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.
Sep 22, 2011, 3:12 pm
#92
Join Date: Aug 2010
Location: ORF
Programs: Amex Plat, AA, BA Silver, Marriott Plat, Choice Gold, HHonors Gold, IHG Diamond
Posts: 3,749
I have both the personal Platinum and personal SPG. Keep in mind that some credit law protection extended to personal cards typically does not apply to business cards. See posts #14 and #15 in this thread for insight: http://www.flyertalk.com/forum/credi...-business.html.
Sep 22, 2011, 7:27 pm
#95
Join Date: Mar 2011
Location: Bay Area
Posts: 186
I thought there was a purchase protection difference?
I don't have my business platinum anymore but I also think that supplemental user costs were different as well. There was a thread about it somewhere.
It might be different now but I do remember there was a purchase protection difference, other than that I don't remember any major difference.
I don't have my business platinum anymore but I also think that supplemental user costs were different as well. There was a thread about it somewhere.
It might be different now but I do remember there was a purchase protection difference, other than that I don't remember any major difference.
Sep 23, 2011, 7:30 am
#96
Join Date: Jul 2010
Programs: AA, DL, SPG, Hyatt
Posts: 313
Also keep in mind with AMEX that there are charge cards (like Green, Gold, PRG, Platinum) that have no spending limits and require full payment within a month of statement closing...and then there are the regular AMEX credit cards (Blue, SPG, Delta Card, JetBlue, Hilton, etc.), which are treated differently.
Many have reported having multiple charge cards, credit cards and both. I have 3 credit cards and a 1 charge card and plan on getting another charge card without problem.
Sep 25, 2011, 7:18 am
#97
Join Date: Aug 2009
Location: RDU
Programs: A few
Posts: 5,499
I now have FIVE personal Amex cards.
Two charge cards: Premier Rewards Gold, Mercedes-Benz Platinum
Three credit cards: Blue Cashback, SPG, Delta Platinum
I also have one business card.... that collection will grow with all good offers
I plan to try and expand the personal collection with Hilton cards too so will see how far this can be pushed...
Two charge cards: Premier Rewards Gold, Mercedes-Benz Platinum
Three credit cards: Blue Cashback, SPG, Delta Platinum
I also have one business card.... that collection will grow with all good offers
I plan to try and expand the personal collection with Hilton cards too so will see how far this can be pushed...
Oct 2, 2011, 7:44 pm
#98
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,957
Moderator action
Money card's question about choosing a card to replace American Express Green has been transplanted to it's own thread:
http://www.flyertalk.com/forum/ameri...reen-card.html
http://www.flyertalk.com/forum/ameri...reen-card.html
Oct 7, 2011, 12:28 pm
#100
Join Date: Jul 2003
Location: CT/ Germany - Ich spreche deutsch
Programs: UA 1K, Bonvoy LTTE, HH Dia, HY Expl
Posts: 4,657
Oct 7, 2011, 7:30 pm
#101
Join Date: Jul 2011
Location: Los Angeles
Programs: Delta Kryptonium-Platinum Medallion, Hyatt/Hilton Diamond
Posts: 365
Currently have:
Amex Platinum
Amex Premier Rewards Gold Card
Amex Delta Platinum
Amex HHonors
Just cancelled Delta Amex Gold and thinking of upgrading my Delta Platinum Amex for the DL Reserve to get the 10k MQMs..
Amex Platinum
Amex Premier Rewards Gold Card
Amex Delta Platinum
Amex HHonors
Just cancelled Delta Amex Gold and thinking of upgrading my Delta Platinum Amex for the DL Reserve to get the 10k MQMs..
Oct 8, 2011, 5:31 am
#102
Join Date: May 2011
Location: ORD
Programs: AA LTG, Marriott LTP. 50% Delta LTS, Working on Hyatt LTD
Posts: 676
Amex is on top of the untrustworthy pile at the moment.
Nov 3, 2011, 7:15 am
#104
Join Date: Oct 2008
Location: MCI
Programs: Mega Bus Plaid; Southwest Airlines Ruby and Bates Motel Platinum
Posts: 246
How many AMEX cards can you have
I am a currently hold 2 AMEX cards (SPG and AA), but I am tempted by the AMEX Premier bonus today, plus was also interested in the AMEX Platinum and HHonors Surpass. Is there a limit to how many cards AMEX will let you have? Granted, the current 2 are not AMEX MR rewards cards, but I also don't want to run afoul with AMEX. I would appreciate any insight anyone may have. Thanks.
Nov 3, 2011, 7:32 am
#105
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,957
Moderator action
muflyer's question has been moved into the established thread on this topic. A review of the preceding posts should prove useful.