To check your American Express Platinum card balance, log in to your American Express account online or call customer service at 1-800-528-4800. It's also possible to check your American Express Platinum card balance through the American Express app.
How to Check Your American Express Platinum card Balance
Online:Log in to your American Express account to see your American Express Platinum card's balance.
By Phone: Call 1-800-528-4800 and follow the prompts to have the automated system read your current balance.
By App: Log in to the American Express app. Your card balance will be shown on the home screen.
It's a good idea to keep an eye on your American Express Platinum card balance. If your balance seems higher than it should be, take a moment to look over your recent transactions for anything out of the ordinary.
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.
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.
No, the American Express Platinum card doesn’t have any preset spending limit. 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.… read full answer
While “no preset limit” can sound enticing, it can actually be quite dangerous. Credit utilization is a major factor in how your credit score is calculated. Essentially, “credit utilization” refers to how much of your credit limit you’re using each month. The less you use up, the better it is for your credit score. However, cards that have no preset limit make it extremely difficult to determine your credit utilization. They have the potential to hurt your credit score as a result.
You also have to consider things in even more practical terms. If you don’t know what your spending limit is, you won’t know when you’re approaching it. That could leave you in a tough spot in an emergency situation and make it difficult to buy high priced items with confidence. Thankfully, many cardholders have reported getting emails or calls from Amex early on, saying they were approaching their spending threshold and would need to make a payment before being allowed to make any more purchases.
The best thing to do when trying to figure out how much you can spend on your American Express Platinum card is to start small and gradually increase your spending over time.
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