A Credit Card limit is set when you’re approved for a Credit Card and is the maximum amount of credit you can use on your Card. All Credit Cards have a maximum and a minimum Credit limit. When you apply for a Credit Card, you’ll have the opportunity to indicate your preferred Credit Card limit. Approval for your new credit line will be subject to our approval criteria. You should ensure that you nominate a Credit Card limit that’s in line with your current financial circumstances. It’s also important to know that choosing a low limit during the application process will not change your chances of approval. If you don’t choose a limit, we’ll assign you one, based on your current financial circumstances.
You can request to change your credit limit at any time. If you need more credit, you can apply for an increase through Online Services, or by calling the number on the back of your Card. We will request information from you so that we can assess whether the limit you request is suitable for you. If we approve your application, your new limit will be available within one hour.
If your limit is higher than you need it to be, you can request a credit limit decrease online or by calling the number on the back of your Card. Your limit cannot be reduced below any minimum limit that applies to your Card, or below the balance you owe on your Account. We will send you written confirmation of any change to your credit limit.
All American Express Credit Cards have a maximum Credit limit. Your highest limit will depend on your financial circumstances and the Credit Card you choose.
Your minimum credit limit depends on the type of Credit Card you choose. The actual credit limit you will be offered will be somewhere between the minimum and maximum credit limits of the Credit Card.
Yes, you can apply for a credit limit increase at any time. Approval will be subject to our approval criteria. Managing your credit limit wisely will help you improve your credit score.
A Credit Card will have a set Credit limit. A Charge Card comes with flexible spending power, also known as no pre-set spending limit1. This means that the amount you can spend is dynamic and can adapt based on your transaction patterns, your personal credit rating, and other factors. You’ll also be required to pay the full closing balance on your Charge Card every month.
American Express credit cards are known for offering high credit limits to approved cardholders. However, determining the maximum credit limit available on Amex cards is not straightforward. This article will explain how American Express credit limits work, which cards tend to have the highest limits, and how you can get the maximum credit line.
How American Express Credit Limits Work
Unlike other credit card issuers that advertise specific credit limit ranges, American Express does not publicly disclose the minimum or maximum limits for its cards. Your Amex credit limit is determined at the time of approval based on factors like your income, credit score, payment history, debt levels, and relationship with American Express.
So in theory, there is no preset maximum credit limit across all Amex cards. The higher your qualifications, the more potential you have to get a higher limit approved.
However, American Express does have some rules around credit limits:
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Each Amex credit card has a preset range for the minimum and maximum limits it will approve. The top-tier cards tend to have higher maximums.
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Amex places a soft limit of 5 total credit cards per consumer. Going over 5 cards requires special approval.
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Existing Amex cardholders cannot request a credit limit increase of more than 3 times their starting limit within 6 months
So while there are no published maximums, you won’t be able to get unlimited credit from American Express. The top limit will depend on the specific card and your financial profile.
Amex Cards With the Highest Credit Limits
The American Express cards most likely to approve high credit limits are
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The Platinum Card® from American Express – This premium card has no preset limit, so your spending power adapts based on your usage and credit profile. High spenders may receive limits into the tens or hundreds of thousands.
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Centurion® Card from American Express – Also known as the “Black Card,” this exclusive card (by invite only) is made for ultra high-net-worth individuals and reportedly approves limits well over $100k.
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Green, Gold, and Business Cards – The Green, Gold, and Business versions of Amex cards tend to have higher limits than their regular counterparts.
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Credit Cards for Excellent Credit – Cards like the Amex EveryDay® Credit Card or Blue Cash Everyday® Card offer excellent approvals for those with great credit histories.
While any Amex card can give you a high limit with the right credentials, these cards provide the most potential for maximizing your credit line.
How to Get the Maximum Amex Credit Limit
If your goal is to get the absolute highest credit limit possible on your American Express card, here are some tips:
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Apply for the Platinum Card – Given its lack of preset spending cap, the Amex Platinum provides the most flexibility to get a very high limit.
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Ask for your desired limit – When applying, you can select a desired credit limit which Amex may approve if you qualify. Shoot high if you want the max.
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Have excellent credit – A FICO score of at least 750+ gives you the best shot at approval for the top limits. Lower scores make high limits much harder.
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Show high income – Providing the highest verified income helps justify larger credit access. Top limits often require $150k+ in annual earnings.
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Minimize existing debts – The lower your debt-to-income ratio, the better when requesting larger credit lines. Keep balances low across all credit cards.
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Have accounts with Amex – Having a relationship with American Express helps provide data to approve your highest limit yet.
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Make payments on time – Stay in good standing by making at least the minimum payment by each due date to build trust.
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Wait 6 months – After opening a new Amex card, you must wait at least 6 months before requesting a 3x limit increase.
Getting approved for the maximum credit limit takes discipline across your entire financial profile. But the payoff of generous spending power and flexibility can make the effort worthwhile.
The Takeaway
While there is no single universal maximum credit limit across all American Express cards, the popular Platinum Card provides the most potential for six-figure limits for those who qualify. Factors like your income, credit score, existing debts, and relationship with Amex determine how high your personal ceiling can reach. With responsible use, the highest credit line can provide financial convenience and borrowing flexibility.
Tips on staying within your credit limit
Know your credit limit
Knowing your credit limit is the first step to making sure your balance stays under control. You can reduce the risk of going over your limit by making regular payments through one of our many payment options.
Pay off as much as you can
Paying more than the minimum amount required will reduce the amount of interest you’ll be charged and will help you pay your balance off faster.
Make use of our tools
You can log in to your online Account or download the Amex Mobile App to keep track of your spending and more while you’re on the go.
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FAQ
What is the highest credit card for American Express?
The American Express card with the highest prestige and spending power is the Centurion® Card from American Express, often referred to as the “Amex Black Card”.
What credit card has a $100000 limit?
What is the credit limit for an $50,000 salary?
It boils down to your financial habits and income. A good rule of thumb is to aim for a credit limit that’s about 20-30% of your annual income. For example, if you make $50,000 a year, a good credit limit might be around $10,000 to $15,000.
What is the maximum credit limit for credit one American Express?
| Card | Minimum Credit Limit | Reported Maximum Credit Limit |
|---|---|---|
| Credit One Bank® Platinum Visa® | $300 | $1,400 |
| Credit One Bank® Platinum Visa® for Rebuilding Credit | $300 | $1,500 |
| Credit One Bank American Express® Card | $300 | $5,000 |
| Credit One Bank® Platinum X5 Visa Signature® | $400 | $3,000 |