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American Express · Card families

American Express Green, Gold and Platinum family

Having a more expensive Membership Rewards card blocks the welcome offer on a cheaper one: the Platinum blocks the Gold, and the Gold or Platinum blocks the Green. To earn all three, apply Green, then Gold, then Platinum.

Applies to
American Express Green, Gold and Platinum (personal)
Where it comes from
In the issuer's terms
The issuer states this, in a card's terms or an official statement.
Last verified
September 26, 2026

How it works

You may not be eligible to receive a welcome offer if you have or have had this Card, the Platinum Card®, the American Express Platinum Card® Exclusively for Morgan Stanley, the American Express Platinum Card® Exclusively for Charles Schwab, the American Express® Gold Card or previous versions of these Cards.

American Express's terms
  • That is the Green Card's wording. The Gold's terms name the Platinum; the Platinum's name only itself and its Schwab and Morgan Stanley versions.
  • Moving up is fine: having had the Green doesn't block the Gold or Platinum offer.
  • The Schwab and Morgan Stanley Platinum cards count as Platinum.

American Express cards these apply to

More American Express rules

  • Welcome bonus eligibility

    Welcome offer once per lifetime

    American Express generally pays a card's welcome offer once per lifetime: if you have had that card before, you most likely won't get its offer again.

    In the issuer's terms

  • Card families

    Delta SkyMiles family

    On the personal Delta SkyMiles cards, you can only earn a welcome offer on a card more expensive than any Delta card you have or have had.

    In the issuer's terms

  • How fast you can apply

    One card every 5 days

    American Express usually approves no more than one credit card every 5 days.

    Reported by applicants

  • How fast you can apply

    Two cards in 90 days

    American Express usually approves no more than two credit cards in any 90 days.

    Reported by applicants

  • How many cards you can hold

    Five credit cards at once

    American Express usually lets you hold up to 5 of its credit cards at one time. Charge cards sit outside that limit.

    Reported by applicants

  • Card families

    Marriott Bonvoy cards across Amex and Chase

    Marriott Bonvoy cards are issued by both American Express and Chase, and each card's terms can block its bonus if you recently opened, or recently earned a bonus on, a Marriott card from either bank.

    In the issuer's terms

Issuers can approve, decline or withhold a bonus for any reason. These rules describe what usually happens, not a promise of what will.