Approval Rules
Updated on Wed, 24 Jun 2020
Amex 3/90
Updated on Wed, 24 Jun 2020
Quick Summary
You'll be declined if you apply for a fourth Amex card in 90 daysBanks That Use This Rule
Understanding the Amex 3/90 rule:
You'll be declined if you apply for a fourth Amex card in 90 days. Since American Express cards aren't subject to the 5/24 rule (and Amex business cards don't count towards 5/24) this rule might be easier to trigger if you have a business with a considerable spend -- and are applying for multiple Amex business cards in a short span. We'll keep track and warn you if you attempt to apply for a card in this time period.
About Approval Rules
Collecting credit card points is largely driven by understanding and abiding by bank rules regarding approval (or disapproval) of cards. So here’s what you need to know:
- Approval rules are rarely fully publicized by the banks
- We use our own research and data points from other users in creating the rules listing
- Our goal in sharing/using the rule listings is to provide you guidance to avoid getting declined
- There can sometimes be exceptions to the rules, but we try to take a more cautious approach in advising you.
American Express
American Express Platinum Business 
American Express Platinum Personal 
American Express Gold Personal
Delta SkyMiles Blue Personal
Delta SkyMiles Reserve Personal
Delta SkyMiles Gold Personal
Delta SkyMiles Gold Business
Delta Skymiles Platinum Personal
Hilton Honors Surpass Amex
Hilton Honors Amex
Hilton Honors Aspire Amex
Hilton Honors Amex Business
Marriott Bonvoy Brilliant Amex
Marriott Bonvoy Business
Delta SkyMiles Platinum Business
American Express Business Gold
Delta Skymiles Reserve Business
American Express Blue Preferred
American Express Green Personal
American Express Green Business
Amazon Business Amex
Marriott Bonvoy Bevy