We may earn a commission from some links on this site. It never changes which cards we list or what we say about them. How we make money

American Express credit cards

32 cards issued by American Express, including Delta, Hilton, Marriott Bonvoy, Charles Schwab, Morgan Stanley cards. Open any card for every credit, when it resets and whether it needs activation.

Application rules

What applicants have reported about approvals. Banks don’t publish most of these. All banks’ rules

2/90 Firm rule

No more than two new Amex credit cards in a 90-day span. Charge cards such as Platinum, Gold and Green are left out of the count. A third credit card application within 90 days is usually turned down.

1/5 Soft rule

One new Amex credit card every 5 days at most. A second application within 5 days usually sits in pending until the 5 days are up.

5 credit cards Firm rule

You can usually have up to 5 Amex credit cards open at the same time. Charge cards are separate. With 5 open, new Amex credit cards get declined. Closing or downgrading one frees a spot.

Personal cards 16

Platinum
American Express
Fee $895Credits $3,024/yr
Platinum for Charles Schwab
Charles Schwab · American Express
Fee $895Credits $3,124/yr
Platinum for Morgan Stanley
Morgan Stanley · American Express
Fee $895Credits $3,919/yr
Delta SkyMiles Reserve
Delta · American Express
Fee $650Credits $590/yr
Marriott Bonvoy Brilliant
Marriott Bonvoy · American Express
Fee $650Credits $330/yr
Hilton Honors Aspire
Hilton · American Express
Fee $550Credits $819/yr
Delta SkyMiles Platinum
Delta · American Express
Fee $350Credits $420/yr
Gold
American Express
Fee $325Credits $520/yr
Marriott Bonvoy Bevy
Marriott Bonvoy · American Express
Fee $2501 credit
Delta SkyMiles Gold
Delta · American Express
Fee $150Credits $220/yr
Hilton Honors Surpass
Hilton · American Express
Fee $150Credits $200/yr
Blue Cash Preferred
American Express
Fee $95Credits $120/yr
Blue Cash Everyday
American Express
Fee NoneCredits $264/yr
Delta SkyMiles Blue
Delta · American Express
Fee NoneNo credits
Hilton Honors
Hilton · American Express
Fee NoneNo credits
Centurion
American Express
Invite only
Fee $5,000Credits $1,569/yr

Business cards 12

Closed to new applicants 4