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2020

Best High Limit Credit Cards: Spend More, Earn More, Do More

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Looking for credit cards with high credit limits? Whether you want to accommodate a hefty monthly spend, finance large purchases, or pay off a big balance, you’ll find them here.

Best High Limit Credit Cards: Spend More...
Brendan Harkness

By Brendan Harkness

Selection Criteria

What’s a high credit limit?

Let’s start by tackling the definition of “credit limit.”

Your credit limit is the amount you’re allowed to charge to your credit account without having to pay off at least some of your balance. If you exceed your credit limit the issuer will usually just decline the transaction.

$10,000 is generally considered to be a high credit card limit. If you get credit lines like that, it’s clear that the card issuer trusts you to be a pretty responsible borrower.

With most cards the credit limit you get will depend on your creditworthiness, with an emphasis on your credit scores and income. In general, the better your credit and the higher your income, the higher your credit limits will be.

That means almost any card can be a high limit credit card — even those you can get with average credit. But those designed for good and excellent credit are most likely to get the highest limits, because card issuers feel more comfortable extending more credit to people with better scores.

Some cards have minimum required credit limits, which may be revealed by the issuer in the fine print. If you’re approved for a card like that you can be sure you’ll get at least that much. That’s why the Chase Sapphire Reserve® (Review), with its minimum required $10,000 credit limit, is our number one pick.

Out of all the reward cards, premium travel cards tend to come with the highest limits. So our list includes more than a few travel cards, but some simple cash back and balance transfer cards make appearances as well.

Benefits of High Credit Limits
Best High Limit Credit Cards: Spend More...
Brendan Harkness

By Brendan Harkness

Benefits of High Credit Limits

  • Greater spending capacity: You’ll be able to charge more before you need to make payments, which can be useful in emergencies.
  • More comfortable shopping: Large credit lines mean you won’t need to worry about your card being declined at the register for hitting the limit.
  • Finance large purchases: Credit cards can be used to pay off purchases over time, especially with 0% intro APR cards.
  • Improve credit scores: The higher your credit limits, the lower your revolving credit utilization ratio will be (as long as you don’t rack up more debt, of course). This is great for your credit scores in general.
  • Consolidate debt: A large credit line lets you move all your debt onto the same low-interest card, like a 0% APR balance transfer card.
  • Transfer credit lines: Some credit card companies will allow you to transfer credit lines between cards. You can consolidate onto one card to get a very big credit line, or spread your total credit line out over multiple cards.
  • Access more benefits: The credit limit you’re approved for may factor into the number and type of card benefits you receive. A Visa Signature card, for example, will often require a $5,000 credit limit and may come with more perks than a Visa Platinum card (and in rare cases, a better signup bonus).

Want a higher credit limit? You can usually request a credit limit increase from your issuer. Rejected? Try improving your credit and making more money (easier said than done, we know!).

Selection Criteria
BEST PICK FOR

Premium Travel (Credit Card)

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Our rating
Min. credit level Excellent
Details
Annual Fee $550
Regular APR 18.49% - 25.49% Variable

The Chase Sapphire Reserve® (Review) is one of the leading premium travel cards, with competitive reward rates on travel and dining, a flexible travel credit, and a variety of cost-saving perks.

The Sapphire Reserve comes with a minimum credit limit of $10,000. It’s issued as a Visa Infinite card, the highest tier of Visa benefits available.

Spending Rewards
  • 10X Ultimate Rewards points per dollar on Lyft rides
  • 3X Ultimate Rewards points per dollar on:
  • 1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus Offer
  • 50,000 bonus points for spending $4,000 in the first 3 months after account opening
  • Credit limit: Minimum of $10,000
  • 50% point bonus: Redeem for travel expenses (like airfare or hotels) through Chase Ultimate Rewards to get a 50% point bonus.
  • Point transfer: To a variety of popular airline and hotel loyalty programs at a 1:1 rate, including JetBlue, United, and Marriott Bonvoy.
  • Annual $300 travel credit: An automatic $300 credit that will applied to eligible travel expenses (of which there are many).
  • Complimentary Priority Pass Select membershipAccess to Priority Pass airport lounges around the world with a one-time enrollment process.
  • Global Entry or TSA PreCheck application fee credit: Get reimbursed for the application fee of either Global Entry ($100) or TSA PreCheck ($85), once every four years.
  • Luxury Hotel & Resort Collection: Discounts, benefits, and perks at participating locations around the world.
  • Elite Hotel Benefits at Relais & Châteaux: Accelerated progress towards Club 5C member status at Relais & Châteaux.
  • Special car rental privileges: Rental upgrades, discounts, and special offers at Avis, Silvercar, and National Car Rental.
  • Auto Rental Collision Damage Waiver: Provides primary coverage for rental cars when you decline the rental company’s own insurance.
  • Lyft Pink membership: One free year of Lyft Pink, which includes 15% off rides, relaxed cancellations, surprise offers, and priority airport pickup.
  • DoorDash membership: A free membership (DashPass) for a year, which provides free delivery for orders of $15 or more.
  • $60 annual DoorDash credit: Get $60 in DoorDash credits in 2020, and $60 in credits in 2021.
  • No foreign transaction fees
  • Annual fee: $550
Citi Prestige® Card

Citi Prestige® Card

  • Credit limit: Minimum of $5,000
  • 5X ThankYou points per dollar spent on:
    • Air travel
    • Restaurants
  • 3X ThankYou points per dollar spent on:
    • Hotels
    • Cruise lines
  • 1X ThankYou point per dollar spent on everything else
  • 50,000 ThankYou points for spending $4,000 within 3 months of account opening
  • Perks: $250 travel credit; 4th night free on eligible hotel stays; Priority Pass Select membership; Global Entry/TSA PreCheck fee credit
  • No foreign transaction fee
  • Annual fee: $495
View card details
U.S. Bank Altitude Reserve Visa Infinite® Card

U.S. Bank Altitude Reserve Visa Infinite® Card

  • Credit limit: No minimum credit limit published by issuer, but reported by Doctor of Credit to be $5,000
  • 3X points per dollar spent on:
    • Travel
    • Mobile Wallet purchases
  • 1X point per dollar spent on all other purchases
  • 50,000 bonus points for spending $4,500 in the first 90 days of membership
  • Perks: $325 travel credit; 12-month Priority Pass Select membership; Global Entry/TSA PreCheck fee credit; enhanced status at Relais & Châteaux hotels and resorts
  • No foreign transaction fee
  • Annual fee: $400
View card details
BEST PICK FOR

Premium Travel (Charge Card)

The Platinum Card® from American Express

The Platinum Card® from American Express

Our rating
Min. credit level Good
Details
(Rates & Fees)
Annual Fee $550
Regular APR N/A
Apply Now

securely on the issuer's website

Ah, The Platinum Card® from American Express (Review). With near-mythical status in the credit card universe, the Platinum card has long been one of the most well-known and coveted travel cards.

In today’s competitive market, the card tends to be valued more for its benefits — like the annual travel credits, unrivaled airport lounge access, and elite hotel statuses — rather than for its rewards, which are a bit limited. There’s a lot going on here, so if you’re a cardholder be sure to explore the many features before booking travel.

Charge cards like this don’t have a traditional credit limit. Instead, your purchasing power adjusts over time with your usage of the card. You can typically expect it to be relatively high, but you can use Amex’s “Spending Power” tool to test different purchase amounts.

Spending Rewards
  • 5X Membership Rewards points per dollar on:
    • Flights booked directly through airlines or through Amex Travel
    • Prepaid hotels booked through Amex Travel
  • 2X Membership Rewards points per dollar on other eligible travel expenses booked through Amex Travel
  • 1X Membership Rewards point per dollar on all other purchases
Introductory Bonus Offer
  • 60,000 bonus points for spending $5,000 in purchases in the first 3 months
  • Global Lounge Collection: Complimentary access to Priority Pass, Centurion, American Express International, Delta Sky Club, Escape, Airspace, Lufthansa, and Plaza Premium Lounges.
  • $200 annual airline fee credit: Good for incidental costs like baggage fees and in-flight food (not flight tickets) at your selected airline.
  • $200 annual Uber credit: $15 in statement credits for Uber rides each month, except for December which gets $35.
  • $100 annual Saks credit: Up to $100 in statement credits each year for Saks Fifth Avenue: $50 from January through June, and $50 from July through December.
  • Global Entry or TSA PreCheck application fee credit: A statement credit for the application fee of either Global Entry ($100 every four years) or TSA PreCheck ($85 once every four and a half years).
  • The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay.
  • Fine Hotels & Resorts Program: Daily breakfast for two, room upgrades when available, amenities valued at $100, and more at eligible properties.
  • Complimentary elite hotel statuses: Hilton Honors Gold status and Marriott Bonvoy Gold Elite status.
  • Point transfer: To a selection of airline and hotel loyalty programs.
  • No foreign transaction fees (Rates & Fees)
  • Annual fee: $550
  • Charge card: You must pay your statement balance in full each month.
American Express® Gold Card

American Express® Gold Card

  • Charge card: You must pay your statement balance in full each month.
  • 4X Membership Rewards points per dollar at:
    • Restaurants worldwide
    • U.S. Supermarkets (up to $25,000 spent annually)
  • 3X Membership Rewards points per dollar on:
    • Flights booked directly with airlines
    • Flights booked through amextravel.com
  • 1X Membership Rewards point per dollar for every other purchase
  • 35,000 bonus points for spending $4,000 in the first 3 months
  • Perks: $120 dining credit; $100 airline fee credit; The Hotel Collection
  • No foreign transaction fee (Rates & Fees)
  • Annual fee: $250
View card details
American Express® Green Card

American Express® Green Card

  • Charge card: You must pay your statement balance in full each month.
  • 3X Membership Rewards points per dollar for:
    • Travel
    • Restaurants
  • 1X Membership Rewards point per dollar for all other purchases
  • 30,000 bonus points for spending $2,000 in the first 3 months
  • Perks: $100 in annual CLEAR membership credits; $100 in annual LoungeBuddy credits
  • No foreign transaction fee (Rates & Fees)
  • Annual fee: $150
View card details
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

BEST PICK FOR

Airline Travel

New! United Club℠ Infinite Card

New! United Club℠ Infinite Card

Our rating
Min. credit level Good
Details
Annual Fee $525
Regular APR 17.99% - 24.99% Variable

Take a bird’s-eye view at some premium airline credit cards. The New! United Club℠ Infinite Card (Review) in particular will get you quite a high limit — its minimum required credit line is $15,000!

The following runners up don’t have published minimum limits.

Spending Rewards
  • 4X miles per dollar spent on United purchases
  • 2X miles per dollar spent for:
    • Restaurants
    • Travel
  • 1X mile per dollar spent everywhere else
Introductory Bonus Offer
  • 100,000 bonus miles after spending $5,000 in the first 3 months after account opening
  • Credit limit: Minimum of $15,000
  • United Club membership: Complimentary membership to the United Club airport lounge, with free access for you and two guests
  • Premier Access airport travel services: Includes priority check-in and security screening, and boarding/baggage handling privileges
  • Luxury Hotel & Resort Collection: Hotel perks like daily breakfast for two, complimentary WiFi, and room upgrades when available
  • World of Hyatt Discoverist status: A 10% point bonus, room upgrades, and other benefits at Hyatt properties
  • Hertz Gold Plus Rewards President’s Circle Elite Status: Get a 25% point bonus, upgrades, and exclusive offers at Hertz
  • Complimentary Premier Upgrades on United award flights: MileagePlus Premier members can get award ticket upgrades when available
  • Global Entry or TSA PreCheck fee credit: Get a $100 credit for the application fee of Global Entry, or $85 for TSA PreCheck, once every four years.
  • Free first and second checked bags: For you and one traveling companion
  • No foreign transaction fees
  • Annual fee: $525
Delta SkyMiles® Reserve American Express Card

Delta SkyMiles® Reserve American Express Card

  • 3X SkyMiles per eligible dollar spent for purchases made directly with Delta Air Lines
  • 1X SkyMile per eligible dollar spent everywhere else
  • 80,000 bonus miles and 20,000 MQMs for spending $5,000 in the first 3 months; 20,000 bonus miles after your first cardmember anniversary (expires 4/1/2020)
  • Perks: Delta Sky Club and Centurion Lounge access; annual Companion Certificate; Global Entry/TSA PreCheck fee credit; first checked bag free; priority boarding/security
  • No foreign transaction fee (Rates & Fees)
  • Annual fee: $550
View card details
Citi® / AAdvantage® Executive World Elite™ Mastercard®

Citi® / AAdvantage® Executive World Elite Mastercard®

  • 2X miles per dollar for American Airlines purchases
  • 1X mile per dollar everywhere else
  • Earn 50,000 AAdvantage bonus miles when you spend $5,000 in the first 3 months of account opening
  • Perks: Admirals Club membership; first checked bag free; reduced mileage awards; 25% in-flight discount; Global Entry/TSA PreCheck application fee credit
  • No foreign transaction fee
  • Annual fee: $450
View card details
Southwest Rapid Rewards® Priority Credit Card

Southwest Rapid Rewards® Priority Credit Card

  • 2X points per dollar at:
  • 1X point per dollar spent everywhere else
  • 40,000 bonus points for spending $1,000 in the first 3 months
  • Perks: $75 Southwest credit; 7,500 annual bonus points; four upgraded boardings per year; 20% in-flight discount
  • No foreign transaction fee
  • Annual fee: $149
View card details
JetBlue Plus Card

JetBlue Plus Card

  • 6X points per dollar for JetBlue purchases
  • 2X points per dollar at:
    • Restaurants
    • Grocery stores
  • 1X point per dollar spent everywhere else
  • 40,000 bonus points for paying the annual fee and spending $1,000 on purchases in 90 days
  • Perks: First checked bag free; 50% discount on in-flight purchases; 5,000 annual bonus points; 10% point redemption bonus
  • No foreign transaction fee
  • Annual fee: $99
View card details
Alaska Airlines Visa Signature® Credit Card

Alaska Airlines Visa Signature® Credit Card

  • 3X miles per dollar for Alaska Airlines purchases
  • 1X mile per dollar spent everywhere else
  • 40,000 bonus miles and a Companion Fare for spending $2,000 in the first 90 days
  • Perks: Annual Companion Fare credit; first checked bag free
  • No foreign transaction fee
  • Annual fee: $75
View card details
2 5
BEST PICK FOR

Hotel Stays

Hilton Honors Aspire Card

Hilton Honors Aspire Card

Our rating
Min. credit level Excellent
Details
Annual Fee $450
Regular APR 16.74%–25.74% Variable
Apply Now

securely on the issuer's website

Book your hotel and resort stays with a premium hotel credit card, like the Hilton Honors Aspire Card, and you’ll be accompanied by a retinue of premium benefits as well.

Those perks can include elite hotel status, free night stays, and Priority Pass Select airport lounge membership. These hotel cards don’t have published minimum limits.

Spending Rewards
  • 14X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
  • 7X Hilton Honors points per dollar spent on:
    • Flights booked directly with airlines or amextravel.com
    • Car rentals booked directly from select car rental companies
    • U.S. restaurants
  • 3X Hilton Honors points per dollar spent on all other purchases
Introductory Bonus Offer
  • 150,000 bonus points for spending $4,000 on purchases in the first 3 months after account opening
  • Complimentary Hilton Honors Diamond status: Includes a 100% bonus on Base points earned, room upgrades to suites when available, executive lounge access, a 48-hour room guarantee, and more
  • Annual free Weekend Night Award: One free night every year, and earn another free weekend night by spending $60,000 in a calendar year
  • $100 Hilton on-property Credit: Good for every eligible stay of two nights or more, valid for incidental fees only
  • Annual $250 Hilton resort statement credit
  • Annual $250 airline fee statement credit: For incidental fees only
  • Airport lounge access: Complimentary access to Priority Pass Select airport lounges (excludes non-lounge experiences)
  • No foreign transaction fee
  • Annual fee: $450
Marriott Bonvoy Brilliant™ American Express® Card

Marriott Bonvoy Brilliant™ American Express® Card

  • 6X Marriott Bonvoy Bonus points per dollar for eligible purchases charged on your Card directly with participating Marriott Bonvoy properties
  • 3X Marriott Bonvoy Bonus points per dollar:
    • For flights booked directly from airlines
    • At U.S. restaurants
  • 2X Marriott Bonvoy Bonus points per dollar for all other purchases
  • 75,000 bonus points for spending $3,000 in the first 3 months
  • Perks: $300 Marriott Bonvoy credit; Free Night Award; Gold Elite status; Priority Pass Select membership; Global Entry/TSA PreCheck application fee credit
  • No foreign transaction fee
  • Annual fee: $450
View card details
Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card

  • 12X Hilton Honors Bonus points for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
  • 6X Hilton Honors Bonus bonus points at U.S. supermarkets, U.S. restaurants, and U.S. gas stations
  • 3X Hilton Honors Bonus points per dollar on all other eligible purchases
  • 125,000 Hilton Honors Bonus points for spending $2,000 in the first 3 months
  • Perks: Gold status; 10 Priority Pass lounge visits; Weekend Night Award for spending $15,000
  • No foreign transaction fee (Rates & Fees)
  • Annual fee: $95
View card details
The World Of Hyatt Credit Card

The World Of Hyatt Credit Card

  • 9X points per dollar on eligible purchases from Hyatt
    • 4X points per dollar from the card
    • 5X points per dollar for your Hyatt Discoverist status
  • 2X points per dollar for:
    • Restaurants
    • Local transit and commuting
    • Flights purchased directly from airlines
    • Fitness club and gym memberships
  • 1X point per dollar on all other purchases
  • 25,000 points for spending $3,000 on purchases within the first 3 months; 25,000 points for spending $6,000 within the first 6 months
  • Perks: Free night stay; World of Hyatt Discoverist status
  • No foreign transaction fee
  • Annual fee: $95
View card details
2 3
  • 14X Bonus Points per dollar at participating Hilton Portfolio hotels and resorts
  • 20X additional Base Points per dollar at Hilton Portfolio hotels and resorts for your Diamond member status
  • 7X Bonus Points per dollar at U.S. restaurants, flights booked directly with airlines, select car rentals
  • 3X Bonus Points per dollar on all other eligible purchases
  • 150,000 Bonus Points for spending $4,000 in the first 3 months
  • Complimentary Hilton Honors Diamond status and other benefits
  • No foreign transaction fees
  • $450 annual fee

The information related to Hilton Honors Aspire Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

BEST PICK FOR

Flat-Rate Cash Back

Citi® Double Cash Card - 18 month BT offer

Citi® Double Cash Card - 18 month BT offer

Our rating
Min. credit level Good
Details
Annual Fee $0
Regular APR 13.99% – 23.99% (Variable)
Apply Now

securely on the issuer's website

It’s hard to go wrong with the Citi® Double Cash Card - 18 month BT offer (Review). With an industry-leading 2% back for every purchase you make and no annual fee, the Double Cash should be most people’s go-to option for purchases that fall outside the bonus categories of other cards (unless you have a way to get more than 2% back for that spending).

The minimum credit limit for the Double Cash is just $500, but your limit could potentially be much higher.

Spending Rewards
  • 2% cash back for every purchase you make
    • 1% back when you make a purchase
    • 1% back when you pay for that purchase
  • Credit limit: Minimum of $500
  • Citi Concierge: Call for non-emergency help whenever you need it, like assistance making travel reservations.
  • ShopRunner membership: Use ShopRunner to get free two-day shipping and returns at participating retailers.
  • Free credit score: Check your FICO Bankcard Score 8 for free, based on your Equifax credit report.
  • Balance Transfer APR: 0% for 18 months on Balance Transfers, then a regular APR of 13.99% – 23.99% (Variable) (for transfers made during the first four months)
  • Annual fee: $0
Chase Freedom Unlimited®

Chase Freedom Unlimited®

  • 5% cash back on Lyft rides
  • 1.5% cash back on all other purchases
  • $150 bonus for spending $500 in the first 3 months
  • Purchase and Balance Transfer APR: 0% for 15 months, then 16.49% - 25.24% Variable
  • Annual fee: $0
View card details
Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

  • 1.5% cash back on all purchases
  • $150 for spending $500 in the first 3 months after account opening
  • Purchase and Balance Transfer APR: 0% for 15 months, then 15.49% - 25.49% Variable
  • Annual fee: $0
View card details
American Express Cash Magnet® Card

American Express Cash Magnet® Card

  • 1.5% cash back on all purchases
  • $150 cash back for spending $1,000 in the first 3 months
  • Purchase and Balance Transfer APR: 0% for 15 months, then 12.99–23.99% Variable (Rates & Fees)
  • Annual fee: $0
View card details
PayPal Cashback Mastercard®

PayPal Cashback Mastercard®

  • 2% cash back on all purchases
  • Purchase APR: 22.24%, 26.24% or 29.24% Variable
  • Annual fee: $0
View card details
2 4
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

Citi is a Credit Card Insider advertiser.

BEST PICK FOR

Long 0% Balance Transfer APR

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Our rating
Min. credit level Good
Details
Annual Fee $0
Regular APR 13.74% – 23.74% (Variable)
Apply Now

securely on the issuer's website

Need time to pay off some debt? Transfer it over to a 0% balance transfer card, and you could save hundreds in interest fees.

The Citi® Diamond Preferred® Card (Review) has the longest intro period on the market, giving you 21 months at zero interest before the regular rate of 13.74% – 23.74% (Variable) kicks in.

Purchases will get a shorter 0% period, of 12 months.

  • Balance Transfer APR: 0% for 21 months, for transfers completed in the first four months, then 13.74% – 23.74% (Variable)
  • Balance Transfer fee: 5% of each balance transfer; $5 minimum
  • Citi Concierge: Call 1-800-508-8930 anytime to speak with a personal assistant, who can help with non-emergency tasks like finding tickets or making reservations.
  • Citi Entertainment: Access tickets to a wide variety of events, like concerts and sporting events, occasionally including presales and exclusive experiences.
  • Free FICO Score: Check your FICO Bankcard Score 8, based on your Equifax credit report, for free.
  • Purchase APR: 0% for 12 months, then 13.74% – 23.74% (Variable)
  • Annual fee: $0
Citi Simplicity® Card – No Late Fees Ever

Citi Simplicity® Card – No Late Fees Ever

  • Balance Transfer APR: 0% for 21 months, for transfers made in the first four months, then 14.74% - 24.74% (Variable)
  • Balance transfer fee: 5%, $5 minimum
  • Purchase APR: 0% for 12 months, then 14.74% - 24.74% (Variable)
  • Annual fee: $0
View card details
U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

  • Balance Transfer APR: 0% for 20 billing cycles, for transfers made in the first 60 days, then 14.99%–24.99% Variable
  • Balance transfer fee: 3%, $5 minimum
  • Purchase APR: 0% for 20 billing cycles, then 14.99%–24.99% Variable
  • Annual fee: $0
View card details
Wells Fargo Platinum card

Wells Fargo Platinum card

  • Balance Transfer APR: 0% Intro APR for 18 months on qualifying balance transfers, for transfers made in the first 120 days, then 15.49%-24.99% Variable
  • Balance transfer fee: 3% for 120 days, then 5%
  • Purchase APR: 0% Intro APR for 18 months, then 15.49%-24.99% Variable
  • Annual fee: $0
View card details
Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer

  • Balance transfer APR: 0% for 18 months on Balance Transfers, for transfers completed within 4 months, then 13.99% – 23.99% (Variable)
  • Balance transfer fee: Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum
  • Purchase APR: 13.99% – 23.99% (Variable)
  • 2% cash back for every purchase
  • Annual fee: $0
View card details
2 4
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 13.74% – 23.74%, based on your creditworthiness. All transfers must be completed in first 4 months.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 13.74% – 23.74%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® score online.
  • With Citi EntertainmentSM, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 13.74% – 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

Citi is a Credit Card Insider advertiser.

BEST PICK FOR

No-Fee Balance Transfers

Amex EveryDay® Credit Card

Amex EveryDay® Credit Card

Our rating
Min. credit level Good
Details
Annual Fee $0
Regular APR 13.99%–24.99% Variable
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You probably wouldn’t expect the Amex EveryDay® Credit Card (Review) to be one of the best credit cards for balance transfers. It’s long been a decent rewards card, but thanks to its low introductory interest rates, and especially the lack of a transfer fee, this card recently became a prime contender in the balance transfer space as well.

A lot of reward cards have 0% intro APRs, but they have balance transfer fees; and some balance transfer cards have no transfer fees, but they don’t have rewards. The Amex EveryDay takes some of the best features of each, without any significant downsides (transfers must be made in the first 60 days, however).

Amex does not specify a minimum required credit limit for this card.

Spending Rewards
  • 2X Membership Rewards points at U.S. Supermarkets (up to $6,000 in purchases per year, then 1X)
  • 1X Membership Rewards point on all other purchases
  • 20% point bonus for making 20 or more purchases in a billing period
Introductory Bonus Offer
  • 10,000 Membership Rewards points for spending $1,000 on purchases within the first 3 months
  • Amex Offers: Discounts or extra points at a variety of merchants
  • Complimentary ShopRunner membership: Register with ShopRunner for free two-day shipping and returns at select online retailers.
  • Entertainment Access: Exclusive tickets to events, concerts, sports, and shows.
  • Purchase and Balance Transfer APR: 0% for 15 months, then a regular APR of 13.99%–24.99% Variable (for transfers made during the first 60 days)
  • No balance transfer fees
  • Annual fee: $0
Chase Slate®

Chase Slate®

  • Purchase and balance transfer APR: 0% for 15 months, then 16.49%–25.24% Variable
  • Balance transfer fee: $0 for the first 60 days, then 5%, $5 minimum
  • Balance transfer limit: $15,000
  • Annual fee: $0
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BankAmericard® Credit Card

BankAmericard® Credit Card

  • Purchase and balance transfer APR: 0% for 15 billing cycles, then 15.24%–25.24% Variable
  • Balance transfer fee: $0 for first 60 days, then 3%, $10 minimum
  • Annual fee: $0
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NFCU Platinum Credit Card

NFCU Platinum Credit Card

  • Balance transfer APR: 0% for 12 months, for transfers requested within 30 days, then 8.24%–18.00% Variable
  • Balance transfer fee: None
  • Purchase APR: 8.24%–18.00% Variable
  • Annual fee: $0
View card details
2 3
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.99%–25.99%.
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • No annual fee.
  • Terms Apply.

The information related to Amex EveryDay® Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

BEST PICK FOR

Fair Credit

Capital One® QuicksilverOne® Cash Rewards Credit Card

Capital One® QuicksilverOne® Cash Rewards Credit Card

Our rating
Min. credit level Fair
Details
Annual Fee $39
Regular APR 26.99% Variable
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The Capital One® QuicksilverOne® Cash Rewards Credit Card isn’t your ordinary credit card. It’s designed to provide individuals with limited or average credit with a chance to earn rewards, something you don’t find on every card at this credit level.

How? Well, you’ll have to pay an annual fee, but it’s on the small side. Cards made for average credit typically don’t offer the highest credit lines right off the bat, but you can increase your credit limit over time through the ways mentioned above. The starting credit limit for this card is just $300.

But, if you make your first five monthly payments on time, Capital One will automatically increase your credit line — a nice feature if you need more spending capacity.

Spending Rewards
  • 1.5% cash back for every purchase
  • Higher Credit Line: Access a higher credit line after making your first five monthly payments on time.
  • CreditWise: Use the CreditWise tool to monitor your TransUnion credit report, and your VantageScore 3.0 based on that report.
  • Purchase and Balance Transfer APR: 14.49% - 25.49% Variable
  • No foreign transaction fee
  • Annual fee: $0
Discover it® Cash Back

Discover it® Cash Back

  • 5% cash back in categories that rotate every three months
  • 1% cash back on all other purchases
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year
  • Purchase and Balance Transfer APR: 0% for 14 months, then 13.49% - 24.49% Variable
  • Annual fee: $0
View card details
Discover it® chrome

Discover it® chrome

  • 2% cash back on up to $1,000 spent per quarter at:
    • Gas stations
    • Restaurants
  • 1% cash back on all other purchases
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year
  • Purchase and Balance Transfer APR: 0% for 14 months, then 13.49% - 24.49% Variable
  • Annual fee: $0
View card details
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn’t expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app

The information related to Capital One® QuicksilverOne® Cash Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

BEST PICK FOR

Bad Credit

Discover it® Secured

Discover it® Secured

Our rating
Min. credit level Bad
Details
(Rates & Fees)
Annual Fee $0
Regular APR 24.49% Variable
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If you want a secured card with the highest credit limit you can get, the Discover it® Secured (Review) is the plastic for you.

You can provide up to $2,500 for the security deposit, although you should consider if that money could be better spent elsewhere (at least some of it). If you have a load of credit card debt increasing your credit utilization and bringing your scores down, for example, it might make more sense to pay some of that off.

You’ll even earn some rewards, a rare feature when it comes to secured cards.

Discover will review your card account and your credit periodically, every eight months. Show responsible credit use, and Discover may return your deposit and let you keep using the account.

Most other secured cards from major issuers don’t allow you to deposit more than a few thousand, but you can still use them to help build your credit.

  • Security deposit: $200 to $2,500
  • 2% cash back at Restaurants and Gas stations, up to $1,000 spent per quarter
  • Cashback Match: Earn double cash back in the first year, awarded after the end of your first year
  • Free credit score: Check your FICO Score 8 for free, based on your TransUnion credit report.
  • Purchase APR: 24.49% Variable
  • Balance Transfer APR: 10.99% for 6 months, then 24.49% Variable
  • No foreign transaction fee
  • Annual fee: $0
Citi® Secured Mastercard®

Citi® Secured Mastercard®

  • Security deposit: $200 to $2,500
  • Purchase and Balance Transfer APR: 22.49% (Variable)
  • Annual fee: $0
View card details
Capital One® Secured Mastercard®

Capital One® Secured Mastercard®

  • Security deposit: $49 to $1,000 (minimum required deposit funds a credit limit of $200)
  • Purchase and Balance Transfer APR: 26.99% Variable
  • Annual fee: $0
View card details
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It’s a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can’t help you build a credit history.
  • Establish your credit line with your tax return by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • INTRO OFFER: We automatically match all the cash back you’ve earned at the end of your first year.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click “APPLY NOW” to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

How High Should My Credit Limit Be?

A credit card with a higher limit lets you charge more before you need to pay anything off.

It’s generally best to have credit lines that will let you charge as much as you need to each month, with some extra room to prevent you from getting close to the spending limit.

If you’re only going to charge $500 to your card each month, you’ll likely be fine with credit limits as low as $2,000 or so. If you’ll be spending upwards of $5,000 each month, you would probably want a credit line over $15,000.

Fun fact: In mid-2017, U.S. consumers had a total of over $4 trillion in credit card lines!

The credit limits you get will be based in large part on your credit history and income. Young people, who are just beginning to establish a credit file and generate income, can expect to get relatively small credit limits when applying for new credit cards — often $1,000 or less.

Student credit cards typically have low limits for this reason. Retail store cards often tend to come with low credit lines as well, likely because they’re relatively easy to qualify for.

On the other hand, premium travel cards tend to require credit limits of several thousands of dollars. If you can’t qualify for the minimum limit you won’t be approved. Many mid-tier travel cards with annual fees require credit limits of at least $5,000.

No matter what credit limit you get when approved, most cards allow you to request a credit limit increase. We recommend doing this once every 6 or 12 months if you want higher limits, but take note that these requests can often lead to hard inquiries on your credit reports (but not always). If approved, you’ll get what’s known as a “reactive” credit line increase (RCLI).

Sometimes an issuer will automatically increase your credit limit, with no need for a request. This type of increase, known as a “proactive” credit line increase (PCLI), will not result in a hard inquiry on your credit reports.

Insider tip

Card issuers can also lower your credit limits whenever they want. They might do this if your creditworthiness takes a sudden turn for the worse, and they no longer feel comfortable extending that much credit to you. We’ve heard many reports of store cards doing this, sometimes for no apparent reason.

If you’re worried that a large credit line will tempt you into a lot of unnecessary spending, we don’t recommend going for high credit limits. Instead, you can actually ask your credit card issuers to decrease your credit limits if you wish, although this will reduce your available credit and may negatively impact your credit utilization.

But if you’re comfortable with them, high limit cards can be an important asset in your financial toolkit.

Do Amex Charge Cards Have Credit Limits?

American Express offers some charge cards in addition to regular credit cards, for both consumers and small business owners.

Charge cards differ from regular credit cards in a few ways:

  • There is no APR (usually)
  • You must pay the entire statement balance in full by the due date each billing period (usually)
  • There’s almost always an annual fee, because the issuer won’t make money from interest payments
  • They usually require good credit or excellent credit
  • They have “no pre-set spending limit” instead of a credit limit

The last point is the most important for our purposes here. Rather than having a credit limit, Amex charge cards are advertised as having “no pre-set spending limit.”

However, this does not mean you can spend an unlimited amount with these cards — there’s still a spending limit. It just means that your particular spending limit will adjust over time, based on your use of the card and general creditworthiness (similar to a regular credit limit).

Unfortunately, you won’t be able to see your spending limit with charge cards. But Amex does provide a “Spending Power” tool you can use to test purchase amounts. If you’re planning a large purchase and aren’t sure if you’ll be approved you can use this tool to check beforehand. You can also contact customer support to ask if a purchase amount will go through.

But beware: Overuse of the Spending Power tool may lead to a financial review by Amex, in which they temporarily freeze your accounts to review your activity. Sebastian from AskSebby has reported triggering a financial review by testing the Spending Power tool with big transactions of $20,000, $30,000, and $50,000.

How Do Charge Cards Report to Credit Bureaus?

Regular credit cards report their balances and credit limits to the credit bureaus every month, and these data appear on your credit reports. This information is used to calculate your credit utilization, an important factor in your credit scores.

But charge cards don’t have traditional credit limits or available credit. So what gets reported to the credit bureaus and is shown in your credit history?

The answer is easy: Only the monthly card balance is reported to the bureaus.

Since there’s no credit limit to report, charge cards are not counted in revolving credit utilization.

This means you can spend on charge cards without worrying about driving up your total utilization. That can make it a bit easier to keep your credit scores up. But remember the flip side of this equation: You must pay off your charge cards in full each billing period, you can’t revolve a balance from month to month.

In the past, charge cards could be counted in overall utilization by using the highest reported balance as the credit limit. But those credit scoring systems were relatively messy, and prone to abuse. The new scoring methods seem better for the average charge card user because spending won’t affect your utilization.

For rates and fees of the American Express® Gold Card, please click here.

For rates and fees of the American Express Cash Magnet® Card, please click here.

For rates and fees of the Hilton Honors American Express Surpass® Card, please click here.

For rates and fees of The Platinum Card® from American Express, please click here.

For rates and fees of the American Express® Green Card, please click here.

For rates and fees of the Delta SkyMiles® Reserve American Express Card, please click here.

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

The information related to Hilton Honors Aspire Card, Amex EveryDay® Credit Card, Capital One® QuicksilverOne® Cash Rewards Credit Card, Citi Prestige® Card, Citi® / AAdvantage® Executive World Elite Mastercard®, Marriott Bonvoy Brilliant™ American Express® Card, Capital One® Quicksilver® Cash Rewards Credit Card, Citi Simplicity® Card - No Late Fees Ever, Citi® Secured Mastercard®, and Capital One® Secured Mastercard® have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

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