Best High Limit Credit Cards

These are the highest limit credit cards we've come across. A little shopping around will turn up some U.S. credit cards with big limits -- even $50,000 and above. With that in mind, find out which high limit credit cards, some of which are from our partners, are right for you.

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On Chase's Secure Website.

Our Bottom Line

Credit limit -- Up to $100,000. This card is considered by many travelers as a must have, due to its sign-up bonus, versatility, and premium travel rewards.

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What we Like:
  • 60,000 points sign-up bonus
  • 2 points per $1 for travel & dining
  • Flexible points transfer program
Key Scores:
4.5 5 Perks
5.0 5 Fees
1.5 5 APR
Perks 4.5/5
Fees 5.0/5
APR 1.5/5
  • Annual Fee: $95
  • Regular APR: 18.24% - 25.24%, Variable
  • Intro APR: Purchases: N/A Balance Transfers: N/A
Highlights
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel.
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Apply Now
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On Discover's Secure Website.

Our Bottom Line

Credit limit -- Up to $15,000. Highly-qualified applicants have reported approved limits of up to $15,000.

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What we Like:
  • Bonus cash back
  • No annual fee
  • 0% intro APR offer
  • FICO® Score for free
Key Scores:
5.0 5 Perks
4.0 5 Fees
5.0 5 APR
Perks 5.0/5
Fees 4.0/5
APR 5.0/5
  • Annual Fee: $0
  • Regular APR: 14.24% - 25.24% Variable
  • Intro APR: Purchases: 0%, 14 months Balance Transfers: 0%, 14 months
Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
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Rates & Fees
Apply Now
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On Chase's Secure Website.

Our Bottom Line

Credit limit -- up to $24,000. This card's versatility makes it a leading cash-back credit card, which includes unlimited cash rewards, a 0% intro APR offer, and no annual fee.

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What we Like:
  • Innovative sign up bonus
  • Unlimited 1.5% cash back
  • 0% intro APR offer for 15 months
Key Scores:
5.0 5 Perks
4.0 5 Fees
4.0 5 APR
Perks 5.0/5
Fees 4.0/5
APR 4.0/5
  • Annual Fee: $0
  • Regular APR: 17.24% - 25.99%, variable
  • Intro APR: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months
Highlights
  • New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit JourneySM
  • No annual fee
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Apply Now
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On Discover's Secure Website.

Our Bottom Line

Credit limit -- Up to $25,000. One of the highest limit balance-transfer cards we've come across. Highly-qualified applicants have reported approved limits of up to $25,000.

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What we Like:
  • Balance transfer offer
  • Rotating bonus cash back
  • No annual fee
  • FICO® Score for free
Key Scores:
5.0 5 Perks
4.0 5 Fees
4.5 5 APR
Perks 5.0/5
Fees 4.0/5
APR 4.5/5
  • Annual Fee: $0
  • Regular APR: 14.24% - 25.24% Variable
  • Intro APR: Purchases: 0%, 6 months Balance Transfers: 0%, 18 months
Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
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Rates & Fees
Apply Now
Secure lock icon.

On Chase's Secure Website.

Our Bottom Line

Credit limit -- Up to $24,000. Like it's Unlimited cousin, this offer packs in a slate of perks that are rare in a no-annual-fee card. Add in the fact that it offers bonus cash back and you can understand the value it offers beyond just a high credit limit.

Read Full Review
What we Like:
  • Cash sign-up bonus
  • Earn up to 5% cash back
  • 0% intro APR offer for 15 months
  • No annual fee
Key Scores:
5.0 5 Perks
4.0 5 Fees
4.0 5 APR
Perks 5.0/5
Fees 4.0/5
APR 4.0/5
  • Annual Fee: $0
  • Regular APR: 17.24%-25.99%, variable
  • Intro APR: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months
Highlights
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases – it’s automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit JourneySM
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Apply Now
Secure lock icon.

On Discover's Secure Website.

Our Bottom Line

Credit limit -- $500 min. Student cardholders in online forums have reported securing limits as high as $3,500 for Discover's student cards.

Read Full Review
What we Like:
  • Rotating bonus cash back
  • Double cash back in the first year
  • No annual fee
  • FICO® Score for free
Key Scores:
5.0 5 Perks
5.0 5 Fees
4.0 5 APR
Perks 5.0/5
Fees 5.0/5
APR 4.0/5
  • Annual Fee: $0
  • Regular APR: 15.24% - 24.24% Variable
  • Intro APR: Purchases: 0.00%, 6 months Balance Transfers: 10.99%, 6 months
Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.24% - 24.24%.
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Rates & Fees
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Which credit card will give you the highest limit?

Chase Sapphire Preferred® offers the highest credit limit of the offers on this list with its $100,000 credit line. This offer may be tantalizing, but keep your expectations in check, whether applying for this card or any other just to secure a high limit. Just because a card offers a high credit limit doesn't mean you'll secure the full amount. For example, cardholders with high credit scores can be approved for the limits nearing $100,000, but only a small proportion of cardholders actually have credit limits above $20,000. In most cases, cardholders will receive limits considerably lower than the high potential limits noted.

Here are our picks by potential credit limit:

  • Chase Sapphire Preferred® (up to $100,000)
  • Discover it® Cash Back
  • Discover it® Balance Transfer (up to $25,000)
  • Chase Freedom Unlimited® (up to $24,000)
  • Chase Freedom® (up to $24,000)
  • Discover it® Student Cash Back (up to $3,500)

How to get the highest possible limit

Other factors than your credit score -- such as income and debt -- determine your credit line and here's how to ensure you are approved for the biggest credit card limit:

1.) Keep your credit utilization low -- The less debt you have the better. Card issuers want to minimize their risk when lending you money. Your debt divided by available credit (known as credit utilization) is one factor that can help improve your chances of securing a higher limit.

2.) Pay bills on time -- Paying bills on time signals to issuers that you can be trusted to manage debt balances smartly. Again, the less you are perceived as a lending risk to issuers the better your chances to get a high credit limit.

3.) Increase your income -- The higher your income the greater your potential credit 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 get 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.

To recap, here are the best high limit credit cards today

Card Credit limit Great For…
Chase Sapphire Preferred® Graphic of Chase Sapphire Preferred® Credit limit:

Up to $100,000

Great For:

Highest overall and points

Discover it® Cash Back Graphic of Discover it® Cash Back Credit limit:

Up to $15,000

Great For:

Cash rewards

Chase Freedom Unlimited® Graphic of Chase Freedom Unlimited® Credit limit:

up to $24,000

Great For:

Unlimited 1.5% cash back and no annual fee

Discover it® Balance Transfer Graphic of Discover it® Balance Transfer Credit limit:

Up to $25,000

Great For:

Balance transfers and cash rewards

Chase Freedom® Graphic of Chase Freedom® Credit limit:

Up to $24,000

Great For:

Bonus cash back and 0% intro APR

Discover it® Student Cash Back Graphic of Discover it® Student Cash Back Credit limit:

Up to $3,500

Great For:

Students and diverse cash back program