What is a Flexible
Payment Option
Credit Limit?

Explore Flexible Payment Option, including everything you need to know about a  FPO Credit Limit.

This feature is only available to American Express^® Business Platinum Card and American Express^® Business Gold Card Members in the United Kingdom.

What is a FPO Credit Limit?

A FPO Credit Limit is the maximum balance that you can borrow over time. You can generally spend more than this, however balances more than your FPO Credit Limit are due in full each month.

Your FPO Credit Limit is determined by a few factors:

Your business's
credit history

To understand if you're a reliable borrower, they'll check how you managed other lines of credit and if there are any missed or late payments.

Your current
FPO Credit Limit

This will help you see how much you can borrow on other Cards you own.

Your Income

This will show your lender how much you earn, and more specifically how much you have left each month after paying your bills.

Your Existing Debt

Like mortgages, loans, overdrafts or other Cards.

Person talks on phone while holding coffee

Want to adjust your
FPO Credit Limit?

You can request to decrease your FPO Credit Limit at any time.  Simply call the number on the back of your Card and our  Customer Services team will be happy to support you.

What happens if
you go over your
credit limit?

Any transactions that exceed your FPO Credit Limit will need to be paid in full on the payment due date shown on your statement.

Any amount over your FPO Credit Limit will show in your minimum due section. Failure to make the minimum payment will mean you'll incur a late payment fee and it may also affect your credit rating.

This may also affect your future applications, showing you have financial problems and you're not able to repay when you borrow. In some cases, your lender may lower your limit or even close your Account.

Here's how FPO Credit Limit works

While it allows you to make payments on your terms, there are things to keep in mind when it comes to spending capacity and  purchases you’re able to cover using FPO Credit Limit.

Spending Capacity

With Flexible Payment Option, you have No Pre-set Spending Limit. This is a unique feature that gives you flexible spending capacity. The amount you can spend adapts based on your purchase, payment, and credit history. If you’re unsure a large purchase will be approved, use the Check Spending Power tool in your Online Account or Amex^® App.

FPO Credit Limit

While your Card has no spending limit, there is a limit to the total amount you can pay over time – your FPO Credit Limit. When you reach your limit, any spend over will be due in full by your new payment due date.

Get the most out of your Card

Understand your highest Flexible Payment Option Credit Limit

Your FPO Credit Limit will depend on your financial circumstances and the Card you choose.

Avoid Late Fees

Keep track of when your Card repayments are due.
Pay off as much as you can to reduce interest.
Sign up for SMS and email alerts and get notified when there are changes to your Account.
Track your expenses by logging into the Amex^® App to access your Account details.