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
Amex Business Platinum
Amex Platinum
Amex Gold
Delta SkyMiles Blue
Delta SkyMiles Reserve
Delta SkyMiles Gold
Delta SkyMiles Gold Business
Delta SkyMiles Platinum
Hilton Honors Surpass
Hilton Honors
Hilton Honors Aspire
Hilton Honors Business
Marriott Bonvoy Brilliant
Marriott Bonvoy Business
Delta SkyMiles Platinum Business
Amex Business Gold
Delta SkyMiles Reserve Business
Amex Blue Cash Preferred
Amex Green
Amex Business Green
Amazon Business Prime
Marriott Bonvoy Bevy 
Amex Blue Cash Everyday
Amex Blue Business Cash
Amex Blue Business Plus