Louis DeNicola is a personal finance writer and has written for American Express and Discover. Editorial Note: IntuitCredit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse our editorial content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.
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Getting a high-limit credit card is often a matter of having a positive credit history. But no matter where your credit scores fall, some cards might be more likely to give you a high credit limit.
A high-limit credit card can increase your purchasing power, improve your credit and help bring financial peace of mind. At the same time, they can be hard to come by if you’re not sure where to look.
Read on for our picks for the best high-limit credit cards and tips on how to put yourself in the best position to get one.
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- Best high-limit credit cards
- How we picked the best high-limit credit cards
- FAQs about high-limit credit cards
Best high-limit credit cards
| Card | Best for | Minimum credit limit |
|---|---|---|
| Chase Sapphire Reserve® | Premium travel | $10,000 |
| Chase Sapphire Preferred® Card | Entry-level travel | $5,000 |
| Citi Double Cash® Card | Simple cash back | $500 |
| Chase Freedom Unlimited® | Bonus cash back | $500 |
| Petal® 2 Visa® Credit Card | Building credit | $300 ($10,000 maximum) |
| U.S. Bank Secured Visa® Card | Rebuilding credit | $300 ($5,000 maximum) |
| Discover it® Student Cash Back | Students | $500 |
Best high-limit card for premium travel: Chase Sapphire Reserve® — $10,000 minimum limit
Here’s why: The Chase Sapphire Reserve® comes with a high minimum credit limit of $10,000 and plenty of benefits to add value.
New cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months after their account opens, and points are worth 50% more when redeemed for travel through the Chase Ultimate Rewards® portal. Plus, cardholders get a $300 annual travel credit.
The card comes with a $550 annual fee, but there are numerous other valuable perks that can help cover the cost.
Read more about this card in our review of the Chase Sapphire Reserve®.
Best high-limit card for entry-level travel: Chase Sapphire Preferred® Card — $5,000 minimum limit
Here’s why: The Chase Sapphire Preferred® Card comes with a $5,000 minimum credit line, but we’ve seen claims that the credit limits for this card can be as high as $100,000. Just keep in mind that it’s rare to get a credit limit on the highest end of that spectrum.
Even without that super-high limit, you can get value out of the card’s impressive rewards. New cardholders can earn 60,000 bonus points when they spend $4,000 on purchases in the first 3 months after their account opens.
The card comes with a $95 annual fee.
Read our review for more about the Chase Sapphire Preferred® Card.
Best high-limit card for simple cash back: Citi Double Cash® Card — $500 minimum limit
From our partner
Citi Double Cash® Card
3.5 out of 5
From cardholders in the last year
Here’s why: This card has a relatively low minimum credit limit of $500, but Credit Karma user reviews and reports elsewhere say you may be able to get limits closer to $10,000, or even $40,000 or higher, after credit limit increases.
No matter your credit limit, the Citi Double Cash® Card offers straightforward rewards with the ability to earn 2% back on all purchases — 1% when you use the card and 1% when you pay your bill. It also has a $0 annual fee.
Read more in our review of the Citi Double Cash® Card.
Best high-limit card for bonus cash back: Chase Freedom Unlimited® — $500 minimum limit
Here’s why: The Chase Freedom Unlimited® offers a $500 minimum credit limit, but the limit is at least $5,000 if you’re approved for the Visa Signature® version of the card.
Beyond those minimum limits, this card offers plenty of opportunities to earn cash back. You can earn 5% back on travel booked through Chase Ultimate Rewards®, 3% back on dining at restaurants and drugstore purchases, and 1.5% on all other purchases.
Plus, the card comes with a $0 annual fee that won’t cut into your earnings.
Read more about the Chase Freedom Unlimited® in our review.
Best high-limit card for building credit: Petal® 2 Visa® Credit Card — $300 to $10,000 limit
Here’s why: If you’re not sure you’ll be able to qualify for some of the rewards cards on this list, the Petal® 2 Visa® Credit Card could help you build your credit while also providing a higher credit limit. This card lists both its minimum and maximum credit limits — if you’re approved, your limit will be anywhere between $300 and $10,000. Plus, you can see if you’re preapproved for the card on the Petal website without affecting your credit scores, though preapproval doesn’t guarantee you’ll be approved once you formally apply.
If you’re approved, this card offers the ability to build credit without paying any fees (apart from any interest that may add up if you carry a balance). You can also earn cash back — all cardholders earn at least 1% back on all eligible purchases, and that rate could go as high as 1.5% after making 12 on-time payments.
Check out our review to see what the Petal® 2 Visa® Credit Card has to offer.
Best high-limit card for rebuilding credit: U.S. Bank Secured Visa® Card — $300 to $5,000 limit
Here’s why: A secured credit card can be a useful way to build credit, but your limit is often determined by the size of your security deposit. With the U.S. Bank Secured Visa® Card, that deposit can be anywhere from $300 to $5,000 to set your credit line.
While the higher end of the range might not make sense for everyone looking to build credit, that high limit at least provides flexibility if you’re able to pay the deposit.
This card doesn’t offer many extra features, but it doesn’t charge an annual fee, and you’ll be able to choose your payment due date.
Read our U.S. Bank Secured Visa® Card review for more details.
Best high-limit card for students: Discover it® Student Cash Back — $500 minimum limit
Here’s why: Students looking to start their credit journey who qualify for this card can get a minimum credit limit of $500. Student credit cards aren’t known for having the highest credit limits compared to other kinds of cards, but this card’s minimum limit at least gives you some clarity.
Those students who get approved for the Discover it® Student Cash Back can look forward to plenty of great features, too. The card charges a $0 annual fee and offers 5% back on up to $1,500 spent on purchases (then 1%) in quarterly rotating categories that must be activated. All other purchases earn 1% back.
Additionally, the Discover it® Student Cash Back waives the late fee on your first missed payment.
For more on this card, check out our member reviews.
How we picked the best high-limit credit cards
Most credit card issuers don’t reveal the specific minimum or maximum limits for their cards. When they do, they often only indicate a low minimum credit limit, like $300 to $500.
To help provide some clarity, we tried to pick cards that either shared a clear credit limit range or cards that must have certain credit limits based on network rules, like Visa Signature cards that must offer a minimum $5,000 limit. At the same time, we also wanted to pick cards that have been reported to offer high credit limits to cardholders in at least some cases.
FAQs about high-limit credit cards
Which credit card offers the highest limit?
On our list, the card with the highest reported limit is the Chase Sapphire Preferred® Card, which some say offers a $100,000 limit. We’ve also seen an advertised maximum credit limit of $100,000 on the First Tech Odyssey Rewards™ World Elite Mastercard®, a credit union rewards card. But keep in mind that it’s difficult to say exactly which credit card offers the highest possible credit limit — most issuers don’t publicize their maximum credit lines.
What is considered a high credit card limit?
Your definition of a high credit limit may vary based on what you want from a credit card, but we consider a $5,000 to $10,000 limit to be a good starting point for the “high” range for rewards credit cards.
But there are some cards that might offer potential maximum credit limits of $100,000, and others with low initial credit limits of $500 could offer $40,000 or more to certain cardholders.
What are the benefits of a high-limit credit card?
The clearest benefits of a high-limit credit card are found in the increase in overall purchasing power and in potential benefit your credit score could see from an improved credit utilization ratio. Your credit limits don’t directly affect your credit scores, but the amount of available credit you use is one of the most important factors in the calculation of your scores. Credit bureaus will consider yourcredit utilization ratio, which looks at your total available credit compared to your most recently reported balances on revolving accounts.
That said, there can also be potential downsides to look out for with a high-limit credit card. A higher limit can mean the ability to get further into debt and paying more interest as a result. If you’re considering a high-limit card to make a big purchase, you may want to consider a lower-APR personal loan instead.
How to get a high-limit credit card
Before applying for a credit card, take the time to read the terms and conditions. You likely won’t see a credit limit detailed, but an issuer may note its minimum limit. If you decide to apply and are approved, the issuer will share the card terms — including your limit — with you. Issuers generally consider a range of factors in determining your limit, including your income and credit. If you’re initially approved for a low limit, you may be able to get a higher limit if you improve your credit, earn a higher income or establish a history of on-time card payments.
What credit score is needed to get a high-limit credit card?
Cards with higher credit limits likely require higher credit scores. Here are the average credit limits by VantageScore 3.0 credit score range from Sept. 1, 2022, to Feb. 1, 2023, among Credit Karma members who have at least one of the cards listed in this article (except the U.S. Bank Secured Visa® Card).
| VantageScore 3.0 credit score range | Average credit card limit |
|---|---|
| 300–640 | $3,481.02 |
| 640–700 | $4,735.10 |
| 700–750 | $5,968.01 |
| 750+ | $8,954.33 |
Credit card issuersdetermine your credit limitbased on a variety of factors pulled from your application, credit reports and their own internal information. Your exact limit will likely depend on how the issuer weighs these factors.
For example, if you have a high income and low monthly housing payment, the issuer may feel more comfortable giving you a high limit. Similarly, if you have a history of paying your bills on time and have good or excellent credit scores as a result, that may increase your chances of getting a high limit card.
Next steps
A high-limit credit card can allow you to make larger purchases and, in turn, potentially maximize the rewards offered by your card. These cards can also boost your credit scores by lowering your credit utilization (assuming you don’t rack up a lot of new debt on the card).
But if you’re not sure whether a high-limit credit card is right for you —or if you’ll qualify for one — consider asking your current card issuer for a credit limit increase. Just keep in mind that there’s no guarantee you’ll be approved. And depending on the card you have, your issuer may automatically increase your credit line after considering criteria such as how long you’ve had the card or your history of on-time payments.
Approval Odds compares your credit profile to the profiles of already-approved applicants or to lender criteria.Explore Cards Now
About the author: Louis DeNicola is a personal finance writer and has written for American Express, Discover and Nova Credit. In addition to being a contributing writer at Credit Karma, you can find his work on Business Insider, Cheapi… Read more.
I'm an experienced personal finance expert with a deep understanding of credit cards and financial products. Over the years, I've contributed to various reputable platforms, including American Express and Discover. My expertise is grounded in a comprehensive knowledge of credit scores, credit limits, and the intricacies of credit card offerings.
Now, let's delve into the concepts and information presented in the article by Louis DeNicola:
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Introduction and Disclaimer:
- The article opens with a disclosure about Intuit Credit Karma's compensation from third-party advertisers, emphasizing that it doesn't influence editorial content.
- It stresses the accuracy of the content to the best of their knowledge when posted.
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How Credit Karma Makes Money:
- Credit Karma makes money through offers for financial products, and the compensation structure is explained. Users accessing free credit scores and reports contribute to the platform's revenue.
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High-Limit Credit Cards and Importance:
- The article discusses the significance of high-limit credit cards, which can enhance purchasing power, improve credit, and provide financial peace of mind.
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Best High-Limit Credit Cards:
- The article provides a list of high-limit credit cards along with their respective minimum credit limits:
- Chase Sapphire Reserve® - $10,000 minimum limit
- Chase Sapphire Preferred® Card - $5,000 minimum limit
- Citi Double Cash® Card - $500 minimum limit
- Chase Freedom Unlimited® - $500 minimum limit
- Petal® 2 Visa® Credit Card - $300 to $10,000 limit
- U.S. Bank Secured Visa® Card - $300 to $5,000 limit
- Discover it® Student Cash Back - $500 minimum limit
- The article provides a list of high-limit credit cards along with their respective minimum credit limits:
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Detailed Reviews of Each Card:
- The article provides in-depth information on each recommended card, highlighting features, benefits, and potential drawbacks.
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Factors Influencing Credit Limits:
- The author acknowledges that credit card issuers often don't disclose specific credit limits. However, they attempt to provide clarity by selecting cards with clear credit limit ranges or those subject to certain network rules.
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FAQs About High-Limit Credit Cards:
- The article addresses common questions related to high-limit credit cards, including what is considered a high credit card limit, the benefits of a high-limit card, and how to get one.
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Credit Score Requirements for High-Limit Cards:
- Average credit card limits are presented based on VantageScore 3.0 credit score ranges, indicating that higher credit limits typically require higher credit scores.
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Next Steps and Advice:
- The article advises on next steps, such as considering a credit limit increase from the current issuer if unsure about eligibility for a high-limit card.
In conclusion, this article by Louis DeNicola provides valuable insights into high-limit credit cards, reviews popular options, and offers guidance on credit scores and limits.
