Difference between revisions of "Amex Limits"

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Latest revision as of 13:36, 21 May 2020

  Credit Card Strategies

You can only have 4 Amex credit cards and 10 Amex charge cards at a time. This constrains your ability to get all the Amex cards you may want and also collect Amex signup bonuses.

The 4-card limit applies to your total number of both personal and business cards. But it doesn't include Amex's "charge" cards. Charge cards don't have fixed credit limits and need to be paid each month. They include Amex's Platinum, Gold, and Green cards.


  • Amex has several credit cards that you might want to make part of your core credit card collection. Each one of these cards will take up one of your four available slots.
  • Depending on your circumstances, you may want:

  • You may not have room to get all the cards you want. If so, you'll need to prioritize the benefits that are the most important to you. However, you can always swap them out if your prioritization changes.
  • Getting any of these cards will constrain your ability to earn Amex signup bonuses. For example, if you are holding onto three of these cards for their ongoing benefits, you'll only have one slot left open for collecting signup bonuses. To keep a good relationship with Amex, you need to keep new cards for at least year. So, you'd be limited to only one new Amex signup bonus per year. If you use up all four slots, you won't have any slots left over for signup bonuses.
  • Fortunately, many of Amex's most attractive signup bonuses are on their Platinum, Gold, and Green "charge" cards and they are not affected by this limit. On the other hand, all six of the Delta cards, all three of the Hilton cards, and both Marriott cards have very lucrative signup bonuses that you probably don't want to miss out on.

  • To optimize your signup bonuses, try to postpone getting Amex "keeper" cards. For the first few years, keep some Amex slots open to use to collect signup bonuses on their other cards. Once you've worked your way through the valuable signup bonuses, get the cards you want to keep for the long run. Obviously, you can strike a balance between the number of slots you keep open (and the corresponding speed at which you can earn signup bonuses) and getting earlier access to desired benefits.
  • Because Amex is relatively insensitive to the quantity of cards you have, you generally want to get cards from other banks first, before you start focusing on Amex cards. This delays your ability to get your Amex keeper cards even further.

  • Since many Amex cards are part of families, you can slowly move through each of the versions and maintain access to important benefits. For example, let's say you want access to the free bag benefit on Delta and that you think it is worthwhile to pay the premium for the Delta Platinum card for its companion certificate. Rather than getting the Delta Platinum card right away, you can your slots to gradually get every one of the Delta cards. While you were doing so, you'd have ongoing access to the free bag benefit. You'd save the Delta Platinum until last and hold onto it indefinitely.
  • Postponing Amex cards with attractive earning rates is an easy proposition. Unless you are doing manufactured spending, while you are collecting signup bonuses, you'll be focusing your spending on meeting the requirements for earning signup bonuses. It is easy to postpone getting cards whose primary benefit is earning more points on your spending.



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