💥 *UPDATE 6.08.2022:* Amex may be approving some people for _more than_ 4-5 credit cards and _more than_ 10 charge cards. See this post from Doctor of Credit for more info & data points in their comments section: www.doctorofcredit.com/american-express-approving-people-for-more-than-10-charge-cards/
@@bawells80 - Awesome! Be aware that this will not hold true for everyone. As an example, I was stuck at 5 for awhile, then it went down to 4 during the pandemic.
@@MarkReese True. I tried for a 7th, and I got a denial letter stating I'd reached the maximum amount of allowed cards. BTW, love the channel. Great content as always.
If this video doesn’t blow up…I’ve never gotten a straight answer from AMEX about this either. Once I got my fourth card, they approved it but they lower the limit on my other cards and put it on that card. Thanks Mark for this!
@@Anthonyjones-pq4ff - Why not request a CLI rather than waiting? See this article by DoC: www.doctorofcredit.com/increase-the-limit-on-your-american-express-card-by-up-to-3-times-its-starting-amount/
@@MarkReese I heard you should let happen organically cuz if not it looks like your desperate for money But $1k on each card Hilton & blue cash just isn’t enough . I’m wait six month than ask That would hurt my credit score will it by asking will it …
@@Anthonyjones-pq4ff - I've never heard that. I also don't adhere to that strategy, especially considering I almost never get automatic CLIs. However, I've gotten many of the ones I've asked for 🤙 There's no effect on your credit score as long as there's no hard pull. Always good to ask the rep directly if there will be one (if talking over phone) or to read the terms carefully (if requesting online) prior to moving forward.
Was able to open 5 cards within about 60 days: business green, business gold, delta gold, personal platinum and personal gold. I think that fits within the general limits you describe except the 2 in 90 days…
One of the most informative videos I've seen an a very long time. I'm an Amex nerd! I have 6 cards with Amex and after seeing this video going for the 7th. I have Amex Gold, Amex Platinum, Blue Cash Preferred, Delta Skymiles, Hilton Honors Surpass, and Amex Blue Business Plus. Thank you so much Mark. Love your content.
It’s worth noting that in my experience, the 2/90 rule only applies to credit cards. For my own personal data point I got the Gold on 10/29, the BBP on 11/4, the Platinum on 11/18, and the Delta Business Platinum on 11/30. Wouldn’t recommend due to the amount of AF that will stack up upon renewal. Hope this helps someone!
@@MarkReese what about business card the Blue Cash if I got my last two card back in Dec 2022 I should be able to apply for the Blue Cash Business card . I would thk 90 day from Dec - and this is April
@@Anthonyjones-pq4ff - Right, you should be outside of the 2/90 Rule then. However, that does not guarantee an approval. Credit decisions are based on a lot of factors.
After watching this video, I decided to try my luck with the Amex chat. I am an Amex card holder with 4 cards. I was told that there is no limit to how many cards one cardholder can have. I was also told there is no time limit between applying for cards and I can actually apply for 2 at the same time.
Thanks for sharing your experience from your Amex chat, Alan! (And yes, you can get 2 "cards" at the same time, but that should only hold true if 1 is a credit card and 1 is a charge card ... or if they're both charge cards).
Member since 2008. I have every card Amex offered except for business. I received the last three cards (Hilton Aspire, Blue, and Blue Preferred) in the last 6 months lol. So I say, all based on factors and no limit of the cards you can apply and approve for. :)
@@MarkReese Yes.My last approval was 3 months today and Amex again offered me to apply for the Delta Reserve. I applied and as you expected, was denied based on the threshold. I will try again in January. I'll keep you posted :)
It’s true I got approved for both platinum and blue cash preferred the same day , but a week after I went for gold rose Amex got denied, so yes 2 cards under 90 days .
I applied for gold a week ago. Amex everyday on the same day. . . I applied for blue business plus a few days later and approved today. . . So there are exceptions
Two things that could account for the wide variety in the responses you got are (a) the knowledge and training of the reps and (b) how they interpreted your question. It is scary to think that half of the representatives you contacted had been given the wrong information and training, but with the way things are in the world today, that is probably the more likely of the two scenarios. It is also possible that the folks who told you unlimited understood your theoretical question correctly, and the folks who gave you the regular 4/5 and 10 answer interpreted your question to be about your specific circumstances.
have 3 but get preapprovals for a 4th pretty regularly........think general rule is as they say, depends on your income, credit worthiness and if you are using all the cards.......am sure tons of high rollers have quite a few, they certainly aren't going to walk away from easy money.....they are pretty generous with CLI too.....
So basically we don't know, amex doesn't know, and it probably all comes down to who you are. I have no doubts if you are a high profile individual or a known public corporation that rules will be suspended based on your needs. The 99 limit I believe refers to if you have a charge card (business) you can add up to 99 authorized users. If a company like amazon, walmart, etc. said we'd like 1,000 of our executives to have a card then I'm sure amex would accommodate them.
I have the following 14 Amex cards: Amex Plat Schwab Amex Plat Amex Plat (upgraded from green) Morgan Stanley Amex Plat Goldman Sachs Amex Plat Amex Gold Delta platinum Hilton Aspire Bonvoy Brilliant Bonvoy Brilliant (upgraded from spg) Bonvoy Business Amex Plat Business Amex Plat Business (upgraded from business gold) Amex Plat Business (upgraded from business green)
I have 6. 3 personal and 3 business. None are charge card. I feel I’m in their bucketed category. All my personal cards have 1k limits. All my business cards have 2k limit.
Not sure if Amex does bucketing. Maybe, but low limits could be due to other things on the credit report vs. income vs. debt, etc. Consider asking for a credit-limit increase.
I have 7 amex cards credit cards 2 Hilton's 1 delta gold 1 BP 4 total was told can't have anymore. Max for me is 4 3 green gold an platinum charge ones
I am currently sitting at 3 cc and 2 charge. As ALWAYS, amazing video!! Pretty sure the 99 is AU information - what a mess, no one is speaking the same language.. Do better Amex.
Thanks for the video. I have already amex everyday, marriot brilliant, and delta platinum. I am planning to get the marriot business and hilton aspire. Hopefully i will be approved for 5 cards. There is a limited offer for marriot business welcome bonus of 100,000, so will get that one first then hilton aspire. Good to go for traveling.😃 all thanks to your videos i was able to set up my cc travel.
I applied for three business cards in one day and was approved for all three of them but I had to show bank statements and other documents proving that the company existed Then apply for a fourth card five days later and was approved.
The fact that your name is Jeffrey makes me a fan even more..my brother Jeffrey is my best friend so I have a special place in my heart for people named Jeff 🙌🏾🤟🏾
Love this video and what perfect timing! I have 4 Amex cards, two of which I have opened in the last 5 weeks. I have my eye on the Hilton Surpass or Aspire, but I’m not going to push my luck. Will wait until next year. If you’re worried about your chances of approval, I would highly recommend chatting with them first. That’s what I did. I honestly believe they give different answers based on the individual.
I have 2 personal credit cards (BCE and Hilton Surpass) I have 1 business credit card (The Lowe's card) I have 2 charge cards (Gold and Green) and I am an AU on my mother's Everyday card. If I get another one it would be the Amazon Prime business card. As far as the rule, like most things in life, off the record everything is done on a case by case basis.
I love how respectful you are to customer service reps. Question for you, I have the Platinum card, gold and business blue plus card. I got my business card just days ago. But I don't think I did enough research on all the business card. The business GOLD card might actually be a better fit and not the business blue plus card. I would rather have the buz gold instead. Do you suggest I apply for the gold card and close the business plus or keep the business plus and apply for the business gold card. the 4X points on most spend categories is what I like most. Thanks.
Hey Paul - totally up to you regarding closing the Blue Business Plus (BBP). It's a great card for non-category spend with no annual fee and can be a great way to keep your points active if you ever decide to cancel other cards with fees. That said, the BBP will take one of your 'Amex slots' (that is, Amex allows most people to have 4-5 total credit cards). So if you have no need for it, and want to free up the slot for another Amex credit card, you can let it go.
I have 9 total, but have always been told 5 credit cards was the limit and that's what I have. I've tried to apply for the sixth, shot down each time. 🤣 Each rep always said there was no limit, but I've come to the conclusion that most of them are pretty clueless.
MARK! We need another video like this for Chase! I called Chase directly and spoke to two separate representatives. I wanted to go after the the Chase Freedom Flex to get the $200 bonus. However, I am over my 5/24 so I asked them if I applied and get automatically declined (for being over 5/24) will they pull my credit. And both representatives began to say there is no such thing as 5/24 and that is a quote on quote “myth” or “false statements” and that Chase does not have that policy anywhere in their credit card polices. DIG DEEPER MARK, get to the bottom of it.
Haha - 5/24 definitely exists; you can ignore what those reps said 😄✌️ I did this video for Amex because they do have a 'hard limit' to the number of cards. Chase does not, so no need for a video right now. You're free to get as many Chase cards as you like; the only limit they have is the total amount of credit that will be extended to someone 👍
@T-Millz for a data point, I was denied because of too many credit cards in 24 months as my denial reason this month. Told my banker that one card was authorized user and not responsible for it. He told me that there is a rule of 5 in 24 months. I also called reconsideration line and told him same thing about the denial reason and authorized user account and he admitted it. I got my approval after that.
Mark, like I said before, I joined on 2/14/22 and I have the EveryDay, Blue Business Plus, Blue Cash Everyday, Amazon Prime Business and the Blue Business Cash and all 5 were approved. I tried to apply for a 6th and was denied. Based on my experience. While charge cards or no preset limit, I only have 1 in the Green card excluding that.
Hello if this comment helps, I just want to spread my experience. I had 4 regular cards, one was a business (Amazon Prime), and the other 3 were normal cards. I also have a gold and platinum card, but those are Charge cards, so in regards to the regular cards I have 4. My point is that I saw your video and I applied for the Business Plus card since I’ve been wanting it for a while, and got approved. So as far as I know now, it’s 5 revolving credit cards, and 10 charge cards.
I have 9 Amex cards The only issues I’ve ever Had was getting 2 cards in 1 day or 3 cards within 90 days my Personal cards are plat/gold/BCP/Amex Everyday/Cash magnet my business cards are lowes/amazon prime/hilton/blue business plus my highest limits are on the branded cards by far I’m not sure if I was just able to get so many because a few of mine are co branded
@@MarkReese Platinum, Schwab Platinum, Gold, the 3 Hilton cards, Delta gold and Bonvoy. I had the no annual fee Delta but Amex is giving me 40000 points for spending $2000 in 6 months and waiving the annual fee to upgrade. I’ll downgrade in a year. I’ll apply for another credit card as an experiment to see if I get declined. Going cancel all the charge cards when the annual fees are due.
New subscriber here. This is by far the BEST video regarding the number of Amex cards one can have! 👏🏽👏🏽👏🏽 Thank you for your most thorough investigation. 🕵🏼♂️ UPDATE: As of 3/18/2023 I have a total of: 3 charge cards (Platinum, Gold, & Green); 4 credit cards (HH Surpass, BCP, BCE, & Cash Magnet); and 1 business card as BB Plus. DATA POINTS: Experian FICO score = 767; Utilization = 5.26%; Overall Available Credit = $95,100; Annual Salary = Over $155K. Hope this was helpful.
I currently have the platinum, gold, bbp, lowes, and just got the delta reserve yesterday. I plan on getting the hilton aspire in February and ima get the marriott card if they let me get 5👌🏾
@@j0epark1 - Correct, so now that you got rid of it, did you then replace it with the Chase version to keep earning 5% while freeing up that Amex slot? 💳
@@MarkReese oh no, I had the Amazon store card even before the Amex Amazon card. So I’ll still be receiving 5% from that. I did have the Chase Amazon too, but I ended up converting it to the Chase Freedom while still being able to receive the sign up bonus which was really nice.
Mark, thank you. I found this to be one of the best credit cards videos in the RUclips space for a while. Really appreciate you doing the research behind this. As someone with 10 charge and 5 personnel I hope they expand the limit soon but for now it seems it is the same as it always has been.
The 25,000 rule where you may get audited. Whet of today you request and receive a limit of $24,000. But six months later they auto increase you 5,000 more. You’ve gone over the 25,000 auto rule. Do they ask you before they auto raise or does it just happen? If so then one should stay away from a high limit
And THAT is exactly why I have no interest in getting any additional Amex cards. Not because of this limit (or not?) But because their customer support staff seem to have no idea what's going on. You always get a different answer. Really have no idea where American Express got a reputation for "excellent customer service." I'll stick with Chase thanks!
Asksebby made a video about it. IIRC you have to spend $500+/month for a while on your current cards for several months before you get out. But it'd be best if you watch it yourself
Hey Tommy - I was initially put into Amex Pop-Up Jail for my Hilton Honors Business Card application (a credit card). After some time, my most recent application that was approved was for the Business Platinum Card (a charge card) and it was also a targeted offer. So I'm not sure if I'm fully past the Pop-Up Jail with regards to regular credit cards ✌️
Applyin for my 6th. I got 3 charge cards, 2 are business… 2 credit cards. Im bein told if i continue the application I wont be given the welcome offer and intro APR. So you can apply for this many cards with only 1 credit pull right
Okay so can I get ur advice!!? I recently got my Platinum card a month ago. And now that I’ve done my research I now wanna get the Gold (rack up points with dining)and Blue Cash Preferred (for my groceries and transit in NYC) How long should I wait to apply for the two? I know one is a charge card and the other is a credit card. Just wanna make sure I do no damage to my credit report and get multiple hard pulls. Thanks!
OMG so interesting! Now, Amex needs to retrain their employees on what to say to customers LOL! The specialised team seems to know best, so 5 for credit cards and 10 for charge cards seems the most plausible (does Amex even have 10 charge cards?)
Hey jeffery loved this latest video on How many Amex card you can have I personally have the platinum Business card with A/U 2, one Blue cash , one Gold an one platinum card one Hilton Honor Gold A/U So every time I apply for a new card I get turned down for Blue cash Business card . So with all that do you think I’m over my limit are $1K on blue cash & Hilton each
@@MarkReese to short of time I believe & to many inquiries only had the cards scenes Dec of 2022 But after watching ur videos on how many cards that shouldn’t matter I should call the reconsideration line which I didn’t do after being denied. Thx u jeffery for the video it helped a lot I’m call the reconsideration line in see what can be done
I have 5 Amex personal cards and 6 charge cards. I just received the Delta platinum business card targeted email offer. Given the fact that this is a targeted offer and a business card, is there increase in chance to get an approval for 6th personal card?
Not necessarily. I've never seen a targeted Amex card offer that was immune to the 4/5/6 card rule (the max # can vary). It's possible to get approved, but I don't know what your account's internal limit is in terms of how many credit cards Amex will allow you to have.
Good vid. Not sure why someone would want that many cards from one issuer. Amex is one of my favorite companies but too me most of their cards over lap in some way or the other. I would not want more than one card (maybe two depending on the offerings and company) as it does not make sense (to me personally and again depending on certain factors). Now I do have the Amex Blue cash and Platinum cards as they serve my purposes. The only other card I want Period(or as of my long term plan/goal) is the Centurion so that is my next target card and the only other card I would get from Amex! YES!!
@@MarkReese The reason why I asked the CSR to transfer my call to the correct department because I have had the Blue cash preferred for 8 months but last 2 weeks I received 2 targeted offers to apply for Gold 75k of 5k spending in the first 3 months and the Platinum 125k of 6k in the first 6 months who the CSR in that department confirmed as long as I did not apply before then I would be eligible for the bonus and max 5 CC.
Hi Mark, I currently have the BBP, Vanilla Plat, CS Plat, Amex Gold, Delta Plat, BCE, and the Hilton Surpass. I’m eyeing either the Green or Amex everyday preferred card for the SUBs…. But unsure if I will get approved for either solely based on my total accounts with Amex. Just watched your video (great video). I was hoping to get your thoughts solely based on the number of Amex cards I have do you think I can get one more? Lol 😂 (PS: Yes I’m aware it will vary as the Green= charge card, Everyday preferred = credit card)
Can't guarantee anything, but since you're at 4 credit cards and 3 charge cards, you should be eligible for more. Amex generally allows up to 5 credit cards and 10 charge cards.
@@MarkReese awesome, thanks so much for the response! Much appreciated! 🙏🏼🙏🏼 I think I will give it a go. If I do and I’m successful or unsuccessful I will be sure to report my DP.
Okay I would have done three things here…. First asked them on Twitter, getting to a higher up like a supervisor, and thirdly pre qualified to see if it would pick a card for you without hurting your credit… honestly and I’m sure you may think the same but do you think if all credit card companies were U.S. based we’d have a more accurate answer? Language Barriers I believe play a big role… you really investigated this and you were given mixed answers. It seemed like you have more accurate answers on the phone though. I’m not sure where Amex outsources their company but is better than other credit card companies when calling. And yes idk y they do automatic robots it’s so annoying no one wants to talk to a robot unless it’s like the most common FAQ I guess 🤷♂️
And the person on Twitter isn’t gonna be some outsources regular joe working the Amex Twitter account so I believe if they did give you an answer it would be the most accurate
@@MarkReese thank you. I recently applied for AMX blue cash preferred. They gave me a $10k limit. Then a got a letter from them saying “we determined this figure by taking into account all of your accounts and spending on these accounts”. I saw that the reduced my limit on my Aspire card by $10k. Lesson learned. Make sure a put more spend on my card. I wasn’t using my Hilton card often enough. Thx
@@MarkReese I’m traveling this year and all of next year so I made the executive decision to apply for this card I was going to wait for the chase card, but idk and hopefully knock on wood so far my new card hasn’t been reported on my account
@@wd4050 - Correct. Visa is not a card issuer (and Mastercard isn't either). Credit cards are issued by banks. For example, the Macy's American Express Card is issued by _Department Stores National Bank._ The Best Buy credit card is issued by Citi. The Nordstrom credit card is issued by TD Bank.
Let’s say if have 3 cards I was add as a authorized user and I have 1 from my personal side how many could I get or will they factor as a total personal and beening added as a authorized user.
Hi Mark. Question… Why did my new credit card high balance still report my statement balance that I charged on the card (2,300) for the month as high balance on my report? I paid it down to 900 by closing date. I thought the high balance would be the remaining 900.00. That card has a 5,000 CL. Cycle is 3rd-2nd each month and DD is 27th. Thanks.
I want to get the Amex gold do I have to get a Amex card for example the Amex everyday and then apply for the Amex gold ? I have 5 cards in 30 months different banks what should I do ?
What if you want to switch out one card for another but take advantage of any offers? Do I have to sign up again or can I just switch one card out for another?
Hey there - Amex does allow product changes from one card to another, although there are restrictions to that based on card type and card family. Also, product changes means no welcome bonus. An exception would be a targeted 'upgrade bonus.'
Love all you videos, thanks for your efforts. I have an Amex question. Currently I have Hilton surpass, got it Dec 2019. I’m thinking of changing to aspire as I like the benefits more and I don’t usually meet the 15k spend for free night. Question is should I try to upgrade the surpass to aspire or cancel surpass and have my wife apply for aspire to get the sign up bonus? I have several other older cards but alway worry about closing accounts. Thanks
@@pavanpancholy9727 - If you do an upgrade, you won't receive the welcome bonus. However, if you get targeted specifically for an upgrade bonus, you would receive that. That said, if the bonus isn't important to you, you could go with the upgrade route. If you do want to get the bonus, then I recommend applying for the HH Aspire 👍
Hey Mark, I got my first city card May 27th. It was the double cash card. I’m wanting to apply for the custom cash card, and wondering how long I should wait? It’s been roughly 100 days since I opened the double cash account, and I’ve made my payments on time every month (actually I pay it every week). What are your thoughts? I’m just wanting to have as many opportunities to get 5% back on different purchases as possible.
Hey Alli! You should be ok to apply now 👍 For Citi personal cards, the rules are: - 1/8 Rule: You can submit 1 application every 8 days in order to be considered for an approval. - 2/65 Rule: You can submit 2 applications every 65 days in order to be considered for an approval.
If your credit age and score is really good, consider getting something like the city premier (80000 points sub) and then product changing to the custom cash (20000 points sub) on your 13th month. They’ll refund the second annual fee.
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💥 *UPDATE 6.08.2022:* Amex may be approving some people for _more than_ 4-5 credit cards and _more than_ 10 charge cards. See this post from Doctor of Credit for more info & data points in their comments section: www.doctorofcredit.com/american-express-approving-people-for-more-than-10-charge-cards/
I have 6 Amex credit cards, so they'll definitely approve for at least that.
@@bawells80 - Awesome! Be aware that this will not hold true for everyone. As an example, I was stuck at 5 for awhile, then it went down to 4 during the pandemic.
@@MarkReese True. I tried for a 7th, and I got a denial letter stating I'd reached the maximum amount of allowed cards. BTW, love the channel. Great content as always.
You weren’t kidding this was wild!! I agree with your most probably answer. 5 ccs and 10 charge are the figures I’ve seen the most!
Sometimes I gotta go a little crazy 😂
Just got approved for my first Amex card Gold came in the mail , looking forward to getting the platinum next 🙏🏾🙏🏾
Right on! Congrats on that Gold Card approval as your 1st Amex card! 🥇 Enjoy it, and let the countdown to Platinum begin ⏰
If this video doesn’t blow up…I’ve never gotten a straight answer from AMEX about this either. Once I got my fourth card, they approved it but they lower the limit on my other cards and put it on that card. Thanks Mark for this!
It's crazy how widely the answers varied 😂 I too have reallocated existing limits to open a new card with Amex; great strategy 👊
@@MarkReese I like them to incase my limit from $1K to a little higher and that’s on two credit card $1K each . Waiting
@@Anthonyjones-pq4ff - Why not request a CLI rather than waiting? See this article by DoC: www.doctorofcredit.com/increase-the-limit-on-your-american-express-card-by-up-to-3-times-its-starting-amount/
@@MarkReese I heard you should let happen organically cuz if not it looks like your desperate for money
But $1k on each card Hilton & blue cash just isn’t enough . I’m wait six month than ask
That would hurt my credit score will it by asking will it …
@@Anthonyjones-pq4ff - I've never heard that. I also don't adhere to that strategy, especially considering I almost never get automatic CLIs. However, I've gotten many of the ones I've asked for 🤙
There's no effect on your credit score as long as there's no hard pull. Always good to ask the rep directly if there will be one (if talking over phone) or to read the terms carefully (if requesting online) prior to moving forward.
That’s why you are one of the BEST to do it M.R. You did all the research for us. Thank you
Thanks Xtreme! 😎👊
@@MarkReese I’ll be applying for the business plus next
Was able to open 5 cards within about 60 days: business green, business gold, delta gold, personal platinum and personal gold. I think that fits within the general limits you describe except the 2 in 90 days…
Dang that's impressive, CONGRATS! 🎉
I have 5 cards
Hilton aspire
marriot bonvoy
BCE and BCP
Delta Reserve
Great cards for those travels! ✈️
One of the most informative videos I've seen an a very long time. I'm an Amex nerd! I have 6 cards with Amex and after seeing this video going for the 7th. I have Amex Gold, Amex Platinum, Blue Cash Preferred, Delta Skymiles, Hilton Honors Surpass, and Amex Blue Business Plus. Thank you so much Mark. Love your content.
Thanks Bryan! Good luck on the next application whenever you decide to go for it 💯
It’s worth noting that in my experience, the 2/90 rule only applies to credit cards. For my own personal data point I got the Gold on 10/29, the BBP on 11/4, the Platinum on 11/18, and the Delta Business Platinum on 11/30. Wouldn’t recommend due to the amount of AF that will stack up upon renewal. Hope this helps someone!
Great point, Dillon! Yes, the 2/90 rule applies to credit cards 💯
@@MarkReese what about business card the Blue Cash if I got my last two card back in Dec 2022 I should be able to apply for the Blue Cash Business card . I would thk 90 day from Dec - and this is April
@@Anthonyjones-pq4ff - Right, you should be outside of the 2/90 Rule then. However, that does not guarantee an approval. Credit decisions are based on a lot of factors.
@@MarkReese even if you already have one business card with them & A/U user on them business card
Green. Gold
I used the rakuten link from your previous video and I ended up getting the $30 to my PayPal
Awesome! Glad ya got that $30, and thank you for using the link! 🥇
Your kitchen is nice! But I miss the OG black wall videos! Keep up the excellent content!
Thanks Deepan! The OG Black lives on in memory 😄 I'll switch it up again at some point to something new.
After watching this video, I decided to try my luck with the Amex chat. I am an Amex card holder with 4 cards. I was told that there is no limit to how many cards one cardholder can have. I was also told there is no time limit between applying for cards and I can actually apply for 2 at the same time.
Thanks for sharing your experience from your Amex chat, Alan! (And yes, you can get 2 "cards" at the same time, but that should only hold true if 1 is a credit card and 1 is a charge card ... or if they're both charge cards).
Member since 2008. I have every card Amex offered except for business. I received the last three cards (Hilton Aspire, Blue, and Blue Preferred) in the last 6 months lol. So I say, all based on factors and no limit of the cards you can apply and approve for. :)
Hey Noel! Do you have all those Amex credit cards open right now?
@@MarkReese Yes.My last approval was 3 months today and Amex again offered me to apply for the Delta Reserve. I applied and as you expected, was denied based on the threshold. I will try again in January. I'll keep you posted :)
@@noelp2888 - Right on, good luck! 😎👊
It’s true I got approved for both platinum and blue cash preferred the same day , but a week after I went for gold rose Amex got denied, so yes 2 cards under 90 days .
And that's how the rule gets confirmed in real life 😬 Congrats on the 2 approvals!
I applied for gold a week ago. Amex everyday on the same day. . . I applied for blue business plus a few days later and approved today. . . So there are exceptions
@@johncummings2377 - The 2/90 Rule applies to credit cards, not charge cards (like the Gold Card) 😁✌
So the 2 cards per 90dyz does it apply to both personal & business?
@@mslady9026 - I haven't seen data points to confirm that 100%, but my best guess would be 'yes.' ✌
Glad I can rest assured now. This is great to know since I have 5 cards and I’m looking to add the Hilton Aspire! Thanks for the great content
Glad to help! That Hilton Honors Aspire is a great card 💯
great card, use it more than any other card
So if its 5 credit cards that have actual limits then you might be denied for a 6th. I was.
Brilliant video, you did a thorough job on obtaining information and answers to the question many of us had. Thanx so much
You're very welcome! 💯
Two things that could account for the wide variety in the responses you got are (a) the knowledge and training of the reps and (b) how they interpreted your question.
It is scary to think that half of the representatives you contacted had been given the wrong information and training, but with the way things are in the world today, that is probably the more likely of the two scenarios.
It is also possible that the folks who told you unlimited understood your theoretical question correctly, and the folks who gave you the regular 4/5 and 10 answer interpreted your question to be about your specific circumstances.
Possibly so!
99? Well I’m only 96 cards away. No rush. LOL
😂👍
@@MarkReese lol
I have 9 total
6 are CC
3 are charge (consisting of 1 business)
Great coverage Mark!
Awesome! Were all of the 6 credit cards from new applications?
My goal is to get Amex and chase I’m just in my rebuilding credit phase
Good goals to have! Rebuild & win! 🥇
have 3 but get preapprovals for a 4th pretty regularly........think general rule is as they say, depends on your income, credit worthiness and if you are using all the cards.......am sure tons of high rollers have quite a few, they certainly aren't going to walk away from easy money.....they are pretty generous with CLI too.....
Could be 👍
So basically we don't know, amex doesn't know, and it probably all comes down to who you are. I have no doubts if you are a high profile individual or a known public corporation that rules will be suspended based on your needs. The 99 limit I believe refers to if you have a charge card (business) you can add up to 99 authorized users. If a company like amazon, walmart, etc. said we'd like 1,000 of our executives to have a card then I'm sure amex would accommodate them.
Haha sounds about right 😂👊 For the general consumer account, the "4-5 credit cards" and up to "10 charge cards" seems fairly standard.
I have the following 14 Amex cards:
Amex Plat
Schwab Amex Plat
Amex Plat (upgraded from green)
Morgan Stanley Amex Plat
Goldman Sachs Amex Plat
Amex Gold
Delta platinum
Hilton Aspire
Bonvoy Brilliant
Bonvoy Brilliant (upgraded from spg)
Bonvoy Business
Amex Plat Business
Amex Plat Business (upgraded from business gold)
Amex Plat Business (upgraded from business green)
WOW that's impressive! Gotta love those upgrades 😁💯🥇
I have 6. 3 personal and 3 business. None are charge card. I feel I’m in their bucketed category. All my personal cards have 1k limits. All my business cards have 2k limit.
Not sure if Amex does bucketing. Maybe, but low limits could be due to other things on the credit report vs. income vs. debt, etc. Consider asking for a credit-limit increase.
I have 7 amex cards
credit cards 2 Hilton's 1 delta gold 1 BP
4 total was told can't have anymore. Max for me is 4
3 green gold an platinum charge ones
Great cards!
Great video! Just got approved for my first Amex card (BCP). Look forward to adding more in the future. Thanks for sharing..
Congrats on your BCP approval, that's awesome! 🎉
I am currently sitting at 3 cc and 2 charge. As ALWAYS, amazing video!! Pretty sure the 99 is AU information - what a mess, no one is speaking the same language.. Do better Amex.
Nice 5-card setup! There definitely needs to be a standard response to this 😁👌
Thanks for the video. I have already amex everyday, marriot brilliant, and delta platinum. I am planning to get the marriot business and hilton aspire. Hopefully i will be approved for 5 cards. There is a limited offer for marriot business welcome bonus of 100,000, so will get that one first then hilton aspire. Good to go for traveling.😃 all thanks to your videos i was able to set up my cc travel.
Awesome! 👍
I applied for three business cards in one day and was approved for all three of them but I had to show bank statements and other documents proving that the company existed
Then apply for a fourth card five days later and was approved.
Congrats on all those approvals, Terrell! 💯
this tells me Amex needs to do some more training or update their customer service reference guides
Yep 😬
The fact that your name is Jeffrey makes me a fan even more..my brother Jeffrey is my best friend so I have a special place in my heart for people named Jeff 🙌🏾🤟🏾
Legit! The Jeff Fam keeps growing 👊
I have personal Rose Gold, Blue Cash Everyday, and Green Business card…and counting…
Excellent lineup in the making 🏆
@@MarkReese I need the AmEx Business Plus next.
Love this video and what perfect timing! I have 4 Amex cards, two of which I have opened in the last 5 weeks. I have my eye on the Hilton Surpass or Aspire, but I’m not going to push my luck. Will wait until next year. If you’re worried about your chances of approval, I would highly recommend chatting with them first. That’s what I did. I honestly believe they give different answers based on the individual.
Good luck on that Hilton application when the time is right for ya! 😃💯
I have 2 personal credit cards (BCE and Hilton Surpass) I have 1 business credit card (The Lowe's card) I have 2 charge cards (Gold and Green) and I am an AU on my mother's Everyday card. If I get another one it would be the Amazon Prime business card. As far as the rule, like most things in life, off the record everything is done on a case by case basis.
The Amazon biz card is a great one to have! 💯
I love how respectful you are to customer service reps. Question for you, I have the Platinum card, gold and business blue plus card. I got my business card just days ago. But I don't think I did enough research on all the business card. The business GOLD card might actually be a better fit and not the business blue plus card. I would rather have the buz gold instead. Do you suggest I apply for the gold card and close the business plus or keep the business plus and apply for the business gold card. the 4X points on most spend categories is what I like most. Thanks.
Hey Paul - totally up to you regarding closing the Blue Business Plus (BBP). It's a great card for non-category spend with no annual fee and can be a great way to keep your points active if you ever decide to cancel other cards with fees. That said, the BBP will take one of your 'Amex slots' (that is, Amex allows most people to have 4-5 total credit cards). So if you have no need for it, and want to free up the slot for another Amex credit card, you can let it go.
NICE! Thank you Mark! :) great vidoe!
Thanks! And thank YOU for bringing it to my attention 🥇
I have 9 total, but have always been told 5 credit cards was the limit and that's what I have. I've tried to apply for the sixth, shot down each time. 🤣 Each rep always said there was no limit, but I've come to the conclusion that most of them are pretty clueless.
Nice 9-card lineup! Yep, I too was shot down. The customer service dept. definitely needs to have a common response to this question 😄
I agree, Amex reps are pretty clueless. I have 5 credit cards, tried to apply for a 6th as a test and was DENIED!
MARK! We need another video like this for Chase! I called Chase directly and spoke to two separate representatives. I wanted to go after the the Chase Freedom Flex to get the $200 bonus. However, I am over my 5/24 so I asked them if I applied and get automatically declined (for being over 5/24) will they pull my credit. And both representatives began to say there is no such thing as 5/24 and that is a quote on quote “myth” or “false statements” and that Chase does not have that policy anywhere in their credit card polices. DIG DEEPER MARK, get to the bottom of it.
Haha - 5/24 definitely exists; you can ignore what those reps said 😄✌️ I did this video for Amex because they do have a 'hard limit' to the number of cards. Chase does not, so no need for a video right now. You're free to get as many Chase cards as you like; the only limit they have is the total amount of credit that will be extended to someone 👍
@T-Millz for a data point, I was denied because of too many credit cards in 24 months as my denial reason this month. Told my banker that one card was authorized user and not responsible for it. He told me that there is a rule of 5 in 24 months. I also called reconsideration line and told him same thing about the denial reason and authorized user account and he admitted it. I got my approval after that.
Mark, like I said before, I joined on 2/14/22 and I have the EveryDay, Blue Business Plus, Blue Cash Everyday, Amazon Prime Business and the Blue Business Cash and all 5 were approved. I tried to apply for a 6th and was denied. Based on my experience.
While charge cards or no preset limit, I only have 1 in the Green card excluding that.
Impressive start to your journey, well done!
Wow, crazy ride! In my experience it’s been 5 credit and 10 charge (though I’ve never actually had 10 charge cards 😂).
It was a theme park of conversations 🎢😂
Hello if this comment helps, I just want to spread my experience. I had 4 regular cards, one was a business (Amazon Prime), and the other 3 were normal cards. I also have a gold and platinum card, but those are Charge cards, so in regards to the regular cards I have 4. My point is that I saw your video and I applied for the Business Plus card since I’ve been wanting it for a while, and got approved. So as far as I know now, it’s 5 revolving credit cards, and 10 charge cards.
Thanks for the data point, and CONGRATS on your Blue Business Plus approval! 💯
Outstanding video! Thank you. Very interesting and entertaining!
Thanks Tremayne! Glad you enjoyed it 👊
I have 9 Amex cards The only issues I’ve ever Had was getting 2 cards in 1 day or 3 cards within 90 days my Personal cards are plat/gold/BCP/Amex Everyday/Cash magnet my business cards are lowes/amazon prime/hilton/blue business plus my highest limits are on the branded cards by far I’m not sure if I was just able to get so many because a few of mine are co branded
Wow! That's 7 'credit' cards - congrats on bypassing their crazy rules 😁
I already have 7 (Combination of Business, Personal, Authorized User).
Solid Amex setup right there! Well done, Ted 👊
Also do you ever leverage credit to start/create business? Or do you just have your own business already that’s doing just fine 👍?
I personally don't ✌️
I have 8 personal Amex cards.
Fantastic! How many of those are charge cards (e.g. Green, Gold, Platinum, Centurion)?
@@MarkReese Platinum, Schwab Platinum, Gold, the 3 Hilton cards, Delta gold and Bonvoy. I had the no annual fee Delta but Amex is giving me 40000 points for spending $2000 in 6 months and waiving the annual fee to upgrade. I’ll downgrade in a year. I’ll apply for another credit card as an experiment to see if I get declined. Going cancel all the charge cards when the annual fees are due.
@@joeh6632 - Great card lineup! Well done on building up your Amex portfolio 😃👊
New subscriber here. This is by far the BEST video regarding the number of Amex cards one can have! 👏🏽👏🏽👏🏽 Thank you for your most thorough investigation. 🕵🏼♂️
UPDATE: As of 3/18/2023 I have a total of: 3 charge cards (Platinum, Gold, & Green); 4 credit cards (HH Surpass, BCP, BCE, & Cash Magnet); and 1 business card as BB Plus.
DATA POINTS: Experian FICO score = 767; Utilization = 5.26%; Overall Available Credit = $95,100; Annual Salary = Over $155K. Hope this was helpful.
Thanks Liana - glad you found it helpful! 😃✈️
I currently have the platinum, gold, bbp, lowes, and just got the delta reserve yesterday. I plan on getting the hilton aspire in February and ima get the marriott card if they let me get 5👌🏾
NICE! Good luck on the next applications!
Thank you.....I wanted to know this info....Thanks Again.
Glad it helped, Alexis!
Very instructive video! Thank you!
You're very welcome!
I personally manage someone’s accounts and they have 70 basic card AMEX accounts.
Haha 😂
You should do one for aus on the platinum.
Good suggestion 😃👍
I can confirm that it is 5 credit cards and 10 charge cards. I easily gave up my Amazon business for the BBP.
Thanks for confirming! 🏆 Did you decide to get Chase's Amazon card instead?
@@MarkReese oh no, I meant the Amex Amazon business card. Probably my least beneficial card in my Amex lineup.
@@j0epark1 - Correct, so now that you got rid of it, did you then replace it with the Chase version to keep earning 5% while freeing up that Amex slot? 💳
@@MarkReese oh no, I had the Amazon store card even before the Amex Amazon card. So I’ll still be receiving 5% from that. I did have the Chase Amazon too, but I ended up converting it to the Chase Freedom while still being able to receive the sign up bonus which was really nice.
@@j0epark1 - Awesome, you're playing the game well 🏆👊
I currently have 6 credit cards and 2 charge cards. I will be getting a third charge card shortly
Awesome, good luck on the application!
I currently have 3 Biz CC and one Biz charge card.
Solid 😎👊
Mark, thank you. I found this to be one of the best credit cards videos in the RUclips space for a while. Really appreciate you doing the research behind this. As someone with 10 charge and 5 personnel I hope they expand the limit soon but for now it seems it is the same as it always has been.
Glad it was helpful! Nice Amex Card lineup!
The 25,000 rule where you may get audited. Whet of today you request and receive a limit of $24,000. But six months later they auto increase you 5,000 more. You’ve gone over the 25,000 auto rule. Do they ask you before they auto raise or does it just happen? If so then one should stay away from a high limit
There is no $25K rule.
This was a mess lol
It sure was!
I was recently asked to close a 5th card in order to apply for a new account.
I've been there too 😁👌
Do the same vid for CHASE please
Hi Thanh! Chase doesn't have a limit on the number of cards. Rather, they limit the total amount of credit extended.
Thank you Mark!
Sure thing!
And THAT is exactly why I have no interest in getting any additional Amex cards. Not because of this limit (or not?) But because their customer support staff seem to have no idea what's going on. You always get a different answer. Really have no idea where American Express got a reputation for "excellent customer service." I'll stick with Chase thanks!
Chase has some awesome cards!
Awesome video mark!
Thank you!
How did you get around pop up jail? I'm trying to get the Hilton Aspire but deny the welcome offer.
I’m trying to get that card too. I have the same problem
Asksebby made a video about it. IIRC you have to spend $500+/month for a while on your current cards for several months before you get out. But it'd be best if you watch it yourself
Hey Tommy - I was initially put into Amex Pop-Up Jail for my Hilton Honors Business Card application (a credit card). After some time, my most recent application that was approved was for the Business Platinum Card (a charge card) and it was also a targeted offer. So I'm not sure if I'm fully past the Pop-Up Jail with regards to regular credit cards ✌️
Applyin for my 6th. I got 3 charge cards, 2 are business… 2 credit cards. Im bein told if i continue the application I wont be given the welcome offer and intro APR. So you can apply for this many cards with only 1 credit pull right
It's possible to get that many cards with only 1 credit pull. Just not guaranteed.
@@MarkReese yea I got all them from 1 pull… aint even finna apply for nomore lol Chase freedom unlimited gone be my next pull
This Vid was the bomb!😎
Glad you enjoyed it! 👊
I’ve had six Amex cards for years, all open.
And none of those are 'charge' cards?
*I have 3. Amex gold personal, Amex BBP, And blue cash everyday. Lol*
Excellent choice of cards!
Okay so can I get ur advice!!? I recently got my Platinum card a month ago. And now that I’ve done my research I now wanna get the Gold (rack up points with dining)and Blue Cash Preferred (for my groceries and transit in NYC) How long should I wait to apply for the two? I know one is a charge card and the other is a credit card. Just wanna make sure I do no damage to my credit report and get multiple hard pulls. Thanks!
You should be fine to apply whenever you like. Here's a link to a video with the Amex rules to keep in mind: ruclips.net/video/X4afVAbhc4g/видео.html
Me 2 for the first month
After 4 months 2 personnel 1 Gold Business last night good credit…..
Awesome! 💯
I have 6 card
2021 dic
5 open in 2021
Awesome! Does does 'dic' stand for?
I have 6 AMX personal Cards
Nice! Are any of those 'charge' cards?
OMG so interesting! Now, Amex needs to retrain their employees on what to say to customers LOL! The specialised team seems to know best, so 5 for credit cards and 10 for charge cards seems the most plausible (does Amex even have 10 charge cards?)
Agreed, a standardized response is needed 😄 Yes Amex has 12-13 charge cards.
Excellent topic
Thanks Jesus!
I have 8 Amex cards 5 charge cards and 3 credit cards 💳 and have not had a problem! I love Amex to death ☠️
Awesome! 💯
Do they hard pull once you already with them. I got a delta Skymiles reserve
Usually it's a soft pull once you have a card relationship already in place 😃👍 Awesome that you've got the Delta SkyMiles Reserve!✈️
Hey jeffery loved this latest video on How many Amex card you can have
I personally have the platinum Business card with A/U 2, one Blue cash , one Gold an one platinum card one Hilton Honor Gold A/U
So every time I apply for a new card I get turned down for Blue cash Business card . So with all that do you think I’m over my limit are $1K on blue cash & Hilton each
What were the reasons for the denial?
@@MarkReese to short of time I believe & to many inquiries only had the cards scenes Dec of 2022
But after watching ur videos on how many cards that shouldn’t matter
I should call the reconsideration line which I didn’t do after being denied.
Thx u jeffery for the video it helped a lot I’m call the reconsideration line in see what can be done
@@Anthonyjones-pq4ff - Give the recon. line a call & see what they say.
@@MarkReese Thxz I will & I”ll let u know the out come . Thxz for that video it helped a lot . I like to know the real Answer is it five or what . Lol
I have 5 Amex personal cards and 6 charge cards. I just received the Delta platinum business card targeted email offer. Given the fact that this is a targeted offer and a business card, is there increase in chance to get an approval for 6th personal card?
Not necessarily. I've never seen a targeted Amex card offer that was immune to the 4/5/6 card rule (the max # can vary). It's possible to get approved, but I don't know what your account's internal limit is in terms of how many credit cards Amex will allow you to have.
The question you should've added is, "What is the highest number of non-business cards that you've seen on one customer's account?"
Ooo good question right there!
So can I have 3 personal and 2 business credit cards
Sure.
@@MarkReese thanks
Good vid. Not sure why someone would want that many cards from one issuer. Amex is one of my favorite companies but too me most of their cards over lap in some way or the other. I would not want more than one card (maybe two depending on the offerings and company) as it does not make sense (to me personally and again depending on certain factors). Now I do have the Amex Blue cash and Platinum cards as they serve my purposes. The only other card I want Period(or as of my long term plan/goal) is the Centurion so that is my next target card and the only other card I would get from Amex! YES!!
Only makes sense to get the cards the work for your situation! Let the Path to Centurion begin! 🥂
@@MarkReese I agree. And Centurion!! YES!! 👍🏾👍🏾🙂
@@byronjeffery2576 😎👊
Let me ask this so I was approved for the amex Marriott card and Amex gold 2 week ago. So I have to wait 90 days for to get another Amex card
Not necessarily. The 2/90 Rule applies to _credit cards_ specifically. It doesn't apply to charge cards (which includes the Amex Gold Card).
Well I remembered that AMEX CSR mentioned 5 max CC
Yep, that seems to be the max right now 👊
@@MarkReese The reason why I asked the CSR to transfer my call to the correct department because I have had the Blue cash preferred for 8 months but last 2 weeks I received 2 targeted offers to apply for Gold 75k of 5k spending in the first 3 months and the Platinum 125k of 6k in the first 6 months who the CSR in that department confirmed as long as I did not apply before then I would be eligible for the bonus and max 5 CC.
@@qahtanalqaysi5116 - Awesome! Which offer do you plan to get? 😃
@@MarkReese I already got both.
@@qahtanalqaysi5116 - NICE! 🏆
Hi Mark,
I currently have the BBP, Vanilla Plat, CS Plat, Amex Gold, Delta Plat, BCE, and the Hilton Surpass. I’m eyeing either the Green or Amex everyday preferred card for the SUBs…. But unsure if I will get approved for either solely based on my total accounts with Amex.
Just watched your video (great video). I was hoping to get your thoughts solely based on the number of Amex cards I have do you think I can get one more? Lol 😂
(PS: Yes I’m aware it will vary as the Green= charge card, Everyday preferred = credit card)
Can't guarantee anything, but since you're at 4 credit cards and 3 charge cards, you should be eligible for more.
Amex generally allows up to 5 credit cards and 10 charge cards.
@@MarkReese awesome, thanks so much for the response! Much appreciated! 🙏🏼🙏🏼
I think I will give it a go. If I do and I’m successful or unsuccessful I will be sure to report my DP.
@@brad159us6 - Good luck! 💯
Hey boss, do store cards like macy amex still get you in there system?
Hey Anthony - they do not. Amex is simply acting as the network payment processor on the back end. The cards are not actually issued by Amex.
Okay I would have done three things here…. First asked them on Twitter, getting to a higher up like a supervisor, and thirdly pre qualified to see if it would pick a card for you without hurting your credit… honestly and I’m sure you may think the same but do you think if all credit card companies were U.S. based we’d have a more accurate answer? Language Barriers I believe play a big role… you really investigated this and you were given mixed answers. It seemed like you have more accurate answers on the phone though. I’m not sure where Amex outsources their company but is better than other credit card companies when calling. And yes idk y they do automatic robots it’s so annoying no one wants to talk to a robot unless it’s like the most common FAQ I guess 🤷♂️
And the person on Twitter isn’t gonna be some outsources regular joe working the Amex Twitter account so I believe if they did give you an answer it would be the most accurate
It was a wild ride for sure 😄✌️ Not sure if all support being U.S. based would lead to a consistent answer.
Good evening Mark, how much credit will AMX give a person? I currently have 2 personal cards and 1 business credit.
There's no maximum limit I'm aware of. That would likely be based on credit score, income, and other factors.
@@MarkReese thank you. I recently applied for AMX blue cash preferred. They gave me a $10k limit. Then a got a letter from them saying “we determined this figure by taking into account all of your accounts and spending on these accounts”. I saw that the reduced my limit on my Aspire card by $10k. Lesson learned. Make sure a put more spend on my card. I wasn’t using my Hilton card often enough. Thx
MARK I GOT APPROVED FOR THE PLATINUM CARD!
HECK YEAH! 🔥 That's what I call a great day! Congrats 🎉
@@MarkReese I’m traveling this year and all of next year so I made the executive decision to apply for this card I was going to wait for the chase card, but idk and hopefully knock on wood so far my new card hasn’t been reported on my account
@@koolkixz2572 - Good card to have for upcoming travels ✈️
what about the departmental store cards like macys? is that included in the count?
Nope. Those cards are not issued by Amex. Rather, Amex is on the backend serving as the payment network like Visa/Mastercard would.
@@MarkReese does that mean all visa cards are backend cards only. is there any visa card issued by visa?
@@wd4050 - Correct. Visa is not a card issuer (and Mastercard isn't either). Credit cards are issued by banks. For example, the Macy's American Express Card is issued by _Department Stores National Bank._ The Best Buy credit card is issued by Citi. The Nordstrom credit card is issued by TD Bank.
Let’s say if have 3 cards I was add as a authorized user and I have 1 from my personal side how many could I get or will they factor as a total personal and beening added as a authorized user.
Authorized user cards are not counted as part of your personal maximum.
I got 99 cards, but a Blue Cash ain't one.
Comment of the Week Award goes to you 😂 Here's your trophy 🏆
Lmao…love it
@@MarkReese I agree
Hi Mark. Question… Why did my new credit card high balance still report my statement balance that I charged on the card (2,300) for the month as high balance on my report? I paid it down to 900 by closing date. I thought the high balance would be the remaining 900.00. That card has a 5,000 CL. Cycle is 3rd-2nd each month and DD is 27th. Thanks.
Hi Tiffania - to clarify....
- On which day did you submit the payment?
- On which day did the billing cycle close?
@@MarkReese last payment submitted on 8/30, closing date on 9/2.
@@tiffaniacarter2217 - The payment likely didn’t get processed in time. Next time I would pay even earlier.
How many Centurion cards can one have?
My guess is 2-3 😎🥂
I want to get the Amex gold do I have to get a Amex card for example the Amex everyday and then apply for the Amex gold ? I have 5 cards in 30 months different banks what should I do ?
Hey David - no need to get another card first; there's no specific pathway you need to follow. The Amex Gold Card could even be your 1st Amex card.
I have 9 American Express cards.
SAWEEET! 👊💥 Which one(s) get the most use?
@@MarkReese My platinum and Gold. I have 10 now. I just got the green business.
@@MarkReese By the way, great video.
@@HighFrequencyRadio - Congrats on the 10th! 💥
What if you want to switch out one card for another but take advantage of any offers? Do I have to sign up again or can I just switch one card out for another?
Hey there - Amex does allow product changes from one card to another, although there are restrictions to that based on card type and card family. Also, product changes means no welcome bonus. An exception would be a targeted 'upgrade bonus.'
Mark the type of dude to scrub the gas station urinal after he's done.
#HighStandards 👌
I'll always be Team Chase all the way!
😎👊
Love all you videos, thanks for your efforts. I have an Amex question. Currently I have Hilton surpass, got it Dec 2019. I’m thinking of changing to aspire as I like the benefits more and I don’t usually meet the 15k spend for free night. Question is should I try to upgrade the surpass to aspire or cancel surpass and have my wife apply for aspire to get the sign up bonus? I have several other older cards but alway worry about closing accounts. Thanks
Hi Pavan! Is the Hilton Honors Surpass the only Hilton card you've opened so far?
@@MarkReese yes
@@pavanpancholy9727 - If you do an upgrade, you won't receive the welcome bonus. However, if you get targeted specifically for an upgrade bonus, you would receive that. That said, if the bonus isn't important to you, you could go with the upgrade route. If you do want to get the bonus, then I recommend applying for the HH Aspire 👍
Hey Mark, I got my first city card May 27th. It was the double cash card. I’m wanting to apply for the custom cash card, and wondering how long I should wait? It’s been roughly 100 days since I opened the double cash account, and I’ve made my payments on time every month (actually I pay it every week). What are your thoughts? I’m just wanting to have as many opportunities to get 5% back on different purchases as possible.
Hey Alli! You should be ok to apply now 👍 For Citi personal cards, the rules are:
- 1/8 Rule: You can submit 1 application every 8 days in order to be considered for an approval.
- 2/65 Rule: You can submit 2 applications every 65 days in order to be considered for an approval.
If your credit age and score is really good, consider getting something like the city premier (80000 points sub) and then product changing to the custom cash (20000 points sub) on your 13th month. They’ll refund the second annual fee.