How much can I spend on the Charge Card?

No pre-set limits

There are no pre-set spending limits on the American Express^® Charge Card. You can spend as much as you’ve shown us you can afford. Your spending limit is based on factors including your current spending patterns, payment history, credit record and financial resources.

Larger than usual purchases

If your first purchase is going to be a large one, or you’re going to make a significantly larger purchase than usual, it’s a good idea to ‘Chat with Us’ to make us aware. To chat with us, log in and look for the "Chat" icon in the bottom corner of the "Home" screen. For best results, access Chat from a desktop computer and make sure your browser is full size.

Alternatively, you can also use our check spending power feature within the American Express^® App or on your Online Account. To access this from the American Express® App, go to the 'Statements' tab and tap 'Check Spending Power'. For Online, go to Account Management, click on Check Spending Power and follow the instructions on the screen. Here is where you can check your spending limit here.

Building a history with us

As a new Cardmember builds a spending and payment track record with us, the spending limit can increase accordingly.

Changes to financial circumstances

Please let us know if your financial situation changes.