The Amex Blue Cash Preferred credit limit is $1,000 to nearly $30,000, according to reports from Blue Cash Preferred cardholders online. Amex does not publicize its minimum or maximum credit limits, instead setting Blue Cash Preferred credit limits based primarily on an applicant’s credit history and annual income. So, applicants will not know their exact credit limit until they’re approved for an account.
If you’re not satisfied with your starting Amex Blue Cash Preferred credit limit, you can contact American Express and request a credit limit increase. Log in to your online account and find the “Increase Credit Limit” link in the Account Services menu to make your request. Or, call customer service at 1 (800) 528-4800. When prompted, enter your card number and state “credit limit increase” to connect to a customer service representative. Bear in mind that your odds of getting a credit limit increase are best if you’ve made at least 6 consecutive months of on-time payments on your Blue Cash Preferred account.
The Amex Blue Cash Preferred credit score requirement is 700 or higher. That means applicants need at least “good” credit for approval. Some forum posts online report getting approved for American Express Blue Cash Preferred with scores as low as 665.
Your credit score is not the only thing American Express considers, however, annual income, existing debt, and derogatory marks on your credit also matter. The good thing is you can see if you’re pre-qualified for an American Express card by using their online … read full answerpre-qualification tool.
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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