How High are American Express Credit Limits? A Detailed guide

American Express credit limits are not readily available like with other issuers. Amex keeps their credit limits close to the vest and only reveals them once you are approved for an account.

This can be frustrating for those who want to know what their limit may be before applying, but there are a few factors that can give you a ballpark idea.

In this blog post, we will discuss what factors influence your American Express credit limit and give you a range of what you can expect.

How High are American Express Credit Limits
How High are American Express Credit Limits?

What is the average American Express credit limit?

The average American Express credit limit is $5,000. But keep in mind that this number will vary based on individual factors. Some factors that may affect your credit limit include your credit score, income, and credit history. So if you have a good credit score, a steady income, and a good credit history, you may be eligible for a higher credit limit.

Factors That Affect American Express Credit Limits

There are a few things that affect how high your credit limit may be with American Express. These include your credit history, debt level, income, and payment history on other American Express cards.

Your credit history

Your credit history is one of the most important factors in any credit decision. Amex will look at your report to see how you have handled credit in the past.

This includes things like on-time payments, length of credit history, and any derogatory marks such as bankruptcies or foreclosures. If you have a strong credit history, you will likely be approved for a higher limit.

Debt level

The debt level is another important factor. Amex will look at your current debt load to see how much additional debt you can handle.

If you have a lot of high balances on other cards, this could lead to a lower limit with Amex. They want to make sure you can handle the additional debt without becoming delinquent on your payments.


Income is also taken into consideration when deciding on your credit limit. Amex wants to make sure you can afford the minimum payment each month, so they will look at your income level when making a decision. If you have a higher income, you will likely be approved for a higher limit.

Finally, Amex will also look at your payment history on other American Express cards when deciding on your limit. If you have always made your payments on time and kept balances low, this will work in your favor when it comes to getting a high limit from Amex.

One Way to Estimate Possible Credit Limit

One way to get an idea of what your credit limit may be is by reading customer reviews of the card you are interested in applying for. Many people will mention what their credit limit was in the review, which can give you an idea of what to expect.

However, it is important to take these reviews with a grain of salt as everyone’s circumstances are different and there is no guarantee you will be approved for the same amount.


While American Express doesn’t disclose credit limits before approval, there are still some ways to get an idea of what yours may be. By taking into account factors such as credit history, debt level, income, and payment history on other American Express cards, you can get an estimate of what your possible credit limit may be.

Additionally, reading customer reviews can give you some insight; however, it’s important to remember that everyone’s circumstances are different so these should only be used as an estimate rather than gospel truth.

What do you think? Do you have an American Express card? What was your credit limit? Let us know in the comments below.

About Author

Dhiraj Jha
Dhiraj Jha
As a personal finance and credit cards expert, I provide valuable insights and advice on budgeting, saving, investing, and debt management. I am also an expert on credit card rewards programs and help readers make informed decisions about which cards are right for them. My goal is to help people improve their financial literacy and make better financial choices.