Request for a credit limit increase You could make the request online or over the phone by calling the customer service number on the back of your card. Keep in mind that a request could result in a hard credit inquiry, which might slightly impact your overall credit score.

Increasing your "spending power" on an Amex Platinum is different from a standard credit card because the Platinum is traditionally a charge card with no preset spending limit. Instead of a fixed number, your limit is dynamic and based on your payment history, credit score, and financial resources. To increase this internal limit in 2026, the most effective method is to consistently spend and pay off your balance in full every month, which builds "trust" in the Amex algorithm. You can use the "Check Spending Power" tool in the Amex app to see if a large upcoming purchase will be approved. If you need a permanent increase for a "Pay Over Time" limit (which functions more like a credit line), you can request a "Credit Limit Increase" via the "Manage Account" tab on the Amex website. Generally, being a cardholder for at least 60 to 90 days with a clean payment record is required before Amex will consider a significant adjustment to your spending profile.