Do You Have Too Many AMEX Cards to Qualify for the Starwood Cards?

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Do You Have Too Many AMEX Cards to Qualify for the Starwood Cards?

Million Mile SecretsDo You Have Too Many AMEX Cards to Qualify for the Starwood Cards?Million Mile Secrets Team

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Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers. 

I’ve written about the unofficial number of American Express cards you can have at one time.  But the official rules have changed!

And because lots of folks are interested in the limited-time 35,000 Starwood point sign-up bonus on the personal and small business AMEX Starwood cards, I wanted to tell you about the new guidelines.

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.

Maximum Number Of American Express Cards You Can Have
The Maximum Number of AMEX Cards You Can Have Has Changed for the Better!

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.

Maximum Number Of American Express Cards You Can Have
The AMEX Representative I Chatted With Said They Have Card Members That Have 5+ AMEX Cards

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 OPEN and AMEX Premier Rewards Gold.

Here’s a post about the difference between credit cards and charge cards.

Maximum Number Of American Express Cards You Can Have
Even If You Already Have 5+ AMEX Cards, It’s Still Possible to Be Approved for the Limited-Time Offer on the AMEX Starwood Card. Where You Can Earn Enough Points for a Free Night At the Luxurious Santa Marina, A Luxury Collection Resort in Mykonos, Greece

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.

And if you apply for the business version of the AMEX Starwood card, it will NOT appear on your personal credit report.  So it won’t break Chase’s stricter approval rules!

Limited-Time AMEX Starwood Offers

Link:   Starwood Preferred Guest® Credit Card from American Express

Link:   Starwood Preferred Guest® Business Credit Card from American Express

Through April 5, 2017, you can earn up to 35,000 Starwood points with the personal and small business version of the AMEX Starwood card after meeting tiered minimum spending requirements.

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.

Maximum Number Of American Express Cards You Can Have
If You Earn the Full Sign-Up Bonus on the AMEX Starwood Card and Transfer Your Points to American Airlines, You’ll Have Enough Miles for 2 Round-Trip Coach Tickets Within the US. Like to the Big Apple!

This is an excellent offer.  And because of the Marriott – Starwood merger, we aren’t sure how long this card will last.  So if you’ve been considering it, now is a great time to apply!

Bottom Line

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.

That’s great news!  Especially for folks considering the limited-time increased offer on the personal and small business AMEX Starwood cards.  

Will this change to American Express’ policy help you?

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Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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I confirm I have 7 amex cards 🙂

https://www.reead.com/en

I have a total of 11 card from you met with scratch

The max number of cards (Credit) is still 5. I currently hold 5 CREDIT cards and applied for a 6th CREDIT card and was denied due to “already hold maximum number of cards allowed”. I am sure if I cancelled one of them and re-applied, then I would be able to get it. So whoever MMS talked to at AMEX hasn’t told the rest of the company that there isn’t any limit. 🙂

So where do I stand?

Amex Personal
Platinum
SPG
Hilton

Business
SPG
Gold
Simply Cash
Blue Biz Plus

AU
Everyday Preferred

It is funny to see one well known travel blogger bad mouthing another. I wish more number of actual AMEX credit card owners confirm here if they have more than 5 credit cards (personal & business), not including the charge cards (e.g., platinum and gold cards).

I have 4 credit cards at this time (Blue cash, Hilton Surpass, EDP and Delta Platinum business) and several charge cards (MS platinum, Business platinum, Business gold, personal gold rewards along with personal platinum and MB platinum). I am going to close several charge cards once I receive the bonuses.

I will be applying for Business blue and SPG in two weeks once my 90 days between apps are over and will post my experience here.

I got my 5th card (business blue) last month, but when I also applied for a 6th credit card (SPG), Amex called me and said I have already reached the maximum limit and I had to cancel one card to get the SPG card.

So, 5 maximum credit cards from Amex (not counting the charge cards) is a valid rule.

P

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