60,000 is the limit for Platinum and Centurion accounts, 15,000 is the limit for Green and Gold accounts. This is a feature of USA-issued personal and business cards only.

1. Through a Points Advance, you may obtain and use up to 60,000 points in advance of accruing them in your program account. You may request a Points Advance only in connection with a conversion of points to a participating Frequent Customer Program or redemption of points for a reward. You may obtain a Points Advance only for your own program account. We may decline any request for a Points Advance.
2. Linked Accounts or Cards that are eligible to obtain Points Advance are referred to in this section as “Points Advance-eligible Linked Accounts.” Corporate Card members and Additional Business Card members having only those Cards enrolled in the program are not eligible to obtain a Points Advance. You must have had a Card account for at least six (6) months and all of your Linked Accounts must be in good standing to obtain a Points Advance.
3. You may not obtain a Points Advance in connection with the following transactions: payment of the federal excise tax offset fee disclosed in paragraph 2 of the Frequent Customer Programs section of these Terms & Conditions; a Redemption for a Card Account Credit; Use of Points for Everyday Charges; and transactions which may be paid with a point redemption, including Pay with Points, shopAmex and Amazon.com transactions. We may advise you of additional ineligible transactions at the time you seek a Points Advance.
4. You may obtain a Points Advance only if you have insufficient points in your program account for your desired conversion or redemption transaction. The number of points you may obtain in a Points Advance is equal to the difference between the number of points required for your desired conversion or redemption transaction and the number of points you have accrued in your program account, up to your Points Advance limit. You may obtain more than one Points Advance, provided that the total of your outstanding Points Advances may never exceed 60,000 points. If you wish to accomplish a redemption or conversion transaction using a Purchase Points transaction and/or reinstated points together with a Points Advance, you must complete the Purchase Points transaction and/or the point reinstatement before you request a Points Advance.
5. You must accrue points in your program account in an amount equal to a Points Advance within 12 months of the date that you received that Points Advance. Any portion of a Points Advance for which you have not accrued points within that period will be charged to a Points Advance-eligible Linked Account of yours at the rate charged for a Purchase Points transaction on the date that you received the Points Advance. Please remember that there is a delay between when you make eligible charges on a Linked Account and when you accrue points attributable to those charges in your program account. Points that accrue in your program account after a Points Advance maturity date will not apply toward satisfaction of that Points Advance, even if the charges for which those points accrue were made prior to that maturity date. If you have more than one Points Advance outstanding, points accrued in your program account will be applied first toward the oldest outstanding Points Advance.
6. If you return a reward for which you redeemed using points obtained through a Points Advance, the points you are credited in connection with that return will be applied first toward that Points Advance. If you have already accrued points in an amount equal to that Points Advance, then the points you are credited will be applied toward your oldest outstanding Points Advance, if any. Otherwise, the points will be credited to your program account.
7. If you have an outstanding Points Advance at the time that your enrollment in the program is canceled for any reason or that all of your Points Advance-eligible Linked Accounts are canceled for any reason, the portion of that Points Advance for which you have not accrued points will be charged to a Points Advance-eligible Linked Account of yours at the rate charged for a Purchase Points transaction on the date that you received the Points Advance. You will be charged for the unsatisfied portion of the Points Advance even if you still have Linked Accounts or Cards that are not Points Advance-eligible Linked Accounts.
8. You may be offered promotional opportunities to earn bonus points. There may be a delay between when you engage in the activity qualifying you to receive bonus points and when the bonus points are credited to your program account. Bonus points that are credited to your program account after a Points Advance maturity date will not apply toward satisfaction of that Points Advance, even if you engaged in the activity qualifying you to receive the bonus points prior to that maturity date.