The Amex 5 credit card limit stands. And and update regarding my accidental SPG card applications

A few weeks ago, I accidentally signed up for the consumer SPG card.  I was expecting to see a popup warning me that I wasn’t eligible for the card, but received an instant approval instead.  That became my sixth Amex credit card (I have other charge cards too, but that’s irrelevant here).  This was surprising because it seemed to blow out of the water the “max 5 Amex credit cards” rule.  So, to really put the limit to the test, I also applied for the SPG business credit card and was instantly approved for that too.  Now I have 7 Amex credit cards.

The 5 Credit Card Limit Stands (for most)

Since asking the question: “Is the Amex 5 Credit Card Limit Gone?” the answer has become clear.  Many people, including my wife, have since encountered the 5 credit card limit.  This is enforced only when applying for a new credit card (charge cards aren’t counted and aren’t effected).  For those with 5 or more Amex credit cards, the new application typically won’t be approved unless you first cancel a card to get under 5 total credit cards.

The reason I was approved for these cards seems to be a fluke.  Even though I signed into my Amex account when applying, Amex seems to have thought I was a new customer.  This was evident in the instant approval message for the consumer card which stated “Member Since: Today!” (thanks to JayP for pointing this out)

What about my welcome bonuses?

The consumer SPG card appeared in my mailbox within a couple of days.  The business card took longer to arrive.  In both cases I met the welcome bonus minimum spend requirements immediately in order to see if I would get the bonus on either card.

Technically, I shouldn’t get either bonus since I’ve had both cards before.  I cancelled my previous SPG consumer card 3 years ago, and cancelled a SPG business card just over 1 year ago.  And both card welcome bonuses are usually subject to the lifetime rule (you are not eligible for the bonus if you’ve had this card before).  However, yesterday I logged into my Amex account and found a pretty sight under my SPG consumer card account: 75,000 points earned!

The last four digits of the loyalty number (hidden under my “YES!”) don’t match any numbers I know of, so I think that they created a new SPG account for me.  Once I figure out how to access that account, I should be able to merge it into my regular account.

My SPG Business account, meanwhile, has yet to show the 100K bonus.  This is what I’ve seen since opening the card:

I’ll publish a quick update if that bonus ever posts.

About Greg The Frequent Miler

Greg is the owner, founder, and primary author of the Frequent Miler. He earns millions of points and miles each year, mostly without flying, and dedicates this blog to teaching others how to do the same.

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AMEX Rewards Team
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AMEX Rewards Team

Thank you Sir, we ‘ll get it fixed right away!

P-nope
Guest
P-nope

Isn’t creating another Starriot account against Starriott terms? Would they shut you down for this?

Credit
Guest
Credit

How come only bloggers always have these happy accidents?

Riddle
Guest
Riddle

Lol I have 8 credit cards cards now.

anonymous
Guest
anonymous

9 here

Dave3584
Guest
Dave3584

I have 7 credit cards and 2 charge

Josh
Guest
Josh

I also had 5 credit cards (plus 3 charge cards) and applied for the two SPG cards after reading Greg’s story and got instant approval too.
BTW: Greg, how many days did it take for the points to show up in your AMEX account after the charge posted?

JustSaying
Guest
JustSaying

Don’t bother calling Marriott to help you merge those accounts. The wait time on the West Coast was an hour before I hung up During business hours. And they aren’t answering their help emails when your accounts won’t merge online. Can’t wait for Hyatt Small Luxury hotels to join the ranks. Marriott is so yesterday for luxury travelers.

George
Guest
George

Yep. My application was pending due to 6 cards (5 credit). Called this morning and was told that I was at the limit of 5 credit cards. After cancelling a redundant Hilton card my Lux card was approved. The only problem with the delay is that I can’t get my new number immediately to use for my current Marriott stay that ends tomorrow.

Jennifer
Guest
Jennifer

i had 8 Amex cards, but recently cancelled one….which leaves me at 7.

JeffD
Guest
JeffD

This is exactly what happened to me. I applied for the SPG Luxury card on Friday thinking I’d be turned down for already having 5 credit cards with Amex. I was logged into my Amex account and did the application with an iPad. Instant approval, but I had to create a separate login for the card which was odd. I received the card today (Tuesday) and shows member since 2018 but the new login shows 2000 which is what it should be. Also the credit limit went up by 5k since the instant approval. I have the same “Not Available” for my loyalty number even though I entered my Marriott number on the application.

wise2u
Guest
wise2u

I got approved for another spg card Friday. I got 2 e-mails about combining my starwood and spg accounts and the spg email has a number I have never seen and I can keep it or combine with MR (whose version of the e-mail doesn’t mention an account number)…personally I would wait until the new number shows the bonus points and Marriott has time to get functional again, then transfer to Marriott. it seems they are giving you the choice of keeping your points under the SPG banner, which makes no sense. So now we have SPG, MR and RC?!? sharing points but keeping their corporate identity? Ritz and family sounds better to me, after Marriotts merger shenanigans I don’t want to say the name of their pathetic chain….with one bonus per lifetime or 5-7 years…and lower earnings, the SPG cards are one time sock drawer cards.

Kane
Guest
Kane

Currently have the SPG personal card and have $110K in spend which was all corporate related. Was hoping to see a bonus for upgrading to the Lux but no bonus offered. Really want to upgrade as I would immediately qualify for Platinum this year being over the 75K threshold, but don’t want to waive ever getting the sign up bonus by upgrading now.

I assume it’s not possible apply for a new SPG Lux and then upgrade my SPG Personal to another SPG lux…which would result in two Lux cards. Of course I’d just cancel the upgraded one after my Platinum status were to hit.

Nick Reyes
Editor

I also think this is possible. In the past, i applied for a Business Platinum and a Business Gold (met spending on each and earned the welcome bonuses). Within the first year, I got an offer to upgrade the Business Gold to Business Platinum. I took the upgrade offer and had 2 Business Platinum cards for a while. Got the upgrade bonus and kept both Business Platinums for a while (chose different airlines). I would expect Lux would probably be the same situation.