Could I have 2 of the same Amex card?

[QuantumCredit]

I was recently thinking about my Amex BCP's $6,000 @ 6% limit and an idea popped into my head that is as simple as it probably is stupid and I'd never even considered this before, but... Couldn't I simply apply for a second BCP and just have 2, effectively doubling my $6,000 limit? I'm sure Amex would not be thrilled that I have 2 of the same card and will likely either merge them or deny me a second one outright and even if they do let it pass initially they will take action once they see I am spending more than 6K on groceries between the two cards, but I just thought I'd ask you guys - what are the odds of them approving me for a second BCP? Is it an automatic denial or is it possible, but will raise a lot of red flags? My EQ is 780.

Thanks.

[enharu]

The odds are none. To my knowledge rarely ever will banks give u two of the same cards. U could try blue sky though...

Why not just pay in full twice each month?

[enharu]

To add: if you can register the 2nd card as a business card with the 1st being a personal, you have a shot at it

[Anonymous]

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@enharu wrote:
The odds are none. To my knowledge rarely ever will banks give u two of the same cards. U could try blue sky though...

Why not just pay in full twice each month?

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He's wanting to maximize the 6% back at grocery stores, Amex caps it at 6k a year then it drops to 1%.

Are you married? if so could you have your wife app for the BCP?

[mirachi]

Or what about BCE? Granted you'll only be getting 3% back but that's still better than 1! (and aren't they technically different cards? )

[enharu]

Yea I understand it might be for the rewards, but Amex has the caps in place because past a certain point it starts to break even or even starts losing money for them.

If they were okay with 1 person 2 same cards, they would have just made it as "12k limit per person per annum."

Easiest way would be for your wife to apply, or for you to apply as a Business.

[HiLine]

Perhaps if you already have a card that's being phased out, you can request a product change to a card of your choosing. Otherwise I don't think there's a way.

[QuantumCredit]

Thanks guys for confirming my suspicion. I'm not married and I don't think it's worth jeopardizing my relationship with Amex to try the business card route (I don't have a business and is a BCP even available for business?)

May be another dumb question, but authorized users don't get their own 6K limit right? It counts toward my own?

[HiLine]

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@QuantumCredit wrote:

Thanks guys for confirming my suspicion. I'm not married and I don't think it's worth jeopardizing my relationship with Amex to try the business card route (I don't have a business and is a BCP even available for business?)

May be another dumb question, but authorized users don't get their own 6K limit right? It counts toward my own?

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Confirmed. However many authorized users there are, it's still one account.

[webhopper]

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@HiLine wrote:

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@QuantumCredit wrote:

Thanks guys for confirming my suspicion. I'm not married and I don't think it's worth jeopardizing my relationship with Amex to try the business card route (I don't have a business and is a BCP even available for business?)

May be another dumb question, but authorized users don't get their own 6K limit right? It counts toward my own?

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Confirmed. However many authorized users there are, it's still one account.

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They don't make BCP for business