No, American Express does not have an unlimited credit card. You will find some American Express cards with no preset spending limit, but that just means your spending limit is flexible and adapts based on your credit history and spending on the card. There are no credit cards that are truly unlimited, even if some credit card limits aren’t fixed.
American Express Cards with No Preset Spending Limits
- The Platinum Card® from American Express
- American Express® Gold Card
- American Express® Green Card
- Centurion® Card from American Express
- The Business Platinum Card® from American Express
- American Express® Business Gold Card
- The Plum Card® from American Express
How American Express Cards with No Preset Spending Limit Work
Each of these cards functions differently than traditional credit cards in a few important ways. For instance, these Amex cards require you to pay for most purchases in full at the end of each billing cycle, unlike traditional cards that set a minimum payment.
Even with no preset spending limit, there is still a cap on how much you can spend in a given month. Cardholders have reported getting calls or emails from American Express to notify them that they’re approaching their spending threshold. You can also check for yourself on the American Express website or mobile app.
On any American Express card, your individual limit will vary depending on your credit history and income. If these factors improve, no preset spending limit cards may adjust your limit automatically.
How No Preset Spending Limit Cards Affect Your Credit Score
American Express doesn’t report a limit for these cards to the major credit bureaus. Without a stated limit, these cards won’t contribute to your credit utilization, which is an important factor determining your credit score. Your utilization ratio measures how much of your available credit you’re using, so cards with no set limit are frequently left out of these calculations. However, a few scoring models may measure your card’s utilization using your highest balance as your limit, which could make your score seem low.
This answer was last updated on 01/16/24 and it was first published on 10/25/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
