American ExpressAmerican ExpressAmerican ExpressAmerican ExpressAmerican Express
Charge Card

No Pre-Set Spending Limit on Purchases

Enjoy financial flexibility and the opportunity to maximize your Membership Rewards® points.


Because your Card is a Charge Card, rather than a Credit Card, you pay your balance in full each month. As a Charge Card, you’ll have the financial flexibility of no pre-set spending limit on purchases, which provides you the opportunity to maximize your Membership Rewards points earned. Consider using your Card for things you would normally pay for with cash or debit, like gas, grocery, or drugstore purchases. No pre-set spending limit on purchases does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit record, and financial resources known to us. From time to time, proof of resources and security may be required to ensure you can consistently enjoy financial freedom and flexibility.