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How to increase your American Express credit limit

Pay your balance on time and use your credit card often.

A high credit limit can help you make large purchases with your card and can positively affect your credit score. But you must be eligible to get your credit line increase request approved.

How to increase my American Express credit limit

You have four options to increase your American Express credit limit.

  1. Submit your request online
  2. Call the bank
  3. Get an automatic credit limit increase
  4. Apply for another card

Unless you get an automatic credit limit increase, make sure you have the following information close by — your annual income, employment and occupation, a reason for the request, your monthly credit card spend and mortgage/rent payment.


American Express doesn’t make a hard pull on your credit when you request a credit line increase.

Submit your request online

Amex makes it easy to request a credit limit through your online account. All you have to do is:

  • Log in to your online American Express account.
  • Select the card you want.
  • Go to the card management section under Account services.
  • Select the option to increase your credit limit.
  • Enter the credit limit amount you are requesting and your annual income.
  • Submit.

Call the bank

As an alternative, you can call American Express and request a credit limit increase directly with customer support. Here’s how to do it:

  • Call Amex using the number on the back of your card.
  • Request a credit limit increase.
  • Provide the necessary information, including your income and the amount you request.

When will I receive the credit limit increase?

In most cases, you should receive your credit line increase as soon as your request is approved.

Get an automatic credit limit increase

Even if you don’t request a credit line increase, you can still get one. But for that to occur, you have to:

  • Use your card often. Charge as many purchases on your credit card as possible to show you could use a credit limit increase.
  • Pay your balance on time. And make sure you pay it in full. This is probably the most important factor that determines whether you get a credit line increase.
  • Update your annual income. If you earn more money now than when you applied for the card, Amex will notice.

Apply for another card

Sometimes, applying for a new card could be the best option to increase your credit limit. That way you can get additional perks, like a welcome offer, 0% intro APR period, a rewards program or a no annual fee.

How can I find out my American Express credit limit?

Log in to your online account and select the card you want to check. Look for your credit limit under the Home section. You can also check your credit limit on your credit card statement or you can call customer support and ask.

If you can’t find your credit limit, it probably means you have a card that requires you to pay your full balance at the end of each month. This doesn’t mean you have unlimited spending power; It just means you can’t carry your balance.

How do I know if I am eligible for a credit limit increase?

American Express has the following eligibility criteria:

  • Your credit card account must be at least 60 days old.
  • You must pay your balance on time and in full.
  • You actively use your credit card.
  • You have a higher income than when you applied for the card.
  • Your credit score improved.

Keep in mind, even if you meet these requirements you may still get denied for a credit line increase.

Compare cards with higher credit limits

All credit cards in the table below come with a high credit limit. However, the credit line you receive depends on various factors, including your annual income, employment and creditworthiness.

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Everyday® Card from American Express
3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on other purchases (redeem as statement credit)
0% intro for the first 15 months (then 13.99% to 23.99% variable)
Earn a $200 statement credit after spending $2,000 in the first 6 months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on other purchases (redeem as statement credit)
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Earn a $300 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Luxury Card Mastercard® Black Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
14.99% variable
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.

Compare up to 4 providers

How is my American Express credit limit determined?

American Express determines your credit line based on:

  • Annual income.
    The more you earn, the more you spend. Credit card providers often give a high credit line to cardmembers with high annual income.
  • Employment.
    Show American Express that you have a steady income and a steady job. Card providers take notice and believe you can be a responsible cardholder.
  • Creditworthiness.
    Pay your balance on time and keep your debt low to boost your credit score. This is a major factor in determining interest rates and credit line.
  • Utilization rate.
    Keep utilization rate at 30% or lower to show you can manage debt.
  • The number of credit card inquiries.
    Applying for too many cards in a short period of time can lead your card provider to think you are desperate for credit. This can only affect new credit card applications, but not a credit line request since Amex doesn’t make a hard pull.

How often will Amex increase my credit limit?

You can request a credit line increase after 60 days of card membership. After that, wait at least six months to request another increase.

Bottom line

Call American Express customer service or log in to your online account to request a credit limit increase. But before you make the request, pay your balance on time and use your credit card as often as possible to improve your chances of success.

If, for some reason, you can’t get a credit line increase, consider applying for a new credit card. If approved, you will get access to a new line of credit, plus you could get additional perks.

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