American Express 5 Card Limit
American Express has long had a limit of five credit cards that a customer can hold at any given time. This limit didn’t include charge cards or Amex cards issued by other banks.
But a report on reddit points at a chat rep saying that American Express no longer has this five card limit. The customer was chatting specifically to close a card because of that limit, and the chat rep replied:
“To clarify, we no longer have a five‑card limit. All applications are reviewed individually and are subject to approval based on several factors.
If the number of existing cards is the reason an application cannot be approved, this will be clearly indicated at the time of submission. In those cases, the application will not remain in a pending status—you will immediately see a message stating that you’ve reached the maximum number of allowable cards, and the application will be declined for that reason.”
This seems like very specific information. The chat rep acknowledges that the five card limit existed, but has now been dropped. That information could still be wrong, as it has been the case with lots of information provided by phone and chat reps in the past.
In this case the rep says that there is still some kind of limit when it comes to the total number of American Express cards that you can hold. Once you’ve reached the maximum number of allowable cards, you will be told so once you submit an application.
Have you applied for any Amex cards recently? Leave a comment and let us know if you have been able to go above that 5 card limit!
