8 Tips to Increase Your American Express Credit Limit (And What to Do If You Are Denied)

Key Takeaways

• You can request an American Express credit limit increase online or by calling customer service. You’ll need to provide your annual income and the requested line of credit amount.
• If you have a large purchase coming up, you can request a temporary credit increase, which does not incur a fee.
• If you have been a customer for less than 60 days or are prone to late payments, your chances of getting a credit limit increase are slim.

Do you need a credit limit increase on your American Express credit card, but aren’t sure how to get it? You’re in the right place.

There are a few ways to get a credit limit increase, and some essential things to remember during the process. Before you attempt to get a credit limit increase, be sure you know how to use your credit wisely. Spending more than you can pay off every month will result in interest charges and can damage your credit!

1. Establish Why You Want an Increase

Why do you want a credit limit increase? There are both valid and frivolous reasons to want to increase your credit.

Are you planning a large purchase that you’d like to put on your card? If so, be sure to tell Amex when requesting your increase — this is a legitimate reason to request an increase.

Or are you planning on maxing out your new limit with purchases that you really can’t afford without using credit? In this case, your chances of getting a credit increase are slim (and you should consider re-examining how you use credit).

Using credit wisely is important, especially when you’re collecting miles and points.

You should pay your bill in full every month so interest charges don’t offset your rewards. Plus, if you carry a balance, your credit score will probably be negatively affected.

If you haven’t been able to pay off your bill every month in the past, you’re probably not ready for a credit limit increase.

Bottom Line: Paying off your credit card bill in full each and every month is key. Carrying a balance will not only burden you with interest charges, but it can damage your credit in the process.

2. Know Your Current Credit Limit

You should know what your current credit limit is before you request a credit limit increase. You can find your credit limit in your online American Express account.

Once you log in to your account, choose the card you want by clicking on the credit card icon in the upper right corner of your screen.

Then you will be able to see your available credit limit in the Home section of your credit card account. This number represents your available credit, not necessarily your entire credit limit for that card. If you have recent transactions, those amounts will be deducted from your credit limit to get this available credit amount. In most cases, this number will be close enough to your actual credit limit to help you decide how much more credit you can reasonably ask for.

If you notice there is not a credit limit number, chances are you are looking at a charge card. Charge cards don’t come with a preset spending limit*. Rather, your spending power is determined based on spending patterns, payment history, credit records, and financial resources.

While charge cards don’t have a credit limit, it doesn’t mean they offer unlimited spending — you still need to be responsible with your credit!

Hot Tip: For more information check out our post on charge cards versus credit cards.

3. Ask for a Temporary Credit Increase

American Express allows you to ask for a temporary credit limit increase if you have an upcoming large purchase. While there is no fee for this service, your monthly minimum payment will increase.

To check your spending power and request a temporary increase, follow these simple steps:

1. Once you log in to your account, choose the card you want by clicking on the credit card icon in the upper right corner of your screen.
2. Check your spending power by clicking Check Spending Power in blue on the left side of your screen. This will be available on both charge and credit cards.
   

From here, fill out the purchase amount and click Submit to try to get a temporary credit increase.

4. Apply for a New American Express Card

The easiest way to increase your Amex credit limit is actually to open a new credit card.

In addition to credit cards, American Express also offers charge cards, which are a little different. Charge cards have no preset spending limit*, but they require you to pay your balance in full every month. Credit cards have a set credit limit and allow you to carry a balance from month to month (though it’s not a good idea!).

American Express limits the number of credit and charge cards you can have at one time to 5. So as long as you don’t have 5 credit cards open, you can apply for a new one — the same is true for charge cards.

American Express Cards

Here are some of the best credit card choices from American Express. Once you open your new card, you can often transfer some of the credit from the new card to another if you would prefer your new credit to be on a different card.

HIGHEST CASH BACK

Terms Apply / Rates & Fees

Blue Cash Preferred^® Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Blue Cash Preferred^® Card from American Express

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Welcome Offer

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

$250

Annual Fee

$0 intro annual fee for the first year, then $95.

APR

18.49%-29.49% Variable,0% on purchases for 12 months

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Blue Cash Preferred^® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.

With bonus categories like U.S. supermarkets, select U.S. streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!

Pros & Cons

Pros

• 6% cash-back at U.S. supermarkets (up to $6,000 per year)
• 6% cash-back on select U.S. streaming subscriptions
• 3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)

Cons

• $0 intro annual fee for the first year, then $95 annual fee (rates and fees)

Read Full Review

Card Highlights

• Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
• $0 intro annual fee for the first year, then $95.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It^® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.49% - 29.49%.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations.
• 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
• Terms Apply.

Financial Snapshot

• APR: 18.49%-29.49% Variable,0% on purchases for 12 months
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

Redeem cash-back through your American Express account

Terms Apply / Rates & Fees

Blue Cash Everyday^® Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Blue Cash Everyday^® Card from American Express

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Welcome Offer

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

$200

Annual Fee

$0

APR

18.49%-29.49% Variable,0% on purchases for 15 months

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday^® Card from American Express apart from the rest?

This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.

Pros & Cons

Pros

• 3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
• 3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
• 3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.

Cons

• Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Read Full Review

Card Highlights

• Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
• No Annual Fee.
• Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.49% to 29.49% variable APR.
• 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
• 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
• 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
• Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday^® Card. Enrollment required.
• Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday^® Card.
• Terms Apply.

Financial Snapshot

• APR: 18.49%-29.49% Variable,0% on purchases for 15 months
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Terms Apply / Rates & Fees

The Blue Business^® Plus Credit Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Learn More(at Amex's secure site)

The Blue Business^® Plus Credit Card from American Express

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Welcome Offer

Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

15,000 points

UP's Bonus Valuation*:

$330

Annual Fee

No annual fee

APR

17.74% - 25.74% Variable,0% on purchases for 12 months from date of account opening

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-840)

Why We Like This Card

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business^® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

Pros & Cons

Pros

• 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
• Purchase protection and extended warranty protection
• No annual fee and employee cards at no additional cost

Cons

• No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
• No elite travel benefits like lounge access or elite status

Read Full Review

Card Highlights

• Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
• You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
• No Annual Fee
• Terms Apply.

Financial Snapshot

• APR: 17.74% - 25.74% Variable,0% on purchases for 12 months from date of account opening
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

American Express Membership Rewards

Bottom Line: American Express offers both charge cards and credit cards. You can have up to 4 of each card type open at one time. Opening a new card is usually the quickest way to increase your credit limit.

5. Be a Standout Customer

If you are generally a creditworthy customer, you have a good chance of getting your desired credit limit increase. Here are a few things American Express will be looking at:

• Have you been a customer for at least 60 days? If not, you will not get a credit limit increase. Some reports indicate you need to be a customer for at least 6 months before requesting an increase.
• Do you pay off your bill in full and on time every month? American Express will report your credit card account as delinquent to the credit reporting agencies if you don’t pay your minimum balance for 2 consecutive billing periods.
• Are you using a reasonable amount of your current credit limit, or is it maxed out? Your credit utilization ratio — meaning the percentage of your available credit that you’re using — is used to determine your creditworthiness. Try to keep this number as low as possible, ideally under 30%.

Bottom Line: If you are a brand-new customer (less than 60 days) or habitually have late or partial payments, your chances of getting a credit limit increase are slim to none.

6. Request a Credit Limit Increase Online

You can submit a credit limit increase request directly on the American Express website.

First, log in to your account and choose the card you would like to request the increase on. Be sure you are looking at a credit card and not a charge card.

Click on Account Services in the main toolbar at the top of your screen.

From the Card Management tab at the left, select Increase Your Credit Limit in the middle of the screen.

Fill in the credit limit amount you are requesting plus your annual income, then click Continue to complete the request.

7. Call American Express Directly

If you are in the market for a credit limit increase, you will probably need to contact American Express and ask for it directly. Here are a few things to keep in mind before you pick up the phone.

• Be ready to tell them why you should qualify for a credit limit increase. Factors like being a long-term customer, paying your bill on time, or a recent income increase are all positive things to mention to the customer service rep when making your request.
• Know what you want and ask for a reasonable amount. If your current credit limit is $1,000, don’t ask for a $10,000 limit! You are more likely to get the increase you’re looking for if it’s a reasonable amount. A good rule of thumb is to ask for a 10%-25% increase.
• Offer to move credit. If you already have a large amount of credit from American Express, you can often move credit around from one card to another to get an increase on a specific card. If you are opening a new account, offering to take credit from one card to put toward the new one can help get you approved.
• Be polite. This one is simple, but it’s still important. The Amex customer service rep is just doing their job, so it’s never a good idea to be rude if you don’t get what you want.

8. Ask for a Balance Transfer

Balance transfers are a good way to persuade American Express to increase your credit limit. A balance transfer means you’re moving the balance from one credit card to another. It’s usually done to simplify and consolidate debt or to lower your interest rate.

American Express balance transfers are usually completed within 5-7 days, but they can take up to 6 weeks to finalize.

Hot Tip: Balance transfers only work on American Express credit cards, not charge cards.

Balance Transfer Fees

Banks love balance transfers because they typically charge a transfer fee, and will eventually get to collect interest on any balance that you don’t pay off in full by the time any promotional 0% interest period is over.

Most American Express cards come with a standard balance transfer fee: 3% of the transaction, with a minimum of $5. However, you can occasionally find promotions offering a $0 balance transfer fee.

What Should You Do If Your Request Is Denied?

Your request for a higher credit limit was denied — now what?

The first thing to do is call American Express back and ask again. Make your case for why a higher credit limit should be extended (for a large purchase, balance transfer, or higher income), and your request may be approved.

Many unofficial sources indicate that you need to wait at least 90 days after you are denied to make a repeat request.

If your request is still denied, it’s time to look at your credit score and re-evaluate how you use the credit you already have.

Know Your Credit Score

It’s a good idea to know what your credit score is so you can monitor it (and hopefully watch it grow). There are lots of places to check your credit score, and many are free. It’s a good idea to do this occasionally to make sure everything is correct and up to date.

There are 3 main credit bureaus in the U.S.

• Transunion – (800) 680-7289
• Equifax – (800) 525-6285
• Experian – (888) 397-3742

Each of these sites charges a fee to see your credit report. However, there are ways to get it for free.

Every year, all consumers in the U.S. are entitled to receive 1 free credit report from each of the 3 main credit bureaus. You are also entitled to get a free credit report if you were denied credit or experienced any other adverse reaction based on your credit report (such as identity theft).

To get your free reports, check out annualcreditreport.com, or use these sites:

• Credit Karma
• Credit Sesame
• American Express MyCredit Guide

American Express MyCredit Guide

American Express also offers a tool that provides you with a free credit score — MyCredit Guide. This service is actually available to anyone, even if you aren’t an American Express cardholder. They will provide your TransUnion credit report and a weekly VantageScore 3.0 credit score by TransUnion.

Checking MyCredit Guide does not impact your credit score, so you can use it as often as you wish.

1. You can access MyCredit Guide by clicking here or logging in to your online Amex account. Scroll to the bottom of the page and select Free Credit Score & Report.
   

Click the blue Sign Up Now box.

Fill out your information or take the shortcut if you already have an Amex account. Then click Continue

After you answer a few questions to verify your identity, you will be able to see your credit score and explore all of the MyCredit Guide tools.

How to Increase Your Credit Score

Increasing your credit score is a good way to set yourself up to be approved for your desired credit limit increase. Boosting your score is actually pretty simple. Follow these basic rules to see your number grow:

• Pay your bills on time each month (including rent, phone, and utilities)
• Pay your bills in full each month
• Pay off any outstanding credit card debt you may have
• Don’t close your oldest accounts
• Don’t open too many new credit cards at one time

Final Thoughts

There are many legitimate reasons to want a credit limit increase. If you have been an American Express customer for at least 6 months and always pay your bills in full and on time, you are in good standing to request an increase. You can do this online or just make a call to Amex to state your case.

If you are denied, it’s probably a good time to take a look at how you use credit. Make it a goal to pay off your bill in full on time each and every month. In addition to being the responsible way to use credit, it will help raise your credit score and will set you up to be approved the next time you request an increase.

If all else fails, just be patient. American Express will often increase your credit if you are using it responsibly by paying your balance in full and on time. If you’re patient, you might get a credit limit increase without doing anything!

*No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.