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

13 min read
By Brendan Harkness Jul 10, 2019 | Updated Nov 22, 2020

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.

Best For Card
Premium Travel Chase Sapphire Reserve® (Review)
Premium Travel & Lounge Access The Platinum Card® from American Express (Review)
Airline Travel Various
Hotel Stays Various
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.

Insider tip

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!).

Best High Limit Credit Cards

Best for Premium Travel

Chase Sapphire Reserve®

Our rating
Min. credit levelExcellent
Details
Annual Fee$550
Regular APR16.99%-23.99% 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.

Rewards

Spending Rewards
  • 10X Ultimate Rewards points per dollar on:
    • Lyft rides (through 3/31/22)
  • 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

Key Features

  • 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.
  • $120 Peloton credit: Enroll to get up to $120 back for an eligible Peloton Digital or All-Access Membership (through 2021). No fitness equipment is required.
  • 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 and reduced service fees on orders over $12
  • $60 annual DoorDash credit: Get $60 in DoorDash credits in 2020, and $60 in credits in 2021.
  • No foreign transaction fees
  • Annual fee: $550
  • Credit limit: Minimum of $10,000

Read more in our 2020 Review: Chase Sapphire Reserve – the Best Premium Travel Card?.

Not ready for the splendor that is the Reserve? Check out the Chase Sapphire Preferred® Card (Review), its cousin, which has a minimum credit limit of $5,000, a smaller annual fee, and fewer perks.

Or for some other high-end travel credit card offers, consider:

Best for Premium Travel & Airport Lounge

The Platinum Card® from American Express

Our rating
Min. credit levelGood
Details
(Rates & Fees)
Annual Fee$550
Regular APRSee Pay Over Time APR
Apply Now

securely on the issuer's website

  • Earn 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.
  • Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
  • 5X Membership Rewards® Points on prepaid hotels booked on amextravel.com.
  • Enjoy complimentary 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 through American Express Travel with an average total value of $550 with Fine Hotels & Resorts® program at over 1,100 properties . Learn More.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • $550 annual fee.
  • Terms Apply.

American Express is a Credit Card Insider advertiser.

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.

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.

Rewards

Spending Rewards
  • 5X Membership Rewards points per dollar (starting 1/1/21, on up to $500,000 spent per calendar year) 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
  • 75,000 bonus points for spending $5,000 in the first 6 months; 10X points on eligible purchases at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, in the first 6 months

Key Features

  • Global Lounge Collection: Complimentary access to Priority Pass, Centurion, American Express International, Delta Sky Club, Escape, Airspace, Lufthansa, and Plaza Premium Lounges.
  • Streaming & wireless telephone credit: Get up to $320 in statement credits when you use your card to purchase select streaming and wireless telephone services from U.S. providers (up to $20 per month each, until 12/31/20).
  • $200 annual airline fee credit: Good for incidental costs like baggage fees and in-flight food (not flight tickets) at your selected airline (through 2021).
  • $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
  • Annual fee: $550

Read more in our 2020 Review: The Platinum Card® from American Express – Is It Worth the $550 Annual Fee?

You don’t have many former charge card options for travel rewards, but another good pick is the American Express® Gold Card (Review). Its best bonus categories (4X points) are focused on food, but the 3X categories cover eligible flights and you’ll get a $100 annual airline fee credit through 2021 (along with a $120 annual dining credit).

Best for Airline Travel

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.

United Club℠ Infinite Card

Our rating
Min. credit levelGood
Details
Annual Fee$0 intro annual fee, then $525 thereafter
Regular APR16.49% - 23.49% Variable
  • 4X miles per dollar for United purchases
  • 2X miles per dollar spent for:
    • Restaurants
    • Travel
  • Perks: Premier upgrades on United award flights, United Club membership, Premier Access airport services, World of Hyatt Discoverist status, Global Entry/TSA PreCheck credit
  • Annual fee: $0 intro annual fee, then $525 thereafter

 

Delta SkyMiles® Reserve American Express Card

Our rating
Min. credit levelExcellent
Details
(Rates & Fees)
Annual Fee$550
Regular APR15.74% - 24.74% Variable
Apply Now

securely on the issuer's website

  • Earn 40,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
  • With Status Boost™, earn 15,000 MQMs after you spend $30,000 in purchases on your Card in a calendar year, up to four times per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different than miles you earn toward flights.
  • Fee Credit for Global Entry or TSA Pre✓®.
  • Enjoy your first checked bag free.
  • Earn 3X Miles on Delta purchases.
  • Earn 1X Mile on all other eligible purchases.
  • Complimentary access into the Delta SkyClubs® for you when travelling on a Delta flight.
  • Enjoy complimentary access to The Centurion® Lounge when you book your Delta flight with your Reserve Card.
  • No Foreign Transaction Fees.
  • $550 annual fee.
  • Terms Apply.
  • 2X SkyMiles per eligible dollar spent for purchases made directly with Delta Air Lines
  • 40,000 bonus miles and 10,000 MQMs for spending $3,000 in the first 3 months
  • Perks: Delta Sky Club membership, annual companion certificate, first checked bag free, priority boarding, priority checkpoint, 20% in-flight discount
  • Annual fee: $550

 

Citi® / AAdvantage® Executive World Elite Mastercard®

Our rating
Min. credit levelExcellent
Details
Annual Fee$450
Regular APR15.99% - 24.99% (Variable)
Apply Now

securely on the issuer's website

  • Earn 50,000 American Airlines AAdvantage®bonus miles after spending $5,000 in purchases within the first 3 months of account opening
  • Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
  • No Foreign Transaction Fees on purchases
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
  • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
  • The standard variable APR for Citi Flex Plan is 15.99% – 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

Citi is a Credit Card Insider advertiser.

  • 2X AAdvantage miles for American Airlines purchases
  • 50,000 AAdvantage bonus miles for spending $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
  • Annual fee: $450

Best for Hotel Stays

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.

Hilton Honors American Express Aspire Card

Our rating
Min. credit levelExcellent
Details
(Rates & Fees)
Annual Fee$450
Regular APR15.74%-24.74% (Variable)

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

  • 14X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
  • 150,000 bonus points for spending $4,000 on purchases in the first 3 months after account opening
  • Perks: $250 annual resort credit; $250 annual airline fee credit; Diamond status; annual free weekend night; Priority Pass Select membership (excludes non-lounge experiences)
  • Annual fee: $450

 

Marriott Bonvoy Brilliant™ American Express® Card

Our rating
Min. credit levelExcellent
Details
(Rates & Fees)
Annual Fee$450
Regular APR15.74% - 24.74% Variable
Apply Now

securely on the issuer's website

  • Earn up to 125,000 Marriott Bonvoy points. Earn 100,000 bonus points after you spend $5,000 in purchases on your new Card in your first 3 months. Plus, earn an additional 25,000 bonus points after your first anniversary of Card Membership. Offer Expires 1/13/2021.
  • Enjoy complimentary Platinum Elite status with your Card for the 2021 status year. Offer Expires 1/13/2021.
  • Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at participating Marriott Bonvoy hotels.
  • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at participating Marriott Bonvoy Hotels. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
  • Receive 1 free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy Points) at a participating hotel. Certain hotels have resort fees.
  • Enjoy unlimited airport lounge visits when you enroll in Priority Pass Select membership.
  • No Foreign Transaction Fees.
  • $450 annual fee.
  • Terms Apply.

American Express is a Credit Card Insider advertiser.

  • 6X Marriott Bonvoy Bonus points per dollar for eligible purchases charged on your Card directly with participating Marriott Bonvoy properties
  • 100,000 bonus points for spending $5,000 in the first 3 months; 25,000 bonus points after first cardmember anniversary; Platinum Elite status for the 2021 status year
  • Perks: $300 annual hotel credit; annual free night award after account anniversary.; Gold Elite status; Global Entry/TSA PreCheck application fee credit
  • Annual fee: $450 (Rates & Fees)

Best for Flat-Rate Cash Back

Citi® Double Cash Card - 18 month BT offer

Our rating
Min. credit levelExcellent
Details
Annual Fee$0
Regular APR13.99% – 23.99% (Variable)
Apply Now

securely on the issuer's website

  • 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.

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.

Rewards

Spending Rewards
  • 2% cash back for every purchase you make (must pay at least the minimum due on time)
    • 1% back when you make a purchase
    • 1% back when you pay for that purchase

Key Features

  • 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
  • Credit limit: Minimum of $500

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:

Best for Balance Transfers

U.S. Bank Visa® Platinum Card

Our rating
Min. credit levelFair
Details
Annual Fee$0
Regular APR14.99%–24.99% Variable
Apply Now

securely on the issuer's website

  • 0% introductory APR for 20 billing cycles on purchases and balance transfers, then 14.99%–24.99% Variable
  • Savings at various retailers through Visa Discounts
  • Travel and shopping protections
  • Cell Phone Protection
  • Free VantageScore based on your TransUnion credit report
  • No annual fee

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.

Key Features

  • Free Credit Score: Check your VantageScore 3.0 credit score, based on your TransUnion credit report, for free.
  • Purchase APR: 0% for 20 billing cycles, then your rates will be 14.99%–24.99% Variable
  • Balance Transfer APR: 0% for 20 billing cycles, then 14.99%–24.99% Variable
  • Balance Transfer fee: 3%, $5 minimum
  • No penalty APR
  • Annual fee: $0

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.

Best for Fair Credit

Capital One QuicksilverOne Cash Rewards Credit Card

Our rating
Min. credit levelFair
Details
Annual Fee$39
Regular APR26.99% (Variable)

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.

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.

Rewards

Spending Rewards
  • 1.5% cash back for every purchase

Key Features

  • Access a higher credit line: You may be automatically considered for a higher credit line after six months.
  • 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: 12.99 - 26.99% Variable
  • No foreign transaction fee
  • Annual fee: $0
Another solid option for fair credit is the Discover it® Cash Back (Review). It’s a popular credit card that earns 5% back on a selection of spending categories that rotates quarterly, not unlike the Chase Freedom® (Review). It also provides a unique signup bonus that doubles all cash back earned in the first year.

Best for Bad Credit

Discover it® Secured

Our rating
Min. credit levelBad
Details
Annual Fee$0
Regular APRSee Terms

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

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.

Key Features

  • Security deposit: $200 to $2,500
  • 2% cash back at Restaurants and Gas stations, up to $1,000 spent per quarter
  • Cashback Match: Double all cash back earned in the first year; awarded at the end of the first year
  • Free credit score: Check your FICO Score 8 for free, based on your TransUnion credit report.
  • Purchase APR: See Terms
  • Balance Transfer APR: See Terms for See Terms, then See Terms
  • No foreign transaction fee
  • Annual fee: $0

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:

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.

Insider tip

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.

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).

Do Amex Former Charge Cards Have Credit Limits?

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

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.

Frequently Asked Questions

How do you get a high credit limit?

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.

What are the best high limit credit cards?

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:

Can you get a no limit credit card?

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.

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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 Platinum Card® from American Express, please click here.

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

At a glance

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.

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The information related to Hilton Honors American Express Aspire Card, Capital One QuicksilverOne Cash Rewards Credit Card, Discover it® Secured, Citi Prestige® Card, Capital One Quicksilver Cash Rewards Credit Card, Citi® Secured Mastercard®, Secured Mastercard® from Capital One, 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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