Best High-Limit Credit Cards in 2025

What defines a high credit limit will depend on your financial situation, spending habits and lifestyle.

If you have good or excellent credit, many cards you qualify for will likely have a minimum credit limit of $10,000. The better your credit, the more your credit limit may be able to surpass that.

If you have bad credit and you’re looking for a secured credit card, a $3,000 to $5,000 credit limit is considered good. Most secured credit cards have a $2,000 to $3,000 limit — however, there are some exceptions like the U.S. Bank Cash+ Visa Secured Card. which has a credit limit up to $5,000.

 

While there’s no way to guarantee you’ll get approved for a new credit card with a high credit limit, here are a few things you could do to make this possible:

• Keep a low balance on your existing cards
• Don’t apply for new credit cards too frequently
• Pay off debt

 

When you apply for a credit card, issuers will look at a variety of factors to determine if you qualify for a high credit limit. While having good credit can increase your approval odds, it’s not the only thing they’ll consider.

• Credit history and score: They’ll review items like credit reports and credit scores to see if you’ll likely make on-time monthly payments. They’ll also see if you usually carry a credit card balance.
• Income: They’ll check this to make sure you can afford your credit card’s minimum payment.
• Debt-to-income ratio
• Relationship with the credit card issuer: They’ll consider how much debt they’re willing to extend to you overall across all credit cards, your payment history and the potential that you’ll open more accounts with them in the future.
• The current economic environment
• The creditor’s business goals

 

Even people with scores north of 700 sometimes get denied for credit cards with high credit limits for a variety of reasons. These include having debt obligations that are too high relative to their income, or even too few accounts.

If your credit history is limited, you’re likely to be granted a low credit limit when you get your first credit card. Before trusting you with a large amount of available credit, issuers want to make sure that you have the capacity to pay your debts. If you keep your balance low and make timely payments, your issuer may increase your credit limit over time.

 

When deciding which high-limit credit card is best for you, look beyond its credit limit and decide if everything else the card offers fits your lifestyle. Choosing a card that you can keep for the long term is important, because closing a credit card can negatively impact your credit score. Before applying, you should:

1. See if you fit the credit score requirements.
   Make sure that your credit score falls within a card’s recommended credit range. When you apply for a credit card, a hard credit pull is generated, which can temporarily impact your credit score. You should avoid applying for cards that you’ll likely be declined for to avoid an unnecessary hit to your score.
2. Check the card’s fine print for the minimum credit limit.
   The higher your credit score, the more likely you are to get approved for the high end of a credit limit. But in case you aren’t approved for the higher end, you should make sure that the minimum credit limit will work for you.
3. Decide if you want to earn rewards.
   Some high-limit cards offer rewards, while others don’t. You should decide if rewards are important to you, and which type of rewards you’ll want to earn — cash back, points or miles.
4. Decide which perks are valuable to you.
   Some cards come with a significant amount of cardholder perks. You’ll want to make sure they fit your needs before applying for the card.
5. Decide if an annual fee is worth it.
   Cards with more benefits and rewards typically charge an annual fee. Further, travel cards often come with higher annual fees. Decide if the fee is worth it and fits into your budget. If not, there are plenty of no annual fee cards available.
6. Take a look at the card’s APR and 0% offers.
   If there’s a chance you’ll carry a balance on a card, you’ll want to make sure it comes with a reasonable interest rate. Some cards also come with long intro APR offers that can help you save if you’re financing a large purchase or doing a balance transfer.

• Request an increase online

  Many credit card issuers let you request a credit increase through their online portal. Chase, for example, has this option when you log in to your account. If you search through your account services, you’ll find the option to increase your credit limit. 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.

• Call your credit card company

  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, in order for your request to be considered. Wells Fargo specifies that cardholders need to call their customer service line to request a credit line increase.

  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

   

• See if your card offers an automatic credit limit review

  Some credit cards offer automatic credit limit reviews if you meet certain criteria.

  For example, the Chase Slate Edge^℠ card will review your credit limit if you pay on time and spend $500 in your first six months.

  Learn more about how to increase your credit limit.