Does Amex Have a New 5 Credit Card Limit?

It appears that Amex no longer has a strict limit of four credit cards for all customers. Recently there are multiple reports of customers being approved for a fifth credit card!

This is positive news and means you can get approved for an additional Amex credit card if you previously were at the max number of four Amex cards!

You now may be able to get approved for a 5th Amex credit card!

Up until now I haven’t maxed out my Amex credit card limit, currently I have these Amex cards:

I’ve been planning on a new round of credit card applications in the next few weeks. Given this new change I’ll likely try applying for two new Amex credit cards to test the new rule and provide a data point.


New Amex 5 Credit Card Limit?

In the past Amex set a hard limit of just four credit cards per person. It was possible to get approved for a new card, but you would have to close an existing card in order to get the new account approved.

It also didn’t seem relevant what combination of personal, business or co-branded Amex credit cards you had, the four card limit still applied. Also, for Amex charge cards there did not seem to be a set limit you can have.

Now via Reddit multiple reports have surfaced of people applying and being successfully approved for a fifth Amex credit card.

However, it seems this does not apply across the board for all Amex customers. You’ll also find reports of some people who were not automatically approved when they applied for a fifth Amex credit card.

Should You Apply for a New Amex Card?

With this news I would not change my overall card strategy. If you were previously at the max of four Amex credit cards and you’ve been waiting to apply for new cards then adding a new Amex card may be worth a shot.

Amex is currently offering increased sign-up bonuses on a handful of it’s credit cards:

If you’ve been considering one of these cards it may make sense to apply now to grab the higher sign-up bonus.

It’s important to remember that Amex has a rule that you can only earn the sign-up bonus once per lifetime per card, so you’ll want to grab a card at a higher offer.


Overall this is positive news and if it proves true for the majority of Amex consumers it will allow cardmembers to get approved for a fifth Amex credit card. This means potentially more travel benefits and more sign-up bonuses if you have not previously had many Amex credit cards.

I doubt that we will hear an official update form Amex, so be sure to stay tuned on updates and more data points to follow.

Starwood Preferred Guest® Credit Card from American Express
Starwood Preferred Guest® Credit Card from American Express

Starwood Preferred Guest® Credit Card from American Express
Bonus: 25,000 points after spending $3,000 in the first 3 months.

-- 2X Starpoints per dollar spent at SPG properties
-- 1X Starpoints per dollar spent on all other purchases.
-- No foreign transaction fee.
-- Free in-room internet & unlimited Boingo Wi-Fi.
-- 2 stay credits and 5 night credits towards elite status with Starwood each year.
-- Starwood Gold status when you spend $30,000 on the card annually.

Annual fee: $0 the first year, then $95

Quick review: Starpoints are incredibly valuable when redeemed for free nights and flexible since you can transfer them to numerous airline programs. When Starpoints are transferred to an airline program in increments of 20,000 points you get 5,000 extra miles. This means that for every dollar you spend on the card you are essentially earning 1.25 miles of the airline of your choice.

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