Some Amex cards, including the Amex Gold Card, don't have a preset spending limit. Instead, the amount you can spend is flexible and can change based on factors like purchase and credit history, and payment habits. If you're ever unsure of whether or not a big purchase will be approved, you can use Amex's "Check Spending Power" tool in your online account or app to find out. Because the Amex Gold Card isn't like a traditional credit card, you're required to pay your balance in full each month, otherwise, you'll be charged hefty late fees. However, Amex offers a "Pay Over Time" feature that you can activate. It allows you to pay off eligible charges of $100 or more, with interest, over a longer period.