Unofficial: You Can Now Have 5 AMEX Credit Cards at Once!

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Unofficial: You Can Now Have 5 AMEX Credit Cards at Once!

Million Mile SecretsUnofficial: You Can Now Have 5 AMEX Credit Cards at Once!Million Mile Secrets Team

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

Via Reddit, you can now have 5 American Express credit cards open at one time.  

This is great news, because the limit used to be 4 cards.  So folks who already have 4 AMEX credit cards can apply for another one if they want to!

Unofficial You Can Now Have 5 AMEX Credit Cards At Once
You Can Now Have a Total of 5 AMEX Credit Cards Open at Any Given Time!

Here’s more about this news.

Increased Limit to the Number of AMEX Credit Cards You Can Have

In the past, you were only allowed to have 4 AMEX cards at a time.  But now the limit is 5 cards!

A number of folks on Reddit have reported being approved for a 5th credit card from American Express.

The policy isn’t in writing, and I haven’t confirmed this new rule yet myself.  But this could be great news if you’re looking to add an AMEX card like one of the Delta cards with limited-time increased sign-up bonuses.

And don’t forget, AMEX small business cards do NOT appear on your personal credit report.  So they will not break Chase’s stricter approval rules!

That is, if you’ve opened ~5 or more credit card accounts (from any bank) on your personal credit report in the past 24 months, it’s unlikely Chase will approve you for many of their credit cards.

Note:  There’s NO limit on the number of American Express charge cards you can have.  But American Express only allows folks to get the sign-up bonus ONCE per person, per lifetime on ALL their cards.

Will this change to American Express’ policy help you?  Let me know if you’ve been able to get a 5th AMEX credit card!

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Robert Hanson

That’s great to know, I only have 3 open AMEX charge cards and am planning to get the increased bonus Delta personal card. Yet if I’m going to use those Delta points, my wife needs to have them too. But she has 4 AMEX charge cards open, and wants to keep all of them. So that was a problem, which has just gone away. 🙂

Welcome to American Express Live Chat! The next available Customer Care Professional will be with you shortly.

For quality assurance, this chat may be recorded and monitored. For your security, please click “END CHAT X” to close this chat window before leaving your computer unattended or when chat is complete.

Thank you for contacting American Express. My name is Tamara J. How may I assist you with your new Card application today?

you: Hi Tamara

you: i already have 4 amex credit cards ..can I apply for one more credit card ?

Tamara J: Nice to meet you.

you: same here …

Tamara J: I would like to thank you for your membership. We certainly appreciate your business.

Tamara J: Allow me one moment to check to see how many cards that you can have personally.

you: ok sure

Tamara J: Thank you for your patience.

Tamara J: Thank you for patiently waiting. You are able to carry five lending cards.

you: ok great .. Thank You so much

Tamara J: If you need more cards. You may wish to speak with our Customer Service Online department by logging into your personal account and click chat with us or by dialing 1-800-528-4800 and a representative may assist you. Upon calling to skip the formalities click the 0 button three times and this will get you right over.

Tamara J: You’re very welcome.

you: ok

Hi Daraius, I do have 5 AMEX credit cards and 1 charge card. Last one approved was Starwood Business credit card in April 2016. I am planning to get a Delta Business Gold or Business Platinum ? Shall I cancel one credit card first before applying ? Or wait until AMEX tell me to cancel one after I apply ?

Thanks !

Daraius, is it possible to be approved for both an Amex charge card (i.e. Platinum) and Amex personal card on the same day?

I was approved for my 5th Amex credit card, a Delta Gold, back in March. I have Old Blue, Costco, EDP, Surpass, and Delta Gold. Costco is going away so I’m waiting for an opportunity on the SPG.

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