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.

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.

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.