Easily transfer credit between your American Express cards online

If you hold multiple credit cards, managing your portfolio can be complex. This includes understanding how to allocate credit limits between cards. Fortunately, if you're an American Express cardholder, the process is straightforward.

Here's what you should be aware of.

Transferring credit between American Express cards

To move credit between your American Express cards, you can visit the "account services" section at americanexpress.com and request an increase in your credit line. Keep in mind that this might lead to an additional inquiry on your credit report, and you might prefer not to increase your credit limit further.

There’s a simple process you can follow to adjust credit limits among your American Express cards.

• Visit the American Express website.
• Log into your Amex account using this link.
• Select the card from which you want to move the credit limit.
• Choose the card to which you wish to transfer the credit limit.
• Specify the amount of credit you want to transfer. (Amex will show the limits available for transfer.)

Once you submit the request, you might see a message indicating that you should wait 15 minutes for the new limits to be visible — or they might show up immediately.

That's all there is to it. It's that easy.

Additional information to consider

Here are a few more important points to keep in mind when transferring credit lines:

• You can transfer credit between personal cards, from one business credit card to another, and even from a personal card to a business card. However, transferring credit from a business card to a personal card is not allowed.
• There might be restrictions on how long a card needs to be active before you can transfer to or from it, as well as limits on how frequently you can move credit. If you receive an error after submitting the request, it may be due to these restrictions. Unfortunately, we were unable to get clarification on these limits from an Amex representative.
• No hard or soft credit pull occurs when transferring credit lines.
• The cards you wish to transfer between must be visible within the same online account.

Conclusion

Transferring your credit limits between cards is a useful online feature offered by Amex, though it may not be used as frequently as it should be. If you need to adjust your credit lines, skip the phone call and follow our instructions to complete the process online in just a few minutes.