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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.
What do we mean by high 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.
Here are a few of our favorites — we’ll dig deeper into each card below.
|Premium Travel||Chase Sapphire Reserve® (Review)|
|Premium Travel & Lounge Access||The Platinum Card® from American Express (Review)|
|Flat-Rate Cash Back||Citi® Double Cash Card – 18 month BT offer (Review)|
|Balance Transfers||U.S. Bank Visa® Platinum Card|
|Fair Credit||Capital One® QuicksilverOne® Cash Rewards Credit Card (Review)|
|Bad Credit||Discover it® Secured (Review)|
It’s also possible to increase a card’s relatively standard credit limit significantly over time by practicing good debt management habits and requesting limit increases, if they’re not offered automatically.
Some cards have minimum required credit limits, which may be revealed by the issuer in the fine print, so if you’re approved for one you can be sure you’ll be getting 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.
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.
|Introductory Bonus Offer|
Read more in our 2020 Review: Chase Sapphire Reserve – The Best Premium Travel Card?.
Or for some other high-end travel credit card offers, consider:
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.
This former charge card doesn’t have a traditional credit limit. Instead, you have no preset spending limit and 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.
|Introductory Bonus Offer|
Take a bird’s-eye view at these premium airline credit cards. The United Club℠ Infinite Card (Review) in particular will get you quite a high limit — its minimum required credit line is $15,000! The others don’t have published minimum limits.
Book your hotel and resort stays with premium hotel credit cards like these and you’ll be accompanied by a retinue of premium benefits as well, like elite hotel status, free night stays, and Priority Pass Select airport lounge membership. These two cards don’t have published minimum limits.
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.
Read more in our 2020 Review: Citi Double Cash Card – Best Flat-Rate Credit Card?
There are quite a few solid flat-rate cards from different issuers, offering easy cash back rewards. Consider the following:
The U.S. Bank Visa® Platinum Card is without a doubt one of the best credit cards for balance transfers. Although there are many cards with balance transfer offers, this card gives you the most time to pay.
Citi states that some credit limits may be as low as $500, though yours could be much higher.
Some other balance transfer cards have similar intro periods and no transfer fees, though they don’t offer rewards. And then there are cards with longer intro balance transfer periods, but you may find they have relatively high transfer fees.
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, Capital One may consider increasing your credit line after the first six months — a nice feature if you need more spending capacity.
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.
There is another card with a $2,500 maximum limit, although the other features aren’t quite as good. But you can still use these cards to help build your credit:
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.
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.
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.
These former charge cards differ from regular credit cards in a few ways, and, importantly for our purpose here, they have “no preset spending limit” instead of a credit 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 these former 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.
Hoping to get the highest credit limit possible? Build great credit, make a lot of money, and avoid carrying unnecessary debt.
Great credit scores suggest that you pay your debts responsibly, and if you make (and save) a lot of money, it’s a good indicator that you’ll always have the cash you need to continue doing so. This makes it less risky for lenders to provide you with a high credit card limit.
You don’t have to be rich to get a high credit limit, to be clear. You can likely get a decent limit with a modest income, good credit scores, and a low debt-to-income ratio. But you’ll generally get higher credit limits as you make more money.
Unfortunately, there are probably no high limit credit cards for bad credit. Poor credit scores imply that you’ve struggled to manage credit in the past, and that can make it hard to get a high credit limit, especially with low income. Your best bet is to apply for a good credit card, and then use it as responsibly as possible to build your credit scores. If you can prove you’re a dependable borrower, the issuer may be willing to increase your limit later on, and you may qualify for other cards with higher limits.
With good enough credit, high enough income, and a low debt load, you’ll likely be given a fairly high credit limit on nearly any unsecured credit card. Still, we suggest you pick a card that suits your needs all around.
Our current picks for the best high limit credit cards include:
Not exactly. Most credit cards — even the most exclusive — tend to have limitations. But if you have enough money, issuers may allow you to bend the rules (on their terms, of course).
Legendary cards like the Centurion® Card from American Express (Review) and J.P. Morgan Reserve Card (Review) are the closest you’ll get to “no limit credit cards.” They’re designed primarily for millionaires and billionaires, so their limits are tailored accordingly. The Centurion, for example, comes with no preset spending limit whatsoever.
There are a few easier-to-attain Amex cards (like The Platinum Card® from American Express (Review)) that also come with the issuer’s no preset spending limit perk. Unfortunately, that doesn’t mean you can spend as much as you want. It just means that your credit limit is malleable and will vary depending on factors like your income, your credit history, and how you use the card.
As mentioned, you can get a high credit limit with a wide variety of credit cards — check out some of our favorites in the Best Credit Cards.
For rates and fees of the American Express Cash Magnet® Card, please click here.
For rates and fees of the Hilton Honors American Express Aspire Card, please click here.
For rates and fees of the Delta SkyMiles® Reserve American Express Card, please click here.
Nearly any card can be a high limit credit card. Your card’s limit depends less on the card itself and more on your creditworthiness in the eyes of the issuer. Even if you start with a low limit, you can generally request increases to work toward a high limit over time.
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 American Express Aspire Card, Marriott Bonvoy Brilliant™ American Express® Card, Capital One® QuicksilverOne® Cash Rewards Credit Card, Discover it® Secured, Citi Prestige® Card, Capital One® Quicksilver® Cash Rewards Credit Card, Citi® Secured Mastercard®, Capital One® Secured Mastercard®, and Centurion® Card from American Express 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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