It’s common knowledge that AMEX will only let you have 4 CREDIT cards, but there were data points that some people were able to get 5 CREDIT cards, my wife being one of them. I don’t think anyone has dug into this deeper on why some people have been able to get 5 and some only 4. Well, a reader this past week tried to get his 5th and 6th AMEX cc and here were the results. He already had a personal SPG, ED, DL Plat, and DL Biz Gold at the time of application.
The reader actually submitted his 5th AMEX CC (an SPG Biz) and then submitted for the 6th AMEX CC (Hilton Surpass) back to back. He let the apps ride it out and didn’t call in. The SPG Biz was denied after a few hours, and Surpass email approval came after 2-3 days. The rejection letter for the SPG biz cited “you currently have the maximum number and type of AMEX card accounts that we allow.” Now, it could be that AMEX processed the Surpass app before the SPG Biz, but that doesn’t sound very likely. The more likely scenario is that the Hilton cards seem to not be affected by the 4 card limit.
Other data points
I asked on Twitter “how many people have 5 AMEX CC’s and a Hilton was one of them?” About 4 people responded that yes, a Hilton was one of the 5. I asked other readers and another handful gave the same data point – that a Hilton was in one of them. I wasn’t able to find anyone who had 5+ AMEX credit cards without a Hilton (let’s exclude the old timers who were grandfathered into the old rules.)
The only dissenting data point (out of about 10) was that 1 reader who had 4 cards (1 of them being Surpass) was rejected for a 5th card. There may be more out there.
A couple of things we know:
- If you have 4 AMEX cards (without a Hilton), you are most likely NOT going to get a 5th card (unless that 5th one is for a Hilton card)
- If you have 4 AMEX cards (with a Hilton), you are LIKELY to get approved for a 5th card (Hilton or AMEX)
The order doesn’t seem to matter. Some had a Hilton in the 4 and got a 5th non-Hilton. Some had no Hilton in the 4 and got the 5th as a Hilton, so order doesn’t seem to matter.
So do you have 5 AMEX CREDIT cards? Is a Hilton one of them or were you grandfathered into old rules? This does beg the question – if you have both Hilton cards, can you now get 6 AMEX CREDIT cards (4 AMEX + 2 Hiltons?) I may test this with my wife next year.