No Preset Spending Limit

Unlike a traditional credit card, your Card has no preset spending limit, a unique feature that gives you flexible spending capacity.* This means the amount you can spend adapts based on factors such as your purchase, payment, and credit history.  If you’re ever unsure if a large purchase will be approved, just use the Check Spending Power tool in your online account or mobile app.

Tips for building your spending capacity

  1. Use your Card regularly and, if you don’t already pay off your balance in full each month, gradually increase your total monthly payment amount with us over time. This is a key factor.
  2. Pay all your accounts on time, including those outside of American Express. Enroll in AutoPay to help make sure you never miss a payment.
  3. Maintain a good credit profile.

*In a small number of cases, we may assign a specific spending limit to a Card Member’s account. This can be due to a variety of factors such as credit score, past due payments with us or other creditors, or high balances on revolving credit accounts. If a preset spending limit is placed on your account, we will notify you, tell you why, and explain how it impacts how much you can spend.