American Express is my favourite card issuer – they have generous sign-up bonuses, fantastic card benefits, their points transfer to a number of airlines and hotels, their customer service is amazing, and they have their own airport lounges. On top of that, just about anyone will be approved for an American Express card as long as your credit history is clean and you have some sort of income. I remember the second card that I applied for after turning 18 was the Premier Rewards Gold Card and I was instantly approved with an income at that time of under $10k/year.

American Express does limit you to a “once-in-a-lifetime” sign-up bonus on most of their cards, but that’s fine since some of the bonuses can go as high as 150k Membership Rewards points – that’s an insane amount. My favourite transfer partner of Membership Rewards is Air Canada Aeroplan. I just love Aeroplan due to their flexible routing rules, generous maximum permitted mileage, and being able to have two stopovers in addition to a destination on a single ticket is incredible.

The American Express Platinum Card

The American Express Platinum Card

Here are the AMEX cards I currently have:

  • The Platinum Card
  • Premier Rewards Gold Card
  • The Starwood Preferred Guest Credit Card
  • Amex EveryDay Credit Card
  • Business Platinum Card
  • Business Gold Rewards Card
  • Starwood Preferred Guest Business Credit Card

My American Express cards have been these for the past two years and I admit that I’ve had most AMEX cards already, so I’ve ran out of sign-up bonuses. I think I’ve had every single card that can earn MR points and every Delta card. AMEX will generally allow you to have 4-5 credit cards and 4-5 charge cards, so you can have 8-10 AMEX cards at one time (personal and business).

For now, I’m keeping my personal Platinum Card as it is my go-to premium travel rewards credit card and I earn 5x points per dollar spent on airfare. I’m also keeping the Premier Rewards Gold card since I can earn 2x points on most of my other purchases. I’m going to cancel the EveryDay card because there’s no point in me having it if I also have the Premier Rewards Gold… however there is no annual fee on the EveryDay card so I might just keep it. I’m also definitely keeping both SPG personal and business cards as those each give me 2 stays and 5 nights towards SPG Elite Status – so both are worth keeping. I’m going to cancel the Business Platinum card as there is no point in me keeping it anymore after the wonderful 50% rebate was reduced.

I spend the most on airline tickets and SPG hotels, so it makes sense that I use my Platinum and SPG cards for these transactions to maximise earning points. All in all, I’ve had the same AMEX cards for a long time now and I don’t see myself changing anything currently (apart from cancelling the Business Platinum Card). AMEX MR points are incredibly valuable and flexible, so I put the most of my spend on AMEX cards that earn Membership Rewards points.

Be sure to check out some of the awesome Travel Rewards Credit Cards, Hotel Rewards Credit Cards, and Point Rewards Credit Cards that are available and will earn you lots of miles and great travel benefits!