These 8 Credit Cards Have the Highest Limits

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 card is right for you.

Best for: Highest overall and points Chase Sapphire Preferred®

Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon
4.5 stars Info icon 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.
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Best
Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Excellent
Star Review Icon Star Review Icon Star Review Icon = Good
Star Review Icon Star Review Icon = Fair
Star Review Icon = Poor
Apply Now

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.

Chase Sapphire Preferred® Review
Credit Rating Requirement: Good/Excellent
Highlights

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

Show More Arrow graphic to expand and collapse content

Best for: Travel sign-up bonus Capital One® Venture® Rewards Credit Card

Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon
4.0 stars Info icon 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.
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Best
Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Excellent
Star Review Icon Star Review Icon Star Review Icon = Good
Star Review Icon Star Review Icon = Fair
Star Review Icon = Poor
Apply Now

On Capital One's Secure Website

Our Bottom Line

Credit limit -- Up to $50,000. Few travel cards offer such a deep lineup of perks, including a big sign-up bonus and unlimited 2x miles per $1.

Capital One® Venture® Rewards Credit Card Review
Credit Rating Requirement: Good/Excellent
Highlights
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Terms and Conditions
Show More Arrow graphic to expand and collapse content

Best for: Balance transfers and cash rewards  Discover it® Balance Transfer

Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon
5.0 stars Info icon 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.
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Best
Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Excellent
Star Review Icon Star Review Icon Star Review Icon = Good
Star Review Icon Star Review Icon = Fair
Star Review Icon = Poor
Apply Now

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.

Discover it® Balance Transfer Review
Credit Rating Requirement: Good/Excellent
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, or wholesale clubs 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.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
Terms and Conditions
Show More Arrow graphic to expand and collapse content

Best for: Cash back and 0% intro APR  Chase Freedom Unlimited®

Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon
3.0 stars Info icon 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.
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Best
Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Excellent
Star Review Icon Star Review Icon Star Review Icon = Good
Star Review Icon Star Review Icon = Fair
Star Review Icon = Poor
Apply Now

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.

Chase Freedom Unlimited® Review
Credit Rating Requirement: Good/Excellent
Highlights

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 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 Journey℠
  • No annual fee

Show More Arrow graphic to expand and collapse content

Best for: Bonus cash back and 0% intro APR  Chase Freedom®

Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon
3.5 stars Info icon 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.
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Best
Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Excellent
Star Review Icon Star Review Icon Star Review Icon = Good
Star Review Icon Star Review Icon = Fair
Star Review Icon = Poor
Apply Now

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.

Chase Freedom® Review
Credit Rating Requirement: Good/Excellent
Highlights

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • 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
  • 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 Journey℠
  • No annual fee

Show More Arrow graphic to expand and collapse content

Best for: Students and diverse cash back program Discover it® Student Cash Back

Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon
4.5 stars Info icon 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.
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Best
Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Excellent
Star Review Icon Star Review Icon Star Review Icon = Good
Star Review Icon Star Review Icon = Fair
Star Review Icon = Poor
Apply Now

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.

Discover it® Student Cash Back Review
Credit Rating Requirement: fair
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 or Amazon.com 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.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.74% - 23.74%.
Terms and Conditions
Show More Arrow graphic to expand and collapse content

Best for: Business and fair credit Capital One® Spark® Cash for Business

Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon
4.0 stars Info icon 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.
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Best
Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Excellent
Star Review Icon Star Review Icon Star Review Icon = Good
Star Review Icon Star Review Icon = Fair
Star Review Icon = Poor
Apply Now

On Capital One's Secure Website

Our Bottom Line

Credit limit -- $500 min. Online forum participants have reported approved credit limits ranging from $1,000 to $2,000. Automatic credit limit increases considered after five consecutive on-time payments.

Capital One® Spark® Cash for Business Review
Credit Rating Requirement: Good/Excellent
Highlights
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
Terms and Conditions
Show More Arrow graphic to expand and collapse content
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon
1.5 stars Info icon 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.
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Best
Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Excellent
Star Review Icon Star Review Icon Star Review Icon = Good
Star Review Icon Star Review Icon = Fair
Star Review Icon = Poor
Apply Now

On Capital One's Secure Website

Our Bottom Line

Credit limit -- $300 min. Capital One reviews accounts after five months. On-time payments can likely result in automatic increases, followed by the same every six months with no late payments and no major changes in your credit profile.

Capital One® QuicksilverOne® Cash Rewards Credit Card Review
Credit Rating Requirement: fair
Highlights
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app
Terms and Conditions
Show More Arrow graphic to expand and collapse content
Background image of The Ascent logo

Get our latest tips and uncover more of our top picks to help you conquer your money goals

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, Chase Sapphire Preferred® cardholders with high credit scores can be approved for the $100,000 limit, but only a small proportion of cardholders 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 the highest potential credit limit:

  •        Chase Sapphire Preferred® (up to $100,000)
  •        Capital One® Venture® Rewards (up to $50,000)
  •        Capital One® Spark® Cash for Business (up to $30,000)
  •        Discover it® Student Cash Back (up to $3,500)
  •        Capital One® QuicksilverOne® Cash Rewards ($300 min)
  •        Discover it® Balance Transfer (up to $25,000)
  •        Chase Freedom Unlimited® (up to $24,000)
  •        Chase Freedom® (up to $24,000)

How to get your maximum 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 Best For…
Chase Sapphire Preferred® Graphic of Chase Sapphire Preferred® Credit limit:

Up to $100,000

Best For:

Highest overall and points

Capital One® Venture® Rewards Credit Card Graphic of Capital One® Venture® Rewards Credit Card Credit limit:

Up to $50,000

Best For:

Travel sign-up bonus

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

Up to $25,000

Best For:

Balance transfers and cash rewards 

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

Up to $24,000

Best For:

Cash back and 0% intro APR 

Chase Freedom® Graphic of Chase Freedom® Credit limit:

Up to $24,000

Best 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

Best For:

Students and diverse cash back program

Capital One® Spark® Cash for Business Graphic of Capital One® Spark® Cash for Business Credit limit:

Up to $2,000

Best For:

Business and fair credit

Capital One® QuicksilverOne® Cash Rewards Credit Card Graphic of Capital One® QuicksilverOne® Cash Rewards Credit Card Credit limit:

$300 min.

Best For:

Fair credit and cash back