This includes business cards but excludes charge cards (now just called “cards” by American Express). 5 Credit Card MaximumĪmerican Express limits customers to having 5 or fewer credit cards at 1 time. You’ll only be approved for a maximum of 1 credit card every 5 rolling days. You’ll only be approved for a maximum of 2 credit cards every rolling 90-day period. Here are a few “rules” you’ll want to keep in mind before applying for an American Express card. Image Credit: via ShutterstockĮach bank has different rules when it comes to applying for credit cards, and American Express is no exception. You can check the status online or by phone if you’re not immediately approved for a credit card. Hot Tip: If you are under 21 years old (without your parent’s permission), don’t have a Social Security number, or are unemployed, you most likely won’t be approved for an American Express credit card. The Minimum Requirements for American Express Cards If your credit history isn’t great, try to improve your credit score before applying again. Amex takes into consideration your history with them as well as with other banks. Your history with American Express isn’t great.An application’s pending status can sometimes be due to a typo or other unintentional error. You made a mistake on the application. ![]() Business credit card applications can be a little more complicated than applications for personal credit cards, so you might need to provide some additional details to American Express to confirm the details of your business. You applied for a small business credit card.If this is the case, it might help to lower the credit limits on your existing cards. If you already have a couple of American Express credit cards open, you might be nearing the maximum credit they are willing to extend to you. You already have a lot of credit with American Express.American Express doesn’t have a 5/24 rule like Chase, but there are restrictions on how many credit cards you can have (more on that below). This is a common problem for those of us who love travel rewards credit cards. You have applied for too many credit cards.Here are a few reasons why your approval could be delayed: There are many reasons you might not get immediate approval on your American Express credit card application. ![]() Reasons You May Not Get an Immediate Approval ![]() This post will cover everything you need to know about your American Express credit card application status and what to do if you aren’t approved immediately. The good news is that there are ways to check your application status while waiting for approval. Applying for a new credit card can be stressful, especially if you don’t get an immediate approval.
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