The American Express Blue Card credit limit is determined on a case-by-case basis and depends on the particularities of each applicant’s credit. Factors such as credit score, income, debt and payment history will be taken into consideration.
You will be assigned a credit limit upon approval for the American Express Blue Card. Unfortunately, there's no formula that can help you get a rough estimate before submitting an application.
Best thing you can do is check your credit score and make sure you qualify for the card. American Express Blue Card generally requires excellent credit or better (a credit score of 750+) for approval.
If you are unsatisfied with your starting credit limit, you can request an increase after your account has been open for 60 days. But keep in mind that requesting a credit limit increase results in a hard inquiry on your credit report, which can temporarily decrease your credit score. When calling the number on the back of your card to request a credit limit increase you will be informed of the type of inquiry on your credit report.
There is no way to know how high American Express credit limits are. You won’t know your American Express credit limit until you’re approved for an account. American Express does not disclose a minimum credit limit in their cards’ terms and conditions, unlike some other major issuers. All Amex says is that your credit limit depends on your credit history, debt level, income, and payment history on other American Express cards.… read full answer
One way to estimate what credit limit you might get on an American Express card is to read customer reviews of the card. People will often post what limit they received, sometimes with their credit score and income. On Amex cards for good credit, people seem to report starting with limits of $1,000-$5,000 most often. But you should take any of these numbers with a grain of salt. Just because someone with a similar credit score or income got a certain limit, it doesn’t mean you will, too.
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