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Welcome to the Help Centre

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 give us a call on 0800 032 7642. Alternative, you can also use our check spending power feature within your Online Account. Simply go to Account Manager, click on Check Spending Power and follow the instructions on the screen.

Check your spending power for a particular purchase here.

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

Changes to financial circumstances
So if your financial circumstances have changed since you last told us, it makes sense to keep us updated.

See more spending limit information here.