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I’ve written about the unofficial number of American Express cards you can have at one time. But the official rules have changed!
Now, there’s NO official limit to the number of AMEX credit cards or charge cards you can have at once! But the decision to approve you or not is still ultimately up to the bank.
I’ll explain the details. And help you decide if applying for the highest-ever offer on the AMEX Starwood cards makes sense for you.
Maximum Number of American Express Cards You Can Have
Because of the limited-time increased offer on the AMEX Starwood cards, folks who already have a lot of American Express cards might be wondering if they can qualify for more.
The Official Rules Have Changed
In the past, the total number of American Express credit cards you could have open at one time was 4 to 5. This limit did NOT include American Express charge cards.
But I spoke with multiple American Express representatives who confirmed there is NO limit now. That said, whether you’re approved or not still depends on your credit score, past credit history, and the amount of credit they’ve already given you. And the decision is ultimately up to the bank.
And I confirmed the same news by chatting online with another representative.
AMEX credit cards include cards the AMEX Starwood card, AMEX Gold Delta card, and AMEX Hilton Surpass card. Credit cards have a fixed spending limit (credit limit), and you do NOT have to pay your balance in full every month.
Charge cards, in comparison, do NOT have a fixed spending limit. But you must pay your balance in full every month. AMEX charge cards include The Business Platinum Card® from American Express and AMEX Premier Rewards Gold.
So if you already have 5+ AMEX cards, but have a good credit history, it’s possible to get approved for the limited-time increased offer on the AMEX Starwood cards.
But don’t forget, American Express only allows folks to get the sign-up bonus ONCE per person, per lifetime on ALL their cards, with this possible exception.
Limited-Time AMEX Starwood Offers
With the personal AMEX Starwood card, you’ll earn 20,000 Starwood points after spending $3,000 on purchases within the first 3 months of account opening. And another 15,000 points after spending an additional $2,000 on purchases within the first 6 months of opening your account.
And with the AMEX Starwood small business card, you’ll earn 25,000 Starwood points after spending $5,000 on purchases within the first 3 months of account opening. And 10,000 more Starwood points for spending another $3,000 on purchases within the first 6 months.
The unofficial maximum number of American Express credit cards you could have at once used to be 5. And there was no limit to the number of AMEX charge cards you could have.
But the rules have changed! An American Express representative confirmed that now, there’s NO limit to the number of credit cards OR charge cards you can have at one time.
Will this change to American Express’ policy help you?