Mar 30, 2015, 7:53 am
Last edit by: TravelingZoomer
American Express typically allows USA cardholders to have a maximum of four credit cards, plus an unspecified number of charge cards. Personal and Business cards count against this cap. Some individuals have more credit cards if opened before the cap was instituted. Anecdotal evidence indicates the limit may have been raised to five in early 2016.
Edit: As of May 19, 2020, Amex has confirmed the limit is four lending (credit) cards, and ten charge cards. Source
Centurion, Platinum, Plum, Gold, and Green are charge cards.
American Express issues both charge and credit cards for three co-brand partners:
All others are credit cards. This includes all variants of Everyday, Blue, and many discontinued cards. It includes all co-branded cards currently issued for:
Edit: As of May 19, 2020, Amex has confirmed the limit is four lending (credit) cards, and ten charge cards. Source
Centurion, Platinum, Plum, Gold, and Green are charge cards.
American Express issues both charge and credit cards for three co-brand partners:
- Charles Schwab
- Morgan Stanley
All others are credit cards. This includes all variants of Everyday, Blue, and many discontinued cards. It includes all co-branded cards currently issued for:
- Delta
- Hilton
- Lowes
- Marriott
Amex USA 4 or 5 "Credit" Card Limit.
Oct 31, 2021, 11:13 am
#571
FlyerTalk Evangelist
Join Date: Mar 2010
Programs: DL, OZ, AC, AS, AA, BA, Hilton, Hyatt, Marriott, IHG
Posts: 19,896
Unprofitable even if I pay the AF year after year? Mind as well not even offering a SUB in the first place then. I got nothing to apologize for. I think Chase's approach is better. Just base it off the total amount of CL offered.
Oct 31, 2021, 2:08 pm
#572
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
Oct 31, 2021, 6:54 pm
#573
FlyerTalk Evangelist
Join Date: Mar 2010
Programs: DL, OZ, AC, AS, AA, BA, Hilton, Hyatt, Marriott, IHG
Posts: 19,896
Nov 3, 2021, 12:55 pm
#574
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
Amex counting the Green Card as a credit product?
Nov 3, 2021, 11:22 pm
#575
FlyerTalk Evangelist
Join Date: Dec 2002
Location: Danville, CA, USA;
Programs: UA 1MM, WN CP, Marriott LT Plat, Hilton Gold, IC Plat
Posts: 15,720
)In addition I have:
- AMEX Blue Business Plus: for 2x points on everyday spend
- Amex Hilton Aspire: for free night (may dump)
Would be great if I could reallocate CL from personal to biz but not sure if that is permissible.
I know this question was posed over a decade ago. I think the most obvious answer is that most of us hold multiple cards for the perks and spend (this can vary depending on your travel patterns) plus we need a couple of slots to rotate cards for sign-up bonuses (SUB). I certainly don't plan to keep paying the AFs once I have achieved my objectives, except for a couple. The free nights are diminishing in value thanks to hotel devaluations and the other perks are of little value once you hit lifetime status.
Last edited by Boraxo; Nov 3, 2021 at 11:36 pm
Nov 3, 2021, 11:34 pm
#576
FlyerTalk Evangelist
Join Date: Mar 2010
Programs: DL, OZ, AC, AS, AA, BA, Hilton, Hyatt, Marriott, IHG
Posts: 19,896
I have a similar setup sans Gold (Mrs. B has the Gold and pays for dinner and groceries )
In addition I have:
Would be great if I could reallocate CL from personal to biz but not sure if that is permissible.
)In addition I have:
- AMEX Blue Business Plus: for 2x points on everyday spend
- Amex Hilton Aspire: for free night (may dump)
Would be great if I could reallocate CL from personal to biz but not sure if that is permissible.
Nov 4, 2021, 6:35 am
#577
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
American Express will allow us to transfer credit from a personal account to a business account, but not in the other direction. There isn't much benefit to transferring credit to a Blue Business Plus account, unless it has a very low limit, because it explicitly allows purchases to exceed the revolving limit.
Nov 4, 2021, 6:48 am
#578
Join Date: Aug 2018
Posts: 206
I have a similar setup sans Gold (Mrs. B has the Gold and pays for dinner and groceries )
In addition I have:
Would be great if I could reallocate CL from personal to biz but not sure if that is permissible.
I know this question was posed over a decade ago. I think the most obvious answer is that most of us hold multiple cards for the perks and spend (this can vary depending on your travel patterns) plus we need a couple of slots to rotate cards for sign-up bonuses (SUB). I certainly don't plan to keep paying the AFs once I have achieved my objectives, except for a couple. The free nights are diminishing in value thanks to hotel devaluations and the other perks are of little value once you hit lifetime status.
)In addition I have:
- AMEX Blue Business Plus: for 2x points on everyday spend
- Amex Hilton Aspire: for free night (may dump)
Would be great if I could reallocate CL from personal to biz but not sure if that is permissible.
I know this question was posed over a decade ago. I think the most obvious answer is that most of us hold multiple cards for the perks and spend (this can vary depending on your travel patterns) plus we need a couple of slots to rotate cards for sign-up bonuses (SUB). I certainly don't plan to keep paying the AFs once I have achieved my objectives, except for a couple. The free nights are diminishing in value thanks to hotel devaluations and the other perks are of little value once you hit lifetime status.
Nov 4, 2021, 5:10 pm
#579
FlyerTalk Evangelist
Join Date: Dec 2002
Location: Danville, CA, USA;
Programs: UA 1MM, WN CP, Marriott LT Plat, Hilton Gold, IC Plat
Posts: 15,720
Login to americanexpress.com > Select one of your CREDIT card accounts > Account Services > Payment & Credit Options > Transfer Available Credit to Another Card
American Express will allow us to transfer credit from a personal account to a business account, but not in the other direction. There isn't much benefit to transferring credit to a Blue Business Plus account, unless it has a very low limit, because it explicitly allows purchases to exceed the revolving limit.
American Express will allow us to transfer credit from a personal account to a business account, but not in the other direction. There isn't much benefit to transferring credit to a Blue Business Plus account, unless it has a very low limit, because it explicitly allows purchases to exceed the revolving limit.
I seem to recall making a call last year and being told it was not possible to go personal->business but maybe you have other experience?
Yes, my business accounts both have rather small CLs (given the "projected income") compared to my personal accounts, but BlueBiz+ is my top card for spend as it provides the best ROI for non-bonus everyday spend. Yes, I can exceed the limit but I prefer not to do so regularly.
Nov 4, 2021, 5:20 pm
#580
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
It appears that the cards need to be managed from the same online account. If you have separate personal and Business Usernames you can easily move Blue Business Plus to the personal Username: Account Services > Card Management > Add a card to online management. (You may need to first Remove it from the other Username, I do not remember.)
Sep 28, 2022, 1:45 pm
#581
Join Date: Feb 2010
Location: London / Los Angeles
Programs: Hilton Diamond, IHG Diamond Ambassador, Marriott Platinum, Hyatt Globalist, BA Silver
Posts: 1,631
Is the limit still 4 credit cards per the wiki? I only ask because there are several blog posts on various forums from 2021 and 2022 that say the limit is back up to 5.
Sep 28, 2022, 11:54 pm
#582
FlyerTalk Evangelist
Join Date: Mar 2010
Programs: DL, OZ, AC, AS, AA, BA, Hilton, Hyatt, Marriott, IHG
Posts: 19,896
I have had 5 CCs for a while now. This may be a YMMV kind of thing. If you have a good score and good history with AMEX, it should be fine.
Sep 29, 2022, 11:42 am
#583
Join Date: Jun 2017
Location: SEA/NYC/IAD
Programs: UA 1K, Marriott Titanium, Hyatt Explorist
Posts: 1,921
Does anyone know if Corporate (Green) cards count against the limit? I imagine not, but it does show under my account when I login.
Searching this thread, I see references to it going all the way back to 2010 (?!) but nothing really definitive recently.
Searching this thread, I see references to it going all the way back to 2010 (?!) but nothing really definitive recently.
Sep 29, 2022, 11:49 am
#584
Join Date: Aug 2012
Posts: 6,752
Sep 29, 2022, 5:24 pm
#585
FlyerTalk Evangelist
Join Date: Mar 2010
Programs: DL, OZ, AC, AS, AA, BA, Hilton, Hyatt, Marriott, IHG
Posts: 19,896