Which Amex card to close, can you have two Hilton Cards?
Mar 6, 2021, 6:51 am
#1
Original Poster
Join Date: Jan 2010
Programs: AA BA CO DL UA US
Posts: 814
Which Amex card to close, can you have two Hilton Cards?
I have four Amex credit cards (Hilton Surpass, Blue Cash, Delta, Everyday). I would like to close the Blue Cash, so I can get the no annual fee Hilton card, which I never before got a bonus before. I heard max you can only have 4 credit cards with Amex. The problem is this Blue Cash card is the oldest card with Amex and amongst all my credit cards that are currently open. Blue Cash is 22 years old (it was a Cash Rebate originally); next oldest card is Chase Freedom at 8 years old.
Questions:
- Can I still get the no fee Hilton card while having the Hilton Surpass card open?
- Should I try to keep this Blue Cash open due to its age?
Questions:
- Can I still get the no fee Hilton card while having the Hilton Surpass card open?
- Should I try to keep this Blue Cash open due to its age?
Mar 6, 2021, 7:18 am
#3
Join Date: Dec 2015
Posts: 200
You could use a credit score simulator such as https://www.nerdwallet.com/article/f...core-simulator - I would keep the oldest card.
Mar 6, 2021, 1:34 pm
#5
FlyerTalk Evangelist
Join Date: Jul 2008
Location: IAH
Programs: DL DM, Hyatt Ist-iest, Stariott Platinum, Hilton Diamond
Posts: 12,781
As for the OP, longest account is only a portion of your credit score, and even if you close it it will stay on your credit profile for the next 7 or 10 years (I don't remember) just in closed status, so I don't think it's as important as you may think it is.
Mar 7, 2021, 5:45 am
#7
Join Date: Sep 2017
Location: OSH
Programs: SWRR, HH, SM, TSA Pre
Posts: 753
I would just close the BCE if you don't feel it works for you anymore. Any card you close is still going to be on your report for another 10 years, at that point the CF is 18 years old. It is my understanding there really isn't much of a score boost as long as the oldest card is over 5 years and the average is over 2 years.
Mar 7, 2021, 8:08 pm
#9
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,028
