The 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 an Amex EveryDay 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 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 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 Card for at least 60 days, you can request a credit limit increase. Call Amex customer service at 1-800-528-4800, 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 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.
Really depends on your income and credit, but my everyday preferred has a $35,000.00 limit.
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