How do I check my Amex Gold card balance?

You can check your American Express credit card balance online, by phone, or through the Amex mobile app. To check your balance online, log in to your account. Then, go to the ‘Account Summary’ page, where you will be able to see a breakdown of your balance and other information like credit card payment due dates, and the minimum due amount to be paid.... read full answer

You can also check your balance on the go from the Amex app, available on iOS and Android. Open the app and log in to your account. On the home page, you will see an overview of your account balance. For more details, tap on Statements at the bottom of your screen.

To check your balance by phone, simply call (800) 528-4800 or the number on the back of your credit card. Then, follow the voice prompts to know your outstanding amount.

The Amex Gold card has no preset spending limit, which means the spending power is determined on a month-to-month basis, depending on the cardholder’s previous spending habits, income, payment history and other factors. This does not mean that consumers are able to spend limitlessly with a no preset spending limit. Amex Gold cardholders are given a flexible spending capacity, rather than a specific one.... read full answer

More info about the Amex Gold card NPSL

While not having a preset spending limit (NPSL) can offer you some flexibility, it can be difficult in emergency situations. You can know roughly what you’re able to spend based on past months, but with most NPSL cards, you never know exactly when a future purchase will be declined.

American Express makes it easier to plan for future purchases, though. If you're unsure whether a large purchase will be approved or not, simply use the Check Spending Power tool in your online account or mobile app.

Alternatives to No Preset Spending Limit

If you’d rather get a card with a set credit limit, some good rewards card options from Amex include the Amex Cash Magnet Card, Blue Cash Preferred® Card from American Express and the Blue Cash Everyday® Card from American Express.

No, you don’t have to pay off all American Express card every month. Most Amex credit cards allow you to carry a balance from month to month, requiring only a monthly minimum payment to keep your account in good standing. Some even offer 0% introductory APRs. That’s the case with some of the best American Express credit cards like:... read full answer

American Express Credit Cards You Have to Pay Off Every Month

On the other hand, you do have to pay some American Express cards in full every month. These include:

But there are exceptions. If you have one of those cards and use it responsibly, American Express may offer to let you pay for certain purchases over time. Interest will apply to such purchases, though, at a rate that won’t be disclosed until Amex extends an offer.

You can check out WalletHub’s review of the best American Express credit cards to find a good option for carrying a balance. Just don’t expect to find a low regular APR. American Express credit cards are known more for rewards than low rates. All information about the American Express Cash Magnet® Card has been collected independently by WalletHub. The American Express Cash Magnet® Card is no longer available to new applicants through WalletHub, but may be available on the American Express website.