How Many AMEX Cards Can You Have at 1 Time?

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How Many AMEX Cards Can You Have at 1 Time?

Million Mile SecretsHow Many AMEX Cards Can You Have at 1 Time?Million Mile Secrets Team

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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.

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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This is not the case any longer. I have 5 Credit cards and one charge with Amex. Total CL’s is 45K

Carlos Hernandez


Does authorized user card count in the limit? Or just count the primary card holder’s cards?


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?

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.

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