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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 Centurion® Card from American Express has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
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.
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.
Here are a few of our favorites — we’ll dig deeper into each card below.
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, 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.
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 with American Express Travel.
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.
American Express is a Credit Card Insider advertiser.
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
5X Membership Rewards points per dollar (on up to $500,000 spent per calendar year, then 1X) on:
Flights booked directly through airlines or through American Express Travel
Prepaid hotels booked through American Express Travel
2X Membership Rewards points per dollar on other eligible travel expenses booked through American Express Travel
1X Membership Rewards point per dollar on all other purchases
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
Global Lounge Collection: Complimentary access to Priority Pass, Centurion, American Express International, Delta Sky Club, Escape, Airspace, Lufthansa, and Plaza Premium Lounges
$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
Up to $200 in annual Uber Cash: Add your Platinum card to the Uber App to get up to $15 in Uber Cash per month, plus a bonus $20 in December; U.S. Eats orders and rides only.
Uber Eats Pass: Get unlimited $0 delivery fees and 5% off orders at eligible restaurants for 12 months; must enroll by 12/31/21. Taxes and service fees may apply and do not count toward the order minimum. Eats Pass will start auto-billing 12 months from enrollment, at then-current monthly rate. Learn more.
Uber VIP status: Add your Platinum card to the Uber App to get Uber VIP status where available.
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
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.
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 per dollar spent on eligible American Airlines purchases
1X AAdvantage mile per dollar spent on all other 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.
Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you use your new Card to make $4,000 in eligible purchases within the first 3 months of Card Membership. Plus, enjoy a free Weekend Night Reward within your first year and every year after renewal.
Earn 14X Hilton Bonus Points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio.
Earn 7X Bonus Points for eligible purchases: on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies & at U.S. restaurants.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Enjoy up to $250 in Hilton Resort Credits on your Card each anniversary year, when you stay at participating resorts within the Hilton portfolio.
Enjoy complimentary Diamond status with your Hilton Honors Aspire Card.
$450 annual fee.
American Express is a Credit Card Insider advertiser.
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
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
3X Hilton Honors points per dollar spent on all other purchases
150,000 bonus points for spending $4,000 on purchases in the first 3 months after account opening
Earn 75,000 Marriott Bonvoy bonus points after you use your new Card to make $3,000 in purchases within the first 3 months. Plus, earn up to $200 in Statement Credits for eligible purchases at U.S. Restaurants within the first 6 months of Card Membership.
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.
American Express is a Credit Card Insider advertiser.
6X Marriott Bonvoy Bonus pointsperdollar for eligible purchases charged on your Card directly with participating Marriott Bonvoy hotels
3X Marriott Bonvoy pointsperdollar:
At U.S. restaurants
On flights booked directly with airlines
2X Marriott Bonvoy pointsperdollar spent on all other purchases
75,000 bonus points for spending $3,000 in the first 3 months; up to $200 in statement credits for eligible purchases at U.S. restaurants in the first 6 months
Perks: $300 annual hotel credit; annual free night award after account anniversary.; Gold Elite status; Global Entry/TSA PreCheck application fee credit; Priority Pass Select membership (excludes non-lounge experiences)
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.
2% cash back for every purchase (must pay at least the minimum due on time):
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 (for transfers made during the first four months), then 13.99% – 23.99% (Variable)
Annual fee: $0
Other Flat-Rate Reward Cards
There are quite a few solid flat-rate cards from different issuers, offering easy cash back rewards. Consider the following:
Wells Fargo Cash Wise Visa® card (Learn More) (Review): 1.8% cash rewards on Google Pay or Apple Pay mobile wallet purchases during the first 12 months after account opening; 1.5% cash rewards on every other purchase
0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% – 24.49%.
Great offer from U.S. Bank, a 2021 World’s Most Ethical Company® – Ethisphere Institute, February 2021.
No Annual Fee*
Flexibility to choose a payment due date that fits your schedule.
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
Earn unlimited 1.5% cash back on every purchase, every day
Earn cash rewards without signing up for rotating categories
Be automatically considered for a higher credit line in as little as 6 months
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.
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, and the minimum 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.
1.5% cash back on all purchases
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: 26.99% (Variable)
You can provide up to $4,900 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 decent rewards, a rare feature when it comes to secured cards.
Bank of America will review your card account and your credit periodically; Show responsible credit use, and BofA may return your deposit and let you keep using the account. (The U.S. Bank Secured Visa® Card actually allows a slightly higher max deposit ($5,000), but it won’t return your deposit and allow you to continue using the card.)
3% cash back in one category of your choice:
2% cash back at:
1% cash back on all other purchases
3% and 2% rewards only up to $2,500 spent per quarter, then 1% cash back
Security deposit: $300 to $4,900
Free credit score: Check your FICO Score 8 for free, based on your TransUnion credit report.
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.
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, don’t go 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.
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).
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:
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.
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.
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.
Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high quality credit education to the masses. He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you.
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