The 3 Best Credit Cards if You Spend $5K+ Monthly -- With Limits to Match
Spending $5,000 or more each month isn't unusual for some cardholders -- especially business owners, frequent travelers, or large families. But not all credit cards can handle that volume. Many standard cards come with credit limits that cap out well below $20,000.
If you need more flexibility (and want strong rewards, too), these three cards stand out. They also offer valuable perks and earnings rates that'll make them a mainstay in your wallet for years to come.
1. Chase Sapphire Reserve®
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= PoorEarn 100,000 points + a $500 Chase Travel℠ credit when you spend $5,000 in 3 months — this is Sapphire Reserve’s best-ever bonus!
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
20.24% - 28.74% Variable
Rewards Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
8x points on Chase Travel℠, 4x points on flights and hotels booked direct, 3x points on dining, 1x points on all other purchases
Annual Fee
$795
Welcome Offer Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
100,000 bonus points + $500 Chase Travel℠ promo credit
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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 up to 2x 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 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
- Get more than $2,700 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music - all the music you love, across all your devices. Subscriptions run through 6/22/27 - a value of $250 annually
- Member FDIC
Best for: High visible limit and top-tier travel rewards.
The Chase Sapphire Reserve® (see rates and fees) doesn't have a clear credit limit, but it's typically on the higher end. New accounts start with a minimum $10,000 limit, and many users have reported limits of $50,000 or more.
That spending power pairs well with the card's recently-refreshed rewards rates that are among the highest we've ever seen from a Chase card:
- 8x points on all purchases through Chase Travel℠, including The Edit℠
- 4x points on flights and hotels booked direct
- 3x points on dining worldwide
- 1x points on all other purchases
You'll also get a versatile $300 annual travel credit, alongside $2,000 in new perks, to help offset the card's $795 annual fee. It's an ideal choice if you want a premium card with a high credit limit and valuable rewards.
And remember that this welcome bonus is only around for a limited time. You really don't want to miss this one if you've been waiting to finally apply for that new travel card. Apply now for the Chase Sapphire Reserve® and start getting rewarded for every trip.
2. The Platinum Card® from American Express
On American Express' Secure Website.
Terms apply
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= 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®. 1X Membership Rewards® Points on other purchases. Terms apply.
1X-5X Membership Rewards® Points
Annual Fee
$695
Welcome Offer You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
As High As 175,000 points. Find Out Your Offer.
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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 offer. 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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- You may be eligible for as high as 175,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- 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.
- Enjoy the benefits of the Global Lounge Collection, with over $500 of annual value if you visit Centurion Lounges and each of our partner lounges including Delta Sky Club® lounges when flying an eligible Delta flight (subject to visit limitations) , select Lufthansa lounges when flying Lufthansa, Plaza Premium lounges and Escape Lounges, and enroll in Priority Pass Select. See terms.
- 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 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. 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.
- Terms Apply.
Best for: Flexible spending and premium perks.
The Amex Platinum Card comes with no preset spending -- but that doesn't mean you've got limitless spending power.
Instead, your available credit adjusts based on factors like your income, spending patterns, and payment history. It's a dynamic limit, which can allow for large charges if you've shown strong credit habits.
While no purchase is guaranteed to go through, Amex Platinum Card users often report being able to spend far more than they could with a typical credit card. This card is also packed with high-end travel benefits, including lounge access, statement credits, and hotel status perks. Terms apply; enrollment may be required. These benefits, along with a load of available spending credits, help make the $695 annual fee (see rates and fees) worth it for the right type of cardholder.
3. Citi Double Cash® Card
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= PoorFair to Excellent (580-850)
Intro APR
Purchases: N/A
Balance Transfers: 0%, 18 months on Balance Transfers
Regular APR
18.24% - 28.24% (Variable)
Rewards 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. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
2% cash back
Annual Fee N/A
$0
Welcome Offer Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
$200
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This card combines a top-notch balance transfer offer with best-in-class unlimited 2% cash back on purchases. There's no introductory APR for purchases, so you'll need to pay those off in full every month if you want to avoid interest charges.
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- High cash back
- 0% intro APR balance transfer offer
- No annual fee
- Free credit score monitoring
- Foreign transaction fee
- No 0% intro APR on purchases
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- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 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. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- 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 an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Best for: Simple cash back with with no annual fee.
The Citi Double Cash® Card starts with a modest minimum limit, but it can scale quickly over time. Many users report eventual credit lines of $20,000 to $50,000, especially with strong credit profiles.
It's also one of the most rewarding flat-rate cards available. You'll get a straightforward 2% cash back on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
It's a great option for high spenders who want simplicity, steady rewards, and a path to higher credit access without paying a premium. Apply for the Citi Double Cash® Card today (see rates and fees).
Get a card to match your lifestyle
If you're regularly charging $5,000+ a month to your credit card, not just any card will do. Luxury cards like the Amex Platinum Card, Chase Sapphire Reserve, plus cash back cards like the Citi Double Cash all offer plenty of room to spend, with perks and earnings rates to match.
For more picks, read our list of our favorite high-limit credit cards available now.
Our Research Expert
Ryan is a full-time Personal Finance Writer at Motley Fool Money. He’s been covering topics like credit cards and savings since 2022, focusing on helping people who are new to the world of personal finance.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money does not cover all offers on the market. Motley Fool Money is 100% owned and operated by The Motley Fool. Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands. Terms may apply to offers listed on this page.
For rates and fees for the The Platinum Card® from American Express, click here