. So to give a blanket statement that you can only have 4 non-charge credit cards from American Express Open is a misleading statement.

  12. When I say how often can you apply for a new AMEX, I know AMEX generally allows one card bonus per liftime, I mean how often like a new card every 3-4 months, or 6 months?

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