Need More Spending Power? These 3 Premium Cards Offer Massive Limits in May 2025
KEY POINTS
- Right now I have a $23,500 limit on my Chase Sapphire Preferred® Card -- and it could go higher.
- The Chase Sapphire Reserve® can come with credit lines up to $100,000 for qualified users.
- The Amex Platinum Card offers "flexible spending power" instead of a fixed limit.
Some premium credit cards offer huge spending limits. Of course, no bank is going to hand out $50,000 credit lines to just anyone. You'll likely need a rock-solid credit history and an undeniable ability to make large payments to get approved for upper limits.
Here are three heavy hitters that can offer massive limits (up to $100,000) for the right candidates.
1. Chase Sapphire Preferred® Card: My personal go-to
2025 Award Winner
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= Fair = PoorGood/Excellent (670-850)
Intro APR N/A
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.99% - 28.24% Variable
Rewards Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases
Annual Fee
$95
Welcome Offer Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
60,000 bonus points
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This card easily justifies the (very reasonable) annual fee with benefits that deliver real value. Earn 60,000 bonus points after spending $5,000 in the first 3 months, which we estimate is worth $750 in Chase Travel℠ value. Plus, enjoy bonus travel and dining rewards, a $50 annual hotel credit, and 25% more value when booking through Chase Travel. With added travel protections like rental car insurance and trip reimbursement, we think this card is a game-changer for any traveler.
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- Big sign-up bonus
- Travel rewards
- Dining rewards
- Flexible travel points
- Consumer and travel protections
- Annual fee
- Limited-time perks
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- Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
I've carried the Chase Sapphire Preferred® Card (see rates and fees) for years. As of today, my limit sits at $23,500 for this card. But some users reportedly have limits up to $50,000.
Current welcome offer: Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. We estimate that's worth up to $750 in Chase Travel℠ value.
Ongoing perks include:
- 5X points on travel purchased through Chase Travel℠
- 3X points on dining, select streaming services, and online groceries
- 2X points on all other travel
- 1X points on other purchases
And that's not all. Hotel credits, travel protections, and other dining rewards are available for cardholders too.
All said and done, the $95 annual fee is nothing compared to the value of rewards. Apply for the Chase Sapphire Preferred® Card today -- before the limited-time sign-up bonus disappears.
2. Chase Sapphire Reserve®: Maximum spending power for travelers
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= Fair = PoorGood/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
20.24% - 28.74% Variable
Rewards Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.
5x points on flights and 10x points on hotels and car rentals through Chase Travel℠.
Annual Fee
$550
Welcome Offer Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
60,000 bonus points
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All the perks we've come to expect from a top travel card, including a $300 annual travel credit, airport lounge access, and big bonuses on travel and dining. Points are transferable to airline and hotel partners or worth 50% more if you book through Chase Travel. The annual fee is hefty, but if you can use all its features, this card could be well worth the cost.
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- Travel credits
- Airport lounge access
- Travel and dining rewards
- Welcome offer
- Flexible travel points
- Annual fee
- Limited-time benefits
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- Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
- Member FDIC
Think of the Chase Sapphire Reserve® (see rates and fees) as the "older sibling" of the Preferred. This card reportedly comes with a starting limit of at least $10,000 -- but many users (especially those with high incomes and strong credit profiles) report credit lines of $50,000 to $100,000.
This luxury travel card comes with:
- A $300 annual travel credit
- Access to more than 1,300 airport lounges
- 10x total points on hotels and car rentals through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually
- 5x total points on air travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually
- 3x points on other travel and dining
- 1x points on all other purchases
If you're not a big traveler and can't take advantage of these perks, the $550 annual fee seems steep.
But for frequent travelers, it more than pays for itself. Apply now for the Chase Sapphire Reserve® card and tap into one of the biggest credit lines around.
3. The Platinum Card® from American Express: No preset spending limit
On American Express' Secure Website.
Terms apply
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= Fair = PoorOn American Express' Secure Website.
Terms apply
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
APR
See Pay Over Time APR
Rewards Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. Earn 1X Membership Rewards® Points on other purchases. Terms and limitations apply.
1X-5X Membership Rewards® Points
Annual Fee
$695
Welcome Offer Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
80,000 Membership Rewards® Points
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This luxury travel card has some of the most prestigious perks you'll find — access to over 1,400 airport lounges, elite status with Hilton and Marriott Bonvoy (enrollment required), and spending credits worth over $1,500 in value every year. Just be ready for the hefty annual fee, which can be offset in the first year with a welcome bonus worth $800 in points. Terms apply.
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- Big welcome offer
- Substantial spending credits
- Airport lounge access
- Hotel benefits
- Flexible travel points
- Annual fee
- Limited bonus categories
- Spending credits can be complicated to manage
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- Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel® up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel®.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney+ bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
- With American Express Global Lounge Collection® eligible Card Members can enjoy access to over 1,400 airport lounges globally, including The Centurion® Lounge, Unlimited Delta Sky Club® Access when flying an eligible Delta flight, Escape Lounges, Lufthansa Lounges when flying Lufthansa Group, Plaza Premium, Priority Pass™ Select Lounges, & Additional Global Lounge Collection Partner Lounges subject to visit limitations. Lounges may have their own rules, like additional access rules and guest fees, and for Priority Pass Select, you need to enroll and there are unlimited airport lounge visits for Card Members. With Delta Sky Club Access, Card Members will receive 10 Visits to the Delta Sky Club to be used from February 1 until January 31 of the next calendar year and can unlock Unlimited Delta Sky Club Access by spending $75,000 in eligible purchases on their Card in a calendar year. To find a lounge, visit the membership section in the American Express® App or visit http://www.americanexpress.com/findalounge#/loungefinder.
- A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free Shipping excludes most Marketplace items, freight & certain location surcharges. Paramount+ Essential plan only, separate registration required.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to your Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
- $200 Uber Cash: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
- $199 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. Use the dedicated CLEAR Lane to confirm your identity without taking out your passport or ID – this can mean shorter lines, less waiting. Receive up to $199 in statement credits per calendar year after you pay for your CLEAR Plus Membership (subject to auto-renewal) with the Platinum Card®.
- Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
- Use Global Dining Access by Resy to access premium dining experiences. Receive Priority Notify and unlock insider access to some of the world's most sought-after restaurants with Global Dining Access by Resy. Download the Resy iOS app or log into Resy.com and add your Platinum Card® to your Resy profile to take advantage of your special benefits and discover restaurants near you.
- $695 annual fee.¤
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
The Platinum Card® from American Express doesn't have a preset limit like traditional cards. Instead, the amount you can spend is dynamic. It changes over time based on factors like your purchase, payment, and credit history.
Translation: As your income grows and you build stronger credit, you can spend more. And it can go really high. Some users on Reddit claim to have made purchases well into the six-figure range with their Amex cards (mostly for business expenses).
Major perks include:
- $200 annual hotel credit
- $240 digital entertainment credit
- A Walmart+ credit up to $12.95 each month
- Up to $200 in Uber Cash annually
- $199 CLEAR® Plus Credit
- 5X points on flights booked directly with airlines or with American Express Travel, up to $500,000 on these purchases per calendar year
- Access to more than 1,400 airport lounges in over 650 cities
- A full suite of travel insurance protections
- Terms apply; enrollment may be required
The $695 annual fee is hefty (see rates and fees), but for serious travelers and high spenders, the Amex Platinum Card can be an unbeatable powerhouse.
Apply for The Platinum Card® from American Express now and unlock these premium perks.
Big limits, big responsibility
I love having high limits on all my credit cards -- even though I never spend enough to touch them. High spending limits keep my credit utilization low, which helps my credit score.
But remember: The best credit cards should fit your lifestyle, not stroke your ego. Trust me, no one's handing out trophies for the biggest credit limit at the end of the month.
Choose wisely, and always spend responsibly.
Our Research Expert
Joel is a full-time writer at Motley Fool Money, known for his clear, approachable voice on topics like credit cards, savings hacks, and side hustles. He’s been writing about money since 2018 and previously managed editorial content for the How To Money podcast.
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For rates and fees for the The Platinum Card® from American Express, click here