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Best High Limit Credit Cards: Reviewed by Experts Mar 2024

Review Updated
Lyle Daly
Matt Frankel, CFP®
By: Lyle Daly and Matt Frankel, CFP®

Our Credit Cards Experts

Nathan Alderman
Check IconFact Checked Nathan Alderman
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

Unlock your spending power with a high limit credit card. These cards come with above-average spending limits that are the gateway to making large purchases. If you have excellent credit with enough income, you may qualify for credit limits as high as $25,000 - $100,000, or even unlock no-limit credit card offers!

Simplify your search for the best high limit credit cards

Here's our shortened list of standout high limit credit cards.

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
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= 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.
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= 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: Excellent (740-850)
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.

Excellent (740-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.99% - 29.99% (Variable)

Rewards Circle with letter I in it. Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

2X-10X miles

Annual Fee

$395

Welcome Offer Circle with letter I in it. 75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening

75,000 Miles

  • Our favorite premium travel card. Yes, there’s a premium annual fee here, but you get what you might expect from a luxury card, like up to 10X miles on spending through Capital One Travel, a $300 travel credit, experience credits, and a huge welcome bonus. Read Full Review

    • Big travel rewards bonus
    • High rewards rate
    • Travel credits
    • Easy-to-use miles
    • Annual fee
    • Small selection of travel partners
    • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
    • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
    • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
    • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
    • Earn unlimited 2X miles on all other purchases
    • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
    • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
    • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
    • Receive up to a $100 credit for Global Entry or TSA PreCheck®
Award Icon 2024 Award Winner

Great for: No annual fee

Apply Now for Chase Freedom Flex℠

On Chase's Secure Website.

Rating image, 5.00 out of 5 stars.
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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= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
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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= 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 Freedom Flex℠

On Chase's Secure Website.

Credit limit

$500 minimum with user reports of $24,000. This card's versatility makes it a leading cash-back credit card that includes robust rewards and no annual fee.

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: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

20.49%-29.24% Variable

Rewards Circle with letter I in it. 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

5% cash back offer

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

$200 bonus

  • Checks all the boxes for a cash back credit card, with high cash back rates across several categories, a 0% intro APR, and a big sign-up bonus. Read Full Review

    • Big sign-up bonus
    • Lucrative cash back program
    • Long 0% intro APR
    • No annual fee
    • Purchase and travel protections
    • Foreign transaction fee
    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
    • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
    • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
    • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
    • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
    • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom FlexSM card
    • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
    • Member FDIC

Great for: Travel rewards

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
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= 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.
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= 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)

Credit limit

$5,000 minimum with user reports of $50,000. This card is considered by many travelers as a must have, due to its sign-up bonus, versatility, and premium travel rewards.

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

21.49%-28.49% Variable

Rewards Circle with letter I in it. Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.

5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases

Annual Fee Circle with letter I in it. N/A

$95

Welcome Offer Circle with letter I in it. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

60,000 bonus points

  • The enormous welcome bonus (worth up to $750), bonus points for travel and dining, and $50 annual hotel credit alone make this card well worth the $95 annual fee. What really stands out are the rare travel protections such as trip delay reimbursement, lost luggage reimbursement, and trip cancellation/interruption insurance. It’s the only low annual fee card we’ve seen offer those protections. Read Full Review

    • 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 $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
    • Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
    • 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.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
    • Member FDIC

Great for: Unlimited cash back program

Rating image, 5.00 out of 5 stars.
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.
= Best
= Excellent
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= Poor
Rating image, 5.00 out of 5 stars.
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.
= 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)
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. 0% Intro APR on Purchases and Balance Transfers for 15 months

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular APR

20.49% - 29.24% Variable

Rewards Circle with letter I in it. Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases

1.5% - 5% cash back

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.

Up to $300 cash back

  • This card would be highly-rated based on its unlimited 1.5% - 5% cash back rates & 0% Intro APR offer alone. But the innovative sign-up bonus (worth up to $300 cash back) makes it particularly good if this would be your primary credit card. With the bonus, you’ll earn 4.5% cash back on dining and drugstores, 6.5% on travel booked through Chase Ultimate Rewards®, and 3% on all other purchases (on up to $20,000 spent in the first year). After the bonus, you’ll still earn the regular cash back rates on every purchase. Read Full Review

    • Innovative sign-up bonus
    • Purchase and travel protections
    • Robust rewards program
    • Great intro APR
    • No annual fee
    • Foreign transaction fee
    • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
    • Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
    • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
    • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
    • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
    • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
    • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
    • Member FDIC

Great for: Luxury benefits

Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

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: Good/Excellent (670-850)
Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Credit limit

$10,000 minimum with user reports of $80,000. A top travel card issued as a Visa Infinite card, which includes the best Visa perks.

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

22.49%-29.49% 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 Circle with letter I in it. N/A

$550

Welcome Offer Circle with letter I in it. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

60,000 bonus points

  • The sign-up bonus, premium rewards for travel and dining, and a wide array of travel benefits give this card quite a bit of value. Read Full Review

    • Sign-up bonus
    • Travel credits
    • Airport lounge access
    • Travel and dining rewards
    • Flexible travel points
    • Annual fee
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
    • $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 $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
    • Member FDIC

Great for: Business travel rewards

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: Good/Excellent (670-850)

Credit limit

$5,000 minimum with user reports of $100,000. The big sign-up bonus is the clear draw. Not to be overshadowed, the card has one of the leading reward programs in the business card category.

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

21.24%-26.24% Variable

Rewards Circle with letter I in it. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.

Earn 3 points per $1 in select business categories

Annual Fee Circle with letter I in it. N/A

$95

Welcome Offer Circle with letter I in it. New Cardmember Offer! Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

New Cardmember Offer! Earn 100,000 bonus points

  • With a huge sign up bonus and massive ongoing rewards rate of 3x points per $1 on business essentials, this card is a home run for businesses that spend a lot and want to maximize their rewards. Read Full Review

    • Huge sign-up bonus
    • Advertising rewards
    • Shipping rewards
    • Cell phone protection
    • Flexible travel points
    • Card perks
    • Annual fee
    • No intro APR offer
    • Spending minimum for sign-up bonus
    • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
    • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
    • Round-the-clock monitoring for unusual credit card purchases
    • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
    • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
    • Points are worth 25% more when you redeem for travel through Chase Travel℠
    • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
    • Member FDIC

Great for: Small business 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: Good/Excellent (670-850)

Credit limit

$3,000 minimum with user reports of $75,000. While its rewards program and sign-up bonus shouldn't be overlooked, the real standout for this card is its intro APR offer.

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. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular APR

18.49% - 24.49% Variable

Rewards Circle with letter I in it. Earn unlimited 1.5% cash back on every purchase made for your business

Earn unlimited 1.5% cash back on every purchase

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Earn $750 bonus cash back

  • This credit card is a good fit for business owners who want a straightforward cash back card with a robust $750 cash back welcome bonus and/or 0% intro APR for financing large purchases. Read Full Review

    • Big cash back sign-up bonus
    • Competitive cash back rate
    • Great intro APR
    • No annual fee
    • Free employee cards
    • No bonus categories
    • Foreign transaction fee
    • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
    • Earn unlimited 1.5% cash back on every purchase made for your business
    • No Annual Fee
    • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
    • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
    • Round-the-clock monitoring for unusual credit card purchases
    • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
    • 0% introductory APR for 12 months on purchases
    • Member FDIC

Great for: Building credit

U.S. Bank Secured Visa® Card
Rating image, 4.00 out of 5 stars.
4.00/5 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.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 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.
= 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/New to Credit Under(669)

Credit limit

$300 minimum ($5,000 maximum). This card's high secured credit limit is the standout feature that could justify the small annual fee for the right cardholder.

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/New to Credit Under(669)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

29.24% (Variable)

Rewards

N/A

Annual Fee

$0

Welcome Offer

N/A

  • A basic, no-frills secured credit card. It has everything needed to start building or rebuilding credit, but none of the valuable extras of the very best cards in its category.

    • Flexible approval requirements
    • No annual fee
    • Upgrades to unsecured credit card
    • Free credit score monitoring
    • Flexible payment dates
    • Large minimum security deposit
    • No rewards
    • Foreign transaction fee
    • Credit limit ranges from $300-$5,000 based on deposit.
    • The deposit is put in an FDIC-insured savings account that earns interest and won't be touched as long as your account remains open and in good standing.
    • Car rental insurance available at no additional cost if you charge the car rental on your card and decline rental company's collision damage waiver option.
    • Free TransUnion® Credit Score.
    • You are not responsible for unauthorized transactions if your U.S. Bank Secured Visa Card is ever lost or stolen.

Great for: Limited credit history

Rating image, 4.25 out of 5 stars.
4.25/5 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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Rating image, 4.25 out of 5 stars.
4.25/5 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: Fair/New to Credit Under(669)

Credit limit

$300 minimum ($10,000 maximum). This card includes a nice rewards program, and has no annual fee, but its standout feature is that potential approval isn't entirely determined by your credit score.

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/New to Credit Under(669)

Regular APR

18.24 - 32.24% Variable

Rewards

Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments. 1% cash back on eligible purchases right away. 2% - 10% cash back at select merchants.

  • A leading option among credit cards for building credit. The rewards program and lack of fees are standout perks in this category.

    • No credit history required
    • Competitive cash back rewards
    • No fees
    • Fixed payment due date
    • Not for rebuilding credit
    • No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
    • Variable APRs range from 18.24% - 32.24%
    • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
    • 1% cash back on eligible purchases right away
    • 2% - 10% cash back at select merchants
    • $300 - $10,000 credit limits
    • No credit score? No problem. If eligible, we'll create your Cash Score instead.
    • See if you're pre-approved within minutes without impacting your credit score.
    • Build credit alongside hundreds of thousands of Petal card members.
    • Petal reports to all 3 major credit bureaus.
    • No deposits required
    • Card issued by WebBank

Compare credit card limits

Best High Limit Credit Cards for Individuals

Best High Limit Credit Card Minimum & Maximum Credit Limits
Chase Sapphire Reserve® $10,000 minimum with user reports of $80,000
Capital One Venture X Rewards Credit Card Credit limits determined on a per person basis
Chase Sapphire Preferred® Card $5,000 minimum with user reports of $50,000
Chase Freedom Unlimited® $500 minimum with user reports of $24,000
Chase Freedom Flex℠ $500 minimum with user reports of $24,000
Petal® 2 "Cash Back, No Fees" Visa® Credit Card $300 minimum ($10,000 maximum)
U.S. Bank Secured Visa® Card $300 minimum ($5,000 maximum)

Best High Limit Credit Cards for Business Owners

Best High Limit Credit Card Minimum & Maximum Credit Limits
Ink Business Preferred® Credit Card $5,000 minimum with user reports of $100,000
Ink Business Unlimited® Credit Card $3,000 minimum with user reports of $75,000
The best high limit credit card credit limit ranges displayed above are based on cardholder feedback, and assume excellent credit rating eligibility. Check the issuer's card terms and conditions for published limit ranges.


Best High Limit Credit Card Expert Reviews

Our expert picks for the best high limit credit cards for both consumers and business owners.

Capital One Venture X Rewards Credit Card

Our rating: 4.50/5.00 stars. Cardholder Review Ratings: 635 reviews give it 4.30/5.00 stars as of 3/12/24.

Leveraging the High Credit Limit:

  • Estimated credit limit range: Undisclosed
  • Welcome offers: Lucrative 75,000 mile sign-up bonus for eligible cardholders
  • Travel rewards with high limit spending:
    • Multiple bonus categories with 5x to 10x miles
    • Unlimited 2x miles on other purchases

With premium perks and a reasonable annual fee, this Visa Infinite travel credit card is a favorite of ours. An annual $300 credit for Capital One Travel bookings and 10,000 bonus miles every account anniversary already more than make up for the annual fee (see rates and fees).

Apply for Capital One Venture X Rewards Credit Card


Chase Freedom Flex℠

Our rating: 5.00/5.00 stars. Cardholder Review Ratings for Chase Freedom Flex℠ not provided on the Chase site

Leveraging the High Credit Limit:

  • Estimated credit limit range: $500-$15,000
  • Welcome Offers: Easily attainable $200 welcome bonus plus 5% at grocery stores for eligible cardholders
  • Cash back for high limit spending:
    • Multiple cash back categories
    • Rewards do not expire as long as your account is open

Our award winner for no annual fee Credit Card: Boasting a 0% intro APR for 15 months on purchases and balance transfers, this cash back card is a wonderful benefit for high limit spending, without having to pay back your balance immediately.

The terms and conditions hint at a potential credit line range, starting at $500, and based on the balance transfer section, the total balance transfer request cannot exceed available credit or $15,000, whichever is lower, but we've gotten reports of a credit limit up to $24,000. This is a much lower entry credit limit vs the Chase Sapphire Preferred® Card, while still estimating the same maximum credit limit of $15,000.

Apply for Chase Freedom Flex℠


Chase Sapphire Preferred® Card

Our rating: 4.50/5.00 stars. Cardholder Review Ratings: 7,829 give it 4.50/5.00 stars as of 3/12/2024

Leveraging the High Credit Limit:

  • Estimated credit limit range: likely $5,000-$50,000 based on cardholder reviews, and our personal experience
  • Maximize your credit line and earning potential: This card boasts flexible travel rewards and a generous welcome bonus, and might be best suited for travel and dining expenses.

The terms and conditions for this card do not specifically state what the minimum and maximum credit line is for this card, but they do hint at it in a couple areas. For instance, it is mentioned that the credit access line, if approved, will be at least $5,000. And in the section regarding balance transfer requests, it states that the dollar amount you request to transfer over to the Chase Sapphire Preferred® Card cannot exceed the available credit or $15,000 (including fees and interest charges), whichever is lower.

Apply for Chase Sapphire Preferred® Card


Chase Freedom Unlimited®

Our rating: 5.00/5.00 stars. Cardholder Review Ratings: 10,034 reviews give it 4.80/5.00 stars as of 3/12/24

Leveraging the High Credit Limit:

  • Estimated credit limit range: $500-$15,000
  • Welcome offers: Elevated cash back rate the first year (earn an additional $300 cash back on up to $20,000 in spending, worth Up to $300 cash back) for eligible cardholders.
  • Cash back rewards with a high credit limit
    • Multiple cash back bonus categories (like including travel, dining, and drugstores)
    • Unlimited 1.5% on other purchases
    • Cash back rewards do not expire as long as your account is open

The pricing and terms for this card state that the minimum credit limit is $500 if approved for a Visa Platinum account and $5,000 if approved for a Visa Signature account. In addition, balance transfer requests can't total more than $15,000 or your available credit, whichever is lower. Like its sibling, the Chase Freedom Flex℠, this card generally has limits of up to $15,000, although it's possible to get approved for a larger amount.

Apply for Chase Freedom Unlimited®


Chase Sapphire Reserve®

Our rating: 4.50/5.00 stars. Cardholder Review Ratings: 4,642 reviews give it 4.80/5.00 stars as of 3/12/24.

Leveraging the High Credit Limit:

  • Estimated credit limit range: $10,000 - $80,000
  • Welcome offers: Big sign-up bonus of $900 points redeemable for travel expenses for eligible cardholders
  • Travel rewards with a high spending limit:
    • More ways to earn with a variety of bonus categories
    • Earn up to 10x points per $1!
    • Points do not expire as long as your account is open.

The pricing and terms of this Chase card lay out a minimum credit line of $10,000. The maximum in balance transfer requests is $15,000 or your available credit, whichever is lower. But this isn't a balance transfer card, it's a travel card, and cardholders have reported much larger credit limits than $15,000. On the high end, there have been reports of limits up to $80,000.

This Chase travel card is loaded with valuable features, including a $300 annual travel credit, perks with Chase partners, and airport lounge access. Not everyone will be able to get the most out of this card and its high spending limit, but if you can, it can help you save big on travel expenses.

Apply for Chase Sapphire Reserve®


U.S. Bank Secured Visa® Card

Our rating: 4.00/5.00 stars. Cardholder Review Ratings: 392 reviews give it 4.00/5.00 stars as of 3/12/24.

Leveraging the High Credit Limit:

  • Estimated credit limit range: $300-$5,000
  • Keep credit utilization low: This card doesn't offer purchase rewards or a welcome offer. It's a secured credit card intended for building and rebuilding credit. Keep your credit utilization low, which is good for your credit score.

With this U.S. Bank secured credit card, there's no guessing about your credit limit. Your credit limit is equal to your security deposit, according to U.S. Bank's knowledge base. When you apply for this card, you can choose your security deposit amount, with a minimum of $300 and a maximum of $5,000. A large limit will require a large deposit, but you have the option if you want a credit card with plenty of spending power.

Apply for U.S. Bank Secured Visa® Card


Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Our rating: 4.25/5.00 stars. Cardholder Review Ratings for Petal® 2 "Cash Back, No Fees" Visa® Credit Card not provided on the Petal site

Leveraging the High Credit Limit:

  • Estimated credit limit range: $300-$10,000
  • Build your credit score: This card is designed first and foremost for building credit, and a high limit can help you maintain lower credit utilization.
  • Cash back rewards with a high credit limit:
    • Earn 1% to 1.5% on purchases
    • Earn bonus rates of 2% to 10% at select merchants

Petal makes it clear what the credit limit range is for this starter credit card. The Petal homepage provides credit limits for each of its credit cards, and this card's range is $300 to $10,000. Petal can also approve you for an application and determine a credit limit based not just on your credit history, but also your banking history. And through its Leap program, you can earn a credit limit increase after six months of qualifying on-time payments. Terms apply.

Apply for Petal® 2 "Cash Back, No Fees" Visa® Credit Card


Best Business Credit Card Expert Reviews

Ink Business Unlimited® Credit Card

Our rating: 4.50/5.00 stars. Cardholder Review Ratings for Ink Business Unlimited® Credit Card not provided on the Chase site

Leveraging the High Credit Limit:

  • Estimated Credit Limit Range: $3,000-$25,000
  • Welcome offers: Large $750 bonus cash back sign-up bonus for eligible cardholders
  • Business cash back rewards with a high spending limit:
    • Unlimited 1.5% cash back on purchases
    • Cash back rewards do not expire as long as your account is open

In the pricing and terms for this business credit card, Chase specifies that your credit line will be at least $3,000 if approved. While there's no official maximum, the terms also state that Chase may request additional information for credit lines over $25,000. Anecdotally, there have been reports of cardholders with $75,000 limits, but most approved applicants likely end up in the $3,000 to $25,000 range.

The welcome offer for this Chase business card requires substantial spending, and a high credit limit makes it easier to reach that target. If you do, you'll be rewarded with an equally substantial welcome bonus. Making it even better is this card's 0% intro APR on purchases for the first 12 months, giving you time to pay off any large business expenses.

Apply for Ink Business Unlimited® Credit Card


Ink Business Preferred® Credit Card

Our rating: 4.50/5.00 stars. Cardholder Review Ratings not provided on the Chase site.

Leveraging the High Credit Limit:

  • Estimated credit limit range: $5,000-$25,000
  • Welcome offers: Massive sign-up bonus of 100,000 points for eligible cardholders
  • Business rewards points with a high limit:
    • 3x points in several business spending categories
    • 1 point per $1 on other purchases
    • Points do not expire as long as the account is open

For business owners in need of a big credit limit, this Chase card is tough to beat. It has a $5,000 minimum credit limit, according to the pricing and terms. The typical limit range likely goes up to $25,000, as the terms also state that anything higher could require additional information. And some cardholders have reported significantly higher limits -- as high as $100,000.

With most credit cards, a generous credit limit is a nice extra. With this Chase business card, it makes the card significantly more valuable. A high credit limit allows you to more easily spend enough to earn the huge welcome bonus, and you'll also be able to maximize all those useful bonus categories.

Apply for Ink Business Preferred® Credit Card


Considerations for high limit credit cards

The best high limit credit cards allow you to make large purchases, such as furniture, without running out of room on your card. The highest credit card limits are best for people who aren't tempted to overspend and who can commit to paying off their card each month.

Make the most of your high limit credit card

Get credit industry expert tips on the most common questions on upgrading your lifestyle, including:

  • Can I get a high limit credit card?
  • How to get a high limit credit card?
  • What's the minimum credit line?
  • How much credit line do you need?
  • Is the annual fee worth it?
  • Are the credit card rewards worth it?
  • Can you pay off your card, responsibly?

Credit Card Industry Experts Weigh In

John Ulzheimer

John Ulzheimer

Credit card expert with over 30 years of experience within the credit industry, weighs in on high limit credit cards

John Ulzheimer has worked at FICO, Equifax and Credit.com, is the founder of CreditExpertWitness.com and is the acting president of The Ulzheimer Group. He has been quoted, interviewed and published in the financial media, with over 5.000 media appearances and interviews across nearly every major television, print and online news outlet.

What is a high-limit credit card?

Generally speaking, anything above $10,000 would reasonably be considered a high-limit card. Although, it's not uncommon for credit limits to exceed 20 and 30 thousand dollars, depending on the issuer and the income and credit quality of an applicant.

How does someone get a high-limit credit card?

First off, not all card issuers offer high-limit cards. So, you're going to have to apply with an issuer that does offer higher limits. And, as you can imagine, they don't just give those out to everyone. You have to earn them. The way to do that is to have solid credit scores and an income that justifies the higher limit.

Card issuers are required to consider your ability to pay them when you apply (CARD Act of 2009) so it's more than just a solid credit score. You can also earn higher limits on lower limit cards over a period of several years by using the card responsibly and making your payments on time.

When should someone consider increasing their credit card limit?

Always. If you have the self-control and discipline to not increase your spending simply because you have a higher credit limit, there's really no downside to asking for the higher limit. You'll have more spending power, which may come in handy.

How do high-limit credit cards affect your credit?

They can certainly help your credit scores. Credit scoring models, like FICO's scores, reward consumers who maintain low balances on their cards relative to the credit limits. This is informally referred as the credit utilization ratio, or formally referred to as revolving utilization. It's easier to have lower utilization ratios if you have higher credit limits. Of course, you can also harm your scores if your balances are too high relative to your credit limits, regardless of their amount.

Bola Sokunbi

Bola Sokunbi

Financial Education Instructor of the Year (FEIY) weighs in on high limit credit cards

Bola Sokunbi is the author/founder & CEO of Clever Girl Finance. Bola is a 4 times best-selling author of the Clever Finance Book Series and Choosing To Prosper, and she is also a recipient of the Financial Education Instructor of the Year (FEIY) Award. Her mission is to help women ditch debt, save money, and build real wealth.

What is a high limit credit card?

In simple terms, a high limit credit card has higher limits than the average credit card. Your available credit could likely start around $5,000 and could go up to $50,000 or even higher.

When should someone consider increasing their credit card limit?

You can get a higher credit limit to increase your credit score by using it to lower your overall credit utilization ratio (i.e. You'd have a higher ratio of available credit to debt which in turn increases your credit utilization ratio). Another good reason is if you have a large expense coming up. However, you should also have a plan for debt payoff or choose not to carry a balance at all, or you may see negative effects on your credit instead of positive ones.

How do high limit credit cards affect your credit?

As long as you pay off your credit card and don’t carry a balance, the effect over time on your credit should be good. Initially, you may see a hard inquiry to your credit report when you apply, which will temporarily lower your credit score (but not by much). But overall, your credit score will likely improve due to a lower credit card utilization ratio, and you will enjoy the opportunities afforded by a higher credit limit.

How does someone get a high limit credit card?

You can prepare for a high limit credit card by ensuring your credit is good or excellent. A high income may also be a factor, as well as a low debt-to-income ratio. Each card will have its own requirements you’ll need to follow.

Jenn Uhen

Jenn Uhen

Founder, The Pledgettes Financial Community

Jenn Uhen is the founder of The Pledgettes, a personal finance community for women taking an active role in their personal finances. She creates tailored presentations and activations for audiences at events including the International Franchising Association Conference.

What is a high limit credit card?

Credit cards with a limit of $5,000 and above are considered high-limit credit cards. There are some to be reported to have limits over $100,000.

When should someone consider increasing their credit card limit?

Like with any money move, make it intentional. You may want to consider increasing your credit card limit to improve your credit score. An improved credit card score will help you if you plan to: apply for a loan (mortgage, car, or personal loan), need cash to intentional move to a new life chapter, and it may even affect your car insurance premiums. There may also be a reason for using a credit card with 0% interest for a high ticket item if paying in full can get you a discount. I have negotiated medical bills by paying in full early, putting the full amount on a 0% interest card, and paying them off over time but before the 0% interest period is over. Note that this strategy will ding your credit score but I was able to recover those lost point quickly after paying off the total balance and relying on other factors of my credit score.

If you tend to carry a large balance on your credit cards and don’t pay them off in full, having a larger credit limit may tempt you into making some choices that may increase your debt, getting you further away from your Big Financial Goals. You know you best, so set yourself up for success.

How do high limit credit cards affect your credit?

A high-limit credit card can improve your credit score when looking at the Amounts Owed number. Amounts owed looks at the amount you have borrowed (balance on your credit card) compared to your available credit.

Your length of credit history, credit mix, and new credit are also factors in your credit score. I recommend seeing if you can increase your credit limit on your current cards (if you’re happy with them) instead of applying for new cards. Because keeping your longest open credit card will improve your credit score as well as not opening too many new credit cards.

How does someone get a high limit credit card?

If you are looking for a high-limit credit card, I recommend you start where you are.

If you like the perks and fees of your current credit card, call your issuer and ask for an increased limit. They may ask questions or have you complete some paperwork since some things may have changed since your initial application (they certainly would be happy if your income has increased).

If you have a credit card through a bank, walk into your branch (or call) and share that you want to build a relationship with a banker. Share your Big Financial Goals and your financial state. In that conversations they may suggest different products to help you reach your goal, whether it’s a credit card, loan, or HELOC (for homeowners).

Having a conversation is a great opportunity to ask questions and share. You’re also encouraged to get multiple perspectives and ideas as there are seemingly limitless ways to build wealth and hit your Big Financial Goals. Remember your financial journey does not need to be a solo one, so ask questions and normalize money talks.


Compare high limit cards

Select a high limit credit card that is best for you to apply directly with the issuer.

The Picks
Card Rating Great For
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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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Premium travel

Award Icon 2024 Award Winner
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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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No annual fee

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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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Travel rewards

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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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Unlimited cash back program

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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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Luxury benefits

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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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Business travel rewards

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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Small business card

U.S. Bank Secured Visa® Card
Graphic of U.S. Bank Secured Visa® Card
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4.00/5 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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Building credit

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4.25/5 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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Limited credit history


Alternatives to High Limit Credit Cards

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Considerations based on your high limit spending needs:

  • Want to Transfer Credit Card Balances? Consider higher limit balance transfer credit cards, which may have offers up to 21 months interest free.
  • Making a One-Time Large Purchase? Consider applying for a personal loan which may have a lower interest rate vs a credit card - note that there is a smaller total payback window.
  • Making Multiple Large Purchases? If you want to make one or a few large purchases within a year, consider applying for a high limit 0% intro APR credit card and pay it off before interest is due!
  • Doing Home Renovations? If you are a homeowner, and have already started paying down your mortgage, consider taking out a HELOC (Home Equity Line of Credit).
  • Our high limit credit card evaluation started with cards that offer high minimum credit limits, as well as high maximum credit limits. We also took into account the breadth and exclusivity of each product's standard card rewards programs, in addition to brand reputation for customer sentiment and other Motley rating golden rule standards.

    So, why no award winner for the best high limit credit card?

    While we roll out the red carpet awarding the best credit cards in categories like cash back and travel, there's no best of award trophy on our shelf for "high limit." This isn't us being lazy -- it's because card issuers are a bit shy about sharing their maximum credit limits. They like to personalize, setting credit limits based on personal finance factors like your credit score, income, and debt-to-income ratio. That’s why one person’s credit limit could be vastly different from another’s – heck, a starter card could even flex a higher limit than a fancy rewards card in some cases!

    Sure, there are whispers about certain card limits with users sharing their stories on review sites and forums like Reddit and Quora. But remember, these tales are not set in stone. Rather than chasing after the mythical “highest limit” card, we recommend you find the card that fits like a glove for your needs.

FAQs

  • High limit credit cards are credit cards with above-average spending limits. While there isn't any standard definition about what high limit credit cards actually are, a high balance credit card with a limit of $10,000 or above could generally be included on a list of high limit credit cards.
    Check out some of the best high limit credit card options»

  • High limit credit cards tend to be geared toward people with excellent credit and high incomes. Some high limit credit cards may offer as much as a $50,000 credit limit, but there are also more exclusive credit cards designed specifically for those who spend large amounts of money.

    It's not uncommon to hear of people getting credit cards with higher limits, such as $20,000 or more, on a single card, but also getting significant incremental credit limit increases as their credit relationship with their credit card issuer improves over time. Check out some of the best high limit credit card options»

  • Most credit card issuers are happy to increase your credit limit if you've had your card open for several months or years. If you've had your credit card open for several months, your income or credit score has risen, and you've made all your payments on time, most card issuers will approve you for a credit line increase.

    To get a higher credit limit, log in to your account or call the credit card issuer to request a credit limit increase.

    Check out some of the best high limit credit card options»

  • Credit card companies generally decide your credit limit by looking at your credit score and your income more than the type of card you're applying for. For this reason, the biggest factor in getting a high limit on your credit card is you, so make sure to focus on building your credit score.

    Once you earn excellent credit, you will start to see your card offer eligibility improve.

    But if you're wondering whether a card will meet your needs, check the documentation with the application.
    Check out some of the best high limit credit card options»

  • You can increase your credit line even further by applying for multiple high limit credit cards. You could apply for multiple high limit credit cards if you want to have a large amount of credit available to you.

    But be careful: Applying for too many high limit credit cards at one time can be a red flag to lenders and can harm your credit score. A better approach is to space your credit card applications out over time. Apply for high limit cards as you actually need them in order to minimize the hit to your credit score.

    Check out the video on our increasing credit limit page to learn more on how to choose the best high limit card

    Check out some of the best high limit credit card options»

  • A high balance credit card with a limit of $10,000 or above could generally be included on a list of high limit credit cards. It's not uncommon to hear of people getting credit cards with higher limits, such as $20,000 or more, on a single card.

    We suggest $10,000 or above as a possible benchmark for high credit limit credit cards based on user reports of their cards' credit limits.

    If you're wondering whether a card will meet your needs, check the documentation with the application.
    Check out some of the best high limit credit card options»

  • There isn't any one card that's known as the highest credit limit credit card, and there's no single definition for high limit credit cards. Keep in mind that "high" is a relative term.

    Credit cards aren't broken down into official categories based on which come with high limits, so one person's idea of high limit credit cards might seem average to someone else. For example, some invitation-only credit cards may offer a $50,000 credit limit or more and some may have no credit limits. Or, consider these two credit cards, one a high-end card and another designed for building and rebuilding credit:

    • Chase Sapphire Reserve®: We've heard unofficial reports of people getting credit cards with large limits for this card -- as high as $80,000, and some cardholders could have even higher limits. Along with a slew of other perks common to premium high limit cards, you can earn rewards to redeem for travel, cash, gifts, and more.
    • U.S. Bank Secured Visa® Card: Secured credit cards also aren't usually cards with high limits. However, this high limit credit card comes with a credit limit of $300 up to $5,000. The only catch is you'll need to put down a matching deposit to get access to the highest credit card limit.
      Check out some of the best high limit credit card options»
  • Cards with high credit limits can trap you in more debt than normal credit cards.

    As a rough rule of thumb, aim for having a total credit limit -- across all of your credit cards -- of about five times your normal monthly expenses. Using this number as a starting point will help you minimize negative impacts to your credit score if you use your high limit credit cards responsibly, paying it off each month.

    Experts have figured out that keeping your total balances below 20% to 30% of total available credit will help you avoid damaging your credit score. Translated into real-world terms, the formula means that if you were to charge a full month's expenses to high limit credit cards, then pay it off in full at the end of the month, your credit utilization ratio would still remain under the 20% threshold.
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