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The flexibility to spend above your credit limit with Expanded Buying Power

The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.1

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No signup. No hassle. No added interest. Yes to big business purchases.

Expanded Buying Power gives you the flexibility to exceed your credit limit while earning Membership Rewards®  points2 or cash back3 on your purchases.

It can give you more cash on hand for unexpected surprises or big business opportunities.

Already have an eligible business card? CHECK YOUR BUYING POWER

How Expanded Buying Power works 

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Buy above your limit 

It can give you more cash on hand for unexpected surprises or big business opportunities.

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Pay us back 

Pay your monthly minimum due each month, which includes any amount you spend over your credit limit, and pay no added interest or fees.

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Carry the rest - or not 

You can still choose to carry a balance on the amount due above your minimum monthly payment, just like always.

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Earn rewards 

You can continue to earn Membership Rewards® points or cash back on purchases above your credit limit just by paying the minimum due each month.

Why use Expanded Buying Power? 

No signup or

application

Earn rewards on over-limit purchases

Gain cash flow 

flexibility

Enjoy Purchase

Protection

What can it do for your business?

The uses are as varied as the companies who take advantage of them.

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 $20,000 credit line could make a $35,000 technology upgrade on their Blue Business Cash™ Card, earning $700 cash back to reinvest in their business. 

Already have Expanded Buying Power?

Blue Business Cash™, Blue Business® Plus, and SimplyCash® Plus are eligible Cards.

Expanded Buying Power varies based on factors such as your payment history and credit records. It’s not unlimited and it does change. To double-check if a purchase above your limit will be approved, use the “Check Spending Power” tool within your American Express online account, the American Express® App4, or the American Express® Business App5.

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Want Expanded Buying Power?

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

American Express Blue Business Cash Card

Say yes to cash back that has your back

  • 2% cash back on purchases up to $50,000 per calendar year,        then 1%
  • $0 annual fee
American Express Blue Business Cash Card

Fuel your vision with 2x points

  • 2X Membership Rewards points on purchases up to $50,000 per calendar year, then 1X
  • No annual fee

Frequently asked questions

TERMS & CONDITIONS

 

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 so 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. Membership Rewards®

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

 

The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo.

 

3. Cash Back

You will not receive the cash back if your Card account is cancelled or in default at the time of fulfillment.  

 

♦ Purchase Protection

Purchase Protection is underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions.  For full Terms and Conditions, see americanexpress.com/PPterms. If You have any questions about a specific item, please call Us at 1-800-228-6855, if international, collect at 1-303-273-6498.

 

4. 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.

 

5. American Express® Business App

The American Express® Business App is available with American Express Business and Corporate Cards. Functionality may differ based on Card product or program. American Express is not responsible for the completeness or accuracy of receipts displayed. Receipts will be stored until the earliest of the following: (1) seven years from the end of the calendar year that the receipt was uploaded or (2) the date that your online account is closed. American Express reserves the right to delete or purge receipts for any reason in its sole discretion, with or without notice. The Amex® Business App is available on the App Store® and Google Play. Apple, the Apple logo and iPhone are trademarks of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc.