Amex Spend Manager is the old name for the American Express Business App, which allows Amex business and corporate credit card owners to manage all their cards in one place. Business owners can set spending limits on employee cards, flag transactions, and freeze cards using the app formerly known as Amex Spend Manager. They can also add new users, make bill payments and more.
Other features of the American Express Business App include the ability to view each card’s benefits and see maps of where they are accepted. Plus, you can use the app to take pictures of receipts and match them to card transactions, as well as create PDFs of expense reports.
The Amex Business App is available for free through the Apple App Store or Google Play. Alternatively, you can text AMEXBUSINESS to 86509 to get a direct download link.
American Express authorized user spending limits are customizable and can be as low as $200 for each user. To set an American Express authorized user’s spending limit, log in to your online Amex account, open the Account Services tab, and click “Manage Spending Limits for Additional Card Members.”
Keep in mind that changes will not take effect until the next billing cycle. Also, if you do not set custom spending limits for authorized users, all additional cardholders will have access to the same amount of credit that’s available to you.… read full answer
Finally, don’t forget your credit utilization as you set authorized user spending limits. Charges from authorized users will be added to your own purchases and will decrease your available credit. And if additional card members bump your credit utilization over 30%, your credit score will likely take a hit.
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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