Current Amex rules about card caps?

[wasCB14]

My Amex cards:

1 personal charge card

3 personal revolvers

1 small business revolver

What are Amex's current rules about a limit on the number of cards? Are they fairly consistent or very YMMV?

I may get a Delta card in the future (personal or business, either is possible), and if there's a good chance the app would be rejected due to my having too many cards, I might close my BCE in advance.

[sdsoccerdad]

Not sure what the max is but I tried to get another biz card and they said I was at my limit.  Check my sig for the cards i have.

[simplynoir]

The only true "hard cap" I'm aware of is the 5 card limit with regards to their regular credit card on the revolver side. Charge cards still aren't counted towards that limit at so you could conceivably get all 6 (?) charge cards and still have room to get 5 other cards that you wanted. Supposedly there were reports of people being able to get that ellusive 6th credit card with datapoints on reddit so take that as you will.

[simplynoir]

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@sdsoccerdad wrote:

Not sure what the max is but I tried to get another biz card and they said I was at my limit.  Check my sig for the cards i have.

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You were at the 5 card revolver limit with the two Hiltons, SPG, Delta, and ED.

[Caught750]

I believe it's 5 or 6 revolvers depending on profile (person and business counted together) and unlimited charge cards (suitable profile of course)

[CGeorge]

I just activated my sixth AMEX card today:

• Green Card (recently voluntarily downgraded from Premier Rewards Gold)
• Hilton Honors
• Blue Cash Preferred (I love getting 6% back on groceries!)
• Amex Everyday
• Gold Delta Skymiles
• Cash Magnet (with 0.00% interest through billing cycle of January, 2020)

And with this latest Cash Magnet - I think that I am set with American Express!

[patoot10]

You can have up to 5 credit cards and any number of charge cards

Thanks,

[Caught750]

5 is a SOFT RULE. There are a number of people here with 6 revolvers that weren't included in the Hilton change over.

[patoot10]

I understand that and I'm part of those people with six revolvers and two charge cards however even if it's not a hard rule I don't think it qualifies for a SOFT rule at best you can say less than 10% of people have bypassed the five revolvers rule. I am just trying to set an expectation for OP. Do you have data points on people with six cards none of them came from Hilton Citi change ?

[wasCB14]

Thanks! So a 5th revolver is quite possible.