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Best High Limit Credit Cards: Reviewed by Experts December 2024

Review Updated
Lyle Daly
Author: Lyle Daly
Lyle Daly
Lyle Daly
Writer

Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. His work with Motley Fool Money and The Motley Fool has appeared syndicated in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.

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| 2 others [ + ]
Matt Frankel, CFP®
Reviewer: Matt Frankel, CFP®
Matt Frankel, CFP®
Matt Frankel, CFP®
Writer, Analyst

Matt is a Certified Financial Planner™ and investment advisor based in Columbia, South Carolina. He writes personal finance and investment advice for Motley Fool Money and its parent company The Motley Fool, with more than 4,500 published articles and a 2017 SABEW Best in Business award. Matt writes a weekly investment column for the Motley Fool ("Ask a Fool") that is syndicated in USA Today, and his work with Motley Fool Money has also been syndicated to MSN and Yahoo! Finance. He has been regularly featured on Fox Business and many other major outlets. He’s a graduate of the University of South Carolina and Nova Southeastern University, and holds a graduate certificate in financial planning from Florida State University.

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Nathan Alderman
Fact Checked: Nathan Alderman
Nathan Alderman
Nathan Alderman
Fact checker

Nathan Alderman has been a full-time Motley Fool employee since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

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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 that our product ratings are not influenced by compensation. Terms may apply to offers listed on this page.

High limit credit 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.

We've evaluated over 260 credit cards to find the picks below, including the top high limit cards for individuals and business owners.

  • Our team of experts reviewed over 260 credit cards
  • We evaluate all credit cards across the same 4 key criteria: value, welcome experience, fees, and perks
  • Our credit card ratings are never influenced by our advertising partners
  • If we wouldn't recommend an offer to a close family member, we won't recommend it to you

Our best high limit credit cards picks
Show The List [+] Hide The List [-]

Ratings Methodology

Capital One Venture X Rewards Credit Card

Great for: Premium travel

Apply Now for Capital One Venture X Rewards Credit Card

On Capital One's Secure Website.

Rates & Fees External Link Icon

Capital One Venture X Rewards Credit 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: Excellent (740-850)
Apply Now for Capital One Venture X Rewards Credit Card

On Capital One's Secure Website.

Rates & Fees External Link Icon

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% - 29.49% (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 and vacation rentals 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

  • The Capital One Venture X Rewards Credit Card is a favorite among our experts thanks to benefits that easily offset the $395 annual fee — an easy-to-use $300 annual travel credit, 10,000-mile bonus every anniversary (worth $100), huge welcome bonus (worth $750), unlimited 2X miles on every purchase, and up to 10X miles on eligible travel. Pile on access to a global airport lounge network, Global Entry/TSA Pre✓® reimbursement, and experience credits to get you where you want to go in comfort. Read Full Review

    • Big travel rewards bonus
    • High rewards rate
    • Travel credits
    • Easy-to-use miles
    • Annual fee
    • Other card issuers have more valuable travel rewards
    • 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 and vacation rentals booked through Capital One Travel
    • Earn unlimited 2X miles on all other purchases
    • Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations 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
    • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
    • Receive up to a $120 credit for Global Entry or TSA PreCheck®
Award Icon 2025 Award Winner

Chase Sapphire Preferred® Card

Great for: Travel rewards

Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

Chase Sapphire Preferred® Card
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
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)
Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

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

20.74% - 27.74% Variable

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

5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases

Annual Fee

$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.

60,000 bonus points

  • Bonus travel and dining rewards, along with an annual $50 hotel credit, make this card worth the (very reasonable) annual fee. Chase points are both valuable and easy to use, offering 25% more value for bookings through Chase Travel, which simplifies the experience compared to other travel cards. Not to mention it provides robust travel protections, including primary rental car insurance, trip delay reimbursement, lost luggage reimbursement, and trip cancellation/interruption insurance. 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.
    • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. 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, 2027.
    • Member FDIC
Award Icon 2025 Award Winner

Chase Freedom Unlimited®

Great for: Unlimited cash back program

Apply Now for Chase Freedom Unlimited®

On Chase's Secure Website.

Chase Freedom Unlimited®
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
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)
Apply Now for Chase Freedom Unlimited®

On Chase's Secure Website.

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

19.74% - 28.49% 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

$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

  • A cash back card that has it all with unlimited 1.5% - 5% cash back rates and an excellent 0% intro APR offer. There's also an innovative sign-up bonus worth up to $300 cash back. With the bonus, you’ll earn 4.5% cash back on dining and drugstores, 6.5% on travel booked through Chase Travel, 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
    • Limited bonus opportunities on everyday spending
    • 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 19.74% - 28.49%.
    • 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

Ink Business Unlimited® Credit Card

Great for: Small business card

Apply Now for Ink Business Unlimited® Credit Card

On Chase's Secure Website.

Ink Business Unlimited® Credit 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)
Apply Now for Ink Business Unlimited® Credit Card

On Chase's Secure Website.

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

17.74% - 23.74% 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

$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 card is a cost-effective option for businesses of all sizes. There is no annual fee, yet offers an attractive $750 welcome bonus & unlimited 1.5% cash back on every purchase — that is a straightforward way to earn cash back on everyday business expenses. Plus, you can add employees cards for no extra cost. No wonder it's one of the most popular business cards we've reviewed. 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
Award Icon 2025 Award Winner

Ink Business Preferred® Credit Card

Great for: Business travel rewards

Apply Now for Ink Business Preferred® Credit Card

On Chase's Secure Website.

Ink Business Preferred® Credit 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)
Apply Now for Ink Business Preferred® Credit Card

On Chase's Secure Website.

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

20.49% - 26.49% 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. Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Earn 90,000 bonus points

  • This card offers excellent earning potential for businesses looking to earn valuable rewards on everyday expenses. You’ll earn 3X points on travel, shipping, and advertising purchases (up to $150,000 per year), making it a great fit for businesses that invest in growth. With an impressive 90,000-point welcome bonus and access to the Chase Ultimate Rewards® ecosystem, this card helps you maximize rewards. Plus, we like that points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®, further boosting the card’s value. 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 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 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

Chase Freedom Flex®

Great for: No annual fee

Apply Now for Chase Freedom Flex®

On Chase's Secure Website.

Chase Freedom Flex®
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
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)
Apply Now for Chase Freedom Flex®

On Chase's Secure Website.

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, 15 months

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

Regular APR

19.74% - 28.49% 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 Travel℠, 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

  • This Chase card is one of our favorites, and with good reason. You earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, alongside other standout perks (and at least 1% on all purchases). Plus, this one comes without an annual fee and with a generous welcome 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 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 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 19.74%-28.49%.
    • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex® 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

Chase Sapphire Reserve®

Great for: Luxury benefits

Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Chase Sapphire Reserve®
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 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

21.74% - 28.74% 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

$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.

60,000 bonus points

  • All the perks we've come to expect from a top travel card, including a $300 annual travel credit, airport lounge access, and big bonuses on travel and dining. Points are transferable to airline and hotel partners or worth 50% more if you book through Chase Travel. The annual fee is hefty, but if you can use all its features, this card could be well worth the cost. Read Full Review

    • Travel credits
    • Airport lounge access
    • Travel and dining rewards
    • Welcome offer
    • Flexible travel points
    • Annual fee
    • Limited-time benefits
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
    • $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 $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
    • Member FDIC

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

Great for: Limited credit history

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

18.24 - 32.24% Variable

  • If you need to build credit, pay attention to this card. You qualify based on bank information, rather than credit, and there are no fees of any kind. Best of all, if you pay your monthly bill on time every time, your cash back rate will grow from 1% to 1.5% on purchases over your first year.

    • For rebuilding credit
    • No credit history required
    • Competitive cash back rewards
    • No fees
    • Fixed payment due date
    • No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
    • Up to 1.5% cash back on unlimited everyday purchases (1% right away increases to 1.25% after 6 monthly on time payments and 1.5% after another 6 monthly on time payments)
    • 2-10% cash back at select local and national merchants
    • See if you’re pre-approved in minutes without impacting your credit score
    • No Credit Score? No problem. Credit history isn’t required for approval
    • Get an automatic credit limit increase after 6 qualifying on time monthly payments. Terms apply
    • No security deposit required
    • Petal reports to all 3 major credit bureaus
    • Pay with ease with a contactless card or on your phone using Apple Pay, Google Pay, or Samsung Pay
    • Card issued by WebBank

  • At Motley Fool Money, we rate high limit credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria Includes credit limits, welcome offers, and annual fees.

    Our highest-rated high limit credit cards have:

    • Credit limits reported in cardholder terms and conditions
    • Third-party cardholder credit limit reports
    • Rewards, welcome offers, annual fees, and perks we believe bring the most value to users

    We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best high limit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring high limit credit cards from reputable brands.

    Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

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 $10,000 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.

Reviews of our top high limit credit cards for individuals

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

Capital One Venture X Rewards Credit Card

Leveraging the high credit limit:

  • Estimated credit limit range: Undisclosed
  • Welcome offer: Lucrative $750 bonus miles for eligible cardholders
  • Travel rewards with high limit spending:
    • Multiple bonus categories with 5x to 10x miles
    • Unlimited 2x miles on other purchases

What you should know:

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 Sapphire Preferred® Card

Leveraging the high credit limit:

  • Estimated credit limit range: $5,000-$50,000 based on cardholder reviews and our personal experience
  • Welcome offer: 60,000 bonus points (worth up to $750 in Chase Travel℠ value toward Chase Travel bookings) for eligible cardholders
  • 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.

What you should know:

The terms and conditions state that the minimum credit limit for this card is $5,000. They don't specify a maximum, but reports show that it's possible to get a very high limit for the Chase Sapphire Preferred® Card.

Apply for Chase Sapphire Preferred® Card

Chase Freedom Unlimited®

Leveraging the high credit limit:

  • Estimated credit limit range: $500-$15,000
  • Welcome offer: 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.
  • Cash back rewards with a high credit limit
    • Multiple cash back bonus categories (including Chase Travel bookings, dining, and drugstores)
    • Unlimited 1.5% on other purchases
    • Cash back rewards do not expire as long as your account is open

What you should know:

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 Freedom Flex®

Leveraging the high credit limit:

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

What you should know:

This is our award winner for Best No Annual Fee Credit Card. Boasting a 0% intro APR for 15 months on purchases and balance transfers, this cash back card is well-suited for high limit spending, without having to pay back your balance immediately.

The terms and conditions provide a minimum starting credit line of $500. Total balance transfer requests can't exceed available credit or $15,000, whichever is lower. But we've gotten reports of credit limits up to $24,000.

Apply for Chase Freedom Flex®

Chase Sapphire Reserve®

Leveraging the high credit limit:

  • Estimated credit limit range: $10,000-$80,000
  • Welcome offer: 60,000 bonus points (worth $900 toward Chase Travel bookings) 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

What you should know:

The pricing and terms of this Chase card lay out a minimum credit line of $10,000. 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®

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

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 having a high limit can help you maintain lower credit utilization.
  • Cash back rewards with a high credit limit:
    • Earn up to 1.5% on purchases
    • Earn bonus rates of 2% to 10% at select merchants

What you should know:

The Petal website used to provide credit limits for each of its credit cards. When it did, the range for this Petal card was $300 to $10,000. Petal has removed that information, but it still lists a maximum limit of $10,000 elsewhere on its site.

Through the card issuer's Leap program, you can earn a credit limit increase after six months of qualifying on-time payments. Terms apply.

Reviews of our top high limit credit cards for businesses

Ink Business Unlimited® Credit Card

Leveraging the high credit limit:

  • Estimated credit limit range: $3,000-$25,000
  • Welcome offer: Large $750 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

What you should know:

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

Leveraging the high credit limit:

  • Estimated credit limit range: $5,000-$25,000
  • Welcome offers: Massive sign-up bonus of 90,000 points for eligible cardholders
  • Business rewards points with a high limit:
    • 3X points in several business spending categories
    • 1X points per $1 on other purchases
    • Points do not expire as long as the account is open

What you should know:

This Chase business card 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 qualifying for a higher limit 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

By understanding how high limit credit cards work, you can decide if you need this type of card and figure out how to pick the right one. The best high limit credit cards are useful for making large purchases without running out of room on your card. But this type of card can backfire if you use your high limit to run up a large balance.

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?

Compare the best 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
Graphic of Capital One Venture X Rewards Credit 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.
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Premium travel
Award Icon 2025 Award Winner
Graphic of Chase Sapphire Preferred® Card
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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Travel rewards
Award Icon 2025 Award Winner
Graphic of Chase Freedom Unlimited®
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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Unlimited cash back program
Graphic of Ink Business Unlimited® Credit 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.
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Small business card
Award Icon 2025 Award Winner
Graphic of Ink Business Preferred® Credit 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.
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Business travel rewards
Graphic of Chase Freedom Flex®
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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No annual fee
Graphic of Chase Sapphire Reserve®
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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Luxury benefits
Graphic of Petal® 2 "Cash Back, No Fees" Visa® Credit Card
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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Limited credit history

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.

  • Some invitation-only credit cards for the ultra-wealthy are known for putting no limit on what the cardholder can spend. Among credit cards that are publicly available, the highest credit limits are generally in the $50,000-to-$100,000 range.

  • To get a higher credit limit, log in to your account or call the credit card issuer to request a credit limit increase. Credit card issuers are often happy to raise your credit limit, especially if you've had your card open for at least six months to a year and you've made all your payments on time. It also helps if your income or credit score has gone up since you got the card.

  • 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 your credit behavior, 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.

  • There's nothing wrong with having multiple high limit credit cards, but you'll need to be careful not to overspend. Since you'll have more credit, you'll also be able to go further into expensive credit card debt.

    Applying for multiple high limit credit cards at one time could also be a red flag to lenders and harm your credit score. A better approach is to space out credit card applications over time.

  • A credit limit of $5,000 to $10,0000 is generally considered good, although it depends on your credit score and financial situation. What's most important is that your credit limit meets your spending needs.

  • There isn't any one card that's known as the highest credit limit credit card. The credit limit depends more on the cardholder than the card itself.

    Invitation-only credit cards generally have the highest credit limits. Among cards that anyone can apply for, limits vary quite a bit. Here are two popular options known for high credit limits, one a premium travel 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 it's possible other cardholders have gotten even more.
    • U.S. Bank Secured Visa® Card: Secured credit cards also aren't usually cards with high limits, but this high limit credit card comes with a credit limit of $300 up to $5,000 (you'll need to put down a matching deposit).

  • 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.

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.