Amex Five Credit Card Limit: What’s The Rule, And Which Cards Count?

American Express enforces a limit of five credit cards per consumer, though this restriction is not always consistently applied. The limit includes both personal and business credit cards but excludes hybrid cards (formerly charge cards) such as the Platinum Card, Business Platinum Card, Gold Card, Business Gold Card, Green Card, and Business Green Rewards Card. Authorized user accounts do not count toward the limit. The article notes that while the rule is generally in place, some consumers have been approved for more than five cards. It also mentions Amex's 'Apply with Confidence' feature and 'pop-up jail' for welcome offers