20,159 grads of the Ultimate Military Credit Cards Course already know why
The Platinum Card® from American Express is my #1 recommended card
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American Express generously provides special military protections on their cards for active duty and military spouses. These benefits apply to all Amex personal cards, no matter how many you have.
This includes The Platinum Card® from American Express.
Why Have Multiple Amex Platinum Cards
Usually, if a benefit is per card account, such as the up to $300 per year lululemon credit (enrollment required), the benefit “stack,” so each account you have open adds more annual benefits.
| Number of Cards | x up to $300 lululemon credit | x up to $75 per quarter lululemon credit |
| 1 | $300 | $75 |
| 2 | $600 | $150 |
| 3 | $900 | $225 |
| 4 | $1,200 | $300 |
| 5 | $1,500 | $375 |
| 6 | $1,800 | $450 |
| 7 | $2,100 | $525 |
| 8 | $2,400 | $600 |
| 9 | $2,700 | $675 |
| 10 | $3,000 | $750 |
In the lululemon credit example, instead of receiving $75 per quarter in credit, you could receive up to $750 per quarter or up to $3,000 per year, if you had 10 Amex Platinum cards open.
Amex has rules about how many cards you can have per person.
In general, you can have 10 cards without a preset spending limit (such as The Platinum Card® from American Express, the American Express® Gold Card or the American Express Green Card) and 5 credit cards (such as the Hilton Honors American Express Aspire Card).
So a military family might have:
- 20 of The Platinum Card® from American Express (10 for each person in the marriage)
- 10 of the Hilton Honors American Express Aspire Card (5 for each person in the marriage)
The Amex special military protections apply to all personal card accounts. We did a podcast episode explaining the state of military credit cards:
How to Open Multiple Amex Platinum Cards
There are 2 easy ways to open multiple accounts of The Platinum Card® from American Express:
- Directly apply – You can directly apply for another Platinum Card® from American Express every 91 days.
- Upgrade lower tier cards – You can upgrade your American Express® Gold Card or the American Express Green Card
When directly applying, simply go through my link The Platinum Card® from American Express (thanks!) or use a friend's referral link. You probably won't be eligible for another welcome bonus offer, but you can open up another account.
If you're having trouble applying for another Amex Platinum card, try an incognito browser. You'll be able to add the card to your American Express login at americanexpress.com after you are approved for the new card account.
You can upgrade your lower tier American Express cards, the American Express® Gold Card or the American Express Green Card, to additional Amex Platinum cards. You can do this either while you're logged into your primary Amex account or sometimes you'll need to separate the cards into a secondary Amex login account. See details of that process in these links: