Ever since I documented how to get 5X points pretty much anywhere using a Chase Ink Bold credit card (see “One card to rule them all”), I’ve been asked many times how many Prepaid Amex cards each person can have. Confusingly, I have two answers:
According to the Amex FAQ, you can order 3, but only have 1 in your name:
An adult over the age of 18 may order and manage up to three American Express Prepaid Cards in total (including if one is purchased for him/herself). Each American Express Prepaid Card User can have only one Card in his or her name.
Before I read the FAQ shown above, I ordered a second prepaid card for myself. It arrived without any trouble. Once I received the card, I called to make sure I wasn’t doing anything wrong. The Amex rep assured me that each person can have up to 3 for themselves. Since then, I’ve happily used two cards in my name without any trouble. It is worth mentioning though that one card lists my name as “Greg” whereas the other lists my name as “Gregory”. I did that, not to trick Amex, but to have a way to differentiate between the two cards.
So, I don’t know which of the above answers is really right. Have you tried ordering more than one for yourself? What has your experience been?
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|Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months. Some exceptions that do not fall under the 5/24 rule include: British Airways, Hyatt, IHG, Marriott Business, and Ritz Carlton.|
|Amex 5 credit card limit: If you apply for a new Amex credit card, you may get turned down if you already have 5 or more Amex credit cards. Both personal and business cards are counted towards this limit. Charge cards, though, are not counted. You can apparently get as many charge cards as you’d like, and the number of charge cards you have does not affect your ability to get up to 5 credit cards. Authorized user cards are also not counted towards the 5 credit card limit. See also: Which Amex Cards are Charge Cards vs. Credit Cards?|