Regular Contributor
Posts: 222
Registered: ‎10-25-2010

AMEX Zync NPSL Minimum Initial Limit

As best I can tell the Zync comes in three versions ($200, $500 and NPSL). I realize the Zync NPSL has a internal spending limit based on credit history, score and spending patterns - but what is the minimum initial spending limit?

Starting Scores: 667 EQ 09/2013 | 682 TU08 01/2014 | 685 EX 03/2013(via AMEX App)
Current Scores: 667 EQ 09/2013 | 700 TU08 05/2015 | 689 EX 06/2014(via AMEX CLI)

AMEX BCE $12.3K | AMEX Zync NPSL | Cap1 Quicksilver MC $3.9K | NFCU Visa Signature cashRewards $20K
NFCU NavChek $15K | Target Visa $5K | Comenity VS $5.3K | Walmart $4.5K
Established Contributor
Posts: 731
Registered: ‎12-14-2011

Re: AMEX Zync NPSL Minimum Initial Limit

That will be based upon a variety of factors such as: credit score, utilization, income and assets, other lines of credit you have, credit history, history with amex specifically, etc. Best bet is to call customer service and ask them what you current starting limit is. Mine started around 2,000 internal limit and quickly grew to be much much higher. I currently don't know what mine is at but have never had problems.

“The real measure of your wealth is how much you’d be worth if you lost all your money.” ~Unknown
Citi Prestige World Elite Mastercard ($35,000.00), Merrill+ Visa Signature ($25,000.00), Amex BCP ($29,700.00), Amex Green (NPSL), Capital One Quicksilver World Mastercard ($10,000.00), Chase Ink Business Bold (NPSL)
TU-778 (12/03/2014))
EX (Plus) - 777 (10/21/2013)
EQ - 735 (April 2013)
Super Contributor
Posts: 6,667
Registered: ‎04-07-2008

Re: AMEX Zync NPSL Minimum Initial Limit

As any NPSL charge card, they need to view your spending pattern. When  got approved for mine, I check the 'check my spending' and it was approved for $3000. SO i presume it might have been a little higher. YMMV

Moderator Emeritus
Posts: 11,922
Registered: ‎12-30-2011

Re: AMEX Zync NPSL Minimum Initial Limit

[ Edited ]

I tried it twice for giggles: $2000 approved, $5000 not approved.


$2000 is around my high balance on my other tradelines (though recently racked up 3.5K fixing wardrobe / insurance payment / other one-time events) and $5000 is the CL of my highest tradeline.


Attempting to back-into the Amex NPSL math, at my listed income I have around 6700/mo post-tax; average housing payment around here is probably 2.5Kish, my car payment(s) (refinanced recently but the old Wells loan is still reporting) would be 850ish technically, and utilities / cell phone / etc are probably another couple hundred, and food probably 500ish in their metric.  So $2500-3K would probably be about mine too if I tried it again I suspect.


Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)

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