The Points Mom

American Express Cards-How Many Can I Have?

 

For those of you, like me, who love American Express (I have been a member since 1988!) and often apply for their cards, know that American Express will likely not allow you to have more than five (I heard they changed to 4) CREDIT cards inclusive of BUSINESS AND PERSONAL cards at one time. (I added likely because some have reported being approved for more than 5 cards). So, you may need to cancel a card that you do not use often and/or is doing nothing to further your accumulation of rewards if you want a another Amex card.  I had to do this when I applied for my American Express Blue Business Plus Credit Card.

Note that this 5 card rule only applies to credit cards, American Express charge cards do not count in the 5 card tally.  You can learn about the difference between charge cards and credit cards here.

In addition, the 5 card limit does not include American Express cards in which you are only an authorized user.

However, the rule is somewhat subjective as currently (10/14/18), Rob has 6 Amex cards.

Remember, if you need to cancel a card to keep you at 5 or under, YOU NEVER WANT TO CANCEL A CARD WITHOUT MOVING YOUR CREDIT LINE IF YOU CAN!