If you’re considering applying for an American Express credit card, it’s important to be aware of the issuer’s five-card limit.
This limit applies to the total number of Amex credit cards you can have at any given time, whether they are personal or business cards.
However, there are some exceptions to this rule. Hybrid cards (formerly called charge cards) do not count toward the five-card limit.
These hybrid cards that bypass the limit include:
Is the Amex Five Card Limit Enforced?
Recently, there have been some data points suggesting that Amex may be relaxing this restriction.
One individual reported being approved for two additional credit cards from American Express, despite already having five credit cards and four hybrid cards.
While this is an interesting development, it’s important to note that there is no official policy change from Amex.
It’s also worth mentioning that Amex has an algorithm that may limit your ability to qualify for welcome offers on a card, even if you are within the five-card limit.
This is something to keep in mind when applying for new Amex cards.
Overall, the five-card limit is something to be aware of when considering applying for an American Express credit card. While there may be some exceptions and potential policy changes, it’s always best to do your research and understand the issuer’s rules and restrictions before applying.
