Posted by Chuck on March 14, 2018
Credit Cards

Published on March 14th, 2018 | by Chuck

55

Does Amex now allow holding 6 credit cards?

For the longest of times, there was a 4-card rule with Amex whereby each person can only hold four Amex credit cards at a time, including personal cards and business cards. For example, someone holding an Everyday Preferred card, a Blue Cash card, an SPG card, and an SPG business card would not be able to then get approved for the Blue Business Plus card since it would be their fifth card, but they could hold or get approved for a Platinum card, a Green card, or a PRG or BGR card since those are charge cards.

However, for the past year or two, most people are having success – even automatically – being approved for their fifth Amex credit cards, meaning the limit is now five instead of four. Onemileatatime even called Amex when he was denied for his fifth due to the 4-limit, and they were able to submit the application for review and get it approved.

The past few days, I’ve bumped into a couple of people who have had success holding 6 Amex credit cards. Here’s a report from Outandout who has 2 SPG, 3 Hilton, and was approved for Blue Business Plus. And here’s a Reddit report who has Everyday, Delta, Hilton, 2 Blue Business, and Blue Sky.

Truthfully, this isn’t entirely new as Milesperday reported a year ago someone having 6 credit cards: SPG, Hilton, 2 Delta, Simply Plus, and Everyday.

Did the limit go up? It’s possible the Milesperday theory holds true that co-brands like Delta and Hilton cards don’t count. Let us know your experiences in the comments.



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Dan
Dan

I have 6 now because Citi Hilton transferred. One business. 5 Personal (2 Hilton).

Josh
Josh

Got rejected for Blue Biz Plus 4 days ago due to 5 card rule; Current holding:
Amex Everyday
Amex SPG
Amex Blue Cash Everyday
Amex Hilton Honors
Amex Hilton Aspire

After closing Blue Cash Everyday, i got Blue Business Plus approved

Superchurn
Superchurn

ditto

Tall T
Tall T

Similar cards to you, and applied for a Biz Blue +. The application was sent to pending, got a call that they would approve if I could close on of my 5 cards. Did so and was approved. This was about 2 weeks ago.

T
T

I just got approve for the Hilton biz card yesterday. I was at 6 cards, only because of the Citi Hilton NoAF card being converted to an AMEX. They would only approve me if I closed two of my accounts, bringing me back to 5 cards.

mishyq
mishyq

Yep. Same case here as well. I dont think the 6 CC is a new rule generalized to everyone

elena
elena

Regular Delta
Delta Gold
SPG
Hilton Honors
Amex Everyday
Amex Gold
FlexPerks Amex (not part of the limit)

Will
Will

Why bother mentioning the flexperks? just to mislead people?

quasimodo
quasimodo

touche!

AZ
AZ

Gold is a charge card.

JB from San Diego
JB from San Diego

Reposting from the spg link, ‘Best Current CC’:
I have 5 Amex credit cards including the spg personal. I applied for this spg bus since this maybe the last chance for the 35K. I can’t cancel my other cards bc i have not reached my 12 month’s. My app immediately went on hold. The next day, they called me and asked if I wanted to cancel one of my other cards due to the 5 card limit. After a explaining of my situation, I was told that I was being given the opportunity to cancel one of my other credit cards without any claw backs. To my amaze, I didn’t know which to cancel, so I cancelled my card that I just received this last December. Then I was approved! I still have all of my points from my cancelled card. Applied on 3/5/2018.

Also, this occurred again back in November 2017 when I applied for the Delta Platinum 70K. At that time, I had 5 opened credit cards and ended up cancelling my Blue Cash Card over the phone. Eventually, I got my Delta Plat 70K

P
P

I have ED, EDP, OBc, Hilton, SPG Biz and was denied in January for a Hilton Biz. I’ll try again today and see if I’ll get approved.

Will
Will

Thanks for sharing, did you get approved?

P
P

Was denied in January for a Hilton Biz. I haven’t tried yet today after reading some of the comments. I’m not in a hurry now to apply after reading them.

Dan
Dan

I stopped reading at “I have ED”. 🙂

PJ
PJ

Ha!!!!

elegua
elegua

Applied for Delta Biz last Jan and i had to close a card to get it approved, yesterday applied for the SPG Biz holding 5 cards, my application is “in progress” so i am expecting a call from Amex to close one, if i got approve i will update here but i don’t think so, lets see what happens.

elegua
elegua

Well bad news, just got a call from Amex and i had to close one in order to get the SPG Biz, the person i spoke with mentioned something about “amex cards limitation” , i pushed a little but no dice.

dan
dan

since the blue biz plus with 0 AF can keep MR pts alive, the ED may not be needed nowadays, right? betw. the ED having for 2 yrs & Delta for 6 mo, which card should i close if needed? TIA

Dave
Dave

Really depends how often you fly Delta and if you value their miles. I’d close ED personally but that’s because I have the BCP for grocery purchases

Max martori
Max martori

I have 6 Amex credit cards and 2 Amex charge cards 2 spg 2 Hilton 1 blue cash 1 business cash 2 platinum

mastervk
mastervk

I have 7 because of 2 additional cards from Citi Hilton .

WR
WR

The common thread i think is that one of the cards is a Hilton. I think this is more of a short term relaxing of the rules to accommodate the new Hilton cards from Citi, and not a permanent change to the 5 card limit.

Phill
Phill

+1

Will
Will

I agree. Haven’t seen a single DP without a hilton

William Charles

One Chuck posted to reddit is without a hilton I think

wajid patan
wajid patan

Yes I do have 6 credit cards and 2 charge cards.

William Charles

Only credit count towards the limit

Wajid Patan
Wajid Patan

Agree with you. I have 2 Hilton cards, 1 Amex ED, 1 Amex Blue Cash, 1 Simplycash Plus 1 Amex Blue for Business – total of 6 credit cards. On other hand, I have 1 ZYnc card, 1 Business Green Card and 1 Amex PRG card. All has different purpose of usage.

Vlad
Vlad

I have 7 cards due to conversion from Citi – 3 Ascend, Corporate, Blue, Platinum, Delta Platinum.

Dave
Dave

Two weeks ago applied for Blue Biz Plus and got rejected because of too many accounts with AMEX.

Had the following:
1. SPG
2. BCP
3. Delta Gold Biz
4. Blue for Biz
5. BGR (charge card)

Closed the Blue for Biz and was able to be recon’d into approval. For my case, they either counted the charge card as my 5th card or held me to a 4 card max which I thought was strange.

Superchurn
Superchurn

DP:
cobrands like Delta certainly DO count towards the 5-card limit in my recent experience. I have 2 of them, the Gold and Plat, and I was denied for a 6th card when I applied for the BBP. I had to cancel my BCE before they would approve my BBP.

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