AMEX Gold Card - Highest Credit Limit?

Zeus911

Hi All,
I've been with Amex for two years now and have their gold card, I currently have a limit of £23,950 but the higher the better.
As I am looking to make a couple of big purchases this year so wondered what is the maximum credit limit one can have?

[Deleted User]

There's no defined maximum.

[Deleted User]

Whatever they consider you are worth gambling on based on your earnings, spending etc
For the ultra rich, the black series has no limit

Sandtree

Deleted_User said:

There's no defined maximum.

Still? Back when it was a chargecard that was certainly the case... is it still the case now its a credit card?

Deleted_User said:

Whatever they consider you are worth gambling on based on your earnings, spending etc
For the ultra rich, the black series has no limit

There is no "black series" gold card. There is the Centurion Card, aka the black card, but that is a chargecard rather than a credit card. All their chargecards are "unlimited" though thats a little more complex in reality.

The most the people I've known with a centurion card are not "ultra rich" by any stretch but travelled extensively for work but could buy their own tickets and expense it.

[Deleted User]

Sandtree said:

Deleted_User said:

There's no defined maximum.

Still? Back when it was a chargecard that was certainly the case... is it still the case now its a credit card?

Deleted_User said:

Whatever they consider you are worth gambling on based on your earnings, spending etc
For the ultra rich, the black series has no limit

There is no "black series" gold card. There is the Centurion Card, aka the black card, but that is a chargecard rather than a credit card. All their chargecards are "unlimited" though thats a little more complex in reality.

The most the people I've known with a centurion card are not "ultra rich" by any stretch but travelled extensively for work but could buy their own tickets and expense it.

Black card is just a general name for the cards that are available for the ultra rich, it comes from the urban legend that there was such a card that people like film stars were able to get that meant they could buy anything they wanted as well as having all sorts of benefits. Which led to people trying to apply for the non-existent card which they subsequently created.

I suspect what you are thinking of is not the Centurion card or the people you know were lying about what they had (or perhaps the UK has a different version). The original black AmEx is an invitation only card for people who have been able to get the Platinum, who spend upwards of $250,000 a year, who pay an initial fee of $10,000 and an annual fee of $5000. It offers perks such as 24 hour concierge, flight upgrades, free hotel rooms, personal shoppers etc. One of the holders in Europe fancied buying the horse used in Dances with Wolves and ordered it on their Centurion card and AmEx tracked it down to Mexico and brought it over; another wanted some sand from the Dead Sea for a kid's school project in London and they sent someone on a motorbike to collect some and courier it over. Yes it's a charge card if you want to be a pedant but people who simply fly a lot for work do not qualify to be invited.

The AmEx black certainly isn't the most exclusive either, the Coutts World Silk for example needs you to have $1m+ in their account or the Dubai First card which is trimmed with real gold and comes with a diamond in the card, the card has no limit or restrictions. Similarly the JP Morgan Reserve (aka the Palladium), aimed at the "1% of the 1%" which needs $10m in your account

Sandtree

Deleted_User said:
I suspect what you are thinking of is not the Centurion card or the people you know were lying about what they had (or perhaps the UK has a different version). The original black AmEx is an invitation only card for people who have been able to get the Platinum, who spend upwards of $250,000 a year, who pay an initial fee of $10,000 and an annual fee of $5000. It offers perks such as 24 hour concierge, flight upgrades, free hotel rooms, personal shoppers etc. One of the holders in Europe fancied buying the horse used in Dances with Wolves and ordered it on their Centurion card and AmEx tracked it down to Mexico and brought it over; another wanted some sand from the Dead Sea for a kid's school project in London and they sent someone on a motorbike to collect some and courier it over. Yes it's a charge card if you want to be a pedant but people who simply fly a lot for work do not qualify to be invited. 

No, I was confused about people replying about the Centurion chargecard when the question was about a Gold Credit Card... just because Centurion can allow you to buy a hotel on it doesn't mean that they allow Gold Credit Card's to have limits that high.

There is no set minimum that triggers getting a Centurion offer though if you look over at FlyerTalk you'll see most speculate that in the UK once you are over £120,000 then you may start be considered. The UK fee is £3,000 up front and £2,200 per year (inc the first year)... a lot cheaper than the USA. You can see the benefits at https://www.headforpoints.com/2021/02/22/american-express-centurion-card-review/ if you are interested. There is rumours of a two tier Centurion, identical cards/fees etc but one a pimped platinum card and the other where they'll go beyond to solve problems for you.

Travelling extensively with work, especially when you are paying for the colleagues/consultants to travel too, makes it very easy to spend massively over £10,000 per month. Add further if you are CxO of a financial services company that issues AmEx cards as its company cards. Even I was averaging well over £25,000 a month for a few months when paying all costs for myself, a colleague and 4 consultants to go to the USA business class twice a month. For me it was a one off period so no invite for me but my boss was doing similar for several years.

The few I know well with the cards certainly aren't lying and certainly their work (directly or indirectly) has almost certainly significantly contributed to achieving it. I've been to a few of the AmEx sponsored events in London, never considered travelling to the overseas ones, and certainly with the blind auction/donations there were plenty of black cards being used (mine was obviously a silver one). No film stars or musicians but a lot of american owners of medium sized businesses 

Zeus911

interesting thanks guys

[Deleted User]

Sandtree said:

Deleted_User said:
I suspect what you are thinking of is not the Centurion card or the people you know were lying about what they had (or perhaps the UK has a different version). The original black AmEx is an invitation only card for people who have been able to get the Platinum, who spend upwards of $250,000 a year, who pay an initial fee of $10,000 and an annual fee of $5000. It offers perks such as 24 hour concierge, flight upgrades, free hotel rooms, personal shoppers etc. One of the holders in Europe fancied buying the horse used in Dances with Wolves and ordered it on their Centurion card and AmEx tracked it down to Mexico and brought it over; another wanted some sand from the Dead Sea for a kid's school project in London and they sent someone on a motorbike to collect some and courier it over. Yes it's a charge card if you want to be a pedant but people who simply fly a lot for work do not qualify to be invited. 

No, I was confused about people replying about the Centurion chargecard when the question was about a Gold Credit Card... just because Centurion can allow you to buy a hotel on it doesn't mean that they allow Gold Credit Card's to have limits that high.

There is no set minimum that triggers getting a Centurion offer though if you look over at FlyerTalk you'll see most speculate that in the UK once you are over £120,000 then you may start be considered. The UK fee is £3,000 up front and £2,200 per year (inc the first year)... a lot cheaper than the USA. You can see the benefits at https://www.headforpoints.com/2021/02/22/american-express-centurion-card-review/ if you are interested. There is rumours of a two tier Centurion, identical cards/fees etc but one a pimped platinum card and the other where they'll go beyond to solve problems for you.

Travelling extensively with work, especially when you are paying for the colleagues/consultants to travel too, makes it very easy to spend massively over £10,000 per month. Add further if you are CxO of a financial services company that issues AmEx cards as its company cards. Even I was averaging well over £25,000 a month for a few months when paying all costs for myself, a colleague and 4 consultants to go to the USA business class twice a month. For me it was a one off period so no invite for me but my boss was doing similar for several years.

The few I know well with the cards certainly aren't lying and certainly their work (directly or indirectly) has almost certainly significantly contributed to achieving it. I've been to a few of the AmEx sponsored events in London, never considered travelling to the overseas ones, and certainly with the blind auction/donations there were plenty of black cards being used (mine was obviously a silver one). No film stars or musicians but a lot of american owners of medium sized businesses 

Evidently the black card is not the exclusive one it is in America

floppydisk1

Back to the OP  ,  maximum credit limit one can have is  whatever Amex decide for that particular cardholder and depends entirely on each and every single one's individual circumstances  as every single account is judged on it's own merits and data, could be 1000 ( I think that's their minimum ) or 10000000000000000  millibiliigazillion or anything in between ( how long is a piece of string comes to mind ... )

Sandtree

Deleted_User said:

Sandtree said:

Deleted_User said:
I suspect what you are thinking of is not the Centurion card or the people you know were lying about what they had (or perhaps the UK has a different version). The original black AmEx is an invitation only card for people who have been able to get the Platinum, who spend upwards of $250,000 a year, who pay an initial fee of $10,000 and an annual fee of $5000. It offers perks such as 24 hour concierge, flight upgrades, free hotel rooms, personal shoppers etc. One of the holders in Europe fancied buying the horse used in Dances with Wolves and ordered it on their Centurion card and AmEx tracked it down to Mexico and brought it over; another wanted some sand from the Dead Sea for a kid's school project in London and they sent someone on a motorbike to collect some and courier it over. Yes it's a charge card if you want to be a pedant but people who simply fly a lot for work do not qualify to be invited. 

No, I was confused about people replying about the Centurion chargecard when the question was about a Gold Credit Card... just because Centurion can allow you to buy a hotel on it doesn't mean that they allow Gold Credit Card's to have limits that high.

There is no set minimum that triggers getting a Centurion offer though if you look over at FlyerTalk you'll see most speculate that in the UK once you are over £120,000 then you may start be considered. The UK fee is £3,000 up front and £2,200 per year (inc the first year)... a lot cheaper than the USA. You can see the benefits at https://www.headforpoints.com/2021/02/22/american-express-centurion-card-review/ if you are interested. There is rumours of a two tier Centurion, identical cards/fees etc but one a pimped platinum card and the other where they'll go beyond to solve problems for you.

Travelling extensively with work, especially when you are paying for the colleagues/consultants to travel too, makes it very easy to spend massively over £10,000 per month. Add further if you are CxO of a financial services company that issues AmEx cards as its company cards. Even I was averaging well over £25,000 a month for a few months when paying all costs for myself, a colleague and 4 consultants to go to the USA business class twice a month. For me it was a one off period so no invite for me but my boss was doing similar for several years.

The few I know well with the cards certainly aren't lying and certainly their work (directly or indirectly) has almost certainly significantly contributed to achieving it. I've been to a few of the AmEx sponsored events in London, never considered travelling to the overseas ones, and certainly with the blind auction/donations there were plenty of black cards being used (mine was obviously a silver one). No film stars or musicians but a lot of american owners of medium sized businesses 

Evidently the black card is not the exclusive one it is in America

If you look at the stats its about the same in Europe (inc uk) as the USA that there is 1 Centurion card for every 4 Platinum... though estimates are always based on the circulation of Departures magazine  

Alex9384

floppydisk1 said:

could be 1000 ( I think that's their minimum )

My friend got £400 credit limit on her first Amex. Her salary was relatively high but she was only 22 and didn't have too much of a credit history.