Updated June 12th, 2018.

Credit cards can be great conveniences, but they're not so convenient when your credit limits aren't generous. You don't want to end up at a cash register suddenly unable to buy that fancy refrigerator because your credit card is tapped out.

A little shopping around will turn up some U.S. credit cards with big limits -- even $50,000 and above. You'll need excellent credit, though, and you'll also want to assess their fees and interest rates. Here are eight of the highest limit cards and their limits.

Chase Sapphire Preferred® Card
Apply Now On Chase's Secure Website

Chase Sapphire Preferred® Card

Limit: $100,000

Category: Highest overall and points

Key features: $95 annual fee (waived in first year). Get 50,000 bonus points once you spend $4,000 on new purchases in the first three months.

Capital One® Venture® Rewards Credit Card
Apply Now On Capital One's Secure Website

Capital One® Venture® Rewards Credit Card

Limit: $50,000

Category: Travel

Key features: $95 annual fee (waived in first year). Get 50,000 bonus miles (worth $500 in travel statement credits) once you spend at least $3,000 on new purchases in the first three months. $100 application fee credit for Global Entry or TSA Pre✓®.

Discover it® Balance Transfer
Apply Now On Discover's Secure Website

Discover it® Balance Transfer

Limit: $25,000

Category: Balance transfers

Key features: No annual fee. 0% APR on new purchases for first six months and on balance transfers for 18 months. 3% fee applies to all balance transfers.

Chase Freedom Unlimited®
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Chase Freedom Unlimited®

Limit: $24,000

Category: Cash back and 0% intro APR

Key features: No annual fee. Get a $150 bonus after spending $500 in the first three months and 1.5% cash back on all purchases. 0% APR for first 15 months.

Chase Freedom®
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Chase Freedom®

Limit: $24,000

Category: Cash back and 0% intro APR

Key features: No annual fee. $150 new cardholder bonus. Get 5% back on up to $1,500 in spending per quarter in rotating categories and 1% back on all other purchases. 0% APR for first 15 months.

Capital One® Spark® Cash for Business
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Capital One® Spark® Cash for Business

Limit: $30,000

Category: Business

Key features: $95 annual fee (waived in first year). Get $500 after spending $4,500 in the first three months and 2% cash back on all purchases.

Discover it® Student Cash Back
Apply Now On Discover's Secure Website

Discover it® Student Cash Back

Limit: $30,000

Category: Students

Key features: No annual fee. Get 5% cash back in rotating spending categories.

Capital One® QuicksilverOne® Cash Rewards Credit Card
Apply Now On Capital One's Secure Website

Capital One® QuicksilverOne® Cash Rewards Credit Card

Limit: $30,000

Category: Fair credit

Key features: $39 annual fee. Unlimited 1.5% cash back on all purchases.


Card data source: Cardrates.com

The list may be tantalizing, but keep your expectations in check. As CardRates.com notes, for example: "According to reviews, Chase Sapphire Preferred® cardholders with credit scores above 700 have the highest limits, but only 10% of cardholders have credit limits above $20,000. The average credit limit for the Preferred card is around $10,000." In most cases, cardholders will receive limits considerably lower than the high potential limits noted.

How to get your maximum limit

If you're not happy with your current credit cards' limits, you have some options. You might, obviously, apply for a card with a higher limit right now. You might also plan to do that, but wait for some months or a year, while you increase your credit score. That's because you often need a high credit score in order to qualify for the best credit cards. And the higher your score, the higher your credit limit will tend to be, too.

According to data from the credit reporting bureau Experian, for example, the national average U.S. credit card limit was $8,071 a year ago. But limits varied widely by credit score. Here are the limits by score category:

Credit Score Category Credit Score Range* Average Credit Limit
Super Prime 781-850 $11,357
Prime 661-780 $7,593
Non-Prime 601-660 $4,674
Sub-Prime 500-600 $2,645
Deep Sub-Prime 300-499 $1,834

*VantageScore model. Data source: Experian data as of December 2016. 

Clearly, having a steep score will net you higher credit limits -- because lenders don't want to be extending more credit than they're likely to be repaid, and a high credit score reflects someone who is a good risk, pays bills on time, and keeps debt levels under control.

It's also common for credit limits to be increased over time, as you prove yourself to be a dependable account holder. If you are a good customer and would like a higher limit, you might try just calling your credit card company and asking for an increased limit.

The big picture

It can be good to have high credit limits -- not only for buying that big refrigerator but also because high limits can help boost your credit score and qualify you for lower interest rates when borrowing. But don't just go after the biggest credit limits you can find. Be sure to evaluate all of the features of any cards you're considering, such as the fees they charge and their interest rates. For example, if there's any chance you'll be carrying a balance, avoid any cards that have "penalty APR" rates -- those can suddenly raise your interest rate to 25% or 30% if you pay a bill late. Favor the cards with the best features.

Finally, remember that if you have an extra high credit limit, you'll be able to even deeper in debt than you otherwise could have. Be sure to use your cards responsibly, only charging what you can afford to pay off that month.

Card Offer Credit Limit Category
Chase Sapphire Preferred® Card $100,000 Highest Overall and Points
Capital One® Venture® Rewards Credit Card $50,000 Travel
Discover it® Balance Transfer $25,000 Balance Transfer
Chase Freedom Unlimited® $24,000 Cash Back and 0% Intro
Chase Freedom® $24,000 Cash Back and 0% Intro
Capital One® Spark® Cash for Business $30,000 Business
Discover it® for Students $5,000 Student
Capital One® QuicksilverOne® Cash Rewards $5,000 Fair Credit

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