It has long been reported (by The Points Guy, Doctor of Credit, and One Mile at a Time) that American Express has a four credit card limit.

The four cards can be either business or personal credit cards but do not include charge cards (no set spending limit, must pay in full each month).

5th credit card possible?

Then reports started to surface that maybe American Express was loosening this requirement as some people were reporting getting approved for a fifth American Express Card.  Ben at One Mile at a Time tried for a fifth but was denied.

Here is my experience, I currently have:

I had my eye on the Hilton Honors Surpass card with a 100,000 point sign up bonus and a free weekend night on your one year anniversary.



Before applying, I logged into my account and started a ‘chat’ to ask if there really was a limit on the number of Amex credit cards someone could have, here are the answers from two separate reps:




With this information I went ahead and applied and quickly got approved:



But is this really my 5th?

But now I am second guessing myself if I really had four credit cards to begin with.

Even though I converted my original American Express Platinum charge card to essentially be a credit card with the ‘Pay Over Time‘ bonus, maybe it’s still actually considered a charge card?

But on the other hand two different AMEX reps both said there is no limit to the number of cards you can have.

I guess the only thing to do now is apply for the Gold Delta SkyMiles Business card to see if I get approved for my 5th6th, 5th, 6th

How about you?  Do you have five or more Amex credit cards?