Amex 2 per 90 days
Amex 2 per 90 days is a application rule for american-express cards. Madeen summarizes the public rule text and shows the issuer's related cards so you can compare options before applying. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.
LAST REVIEWED • snapshot 2026-06-09
What is Amex 2 per 90 days?
American Express commonly limits new card approvals to about two personal cards every 90 days. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.
Which american-express cards are related?
Madeen links 20 cards from the american-express issuer family, ordered with popular cards first. Compare the related cards below against the rule before applying. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.
What should you watch for?
The 2/90 pace is a practical application-spacing rule that many applicants use to avoid unnecessary rejections. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.
Related credit cards
Ranked by Madeen effective rate in each card's strongest category. Issuer terms control current offers.
| Card | Issuer | Top category | Effective rate | Annual fee |
|---|---|---|---|---|
| Delta SkyMiles Platinum American Express | American Express | Travel | 3.6% | $350 |
| Hilton Honors American Express Aspire | American Express | Dining | 3.5% | $550 |
| American Express Gold | American Express | Dining | 2.4% | $325 |
| Delta SkyMiles Gold American Express | American Express | Dining | 2.4% | $150 |
| Marriott Bonvoy Brilliant American Express | American Express | Dining | 2.1% | $650 |
| Delta SkyMiles Reserve American Express | American Express | Dining | 1.2% | $650 |
| Blue Cash Preferred | American Express | Grocery | 6% | $95 |
| Morgan Stanley Blue Cash Preferred Card | American Express | Grocery | 6% | $95 |
| Delta SkyMiles Platinum Business | American Express | Travel | 3.6% | $350 |
| American Express Platinum Card for Schwab | American Express | Travel | 3% | $695 |
| Blue Cash Everyday | American Express | Grocery | 3% | $0 |
| Hilton Honors American Express Surpass | American Express | Dining | 3% | $150 |
| Hilton Honors Business | American Express | Dining | 3% | $195 |
| The Platinum Card from American Express Exclusively for Morgan Stanley | American Express | Travel | 3% | $695 |
| The Platinum Card | American Express | Travel | 3% | $895 |
| Marriott Bonvoy Bevy™ American Express | American Express | Dining | 2.8% | $250 |
| Marriott Bonvoy Business | American Express | Dining | 2.8% | $125 |
| Hilton Honors | American Express | Dining | 2.5% | $0 |
| Business Gold | American Express | Dining | 2.4% | $375 |
| Delta SkyMiles Blue American Express | American Express | Dining | 2.4% | $0 |
Frequently asked questions
Does Amex 2 per 90 days guarantee approval?
No. The rule describes how the issuer typically evaluates applications or bonuses, but final approval still depends on the live application, your profile, and current issuer policy. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.
Are business cards treated the same way?
Not always. Some issuer rules focus on personal cards, while business or co-brand products may be treated differently under the same brand family. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.
Why does Madeen keep this rule on a curated page?
These issuer rules are valuable context for comparing cards, but they are still summary pages, not legal advice or approval promises. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only. Issuer terms control eligibility, caps, and exclusions; Madeen summarizes catalog data for comparison only.
Issuer names, card product names, and related marks are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, or endorsed by any card issuer. Madeen is an independent credit-card comparison and education service.
Madeen analysis. Data from catalog snapshot 2026-06-01. Last reviewed 2026-06-09. Reviewed by Madeen editorial review. Issuer pages control rewards, fees, benefits, and eligibility.