Maximum number of AmEx Products?

[spirith20]

I believe I have read this in a previous thread but I couldn't find it anywhere…what's the maximum number of AmEx products an individual can hold at one time? Is it 3?

 

[swazzie]

4 personal credit cards (though there are reports of folks exceeding that limit). No limit on charge cards.

 

[MilesJunkie]

4 personal credit cards (though there are reports of folks exceeding that limit). No limit on charge cards.

4 credit cards but that includes business cards too.

 

[SanDiego1K]

I have three personal and two business.

2 Hilton AMEX
1 SPG personal
1 SPG business
1 Gold business

 

[MilesJunkie]

I have three personal and two business.

2 Hilton AMEX
1 SPG personal
1 SPG business
1 Gold business

Gold biz is a charge card, not credit card. So you have 4. Unlimited charge cards.

 

[midnightinharlem]

Wouldn't mind hearing what folks are using their 4 credit slots for. I have the following:

SPG Business
Everyday Card
Blue Cash Everyday

Contemplating either the SPG Personal or SimplyCash Card for my 4th spot.

 

[swazzie]

My slots are filled by:

Blue Cash Everyday (opened 3/14)--$250 sign-up bonus
Old Blue Cash (9/14)
No Annual Fee Hilton (12/14)--60K point bonus

I just cancelled a little-used Amex Blue (2/08) last week, so no MR cards. I maxed out the BCE CB this year and last; the last CB will post in April. I'll apply for Blue Cash Preferred in April (a better CB return than BCE even with the annual fee since I know I'll max out the $6K) and cancel the BCE if that's approved. These are the only Amex cards I've had. I plan to keep the OBC and BCP long-term, but not the Hilton card.

In my dreams, removing the Blue and not applying for the Everyday MR cards will increase the chance of a 100K MR Platinum or other huge offer (I know the Platinum won't take up a slot). With the one bonus per lifetime rule in addition to the 4 slot rule, I'm weighing my options carefully before deciding to apply for any other Amex cards.

 

[sound48]

SPG business
Hilton no fee
Blue Cash everyday
Amex gold
Amex business platinum

Ideally, I'd like to get 3 or 4 Delta cards one year to get elite status without ever getting on a plane. But want to wait until I don't have American status so I can status match to AA. Also still want to get old blue cash, even with the limit.

 

[Gloobnib]

OBC
SPG Personal
SPG Business
Amex Business Gold

Had MB Platinum back when they offered 75K signup bonus. I no longer need the benefits, and the $450 AF, it just wasn't worth it anymore.

 

[Sesq]

No Fee Hilton (may change this out, Delta is about all I haven't gotten a bonus on unless I do Biz SPG)
OBC
Everyday Base (hoping to play the upgrade downgrade game)
Simply Cash (8% at Hyatt)

Charge card - Biz Plat will dump when the AF comes.

 

[Burgertm]

SPG - Personal
Delta - Personal
Blue Cash - Personal
Platinum - Business

Probably dumping the Plat once the fee hits since I just picked up the Citi Prestige.

 

[gilapoin21]

SPG (opened 3/15/14)
SPG Biz (opened 6/24/14)
OBC (opened 7/1/14)
JetBlue (opened (opened 2/16/15)

I'm thinking of closing JetBlue (already got the bonus) and get Hilton Surpass.
Also planning to switch SPG Biz to Simply Cash (this never has any bonus, right?)

Thoughts?

 

[MilesJunkie]

SPG (opened 3/15/14)
SPG Biz (opened 6/24/14)
OBC (opened 7/1/14)
JetBlue (opened (opened 2/16/15)

I'm thinking of closing JetBlue (already got the bonus) and get Hilton Surpass.
Also planning to switch SPG Biz to Simply Cash (this never has any bonus, right?)

Thoughts?

I think Simply Cash had or maybe still has $400 bonus.

Also I see more people saying they get more from retention on SPG Biz than personal version, for whatever reason.

 

[gilapoin21]

I think Simply Cash had or maybe still has $400 bonus.

Also I see more people saying they get more from retention on SPG Biz than personal version, for whatever reason.

I don't see the bonus on Amex site. I'll see if I can find another link.
The reason I'm leaning towards closing SPG Biz is because it's churnable. Isn't that right?

How strict is this 4 card limit?
Is it a good idea to go for it and then call in and close a card if it doesn't work?

 

[MilesJunkie]

I don't see the bonus on Amex site. I'll see if I can find another link.
The reason I'm leaning towards closing SPG Biz is because it's churnable. Isn't that right?

How strict is this 4 card limit?
Is it a good idea to go for it and then call in and close a card if it doesn't work?

Oh if you're churning the Biz cards, then the retention is moot. And yes, it should be every 12 months for Biz card bonuses.

$250 bonus linky posted on FM

http://frequentmiler.boardingarea.com/best-credit-card-sign-up-offers/#AmexMR

If you already have 4, they'll decline you until you call & tell them you'll close a card...

 

[gilapoin21]

Great! Thanks for the info and link.