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How many credit cards can you hold in the UK?

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My wife was recently targetted for the Priority Club Black Visa card.  This was for the offer that I highlight on the ‘Credit Cards Update‘ page – 40,000 Priority Club points (good for 8,000 Avios or about £150 of free hotel stays) and no fee for the first year, plus another free hotel night (worth say £200 if used wisely) if we spend £10,000 on the card within the year.

Slightly to my surprise, she was accepted.

This means that my wife now holds:

  • Priority Club Black Visa (Barclays issued)
  • House of Fraser Mastercard (Santander issued, 1% cashback paid in House of Fraser vouchers)
  • NatWest Mastercard (NatWest issued, no idea why we still have this!)
  • BA Premium Plus Amex  (Amex issued)
  • SPG Amex (Amex issued)
  • Lloyds TSB Premier Duo Avios Amex & Mastercard (Lloyds TSB issued)

Now this seems like quite an aggressive list to me.  Yes, she has a good job and her combined credit limits are still not huge, but I am surprised that Barclays was happy to give her the Priority Club card on top of all of the other cards.

Her credit report also, presumably, has a link to me and shows that I currently hold an American Express Platinum, a BA Premium Plus Amex and a BMI Mastercard.  The report would also show that I cancelled an SPG Amex, Hilton Visa and Amex Gold card within the last 12 months.

I imagine the fact that the six cards are from five different issuers is part of the reason why we keep getting them.  However, it is time to cull the list somewhat.

We can say goodbye to the SPG Amex now that we have banked the 20,000 point sign-up bonus, and I really would like to talk her into killing the NatWest card.  She never uses it, but it still shows on her credit report and the existence of that credit line should in theory count against getting more credit elsewhere.

Can anyone top six credit cards?


Want to earn more points from credit cards? – March 2024 update

If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.

British Airways American Express Premium Plus

25,000 Avios and the famous annual 2-4-1 voucher Read our full review

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & four airport lounge passes Read our full review

The Platinum Card from American Express

40,000 bonus points and a huge range of valuable benefits – for a fee Read our full review

Virgin Atlantic Reward+ Mastercard

15,000 bonus points and 1.5 points for every £1 you spend Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers:

British Airways Accelerating Business American Express

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

American Express Business Platinum

Crazy 120,000 points bonus (to 9th April) and an annual £200 Amex Travel credit Read our full review

American Express Business Gold

Huge 60,000 points sign-up bonus (until 9th April) and free for a year Read our full review

Capital On Tap Business Rewards Visa

Get a 10,000 points bonus plus an extra 500 points for our readers Read our full review

For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending.

Barclaycard Select Cashback credit card

2% cashback on all your business spend for 3 months (1% thereafter) and no annual fee Read our full review

Comments (3)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Raffles says:

    No, I don’t. If the card is a good points earner, I want to be earning points not clogging up my credit limit with a balance transfer. If the card is a poor earner, I want to cancel it ASAP after getting the bonus to reduce my outstanding credit. Any balance transfer that involves a fee to move a debt is a poor deal anyway in my book, although I agree that a deal whereby you pay 0% interest on new spending could be attractive.

  • Boddingtons says:

    I have six cards on the go currently for my grandfather who is retired. Most recently he was approved for the MBNA AA Amex with a £4,000 limit. In opening his account, they reduced the limit on his BMI Amex from £2,600 to £1,600.

    MBNA
    BMI Amex – £1,600
    AA Amex – £4,000

    American Express
    BA PP Amex – £2,400
    Preferred Rewards Gold – Chargecard

    Halifax
    Platinum Mastercard – £14,000

    Lloyds TSB
    Avios Duo – £1,000

  • Rich Spencer says:

    I probably need to close some, but estimate I have about 25 that are live at the moment.

This article is closed to new comments. Feel free to ask your question in the HfP forums.

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