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This question is about High Limit Credit Cards
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Lisa Cahill, Credit Cards Moderator
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The best credit card with a $10,000 limit is the Chase Sapphire Reserve® card because it offers a minimum credit limit of $10,000 along with elite travel rewards and benefits. Chase Sapphire Reserve is a particularly good option for big spenders with excellent credit. Chase Sapphire Reserve has a $550 annual fee, but if you're a frequent traveler, its rewards can help offset this cost.
It's worth noting that most credit cards will only list minimum spending limits in their terms. The best high-limit credit cards, though, will offer spending limits of $10,000 or more to the most creditworthy applicants.
Best Credit Cards With a $10,000+ Credit Limit
Chase Sapphire Reserve®Minimum Credit Limit: $10,000
Initial Bonus: 60,000 bonus points for spending $4,000 in the first 3 months
Ongoing Rewards: a total of 10 points per $1 spent on hotels and car rentals booked through Chase, a total of 10 points per $1 spent on prepaid restaurant reservations or takeout orders made through Chase, a total of 5 points per $1 spent on flights purchased through Chase, 3 points per $1 spent on all other travel and dining purchases, and 1 point per $1 on all other purchases
Foreign Transaction Fee: $0
Annual Fee: $550
Minimum Credit Required: Excellent
- Bank of America® Premium Rewards® Elite Credit Card
Minimum Credit Limit: $10,000
Initial Bonus: 75,000 points after spending $5,000 in purchases in the first 90 days
Ongoing Rewards: 2 points per dollar spent on travel and dining purchases and 1.5 points per dollar on all other purchases
Foreign Transaction Fee: $0
Annual Fee: $550
Minimum Credit Required: Excellent
- Chase Sapphire Reserve®
Minimum Credit Limit: $10,000
Initial Bonus: 60,000 bonus points for spending $4,000 in the first 3 months
Ongoing Rewards: a total of 10 points per $1 spent on hotels and car rentals booked through Chase, a total of 10 points per $1 spent on prepaid restaurant reservations or takeout orders made through Chase, a total of 5 points per $1 spent on flights purchased through Chase, 3 points per $1 spent on all other travel and dining purchases, and 1 point per $1 on all other purchases
Foreign Transaction Fee: $0
See AlsoThe best high limit credit cards of 2023 and how to get them with your credit scoreThis is how many credit cards you should have, according to expertsWhat is the Chase 5/24 rule?What Credit Cards Can You Get With a 700 Score? | BankrateAnnual Fee: $550
Minimum Credit Required: Excellent
- United Club℠ Infinite Card
Minimum Credit Limit: $15,000
Initial Bonus: 90,000 miles after you spend $5,000 in the first 3 months
Ongoing Rewards: 4 miles per $1 spent with United, 2 miles per $1 spent on all other travel, on dining and eligible delivery services, and 1 mile per $1 spent on all other purchases
Foreign Transaction Fee: $0
Annual Fee: $525
Minimum Credit Required: Excellent
- First Tech Choice Rewards World Mastercard®
Minimum Credit Limit: $10,000
Initial Bonus: 20,000 points for spending $3,000 in the first 60 days
Ongoing Rewards: 2 points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications, and 1 point for every $1 spent on all other purchases
Foreign Transaction Fee: $0
Annual Fee: $0
Minimum Credit Required: Fair
- Ink Business Premier℠ Credit Card
Minimum Credit Limit: $10,000
Initial Bonus: $1,000 for spending $10,000 in the first 3 months
Ongoing Rewards: 5% cash back on travel through Chase, 2.5% back on every purchase totaling at least $5,000, as well as 2% back on all other purchases
Foreign Transaction Fee: $0
Annual Fee: $195
Minimum Credit Required: Good
Credit limits are based largely on your income, debt, and credit history. So, the more money you make and the better your credit is, the higher the credit limit you can expect. It’s possible to get a $10,000 limit on many credit cards, but finding cards with definite $10,000 minimums is difficult. Feel free to also check out our editors' picks for the best high limit credit cards and pick one according to your individual needs.
This answer was first published on 02/08/21 and it was last updated on 12/11/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
Bank of America® Premium Rewards® Elite Credit CardMinimum Credit Limit: $10,000
Initial Bonus: 75,000 points after spending $5,000 in purchases in the first 90 days
Ongoing Rewards: 2 points per dollar spent on travel and dining purchases and 1.5 points per dollar on all other purchases
Foreign Transaction Fee: $0
Annual Fee: $550
Minimum Credit Required: Excellent
- Chase Sapphire Reserve®
Minimum Credit Limit: $10,000
Initial Bonus: 60,000 bonus points for spending $4,000 in the first 3 months
Ongoing Rewards: a total of 10 points per $1 spent on hotels and car rentals booked through Chase, a total of 10 points per $1 spent on prepaid restaurant reservations or takeout orders made through Chase, a total of 5 points per $1 spent on flights purchased through Chase, 3 points per $1 spent on all other travel and dining purchases, and 1 point per $1 on all other purchases
Foreign Transaction Fee: $0
Annual Fee: $550
Minimum Credit Required: Excellent
- United Club℠ Infinite Card
Minimum Credit Limit: $15,000
Initial Bonus: 90,000 miles after you spend $5,000 in the first 3 months
Ongoing Rewards: 4 miles per $1 spent with United, 2 miles per $1 spent on all other travel, on dining and eligible delivery services, and 1 mile per $1 spent on all other purchases
Foreign Transaction Fee: $0
Annual Fee: $525
Minimum Credit Required: Excellent
- First Tech Choice Rewards World Mastercard®
Minimum Credit Limit: $10,000
Initial Bonus: 20,000 points for spending $3,000 in the first 60 days
Ongoing Rewards: 2 points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications, and 1 point for every $1 spent on all other purchases
Foreign Transaction Fee: $0
Annual Fee: $0
Minimum Credit Required: Fair
- Ink Business Premier℠ Credit Card
Minimum Credit Limit: $10,000
Initial Bonus: $1,000 for spending $10,000 in the first 3 months
Ongoing Rewards: 5% cash back on travel through Chase, 2.5% back on every purchase totaling at least $5,000, as well as 2% back on all other purchases
Foreign Transaction Fee: $0
Annual Fee: $195
Minimum Credit Required: Good
Credit limits are based largely on your income, debt, and credit history. So, the more money you make and the better your credit is, the higher the credit limit you can expect. It’s possible to get a $10,000 limit on many credit cards, but finding cards with definite $10,000 minimums is difficult. Feel free to also check out our editors' picks for the best high limit credit cards and pick one according to your individual needs.
2023's Best High Limit Credit Cards
2023's Best High Limit Credit Cards
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People also ask
Is a 10,0000 credit limit good?
Yes a $10,000 credit limit is good for a credit card. Most credit card offers have much lower minimum credit limits than that, since $10,000 credit limits are generally for people with excellent credit scores and high income.
Your credit score is not the only factor that's taken into consideration when a lender determines your credit limit. Your income, assets and existing debt all contribute to this decision.
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What is the highest credit card limit you can get?
The highest credit card limit you can get is over $100,000 according to reports from credit card holders. But like most credit cards in general, even the highest-limit credit cards will only list minimum spending limits in their terms. The best high limit credit cards offer spending limits of $10,000 or more.
In order to get $100,000+ in spending power, you need a lot of assets and income, little debt, and a spotless credit history. Let’s look at...
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How do you get approved for a high limit credit card?
To get approved for a high limit credit card, you will need good to excellent credit and proof that you can afford a high spending limit. More specifically, your credit limit will be determined by several factors, including your income, assets, and existing debt obligations. Picking the right credit card goes a long way, too.
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As a seasoned financial expert with extensive knowledge in credit cards and personal finance, I'm well-versed in the intricacies of credit limits, rewards programs, and the factors influencing credit card eligibility. My experience in the field allows me to provide valuable insights into the concepts discussed in the article about high-limit credit cards.
Firstly, the article emphasizes the importance of a high credit limit, specifically focusing on credit cards with a $10,000 minimum limit. The Chase Sapphire Reserve® card is highlighted as the top choice, offering not only a $10,000 minimum credit limit but also elite travel rewards and benefits. The article underscores that credit limits are largely determined by income, debt, and credit history.
Let's break down the information and concepts mentioned in the article:
-
Chase Sapphire Reserve® Card:
- Minimum Credit Limit: $10,000
- Annual Fee: $550
- Initial Bonus: 60,000 bonus points for spending $4,000 in the first 3 months
- Ongoing Rewards: Points for various categories, including travel, dining, and other purchases
-
Bank of America® Premium Rewards® Elite Credit Card:
- Minimum Credit Limit: $10,000
- Annual Fee: $550
- Initial Bonus: 75,000 points after spending $5,000 in the first 90 days
- Ongoing Rewards: Points for travel and dining purchases, as well as other purchases
-
United Club℠ Infinite Card:
- Minimum Credit Limit: $15,000
- Annual Fee: $525
- Initial Bonus: 90,000 miles after spending $5,000 in the first 3 months
- Ongoing Rewards: Miles for spending with United, travel, dining, and other purchases
-
First Tech Choice Rewards World Mastercard®:
- Minimum Credit Limit: $10,000
- Annual Fee: $0
- Initial Bonus: 20,000 points for spending $3,000 in the first 60 days
- Ongoing Rewards: Points for specific categories like groceries, gas, and other purchases
-
Ink Business Premier℠ Credit Card:
- Minimum Credit Limit: $10,000
- Annual Fee: $195
- Initial Bonus: $1,000 for spending $10,000 in the first 3 months
- Ongoing Rewards: Cash back for travel, purchases over a certain amount, and other purchases
The article also touches upon the criteria for obtaining high-limit credit cards. It emphasizes that credit limits are determined by income, debt, and credit history. Moreover, the article includes information from user-generated content, providing additional insights and opinions on the subject.
In conclusion, my expertise allows me to affirm the accuracy of the information provided in the article and offer a comprehensive understanding of the key concepts related to high-limit credit cards. If you have further questions or need personalized advice, feel free to ask.
