Credit Cards

Transferring Available Credit Between Amex Cards: A Quick Tutorial

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Rene’s Points For Better Travel, a division of Chatterbox Entertainment, Inc. has partnered with CardRatings for our coverage of credit card products. Rene’s Points For Better Travel and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. As an Amazon Associate I earn from qualifying purchases.


In my post detailing a recent Delta Platinum Amex retention call, I mentioned transferring some of my available credit from one card to another.

A few readers asked how to reallocate credit lines between Amex cards. So I figured this would be a good opportunity for a quick how-to!
So we’re all clear: this is not a balance transfer. That’s a completely different (and potentially dangerous) beast.

Why Transfer Lines of Credit Between Cards?

If you’re going to close a credit card, you might as well use its credit line to your advantage. It can be very helpful for your debt-to-credit ratio — even after you’ve canceled that card.

Or if you need to make a big purchase on another card and need more credit, you may consider reallocating some of your credit, at least temporarily. This saves you a credit check when requesting a credit line increase.

Aside from that, I generally don’t reallocate lines of credit just for grins.

Delta SkyMiles American Express Platinum Card

Which Cards are Eligible?

Credit lines may be transferred between personal and business American Express credit cards.

But with a few exceptions. You can transfer from a…

You cannot, however, transfer credit from a business card to a personal card.

I used the Delta Amexes for our examples. But you can transfer between co-branded and Amex-branded cards, etc.

I’ve read the “from” card needs to be at least 12 months old and the “to” card must be at least 90 days old. But data points seem to change every so often, so YMMV.

How Much Can You Transfer?

Each card has an established minimum credit line. Amex doesn’t publish those numbers — but a rep will probably tell you if you ask nicely.

The personal/consumer Delta Platinum Amex card, for example, must have at least a $1700 credit line. Let’s say you have that card and its credit line is $10,000. You could transfer $8300 to another card(s).

(The personal/consumer Delta Reserve Amex card, I learned, requires a $3700 minimum credit line.)

Transfers must be in $100 increments (i.e. $3000, $890, $10,200 — you get the picture).

Once you select the cards involved, Amex will tell you the maximum you may transfer. According to Amex, this figure “is based on several factors such as your current credit limit, how much you have already spent, your cash credit limit and other internal factors.”

How Do You Actually Transfer Available Credit?

This can be accomplished online or over the phone.

Personally, I’m a fan of the online option. Here’s the link to transfer your credit. (Thanks, DoC!)

Transfer credit lines between Amex cards

Select the “from” and “to” cards from the dropdown menus. Your current credit limits will be displayed. Decide how much to transfer and then click “Continue.”

Amex will either approve your decline your request.

Questions?

This was a brief-ish how-to. But if you have questions, please leave them in the Comments section!

— Chris

 

Rene’s Points For Better Travel, a division of Chatterbox Entertainment, Inc. has partnered with CardRatings for our coverage of credit card products. Rene’s Points For Better Travel and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. As an Amazon Associate I earn from qualifying purchases.


Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

2 Comments

  1. Well, that is unfortunate. I want to cancel my delta platinum AMEX business card because the only reason I kept that was to use it after I hit the $60,000 spent threshold on my reserve card.

    Now that the thresholds on the reserve card are much better I don’t need the business card anymore.

  2. Barry Graham Reply

    I know you are correct that you can’t transfer Business to Personal. I am sure that in the past I was able to do that, a couple of years ago. I wouldn’t have been so quick transferring from Personal to Business had I known it would be so hard to change back some day. I wonder if it can be done by phone.

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