Amazon Amex Business Card Application

Anonymous · ‎03-02-2020

Hey everyone,

During the last week of Decemeber I applied and was approved for an Amex Platnium card by Charles Schwab (personal card) as well as an Amex Business Gold Card (applied using my SSN). I know that Amex has a 2/90 rule and I've read that that only applies to credit cards not their charge cards.

With that being said, I'm planning to appy for the Amex Amazon Business card using an EIN (haven't applied for any cards using this EIN yet) and I want to see if anyone can confirm that I won't be auto denied for the card becuase of the 2/90 rule. Any advice you all could provide me with would be awesome!

As a note, the two Amex cards I got back in Decemeber were the first cards I established with Amex meaning my relationship with them is about 2 months old.

Anonymous · ‎03-02-2020

I believe Business cards are an exception and don't count toward the 2/90 since the two cards you were approved for are personal. Hopefully someone can confirm that. Good luck on your application!

Anonymous · ‎03-02-2020

The 5 card Credit card rule is for business and personal cards. You can only have 5 credit cards. Charge cards DO NOT count towards that number as they are Charge cards. You can have however many charge cards but only 5 credit cards no matter if its a business or personal mix. Have some folks gotten away with 6 or 7 cards.......Sure. Are the odds in your favor of that happening....NO. So select the credit cards that you can get benefit from wisely.

Anonymous · ‎03-02-2020

Also I got approved for 3 Charge cards all within a 3 week time period and 1 Credit card. So that's proof that you can apply for however many charge cards.

Anonymous · ‎03-02-2020

2/90 applies to having both business and personal. If you try to aplly for third one in less than 90 days it will automatically cancel your application

FinStar · ‎03-02-2020

@Anonymous wrote:
The 5 card Credit card rule is for business and personal cards. You can only have 5 credit cards. Charge cards DO NOT count towards that number as they are Charge cards. You can have however many charge cards but only 5 credit cards no matter if its a business or personal mix. Have some folks gotten away with 6 or 7 cards.......Sure. Are the odds in your favor of that happening....NO. So select the credit cards that you can get benefit from wisely.

Just a slight correction here @Anonymous so there's no misinformation.

The majority of individuals may likely only be approved for 5 revolvers whether that's a combination of personal or business CCs. That said, I have 11 AmEx revolvers with both variants. So there really isn't an explicit rule or official guidance by AmEx National Bank on the said number so it really isn't about an individual "getting away" with being approved for X number of revolvers.

AmEx will approve beyond the known 5 as shared by various sources, but it's all profile-dependent.

FinStar · ‎03-02-2020

@Anonymous wrote:
I believe Business cards are an exception and don't count toward the 2/90 since the two cards you were approved for are personal. Hopefully someone can confirm that. Good luck on your application!

As mentioned upthread, the 2/90 applies to both business and personal revolvers. But, there's been instances where the latter has been possible to override.

Anonymous · ‎03-03-2020

@Finstar....Gotcha!

alexgold9393 · ‎03-05-2020

Follow up question, will there be a HP for the amex amazon business card for current amex (personal) customers? I'm interested in this card and it would benefit me, however, I can't afford another INQ. Any input is appreciated.

Open Accounts:

11/21 Bank of the West Cash Rewards WEMC - SL $3,000

09/21 American Express Cash Magnet - SL $4,000

08/20 Citi AAdvantage Executive WEMC - SL $4,400 / CRL $6,400

09/20 Citi AAdvantage Platinum Select WEMC - SL $3,500

07/20 Apple Card - SL $1,000 / CRL $5,000

05/20 Macys American Express Platinum - SL $500 / CRL $25,000

11/19 Chase Marriot Bonvoy VS - SL $10,500

11/19 PNC Points - SL $1,300 CRL $2,600 (originally BBVA ClearPoints)

10/19 Barclays View Points - SL $800 / CRL $1,200 (originally Uber Visa)

10/19 Bank Of America Cash Rewards - SL $500

07/19 Amex Delta SkyMiles Platinum - SL $1,000 / CRL $9,000

03/17 Discover IT - SL $2,000 / CRL $3,600

05/19 Firestone Store Card - SL $900 / CRL $1,600

05/19 Home Depot Store Card - SL $500 / CRL $800

05/19 Walmart Store Card - SL $200 / CRL $1,800

AU Capital One Quicksilver 06/19 - SL $300

04/18 Capital One Spark - SL $600 / CRL $900

03/21 American Express Business Prime - SL $3,000

06/21 American Express Marriot Bonvoy - SL $3,000

Anonymous · ‎03-05-2020

@alexgold9393 wrote:
Follow up question, will there be a HP for the amex amazon business card for current amex (personal) customers? I'm interested in this card and it would benefit me, however, I can't afford another INQ. Any input is appreciated.

It is possible but not likely.