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  • FIRST POST
    • Kumara
    • By Kumara 13th Sep 17, 12:46 PM
    • 23Posts
    • 15Thanks
    Kumara
    How many Amex cards can I get?
    • #1
    • 13th Sep 17, 12:46 PM
    How many Amex cards can I get? 13th Sep 17 at 12:46 PM
    I have recently got an Amex card to try. Very impressed so far with the benefits. I got £50 from Quidco, £100 Amazon voucher for spending over £3k (bought some business supplies) and got an extra £15 for registering it on Amazon to use with membership points plus the extra £14 of points from the £3k spend. Phew, so in total around £180 in benefits so I'm very pleased.

    The card is an Amex Gold Business Charge Card. It is in my personal name, but with my sole trader business name underneath.

    I see from their range they have a whole suite of cards with cashback, points and flight points.

    Do Amex allow you to have more than one card per person?
Page 1
    • Filo25
    • By Filo25 13th Sep 17, 12:56 PM
    • 1,149 Posts
    • 1,767 Thanks
    Filo25
    • #2
    • 13th Sep 17, 12:56 PM
    • #2
    • 13th Sep 17, 12:56 PM
    I have recently got an Amex card to try. Very impressed so far with the benefits. I got £50 from Quidco, £100 Amazon voucher for spending over £3k (bought some business supplies) and got an extra £15 for registering it on Amazon to use with membership points plus the extra £14 of points from the £3k spend. Phew, so in total around £180 in benefits so I'm very pleased.

    The card is an Amex Gold Business Charge Card. It is in my personal name, but with my sole trader business name underneath.

    I see from their range they have a whole suite of cards with cashback, points and flight points.

    Do Amex allow you to have more than one card per person?
    Originally posted by Kumara
    I'm not sure on their limits but I have one company one and 2 personal ones, and haven't had any issues
    • The Urbanite
    • By The Urbanite 13th Sep 17, 7:57 PM
    • 106 Posts
    • 44 Thanks
    The Urbanite
    • #3
    • 13th Sep 17, 7:57 PM
    • #3
    • 13th Sep 17, 7:57 PM
    I've presently got three credit cards (Gold, BAPP, SPG). In the past I've had either Gold or Platinum Charge Card plus two credit cards at the same time so assume the limit is at least three.
    • WillPS
    • By WillPS 14th Sep 17, 3:59 PM
    • 201 Posts
    • 93 Thanks
    WillPS
    • #4
    • 14th Sep 17, 3:59 PM
    • #4
    • 14th Sep 17, 3:59 PM
    Two charge cards and two credit cards used to be the limit - I don't know whether Business cards count separately or not.
    • Kumara
    • By Kumara 15th Sep 17, 9:31 AM
    • 23 Posts
    • 15 Thanks
    Kumara
    • #5
    • 15th Sep 17, 9:31 AM
    • #5
    • 15th Sep 17, 9:31 AM
    Which ones are the "credit cards"? I thought they were all Charge (Pay in Full every month) cards
    • bengalknights
    • By bengalknights 15th Sep 17, 9:36 AM
    • 4,158 Posts
    • 1,519 Thanks
    bengalknights
    • #6
    • 15th Sep 17, 9:36 AM
    • #6
    • 15th Sep 17, 9:36 AM
    As Will states its 2 charge and 2 credit cards at any one time

    Charge cards = no credit limit pay off in full
    Credit Cards = Credit limit pay off in full or over time
    • WillPS
    • By WillPS 15th Sep 17, 10:36 PM
    • 201 Posts
    • 93 Thanks
    WillPS
    • #7
    • 15th Sep 17, 10:36 PM
    • #7
    • 15th Sep 17, 10:36 PM
    Their charge cards are:
    • Basic Card
    • 'The American Express Card' (a.k.a. The Green Card)
    • Preferred Rewards Gold Charge Card
    • The Platinum Card (*not* to be confused with the Platinum Cashback cards)
    • Centurion/Black Card (invite only)

    Everything else, with the possible exception of the Harrods card if that is still available, is a Credit Card.
    • eagle
    • By eagle 25th Sep 17, 2:58 PM
    • 582 Posts
    • 57 Thanks
    eagle
    • #8
    • 25th Sep 17, 2:58 PM
    • #8
    • 25th Sep 17, 2:58 PM
    Two charge cards and two credit cards used to be the limit - I don't know whether Business cards count separately or not.
    Originally posted by WillPS
    As Will states its 2 charge and 2 credit cards at any one time

    Charge cards = no credit limit pay off in full
    Credit Cards = Credit limit pay off in full or over time
    Originally posted by bengalknights
    That's exactly what I've read, although it was caveated as a 'general rule', whatever that means.
    • eagle
    • By eagle 25th Sep 17, 2:59 PM
    • 582 Posts
    • 57 Thanks
    eagle
    • #9
    • 25th Sep 17, 2:59 PM
    • #9
    • 25th Sep 17, 2:59 PM
    Their charge cards are:
    • Basic Card
    • 'The American Express Card' (a.k.a. The Green Card)
    • Preferred Rewards Gold Charge Card
    • The Platinum Card (*not* to be confused with the Platinum Cashback cards)
    • Centurion/Black Card (invite only)

    Everything else, with the possible exception of the Harrods card if that is still available, is a Credit Card.
    Originally posted by WillPS
    Harrods card is definitely available - it's not listed on the site under 'Cards' but it's around: they have a whole section on their site allocated to it.
    • Anthorn
    • By Anthorn 26th Sep 17, 8:44 PM
    • 3,173 Posts
    • 817 Thanks
    Anthorn
    The number of cards is undetermined. I have a personal Amex Platinum credit card and a personal Amex green charge card. I have heard that the max is 4 cards but don't quote me on that. The method is to get your first card, build a rapport and then apply for another one and keep doing that until you get declined. Then you will know the maximum.

    Both of my Amex cards are unused. The problem with Amex cards is that they suck big-time. No ATM cash advances unless you apply to join their cash advance program and forget about a balance transfer to your Amex even though the monthly interest rate for cash advances and balance transfers are shown on the statement.

    Good for building your credibility by wafting your Amex card in public so everyone gets a glance of it but that's about it.
    • sausage_time
    • By sausage_time 27th Sep 17, 7:21 AM
    • 74 Posts
    • 16 Thanks
    sausage_time
    ...
    Good for building your credibility by wafting your Amex card in public so everyone gets a glance of it but that's about it.
    Originally posted by Anthorn
    Good for rewards and cashback too. Most people need Amex plus at least one Visa/MC as backup, bit the posts is about "How many" so that should not be too inconvenient for most.
    • chattychappy
    • By chattychappy 27th Sep 17, 7:59 AM
    • 6,398 Posts
    • 3,375 Thanks
    chattychappy
    Good for building your credibility by wafting your Amex card in public so everyone gets a glance of it but that's about it.
    Originally posted by Anthorn
    Yep, when I was doing business in Taiwan and paid for stuff using an Amex Platinum, I got considerable qudos from wafting. And at a cheaper price than staying in a top hotel or flying business class etc. That was in the early 1990s. My 22 year old assistant had a gold card on my account - she wowed her friends with it and loved using it in the shops.

    But with chip'n'pin, wafting takes more of an effort - and with the proliferation of cards of different colours and Amex itself becoming more widely available, the waft effect is somewhat diminished.

    Now I'm older, I waft platinum hair..
    • guesswho2000
    • By guesswho2000 29th Sep 17, 1:56 AM
    • 1,550 Posts
    • 731 Thanks
    guesswho2000
    !
    That's exactly what I've read, although it was caveated as a 'general rule', whatever that means.
    Originally posted by eagle
    2x Credit and 2x Charge is indeed generally quoted, however when I lived in the UK the most I had at any one time was 2x charge (Platinum and PRG) and 3x credit (BA, Platinum Cashback and Gold Rewards), so it's certainly not a hard rule.

    The final approval (Gold Rewards) was referred and manually approved, with a ridiculous limit (GBP 500!), so they clearly were on the verge of saying no! However, I was due to bin off the BA card anyway, so I called them to do that and they moved the limit over to the Gold, to make it somewhat more useful to me to keep it. Still have it now actually!
    • guesswho2000
    • By guesswho2000 29th Sep 17, 2:04 AM
    • 1,550 Posts
    • 731 Thanks
    guesswho2000
    ...The problem with Amex cards is that they suck big-time. No ATM cash advances unless you apply to join their cash advance program and forget about a balance transfer to your Amex even though the monthly interest rate for cash advances and balance transfers are shown on the statement.....
    Originally posted by Anthorn
    Whole heartedly disagree with them sucking though, other than occasional lack of acceptance, I've never had an issue, and the higher rewards earning means they're my first choice.

    Yes, cash advance aren't always available, but they're not designed for that purpose and it's expensive to use that feature anyway (generally if someone is pulling cash from a credit card, they probably shouldn't be using a credit card, given the high fees and interest charges, with the exception of overseas travel, where certain cards are usually the best option, such as Halifax Clarity).

    As Amex was originally a charge card operation (ignoring the fact that their original business was travellers cheques), they've never been marketed as excellent for a revolving balance, hence they don't force balance transfer offers through your mailbox every month (looking at you, Barclaycard!).

    Obviously YMMV, just my thoughts!
    • zerog
    • By zerog 30th Sep 17, 1:59 PM
    • 2,302 Posts
    • 782 Thanks
    zerog
    Yeah, no idea why anyone would want to withdraw cash on an Amex or do a balance transfer to Amex (from Amex is a different matter).

    If you are thinking about withdrawing cash on an Amex, then either it's an emergency (all your other cards were stolen/forgotten, you're stuck in no-man's land with a cash machine that accepts Amex, someone actually has a gun to your head) and the charges are unimportant, or you are about to become bankrupt/commit suicide etc in which case you should really seek help rather than cash.
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