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Why its one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the Black Card, you need an invitation to get Amex Centurion. And only the super rich and famous can expect to get the call, as
No other card issuers dont follow the 5/24 rule, so you may qualify for an Amex or Citi card if youve opened five accounts within the past 24 months. However, all card issuers have their own requirements and criteria for approving applicants.
No other card issuers dont follow the 5/24 rule, so you may qualify for an Amex or Citi card if youve opened five accounts within the past 24 months. However, all card issuers have their own requirements and criteria for approving applicants.
Personal and business credit cards issued by Chase, including the cobranded cards, are generally subject to the 5/24 rule. This includes the Chase Sapphire Preferred Card, Chase Sapphire Reserve, Chase Freedom Flex℠ and the Ink Business Cash Credit Card.
The Amex 2/90 rule limits the number of American Express credit cards you can get approved for to two within a 90-day period. This limitation has been widely reported, though it isnt an official American Express company policy.

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The Amex 2/90 rule limits the number of American Express credit cards you can get approved for to two within a 90-day period.
You will need to give us personal information, contact details and financial information, so have this ready to hand.
American Express maintains a strict rule of one bonus per card for life regardless of the family of cards (cobranded hotel and airline, business, cash-back and rewards cards). Although this rule covers all Amex cards, you can earn a welcome offer on personal and business cards of the same type.

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