What is the American Express Green card credit limit?

The American Express Black Card’s limit is determined on a month-to-month basis, and it depends on your spending and payment habits over time. That is because the Amex Black Card - or the Centurion® Card from American Express, formally - is a "no preset spending limit” (NPSL) card.

This is one of the most exclusive credit cards out there, and it's specifically for high-spenders.… read full answer

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.

You can ask for an American Express credit limit increase online or by calling either the number on the back of your card or (800) 528-4800. To request a credit limit increase online, log into your Amex account, then click on “Account Services,” “Credit Management,” and finally “Increase Line of Credit.” For phone requests, you’ll be dealing with an automated system at first. But entering your account number and answering the prompts with “Increase credit limit” will get you transferred to a customer service representative who can walk you through the process.… read full answer

Those are the basics, but there are a few more things you should know before asking for a higher limit.

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• American Express decides your limit based on your credit reports and scores, your total debt and your payment history with Amex. Your income and the amount of credit you use also play a role.
• You have a stronger chance of being approved for an increase if you’ve made at least your last five consecutive payments on time. Falling behind on your payments or going over your credit limit will most likely get you a denial.
• It is not certain whether Amex will do a hard inquiry or not does not do a hard inquiry for credit line increase requests. That means asking for one won’t might cause a temporary dip in your credit score.
• There are anecdotal reports of applicants being denied because they asked Amex for a credit limit increase within 60 days of opening their account. That’s not surprising. Credit card companies generally won’t even consider you for a higher limit unless your account has been open for at least six months.

Some people also report that the biggest increase you can get is three times your current limit. But that too is unsubstantiated.

There’s no guarantee you’ll get an American Express credit limit increase, but it doesn’t hurt to ask. So long as you don’t use a higher limit to overspend, asking for one can be an easy way to improve your credit score. After all, spending the same amount of money with a higher limit means a lower credit utilization ratio.