Peter Fox, WalletHub Analyst
@PeterFox
The American Express Black Card’s credit limit is determined on a month-to-month basis, and it depends on your overall spending and payment habits. That is because the Amex Black Card – officially known as the Centurion® Card from American Express - is a no preset spending limit (NPSL) card. American Express may also adjust the limit based on your card use.
This is one of the most exclusive credit cards out there, and it's designed for high-spenders.
Popular Credit Cards from Our Partners
People also ask
What are the requirements for an American Express Black Card?
The American Express Black Card’s requirements are rumored to include being an Amex cardholder for at least a year, spending over $100,000 annually on American Express credit cards, and annual income of at least $1 million. You’ll probably need to have an excellent credit score, too. To be clear, these things only get you an invitation to apply for the card. So that's just the bare minimum needed. There is a steep "initiation fee" of...
read full answer by Benny Joseph, WalletHub AnalystWhich American Express card has the highest limit?
The American Express card with the highest limit is the American Express Platinum Card® because its purchasing power depends on the cardholders’ credit worthiness and ability to pay. So, cardholders with high income, low debt and good credit history could get a high spending power.
Instead of a traditional credit limit, the Platinum Card® has a no preset spending limit, which means the amount a cardholder can spend adapts over time based on factors such as your purchase, payment, and...
read full answer by Ashley Wade, WalletHub AnalystDoes the American Express Platinum Card® have a credit limit?
The Platinum Card® doesn’t have any preset spending limit, but that does not give cardholders unlimited purchasing power. It means American Express won’t give you a specific credit limit once you’re approved for the card. Rather, they calculate your purchasing power based on how much you spend on the card as well as your income, any debt you carry, and your overall creditworthiness.
Things to Consider About Platinum Card®'s No Preset Spending Limit
Credit Utilization
... read full answer by Rhonda Stewart, WalletHub Loans AnalystDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.