American Express was on record stating that there is a limit of 4 credit cards and 10 charge cards per person. These limits count personal and business together.
There are multiple reports of people getting approved for their 11th or even 12th charge card. (1, 2, 3, 4) It’s possible they disbanded the limit altogether or they may be other factors allowing people to bump over the limit a bit.
Separately, the limit of 4 credit cards is also YMMV with most people getting approved for 5 and some reports of even 6.
Amex typically does not hard pull existing cardholders who apply; it can’t hurt to apply for another card and see what happens.
More recent DP: I was also instantly approved for 11th charge card on Dec 31st (NLL Biz Plat targeted RSVP offer via mail)
https://i.imgur.com/j0DX4Yb.jpg Not sure if this rep is correct but thought I would post it
DP: Just instantly approved for my 11th charge card (biz plat nll).
I was approved a month or so ago for my 6th credit card.
But remember . . . only two new cards in a rolling 90-day window.
nah, 2 new CREDIT CARDs …you can apply as many charge cards as you want in a day, assume you can get it approved.
DP:4 charge cards approved in same day.
AMEX now limits me to 1 charge card per 90 day window. This change came about at some point in 2023. I am about to test whether I can get more than 10 charge cards, which was a limit I was hitting in 2020-2021.
I got an interesting story too. someone I know recved a mailer from AMEX saying they are pre-approved for personal platinum earlier this year
And…?
that person didn’t apply for that 3rd platinum with 6K/125K offer. not sure if there were life time language in the paper
His dog ate it.
I have the business platinum since around November 2021, and just got an email asking me to apply for the business platinum for 150k MR. What are the data points for a situation like this, in which I already got the card recently but just got a targeted email? This email was directed at my business with BBP card because it shows that business and card number (which is same business as the plat).
I got a biz plat last summer and then just signed up again for another card within the last couple months. Just got the second SUB.
Can I use the same business name for my 2nd business plat card? It was target in an email for my BBP business, but that’s the same as my other Business Plat
Here’s my DP. I got the Business Platinum for my LLC on 11/13/21 with 120k SUB. In Dec, Jan, Feb I received multiple emails, physical mailers, and website offers when logged into my BBC (I know, I know). They were all addressed to the same business, inviting me to apply for the Business Platinum with an elevated 150k SUB.
On 02/15/22 I applied using the pre-loaded info which included my business name (there was a link on the form that said “Need a Card for a different business?” but I did not use it). My application went to manual review and a week later I received a denial in the mail because my business already has the card.
Based on that experience, I think I would have been approved if I had used a different business name (or my own name as a sole proprietor). Instead, I ended up getting the Business Gold (for the 4x categories + 90k SUB) in Feb 2022 then the BBP (for 2x on all spend with 30k SUB + 10k for employee card) in Mar 2022.
I continue to receive mailers, emails, and online offers for the Business Platinum with 150k SUB. I may eventually apply as a sole proprietor just to get the SUB but happy for now with my current setup.
comment removed, found my answer.
Just got denied for charge card #11, specifically stating I was already at the maximum allowed. Not sure what the criteria is, but seems like the 10 card limit is still at play in some/most cases.
Just got denied 2d ago for charge card #11 (targeted Biz Platinum) and the letter specifically said it was because I exceeded the number of charge cards allowed. Just a data point that goes against this. I have definitely heard of folks getting more than 10 but it seems this isn’t consistent.
Just got 11th charge card also, and few months ago had my 6th cc
Choo choo