MileValue is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. 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.

Note: Some of the offers mentioned below may have changed or are no longer be available. You can view current offers here.


Apparently if you already have a credit card issued by American Express, the bank will not initially hard pull your credit report upon subsequent applications. They only pull your credit report if you are conditionally approved from internal information Amex already has on record, to double check nothing major has changed since then. As long as nothing has drastically changed, chances are you will be approved.

In practice this means you can apply for a second, third, etc. Amex card without worrying about wasting the hard credit inquiry in vain.

Why This Is Good News

Because it means you can apply for American Express cards with practically no risk if you already have one. A hard credit inquiry affects your credit score, dropping it a couple points or so. While this isn’t a huge deal–your score will eventually recover / change because of the other factors that play into your credit score–it’s still wise to be discerning when it comes to what cards you sign up for. That’s why, of course, we publish posts like the big issuing bank’s rules regarding eligibility and include bullet points in every card offer-centric post about factors of your credit card history that will affect your eligibility–so you don’t waste a hard credit inquiry in vain.

To be totally clear, your first credit card application ever with Amex will result in a hard credit inquiry. They have to get the information from somewhere to begin with. According to Doctor of Credit, once you have one card with American Express, the bank will do a soft pull on your credit report monthly, to check that it’s in good standing. This is the internal information they draw from to judge whether or not you are conditionally approved for your second, third, etc. Amex card.

Reminders of Eligibility Rules for Amex Cards

  • You can only get the bonus on an American Express card once per lifetime. However if you were targeted for an American Express offer, you can still be approved even if you have had the same product and earned the bonus on it before.
  • You are limited to holding four American Express credit cards. Both personal and business count toward this limit. (AMEX Everyday, Delta, and SPG are credit cards.)*
  • Separately, you are limited to holding four American Express charge cards. Both personal and business count toward this limit. (AMEX Platinum is a charge card, for example.)

*In the last eight months, people have reported approvals on their fifth Amex credit card or charge card, altering the previous school of thought that the hard rule was four. Here’s the Reddit thread that started the discussion, and more data points in the comments of articles from Million Mile Secrets post as well as One Mile at a Time. The Reddit churning thread also states 4-5 as the max now. It seems as though the maximum Amex cards you can hold at once is YMMV between four and five. Lucky from OMAAT aptly pointed out that if you have four Amex credit cards or charge cards and are contemplating a fifth, since Amex most likely won’t hard pull your credit report if you already have a bunch of Amex cards, you can apply for the fifth to test the waters and not worry about wasting that hard credit pull.

Top Amex Card Offers Right Now

  • Business Gold Rewards Card from American Express Open ~ 50,000 Membership Rewards after spending $5k in the first three months.
  • Platinum Card from American Express Exclusively for Mercedes-Benz ~ 50,000 Membership Rewards after spending $3k in the first three months.

See Top 10 Travel Credit Cards February 2017 for full details on card offers.

Credit card links have been removed from posts and added to the menu bar at the top of every page of MileValue under the heading Top Travel Credit Cards

Bottom Line

If you already hold an American Express card, applying for another Amex card won’t result in a hard credit inquiry if you’re denied, since they essentially pre-approve you with internal information already on file via a soft pull that doesn’t affect your credit score like a hard pull does. If you are “pre-approved”, there will then be a hard credit inquiry, but the chances of you getting denied at that point are extremely slim as long as there’s been no major dives or crazy happenings on your report in the last month or so.

I only have two Amex cards, and was approved for both, so I can’t contribute to this conversation yet.

Have any of you ever applied for a second (or third, or fourth) Amex card, been denied, and noticed that your credit report wasn’t pulled?

Hat tip One Mile at a Time

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Just getting started in the world of points and miles? The Chase Sapphire Preferred is the best card for you to start with.

With a bonus of 60,000 points after $4,000 spend in the first 3 months, 5x points on travel booked through the Chase Travel Portal and 3x points on restaurants, streaming services, and online groceries (excluding Target, Walmart, and wholesale clubs), this card truly cannot be beat for getting started!


Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are the author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

The comments section below is not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all questions are answered.