Expanded Buying Power1 gives you the flexibility to spend above your credit limit*

*The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.

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Unlike a traditional credit card, your Card has a flexible spending limit which adjusts with the use of the Card, your payment history, credit record, financial resources known to us, and other factors.

With Expanded Buying Power, you have the option to spend above your credit limit. That amount will be added to your minimum due and must be paid back at the end of the billing cycle.

No signup. No hassle. No added interest.

How Expanded Buying Power works 

When might you use Expanded Buying Power?

Unexpected expenses such as repairs / broken equipment

Last-minute business travel

Funding large purchases

Paying vendors while you wait for customer to pay you back

What can it do for your business?

Like any business relationship where trust builds over time, business owners who have consistently paid at least their minimum due on time may have higher spending capacity over their credit limits.

For instance, a company with a $10,000 credit limit could make a $15,000 technology upgrade on their Blue Business CashTM Card, earning $300 cash back2 in the form of a statement credit to reinvest in their business.**

**This assumes the Cardmember has spent less than $50,000 in the given year and earns 2% cash back, 1% thereafter.

Interested in using Expanded Buying Power?

Blue Business Cash™, Blue Business® Plus, SimplyCash® Plus, Delta SkyMiles® Platinum Business, and Delta SkyMiles® Reserve Business are eligible Cards.


To check if a purchase above your limit will be approved, use the Check Spending Power tool within your American Express online account or the American Express® App3.

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Want Expanded Buying Power?

It comes as a built-in feature with the following American Express® Business Cards:

Frequently asked questions

1. Expanded Buying Power


The portion of your account balance that is above your credit limit is due in full each month as part of your minimum payment due. You will not incur interest charges on the portion of your account balance that is above your credit limit as long as you pay the entire minimum payment due by the closing date of the billing period in which it is due. If you do not, then the penalty rate will apply to your entire balance, including any amount above the credit limit.


2. Cash Back


Cash back can be received on eligible purchases made on your Blue Business Cash Card. The cash back is based on a percentage of the eligible purchases you make during each billing period and will be automatically credited to your account as a statement credit. The statement credit will automatically appear by the second billing statement you receive after the billing statement with the eligible purchases. You will not receive a statement credit for eligible purchases made if you do not pay the minimum payment due by the Closing Date of the billing period in which it is due, or if your Card account is cancelled before the credit is issued. For each calendar year (starting January 1st and ending December 31st), you will receive a statement credit of: 2% on your first $50,000 of eligible purchases; then 1% on all other eligible purchases.


Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards; person-to-person payments or purchases of other cash equivalents. Additional terms and restrictions apply.


3. American Express® App


The American Express® App and app features are available only for eligible Card accounts in the United States. American Express® prepaid Cards and Cards issued by non-American Express issuers are not eligible.


To log in, Card Members must have an American Express user ID and password or create one in the app.


4. Not all Cards are eligible to get rewards. Terms and limitations vary by Card type.