The $50,000 Credit Card Limit Myth -- and 3 Cards That Can Make It a Reality

Published on June 5, 2025

Ryan Wilcox

By: Ryan Wilcox

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KEY POINTS

  • No credit card has a guaranteed $50,000 limit, but it's possible to build your way up.
  • Chase Sapphire cards offer high starting limits with lots of room to grow.
  • Citi Double Cash® Card is easy to qualify for and can scale with your credit.

A credit card with a $50,000 limit might sound beyond the realm of possibility -- but it's not. You'll just have to work a little to get there.

No issuer guarantees a $50,000 credit limit, but there are a few cards offering high minimums that make a $50,000 limit possible. With an excellent credit history, lots of income, and minimal debt, you can work your way there.

Here's what to know about high-limit cards -- and three cards that could help you unlock a $50,000 credit limit.

Why there's no "$50,000-limit card"

Credit card issuers base your credit limit on factors like your income, credit history, and debt-to-income ratio. You have to check a lot of boxes before they'll even consider trusting you with $50,000 of their money.

That said, many high-limit cards have minimum limits of $5,000 to $10,000, allowing cardholders to eventually reach limits of $50,000 or more. Getting there usually takes:

  • Excellent credit (a 750 score or better)
  • High income (think six figures)
  • Little or no outstanding debt

No card will offer you a guaranteed $50,000 limit out of the gate. But with the right issuer and credit history, it's possible. Here are a few cards that can help you make it happen.

1. Chase Sapphire Preferred® Card

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Chase Sapphire Preferred® Card

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Chase Sapphire Preferred® Card
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5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
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Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.99% - 28.24% Variable

Rewards Circle with letter I in it. 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 Circle with letter I in it. Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

60,000 bonus points

  • 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
    • 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

The Chase Sapphire Preferred® Card (see rates and fees) is one of the most popular mid-tier travel cards on the market. It usually comes with a minimum starting limit of $5,000, since it's a Visa Signature card. That's a good baseline, and many users report receiving far more.

You'll also earn:

  • 5X points on travel purchased through Chase Travel℠
  • 3X points on dining, select streaming services, and online groceries
  • 2X points on all other travel

It's a valuable card if you're looking to spend lots in bonus categories with your high limit.

Ready to build your way up to a $50,000 credit limit? Apply for the Chase Sapphire Preferred® Card today.

2. Chase Sapphire Reserve®

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Chase Sapphire Reserve®

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Chase Sapphire Reserve®
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Sapphire Reserve®

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Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.24% - 28.74% Variable

Rewards Circle with letter I in it. 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 Circle with letter I in it. Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

60,000 bonus points

  • 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
    • 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

The Chase Sapphire Reserve® (see rates and fees) is a top-tier card known for luxury travel perks, but it's also known for higher credit limits. It's got a high starting credit limit of at least $10,000, with users reporting limits of $50,000 or more.

The card also earns:

  • 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

The Chase Sapphire Reserve offers up to $300 in annual travel credits, too, which can help offset the $550 annual fee.

If your goal is a huge credit line, the Chase Sapphire Reserve is a strong contender. Apply today to get started.

3. Citi Double Cash® Card

Ratings Methodology

Citi Double Cash® Card

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Citi Double Cash® Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Fair to Excellent (580-850)
Apply Now for Citi Double Cash® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Fair 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 Circle with letter I in it. 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 Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. 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

  • 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
    • 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).

You don't always need a premium card to reach a high limit. The Citi Double Cash® Card is one of the easier high-limit cards to get, especially for those with fair to good credit.

While it has a minimum limit of $500, many cardholders report getting limits as high as $50,000. Of course, it'll probably take longer to build up to a high credit limit if your credit history isn't as strong, but it's still possible.

For a $0 annual fee, the Citi Double Cash® Card also offers 2% cash back on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Apply for the Citi Double Cash® Card now (see rates and fees) and start upping your credit limit while earning easy cash back today.

Build your way to a high limit

There's no such thing as a guaranteed $50,000 credit card limit -- but with excellent credit, high income, and minimal debt, it's definitely a possibility.

Ready to aim high? Apply for one of our favorite high-limit credit cards today.

Our Research Expert

Ryan Wilcox
Ryan Wilcox

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.