Before you apply for an American Express card, it’s important to learn about the rules to increase your chances of approval. 

The guidelines presented here include non-negotiable rules explicitly stated in the terms and conditions, as well as practical insights gleaned from experience and shared among industry insiders. 

While certain guidelines may apply to a broad range of individuals, there may also be exceptions to these rules that could impact your personal experience.

Terms apply to American Express benefits and offers. Enrollment may be required for select  American Express benefits and offers. Visit americanexpress.com to learn more.
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Rule 1: 18 years old and a U.S. Citizen or Legal Resident

To be eligible for US credit cards, you typically need to meet certain requirements, such as being a US citizen or legal resident and being at least 18 years of age. However, obtaining a card can be challenging for those without an ITIN or SSN. 

That being said, there are exceptions to these requirements, as residency can be interpreted broadly. For example, Canadian citizens who operate a business in the US for a limited period may be able to obtain US cards by using their US mailing address. 

Additionally, even if you are not perceived as a resident, you may still be considered one for tax purposes, which American Express typically looks for. 

Furthermore, there are programs like Global Transfer that allow you to bring your Amex history from another country to the US, potentially improving your chances of getting approved for US cards.

Across the board, American Express tends to be one of the most stringent, so there’s a list of things they require, such as: 

• Your American Express account number
• U.S. Home Address
• U.S. Phone Number
• U.S. Bank account details
• Passport details, U.S.-issued SSN or ITIN
• Employment details 

A big reason for this is just due to the financial compliance that’s required in the U.S.  
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Rule 2: Ideally 700+ Credit Score

Typically, having a credit score of 700 or higher is desirable, although it is not an absolute requirement. In my experience, a score of at least 700 is generally necessary to qualify for most American Express cards, but others may suggest different thresholds, such as 670 or even 650. Personally, I find that aiming for a credit score of 700 helps to minimize the risk of rejection and reduce the hassle of applying for credit.

You might be surprised at how simple it is to improve your credit score if you lower your credit card utilization. However, even if your score is at a satisfactory level, such as 670 or 700, you may still be denied credit due to other factors, such as a high credit utilization rate or being on a blacklist.
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Rule 3: Once-In-A-Lifetime Rule

The intro offer may not be available to those who have previously had the same card or versions of it.

Although many of the features may be identical, these are technically different products, not previous versions. Some issuers may still consider it a disqualifying factor if you have had the same card before or if you did not receive the welcome bonus previously.

This is why it is important to be cautious when upgrading or downgrading your card, as it could potentially lock you out of the intro offer. Since the intro offer is a significant incentive for many applicants, a mistake here could cost you hundreds or even thousands of dollars.

The key takeaway is to avoid downgrading your card unless you have had it before or are not interested in the intro offer.
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Exceptions to the general rule exist, such as:

1. Targeted offers that do not contain "No Lifetime Language" or NLL. While these offers may not have the lifetime language, they are typically only available on business cards and may not be suitable for everyone. 
2. Additionally, some have speculated that the "lifetime" for American Express may be limited to seven years. Despite these exceptions, it is wise to be cautious and not rely solely on them. 

Therefore, it is recommended to apply for cards during elevated offers or use tools like CardMatch to determine if you are targeted for an elevated offer rather than solely relying on exceptions. 
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Rule 4: The 4/5/6 Credit Card Limit

In the past, this was referred to as the Five Card Rule, as American Express historically limited customers to five credit cards. This means that if you already have five personal credit cards and attempt to apply for a business credit card, your application will likely be rejected. If you only have four personal credit cards, you can only be approved for one business credit card, which means that you are limited to a total of five credit cards between your personal and business accounts.

There are also several distinctions between credit cards and hybrid cards. Hybrid cards are those that do not have a specific spending limit, including:

• American Express® Green Card
• American Express® Gold Card
• The Platinum Card® from American Express (Charles Schwab, Morgan Stanley)
• American Express® Green Business Card
• American Express® Gold Business Card
• The Business Platinum Card® from American Express
• American Express® Plum Card

When you log in to view these cards, they typically state that there is no set spending limit. However, there is a limit based on risk assessment, which can change frequently.

All other cards are considered credit cards:

• Hilton Honors American Express Surpass® Card
• Hilton Honors American Express Aspire® Credit Card
• Hilton Honors American Express Business® Card
• Marriott Bonvoy Brilliant® American Express® Card
• Marriott Bonvoy Business® American Express® Card
• Delta SkyMiles® Blue Card from American Express
• Delta SkyMiles® Gold Card from American Express
• Delta SkyMiles® Platinum Card from American Express
• Delta SkyMiles® Reserve Card from American Express
• Delta SkyMiles® Blue Business Card from American Express
• Delta SkyMiles® Gold Business Card from American Express
• Delta SkyMiles® Platinum Business Card from American Express
• Delta SkyMiles® Reserve Business Card from American Express
• Amazon Prime card from American Express
• Amazon Business Prime card from American Express
• American Express® Blue Cash Everyday® Card
• American Express Blue Cash Preferred® Card from American Express
• American Express  Everyday® Cards
• American Express Everyday Preferred® Card
• American Express Blue Business® Plus Card
• American Express Blue Business® Cash Card
• Lowe's Business cards from American Express 

If you have five credit cards, you can still be approved for the American Express® Gold Card, The Platinum Card® from American Express, and other non-credit-card products. The American Express® Gold Card and Platinum cards do not count towards the five-card limit. However, there is some variability in this rule, as some people may be limited to only four cards, while others may be allowed up to six.
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Rule 5: 1 in 5

The rule states that you are only allowed to be approved for one credit card every five days. However, the 1 in 5 rule does not apply to other cards. This means that you can apply for one credit card and any number of other cards on the same day without any issues. However, it is important to keep in mind that you will still be responsible for meeting the minimum spending requirements for each card.

Another thing to note is that applying for multiple American Express cards typically does not have a significant impact on your credit score. Once you have one Amex card, they usually only do soft credit pulls for subsequent applications. Your mileage may vary.
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Rule 6: 2 in 90

If you apply for more than two credit cards within 90 days, you will automatically be rejected for the third one. However, it is important to note that this rule only applies to credit cards and not to other cards. Therefore, you can apply for as many other cards as you want without worrying about this rule.
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Rule 7: Popup Jail

"Popup Jail" is a term used to describe a scenario where you apply for a credit card, and a popup appears, informing you that you can still apply and receive the card but without any intro bonus. The reasons for this can vary greatly, but it is often due to the applicant's behavior being considered unprofitable or not meeting the issuer's criteria. 

Common reasons include low spending on current cards, closing a card too quickly or after taking a retention offer and spending too much on elevated categories. 

To avoid ending up in popup jail, it's recommended that new applicants start with other issuers first, especially if their spending is relatively low. 

Another example is self-referrals, which can result in shutdowns and blacklisting in extreme cases. Ultimately, the issuer is less likely to provide an intro bonus if the applicant is perceived as unprofitable, as it doesn't make economic sense for them to do so.

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Rule 8: One Platinum Rule

This rule states that you're eligible for only one introductory bonus across the various versions of The Platinum Card® from American Express (Standard, Charles Schwab, and Morgan Stanley versions).

Example Scenario: If you’ve had The Platinum Card® from American Express Exclusively for Charles Schwab or The Platinum Card® from American Express Exclusively for Morgan Stanley, you’re ineligible for the welcome bonus of the standard Platinum card. This rule necessitates a strategic approach - choose the Platinum card that offers the most value based on your lifestyle and spending habits.
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Rule 9: 90-Day Platinum Rule

There’s an unwritten rule suggesting you can only be approved for one Platinum card every 90 days. While this might be flexible, the system often flags multiple Platinum applications as duplicates.

Example Scenario: If you're aiming to collect different Platinum cards for their unique benefits, space out your applications at least 90 days apart to avoid automatic rejection.
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Rule 10: "Little Brother Rule"

One of the most impactful new rules is what I like to call the "Little Brother Rule." This rule is about prioritizing certain cards in your application strategy to ensure eligibility for welcome offers.

Specifically, with the Delta SkyMiles card lineup:

• Delta SkyMiles® Blue Card from American Express
• Delta SkyMiles® Gold Card from American Express
• Delta SkyMiles® Platinum Card from American Express
• Delta SkyMiles® Reserve Card from American Express

Your eligibility for a welcome offer on a lower-tier card may be affected if you already have or have had a higher-tier card.

Example Scenario: If you apply for the Delta SkyMiles® Blue Card from American Express, you're ineligible for the welcome bonus if you've had any of the higher-tier Delta cards. Conversely, holding a Delta Blue doesn't affect your eligibility for higher-tier cards' bonuses. This cascading effect means it's strategic to start with the Delta Blue and work your way up, potentially unlocking four distinct bonuses.

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