The Amex EveryDay® Credit Card from American Express credit limit is determined on a case-by-case basis. There isn’t even a minimum limit listed in the terms and conditions. It all comes down to your credit history, income and debt, plus Amex’s particular preferences and priorities.
This means you won’t know what your spending limit is until you’ve been approved for this card. But if you’re not satisfied with the limit you get, you’re not necessarily stuck with it forever. You can request a credit limit increase online or by calling customer service. And if you don’t get approved for the credit limit you need for a specific purpose, you can always try a different card.
Here’s what we know about Amex EveryDay® Credit Card credit limits:
Basics: Amex will review your credit history, income, assets and existing debt obligations to determine how large of a credit line you can afford. The higher your credit score is and the more money you have available after existing obligations, the higher you can expect your Amex EveryDay® Credit Card credit limit to be.
Rumors: We’ve seen reports of people getting a $25k limit with a 752 score and a $15k limit with a 708 score. But you have to take people’s claims with a grain of salt.
Increases: If you’ve had your Amex EveryDay® Credit Card for at least 60 days, you can request a credit limit increase. Call Amex customer service at (800) 528-4800, enter your account number, and then state your request.
You can also do so online, by logging into your account and going to the “Credit Management” page.
There’s no way of knowing what your Amex EveryDay® Credit Card credit limit is going to be beforehand. But the best way to get the limit you want is to keep improving your credit. And WalletHub’s free credit monitoring tool can help. Also, while it’s not the same as a credit limit increase, paying off your balance multiple times a month can allow you to get more use out of your card at its current limit.
The Amex EveryDay® Credit Card from American Express
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.
Your Amex EveryDay approval odds depend on your credit standing, income and financial obligations. For starters, you need good or excellent credit to have even a hope of qualifying. So with a credit score of 669, the average person’s Amex EveryDay approval odds wouldn’t be all that good. Some people say good credit starts at a score of 660. But 700 is a better starting point for good EveryDay approval odds.… read full answer
It’s also worth noting that American Express lets you check for pre-approved offers on their website. Pre-approval means a strong chance of a successful application, and checking won’t hurt your credit score. Below, you can learn more about what types of applicants are likely to have the most success.
Here are the requirements for Amex EveryDay Credit Card approval:
The Amex EveryDay Card requires a minimum of good credit. Good credit ranges from 700 to 749.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.