Best High Limit Credit Cards in 2025
Best credit card with a high limit
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Best credit card with a high limit
Chase Sapphire Reserve®
The Chase Sapphire Reserve® is the best high-limit credit card, as it offers a high minimum limit of $10,000, along with a stellar earning rate, sign-up bonus and luxury travel benefits.
Key takeaways
- The definition of a high credit limit depends on your credit band. For poor and limited credit, $2,000 may be a generous starting limit. If you have good or excellent credit, you may be able to get larger limits of $20,000 to $40,000.
- Having a credit card with a high limit gives you more spending power, and it can help you keep your credit utilization ratio low.
- Our picks for high credit limit cards have a reputation for offering limits on the high end, though there’s no guarantee you’ll get a high limit with any card.
- LendingTree data shows that American Express, Bank of America and Wells Fargo offer the highest starting credit limits on average.
Best high-credit-limit credit cards
- (Winner) Best high-limit credit card overall: Chase Sapphire Reserve®
- Best high-limit card for good credit: Capital One Venture X Rewards Credit Card
- Best high-limit card for luxury card users: The Platinum Card® from American Express
- Best business credit card with high limit: The Blue Business® Plus Credit Card from American Express
- Best balance transfer credit card with a high limit: BankAmericard® credit card
- Best high-limit card for cash back*: Blue Cash Preferred® Card from American Express
- Best high-limit credit card with no annual fee: Chase Freedom Unlimited®
- Best secured credit card with a high limit: U.S. Bank Cash+ Visa Secured Card
- Best easy approval high-limit credit card: Secured Chime Credit Builder Visa® Credit Card
- Best credit card with a high limit for fair credit: Petal® 2 Cash Back, No Fees Visa® Credit Card
10 best high-credit-limit cards
| Credit Cards | Our Ratings | Credit Limit | Annual Fee | Rewards Rate | |
|---|---|---|---|---|---|
Chase Sapphire Reserve®
Apply Now
on Chase's secure site Rates & Fees |
Winner / excellent credit
|
Starting at $10,000 | $795 | 1X - 8X points
|
Apply Now
on Chase's secure site Rates & Fees |
Capital One Venture X Rewards Credit Card
|
Best high-limit card for good credit
|
Not officially disclosed | $395 | 2X - 10X miles
| |
The Platinum Card® from American Express
|
Good credit
|
No preset spending limit. The amount you can spend adapts based on factors such as your purchase, payment and credit history. | $695 | 5X points
| |
The Blue Business® Plus Credit Card from American Express
|
Best business credit card with high limit
|
Potential for no preset spending limit. The amount you can spend adapts based on factors such as your purchase, payment and credit history. | No annual fee | 1X - 2X points
| |
BankAmericard® credit card*
|
Best balance transfer credit card with a high limit
|
Not officially disclosed | $0 | N/A | |
Blue Cash Preferred® Card from American Express
|
Best high-limit card for cash back*
|
Not officially disclosed | $0 intro annual fee for the first year, then $95. | 1% - 6% cash back
| |
Chase Freedom Unlimited®
Apply Now
on Chase's secure site Rates & Fees |
No annual fee
|
Starting at $500 or $5,000 | $0 | 1.5% - 5% cash back
|
Apply Now
on Chase's secure site Rates & Fees |
U.S. Bank Cash+ Visa Secured Card*
|
Secured card
|
$300 to $5,000 | $0 | 1% - 5% cash back
| |
Secured Chime Credit Builder Visa® Credit Card
Apply Now
on The Bancorp Bank's secure site |
Easy approval
|
Transfer any amount from your Chime checking account, which will serve as your line of credit. | $0 | N/A |
Apply Now
on The Bancorp Bank's secure site |
Petal® 2 Cash Back, No Fees Visa® Credit Card*
|
Fair credit
|
Up to $10,000 | $0 | 1% - 10% cash back
|
Methodology: How we chose the best high-credit-limit credit cards
To bring you the list of high-limit credit cards, we use an objective rating and ranking system that compares features across a large set of credit cards (over 200 of them from over 50 issuers). We use calculations to estimate the value of each card for the average cardholder, based on LendingTree and U.S. Bureau of Labor Statistics data.
For high-limit credit cards specifically, we’ve selected cards that offer the possibility of receiving a high credit limit. We considered features like rewards programs, 0% intro APR, regular APR and benefits. Each of the cards on this list excel for certain types of financial needs. Many of the cards on this list charge no annual fee. At the same time, those that do charge an annual fee offer enough value through rewards and benefits to be worth it.
Best credit card with high limit
Chase Sapphire Reserve®
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Credit limit: Starting at $10,000
- Welcome offer: 100,000 points Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
- Transfer points to 10-plus loyalty programs
- $1,000+ worth of credits, including a $300 travel credit
- Airport lounge access
- Excellent travel insurance
- $795 annual fee
- $195 authorized user fee per year
- Excellent credit recommended
The Chase Sapphire Reserve® is a Visa Infinite card, which means its minimum credit limit is $10,000. This is a very high starting base for a credit limit, which you’re likely to exceed if you have excellent credit.
The card is best for frequent travelers who take advantage of benefits, like a Global Entry, NEXUS or TSA PreCheck fee credit and airport lounge access. That said, you should only get it if you travel enough and use the benefits fully to make up for the $795 annual fee. If you’re looking for a similar card with a high credit limit and a lower annual fee, you should check out the Chase Sapphire Preferred® Card (see rates & fees).
What do Reddit users say?
“On Chase Sapphire Reserve®, my limit is $80K.”
- Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
- Get more than $2,700 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music - all the music you love, across all your devices. Subscriptions run through 6/22/27 - a value of $250 annually
- Member FDIC
Best high-limit card for good credit
Capital One Venture X Rewards Credit Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Credit limit: Not officially disclosed
- Welcome offer: 75,000 miles 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
- Miles transfer to airlines and hotels
- $300 annual credit for travel through Capital One’s travel website
- Priority Pass lounge access
- Global Entry or TSA PreCheck® credit
- $395 annual fee
- Excellent credit recommended
- Limited bonus rewards categories
While Capital One has a reputation for offering lower credit limits on its cards, the Capital One Venture X Rewards Credit Card may be an exception. It’s a Visa Infinite credit card — Visa Infinite cards typically have a starting limit of $10,000, and some Capital One Venture X Rewards Credit Card cardholders report limits as high as $100,000. You’ll pay a more reasonable annual fee compared to other premium travel credit cards and get excellent travel perks in return, including Priority Pass lounge access and an annual $300 credit for travel purchased through Capital One’s travel portal.
You’ll also earn miles at a high rate that you can transfer to an array of airline and hotel partners.
What do Reddit users say?
“I have 75k — when I asked for a credit increase, they told me 75k is the highest. I heard people have 100k, but I haven’t verified it.”
- 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 access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
- 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®
Best high-limit card for luxury card users
The Platinum Card® from American Express
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Credit limit: Potential for no preset spending limit — spending limit is flexible and depends on factors such as your purchase, payment and credit history
- Welcome offer: As high as 175,000 points You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- Over $1,000 in travel and shopping credits (enrollment required)
- Access to the world’s largest airport lounge network
- Hotel elite status (enrollment required)
- Transfer points to 20 travel programs
- $695 annual fee
- Low rewards rate on non-travel purchases
- Annual credits can be difficult to use
The Platinum Card® from American Express is an excellent option if you’re looking for a card with no preset spending limit and plenty of travel perks. The amount you can spend adapts based on factors such as your purchase, payment and credit history.
It’s best for travelers who take advantage of luxury benefits, like hotel elite status (enrollment required) and airport lounge access for eligible card members. But because of its large $695 annual fee, it’s not the best fit for people who only travel occasionally.
What do Reddit users say?
“I have a $750k limit, but they’ve let me go up to $1.4 million.”
- You may be eligible for as high as 175,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel® up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel®.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney+ bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
- Enjoy the benefits of the Global Lounge Collection, with over $500 of annual value if you visit Centurion Lounges and each of our partner lounges including Delta Sky Club® lounges when flying an eligible Delta flight (subject to visit limitations) , select Lufthansa lounges when flying Lufthansa, Plaza Premium lounges and Escape Lounges, and enroll in Priority Pass Select. See terms.
- A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free Shipping excludes most Marketplace items, freight & certain location surcharges. Paramount+ Essential plan only, separate registration required.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
- $200 Uber Cash: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
- $199 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. Receive up to $199 in statement credits per calendar year after you pay for your CLEAR Plus Membership (subject to auto-renewal) with the Platinum Card®.
- Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
- Use Global Dining Access by Resy to access premium dining experiences. Receive Priority Notify and unlock insider access to some of the world's most sought-after restaurants with Global Dining Access by Resy. Download the Resy iOS app or log into Resy.com and add your Platinum Card® to your Resy profile to take advantage of your special benefits and discover restaurants near you.
- $695 annual fee.
- Terms Apply.
Best business credit card with a high limit
The Blue Business® Plus Credit Card from American Express
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Credit limit: Potential for no preset spending limit — spending limit is flexible and depends on factors such as your purchase, payment and credit history
- Welcome offer: 15,000 points Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- No annual fee
- Earns American Express Membership Rewards points
- 2X points on first $50,000 in purchases annually
- Intro APR offer for purchases
- Earns just 1X points after spending threshold is met
- Low welcome offer
The Blue Business® Plus Credit Card from American Express is the best business credit card with a high limit, thanks to its potential for expanded buying power and the fact that it has no annual fee. New cardholders can also get an intro APR offer for purchases, and they can earn flexible Amex Membership Rewards points for travel.
You’ll earn points at a high rate on every purchase, though business owners with a big budget beware: You’ll only get 1X point after the first $50,000 in purchases in a year.
What do Reddit users say?
“I spend anywhere from $3k to $30k a month, so I’d consider anything under ~$75k a tad low…my highest limit is $75k on The Blue Business® Plus Credit Card from American Express.”
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
Best balance transfer credit card with a high limit
BankAmericard® credit card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Credit limit: Not officially disclosed
- Lengthy intro APR offer for purchases and balance transfers
- $0 annual fee
- Introductory balance transfer fee
- No penalty APR for late payments
- No rewards for spending
- No meaningful cardholder benefits
While Bank of America doesn’t list a minimum credit limit for the BankAmericard® credit card, anecdotal evidence suggests it can be on the high side. This card can also be an excellent option for balance transfers due to its lengthy intro APR offer, $0 annual fee and introductory balance transfer fee.
The card doesn’t come with many other benefits, but members do get free FICO score access on their credit card statement.
What do Reddit users say?
“My wife and I just applied separately for the Citi Simplicity® Card to take advantage of the balance transfer offer too. We have 800+ scores and a combined income of $152,000. We both got a $7,000 limit. We then each applied for the BankAmericard® credit card. Same balance transfer offer. We both got a $19,000 limit.”
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, a 15.24% - 25.24% Variable APR will apply. A 3% intro fee for 60 days, then 4% applies to all balance transfers.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Best high-limit card for cash back*
Blue Cash Preferred® Card from American Express
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Credit limit: Not officially disclosed
- Welcome offer: $250 statement credit Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
- One of the highest rewards rates on U.S. supermarket purchases
- Intro APR offer for purchases
- Comes with Disney bundle credit (enrollment required)
- Annual fee
- Limited redemption options
The Blue Cash Preferred® Card from American Express is an excellent cash back* rewards card that’s reported to offer high credit limits to some cardholders. You’ll earn some of the highest rewards rates around on categories like U.S. supermarkets and U.S. gas stations. You’ll also get a credit up to $84 each year (up to $7 monthly) when you spend $9.99 or more each month on an auto-renewing Disney Bundle subscription*. These benefits can easily outmatch the annual fee.
What do Reddit users say?
“I got a Blue Cash Preferred® Card from American Express a couple years ago with…a $31k limit. I don’t recall what my income was at the time, somewhere around $150k/yr. Credit score ~800 at the time. IME, Amex writes higher limits than other card brands.”
- Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments with a fixed fee. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 20.24% - 29.24%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred® Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Best high-limit credit card with no annual fee
Chase Freedom Unlimited®
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Credit limit: Starting at $500 or $5,000
- Welcome offer: $200 cash back Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- $0 annual fee
- Long intro APR on purchases and balance transfers
- High cash back earning rate
- Transfer points to premium Chase Ultimate Rewards® cards
- Points are flexible and easy to redeem
- Foreign transaction fees
- Good / Excellent credit recommended
The Chase Freedom Unlimited® offers a solid minimum credit limit of $5,000, if your credit is good enough to qualify for the Visa Signature version of the card. (If you’re approved for a Visa Platinum, your minimum credit limit is $500.)
It’s one of the highest-earning cash back credit cards and comes with a $0 annual fee. Points are flexible and easy to redeem. Plus, if you have multiple Chase Ultimate Rewards® credit cards, you can potentially get more value by transferring points between them and using them to book travel through Chase TravelSM.
What do Reddit users say?
“Just applied for the Chase Freedom Unlimited® with a 750 credit score, 2nd credit card. Was approved immediately online and went on to make an account, with a credit limit of $5,000.”
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- 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.
- 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 18.99% - 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
Best secured credit card with a high limit
U.S. Bank Cash+ Visa Secured Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Credit limit: $300 to $5,000
- $0 annual fee
- Earns cash back rewards
- Choose your payment due date
- Security deposit required
- No sign-up bonus
The U.S. Bank Cash+ Visa Secured Card is best for people with limited / poor credit, particularly ones who have a larger number of expenses and need a more flexible credit card to accommodate them. It has a maximum credit limit of $5,000 (based on the amount that you deposit) — higher than many other secured credit cards.
On top of its high credit limit for a secured credit card, it also offers cash back on a wide range of everyday expenses, including fast food, home utilities, department stores and streaming services.
- 5% cash back on the first $2,000 of purchases each quarter in two categories of your choosing.
- 2% cash back on purchases in the category of your choice.
- 1% back on other purchases.
- No annual fee.
Best easy approval high-limit credit card
Secured Chime Credit Builder Visa® Credit Card
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here. Apply Now
Credit limit: Transfer any amount from your Chime checking account, which will serve as your line of credit.
- No credit check
- $0 annual fee
- Reports to the three major credit bureaus
- No preset credit limit
- No interest
- Chime account required
- No rewards
- No path to upgrade to an unsecured card
- Doesn’t operate like a regular credit card
The Secured Chime Credit Builder Visa® Credit Card doesn’t have a preset credit limit. Instead, you can deposit any amount from an existing Chime checking account to your Chime credit builder account to give yourself a high credit limit.
This card is easy to get approved for, since there’s no credit check. All you need is a Chime checking account and a qualifying direct deposit of $200 or more. It’s a great option for building or repairing credit.
What do Reddit users say?
“With the Secured Chime Credit Builder Visa® Credit Card, you add money to the credit builder account. Add as much as you can and maybe put some requiring monthly charges on there.”
- No annual fees or interest,* no credit check to apply, and no minimum security deposit required3
- Help increase credit score by an average of 30 points1
- View and track your FICO® Score right in the Chime app. FICO Scores are used by 90% of top lenders
- Use everywhere VISA is accepted on everyday purchases, such as gas and groceries, and have these purchases count towards building credit via on-time payments
- Build credit history with your own money - your direct deposit sets how much you could spend, spend up to that amount, and have your monthly balance automatically paid with your direct deposit.
- Instant disable card in-app and real-time transaction alerts to prevent fraudulent activities, 24/7 support to assist you around the clock.
- Interest and fee-free˜ cash withdrawals at 60K+ ATMs at retailers like Walgreens, CVS, and more.
- Apply for a Secured Chime Credit Builder Visa® Credit Card once you sign up for a Chime Checking Account2. See www.chime.com to learn more.
- Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A. The secured Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
- *No interest: Out of network ATM withdrawal fees may apply. See here for details.1 Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.2 To apply for Credit Builder, you must have an active Chime® Checking Account.3 Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.ATM Disclosure: Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
Best credit card with a high limit for fair credit
Petal® 2 Cash Back, No Fees Visa® Credit Card*
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Credit limit: Up to $10,000
- Potentially high credit limit
- No credit history required to apply
- No fees
- Rewards program
- Builds credit history
- No sign-up bonus
- No intro APR
The Petal® 2 Cash Back, No Fees Visa® Credit Card is one of the best options for beginning credit users who want the potential for a higher credit limit. Instead of setting limits based on credit history and credit score only, eligibility is also determined through a “Cash Score” based on factors like transaction history, income, bills paid and money spent. If you’re approved, there’s a potential for a high credit limit up to $10,000.
This card comes with no fees and a rewards program. Plus, it reports to the three credit bureaus, making it a great credit-building option.
What do Reddit users say?
“My daughter was just approved for this card. She turned 18 in December and was declined by our bank for a standard credit card. I heard about the Petal® 2 Cash Back, No Fees Visa® Credit Card on the Clark Howard podcast and encouraged her to apply since I was NOT eager to co-sign on a credit card for her. I agree with other comments that this is a very good starter card. She was approved with a $1,500 credit line with a very high interest rate above 21%.”
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Variable APRs range from 28.99% - 30.99%
- 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
What is a high credit limit?
The definition of a high credit card limit can depend on how much credit history you have, and on where your credit score and income fall at the moment. Those with higher incomes and credit scores tend to qualify for more generous credit limits, whereas individuals just starting to build credit qualify for credit limits on the lower end.
- Cardholders with lower credit scores:
Individuals with poor or fair credit may qualify for starting credit limits as low as $200 to $300 at first. LendingTree finds that the average starting limit for cardholders with poor credit (scores below 600) falls below $2,000 — anything above this is relatively high. One user on Reddit recently said the following: “For your first credit card, it’s quite unlikely that you’d get 5K right away. Credit isn’t something you can rush, so the limit you get is the limit you get.” - Cardholders with good or excellent credit:
Credit cards geared to consumers with good or excellent credit tend to come with starting limits of around $500 to $10,000, although some users report having limits as high as $20,000 to $40,000. - High-income cardholders and business owners:
Big spenders and small business owners who use credit can be granted even more generous credit limits that could be as high as $100,000 or even $1 million. One consumer on Reddit recently said: “I have a Capital One Venture X Rewards Credit Card with a 119k limit. So definitely possible.”
What is the average credit card limit?
LendingTree found $6,123 to be the average starting limit for a credit card in a recent study. However, the average limit varies a lot across credit ranges. The average starting limit for someone with a score under 520 was $1,274, while the average for cardholders with scores of 760 and up was $13,866.
| Credit score | Average starting limit |
|---|---|
| 760 and Up | $13,866 |
| 720 - 749 | $9,260 |
| 680 -719 | $6,014 |
| 640 - 679 | $4,410 |
| 600 - 639 | $2,796 |
| 560 - 599 | $1,734 |
| 520 - 559 | $1,311 |
| Under 520 | $1,274 |
| All Scores | $6,123 |
→ See the average credit limit for your metro area
Is it good to have a high credit limit?
While having a high credit limit can be good for your credit score and give you more purchasing power overall, there are potential pitfalls. For example, having more available credit makes it easy to overspend.
Pros
- Easier to maintain a lower credit utilization ratio, which can increase your credit score
- More spending power
- Increased available credit for emergencies
Cons
- Makes it easier to overspend and rack up long-term debt
- May impact your ability to qualify for other credit cards
How do credit card companies determine your credit limit?
Credit card issuers all have their own processes for determining credit limits. They may consider the following criteria:
- Your credit profile: Card issuers consider your current and past credit history when assigning credit limits. This includes how long you have been using credit and your history of making on-time payments.
- Your income: If you have a high income, your card issuer may be willing to give you more credit.
- Your debt-to-income ratio: If your current monthly debts exceed 36% of your monthly income, card issuers may be inclined to assign you a lower credit limit.
- Your relationship with the issuer: You have the potential to qualify for a higher credit limit on a card if you have a long and positive relationship with the card issuer.
- Annual fee on a card: Credit cards with the highest annual fees tend to come with higher starting credit limits.
- The current economic environment: Card issuers may offer higher credit limits if the economy is going well, whereas they may be more stingy during tough economic times.
High credit limit vs. no preset limit
Which bank gives the highest credit limit?
A LendingTree study of credit card limits shows that certain major issuers tend to be much more generous with credit limits than others. American Express offers the highest overall average starting credit limit — $12,177 — followed by Bank of America with an average of $11,436. Wells Fargo is also fairly generous with starting credit limits, with an overall average of $9,498.
Average credit card limits for new cards from major issuers by cardholder credit score
| Card Issuer | 760 and Up | 720 - 749 | 680 -719 | 640 - 679 | 600 - 639 | 560 - 599 | 520 - 559 | Under 520 | All Scores |
|---|---|---|---|---|---|---|---|---|---|
 | $18,962 | $11,217 | $7,640 | $7,598 | $7,830 | $8,944 | $10,433 | $9,857 | $12,177 |
 | $16,839 | $11,376 | $8,168 | $7,595 | $6,170 | $4,644 | $4,208 | $5,144 | $11,436 |
 | $10,353 | $8,070 | $4,760 | $3,483 | $2,571 | $2,268 | $2,405 | $2,464 | $6,042 |
 | $11,416 | $6,026 | $2,667 | $1,405 | $842 | $600 | $501 | $461 | $1,474 |
 | $15,231 | $11,078 | $7,241 | $5,960 | $5,279 | $5,008 | $4,889 | $5,398 | $8,960 |
 | $8,663 | $7,542 | $5,948 | $4,998 | $4,357 | $4,103 | $4,205 | $4,248 | $6,346 |
 | $7,263 | $6,656 | $4,674 | $3,481 | $2,056 | $1,340 | $1,208 | $1,359 | $4,384 |
 | $18,819 | $14,099 | $8,819 | $6,331 | $4,361 | $2,798 | $1,926 | $1,429 | $5,421 |
 | $15,697 | $9,704 | $5,261 | $2,874 | $2,125 | $1,573 | $1,357 | $1,406 | $3,629 |
 | $13,676 | $8,090 | $4,374 | $2,737 | $1,805 | $1,494 | $1,532 | $1,644 | $5,199 |
 | $12,074 | $9,356 | $7,607 | $7,646 | $6,833 | $7,294 | $7,425 | $8,229 | $9,498 |
| All Issuers | $13,866 | $9,260 | $6,014 | $4,410 | $2,796 | $1,734 | $1,311 | $1,274 | $6,123 |
How to get a high-limit credit card
While getting a high-limit credit card may not happen overnight, there are steps you can take to position yourself for more available credit over time:
- Check your credit history and clean up any errors.
You can check your credit reports for free at AnnualCreditReport.com. If you find false information on your reports, take steps to dispute it and have it removed. - Pay down your balances.
Paying down revolving debt can help reduce your credit utilization ratio and give a big boost to your credit score, since it makes up 30% of your FICO credit score. - Choose a card that fits your credit profile. Make sure to apply for credit cards that fit your current credit rating.
- Look for options with your current bank.
You may get a higher credit limit from an issuer that has an existing relationship with you. - See if you’re preapproved.
Some credit cards let you gauge your approval odds and get an idea of your future credit limit before you apply. - Don’t apply for too many cards at once.
Each new card you apply for results in a hard inquiry on your credit reports. Applying for too many in a short amount of time can damage your credit and make it harder to qualify for a card with a good limit.
→ Read How to Apply for a Credit Card in 7 Steps
Application tip
To qualify for a good credit limit, be sure to include all your income sources on your application. Potential income streams include:
- Income from full-time and part-time jobs
- Alimony or child support
- Gifts or trust fund payments
- Investment income
- Social Security payments
- Retirement fund payments
- Your spouse or partner’s income
Note, if you’re under the age of 21, you can only provide personal income, such as income earned through employment.
How to increase your credit card limit
You don’t have to open a new card to increase your credit limit. It’s possible to qualify for a higher credit limit on a card you already have. Take the following steps to boost your odds of an increase:
-
1. Pay your full statement balance on time each month
Paying your credit card bill on time shows issuers you are responsible with credit. This move also helps you avoid late fees and penalty interest rates.
-
2. Make sure the rest of your finances are in good shape
Have some savings in the bank for emergencies, and do your best to avoid overborrowing through other loans like auto loans and personal loans. Living below your means is the best way to ensure you can maintain excellent credit for your lifetime.
-
3. See if your card offers an automatic credit limit review
Sometimes paying your credit card statement balance on time each month is all it takes to qualify for a credit limit increase. There are also credit cards — like the Discover it® Secured Credit Card — that promise automatic reviews after a certain amount of time.
If you’re unsure whether your card issuer offers automatic credit limit increases, you can check the card information online or call the card issuer directly to inquire.
-
4. Gather your financial information
Make sure you have the right information handy when you request a credit limit increase. This includes your total annual income, current employment status and monthly mortgage or rent payment.
You will also want to have a general idea of how much more credit you plan to request. While there are no hard-and-fast rules here, Reddit users recommend asking for anywhere from 50% more available credit to double or triple your current limit if it’s on the low side.
-
5. Contact your credit card company
Some issuers — Capital One and Citi, for example — make it easy to request a credit limit increase online. With others, such as Wells Fargo, you’ll need to call in by phone to make the request. You should also be aware that you should typically wait at least six to 12 months before requesting a credit limit increase on a recently opened card.
- Online: You can find the option to increase your credit limit with Chase, for example, by logging in to your account. If you search through your account services, you’ll find the credit limit increase option. To be considered, you’ll likely have to update your income on your account. Bank of America also has the option to request a credit limit increase online.
- By phone: If you don’t see the option to request a credit limit increase online, try calling the number on the back of your card. You aren’t guaranteed to receive a credit limit increase, but it’s always worth a shot. You may be asked for information, such as your income. Wells Fargo specifies that cardholders need to call their customer service line to request a credit line increase.
→ Learn more about how to increase your credit limit.
Call this number to request a credit limit increase with your bank:
- American Express: 800-528-4800
- Bank of America 800-732-9194
- Capital One (personal): 800-227-4825
- Capital One (business): 800-867-0904
- Chase: 800-432-3117
- Citi: 800-950-5114
- Discover: 800-347-2683
- U.S. Bank: 800-285-8585
- Wells Fargo: 800-642-4720
LendingTree data: Ask and you shall receive
You have a great chance of getting approved for a credit limit just by asking your issuer. A survey from LendingTree showed that credit limit increases were one of the most commonly granted requests. 86% of cardholders reported success in our most recent survey:
Frequently asked questions
When you try to make purchases that exceed your available credit, it’s possible your credit card could be declined at the point of sale. The purchase may also go through, and you may be charged an over-the-limit fee as a result.
Increasing your credit limit could help your credit score if it lowers your credit utilization ratio, or how much of your credit you’re currently using. If you have $2,000 in revolving debt on a card with a current limit of $5,000, this means the utilization on this card is currently 40%. If you were able to increase your limit on that card to $10,000, however, your credit utilization would lower to 20% overnight.
Ideally, you’ll maintain a high enough credit limit that you can keep your utilization ratio below 30% of your available credit. According to the experts, this is the threshold that helps consumers maintain a good credit score.
While nobody knows for sure what the highest credit card limit is, many users on Reddit claim to have cards with limits of $100,000, $200,000 or more.
If you have poor credit, you may have the best chance at a high credit limit card if you go with a secured credit card and put down an equally high cash deposit as collateral. For example, the U.S. Bank Cash+ Visa Secured Card offers a credit limit up to $5,000.
To see rates & fees for American Express cards mentioned on this page, visit the links provided below:
- The Platinum Card® from American Express
- The Blue Business® Plus Credit Card from American Express
- Blue Cash Preferred® Card from American Express
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the BankAmericard® credit card, U.S. Bank Cash+ Visa Secured Card, Petal® 2 Cash Back, No Fees Visa® Credit Card and Chase Slate Edge℠ has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
