They’ll also be limited to no more than 10 Amex cards with no preset spending limit (formerly known as charge cards). The newest unofficial policy from Amex says, however, that most cardholders will be restricted to at most five Amex consumer and business credit cards. Officially, American Express does not have a cap on the number of cards you can have.
Amex Business Gold How many Amex cards can I have? Related: Credit card showdown: Amex Gold vs. “ Welcome offer not available to applicants who have or have had this Card or the Premier Rewards Gold Card.“ For many years, the Amex Gold Card was called the Premier Rewards Gold Card, and the current offer - 60,000 points after you spend $4,000 on purchases on your new card in your first six months of card membership - explicitly references that older product: Note that this also applies to rebranded or updated cards. Amex allows you to earn the welcome offer for each card - as long as you have never been a cardholder of that card in the past. (Photo by Wyatt Smith/The Points Guy)įor example, the American Express® Gold Card and American Express® Business Gold Card are from the same card family, but one is a personal card and the other a business card. Regardless of the family of cards (cobranded hotel and airline cards, business cards, cash-back cards, rewards cards), American Express maintains a strict rule of one bonus per card for life.Īlthough all Amex cards are covered by this rule, you can earn the welcome offer on personal and business cards of the same type. Related: Choosing the best American Express credit card for you What cards are affected by this rule?Īll of Amex’s cards are covered by this rule. In general, though, the issuer’s one-bonus-per-lifetime rule was put into effect in order to discourage applicants from applying for Amex cards solely for the bonuses. If Amex deems that you are not qualified for the card’s welcome offer, you will likely see a pop-up box stating so. Additionally, you may be approved for the bonus if the terms of the offer don’t include the above language about previously having the card before.įinally, American Express also introduced a warning several years ago as part of its online card application process. There have been reports of people getting approved and earning the welcome offer again several years later. As a result, if you apply for the 100,000-point offer and receive a higher one at a later date, you’ll almost certainly be ineligible for it. However, you could be targeted for a higher welcome offer through the CardMatch tool (offer subject to change at any time). The current bonus on the card is a generous 100,000 Membership Rewards points after you spend $6,000 on purchases on your new card in your first six months of card membership. “ Welcome offer not available to applicants who have or have had this Card or previous versions of the Platinum Card.“ If you open the offer details link on the card’s application page, you’ll see the following language: In other words, you can apply for The Platinum Card® from American Express and earn a welcome offer once and only once. However, since 2014, the issuer has clamped down on applications and began limiting customers to one bonus per card per lifetime, regardless of how much time had passed since they last applied for that card. Many years ago, American Express would allow you to earn welcome offers on the exact same card multiple times.
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