No, American Express does not have a "5/24 rule"; that specific policy is exclusive to Chase. The 5/24 rule means Chase will automatically decline any application if you have opened five or more credit cards (with any issuer) in the past 24 months. However, AmEx has its own unique set of restrictions in 2026. The most famous is the "Once Per Lifetime" rule, which generally prevents you from earning a welcome bonus on a specific card if you have ever held that card before. Additionally, AmEx typically limits individuals to a maximum of five personal credit cards (this does not include "Pay Over Time" cards like the Gold or Platinum) and has a "1-in-5" rule, meaning you can only be approved for one credit card every five days, and a "2-in-90" rule, limiting you to two credit card approvals in a 90-day window. So while AmEx is more lenient about your total recent accounts than Chase, they are much stricter about bonus eligibility.