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The Chase Sapphire Reserve® comes with a high minimum credit limit of $10,000 and an excellent earning rate, sign-up bonus and travel benefits lineup for a $550 annual fee.
If you’ve ever opened a credit card, you know it’s a bit of a mystery what your credit limit will be once the issuer approves your application. It could be $1,000, $10,000 or another number entirely.
In general, people with excellent credit scores and high incomes have better chances of being approved for high limit credit cards. It’s also important to consider how you define a high credit limit — for some consumers, it might be a $10,000 credit limit or above, while for others, it might be $80,000 or even six figures.
While each credit card issuer has its own criteria for setting credit limits — and no two people will get exactly the same results — we’ve compiled some of the top cards with which you might be able to land a high credit limit.
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The Chase Sapphire Reserve® is a Visa Infinite card, which means its minimum credit limit is $10,000. This is an excellent starting base for a credit limit, which you’re likely to exceed if you have excellent credit. The Chase Sapphire Reserve® does have a steep annual fee of $550, but it comes with plenty of benefits for frequent travelers.
Minimum credit limit: $10,000
Who’s this card best for?
The Chase Sapphire Reserve® is best for frequent travelers who take advantage of things like TSA PreCheck and airport lounge access. You should only get it if you travel enough and use the benefits fully to make up for the $550 annual fee — not solely for its high credit limit. The Chase Freedom Unlimited® is a good alternative if you’re looking for a no-annual-fee card with a high credit limit.
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 depends on your credit history, payment history and other factors. If you spend enough on travel to justify the $695 annual fee, then this card comes with plenty of travel and shopping credits to take advantage of.
Minimum credit limit: No preset spending limit
Who’s this card best for
The Platinum Card® from American Express is best for travelers who enjoy and take advantage of luxury benefits like hotel elite status and airport lounges. Because of its large annual fee, this isn’t the best fit for people who only travel occasionally and don’t need features like lounge access or TSA PreCheck. Another option for a card with no preset spending limit is the Capital One Spark Cash Plus, which is a business card that lets you earn 2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel.
To see rates & fees for The Platinum Card® from American Express please click here.
The Blue Cash Preferred® Card from American Express lets you earn cash back that you can redeem for statement credits on a variety of categories — especially on U.S. supermarkets — and offers a generous welcome offer. Since it has an annual fee and it’s designed for excellent/good credit, you’re likely to receive a decent credit limit.
Minimum credit limit: Not disclosed (though some forum users have reported a minimum limit of $1,000)
Who’s this card best for
The Blue Cash Preferred® Card from American Express is perhaps the most generous credit card on the market when it comes to rewarding U.S. supermarket purchases. If you spend the $6,000 maximum on elevated rewards, then you’ll earn $360 in cash back — which more than makes up for the annual fee.
To see rates & fees for Blue Cash Preferred® Card from American Express please click here.
The Blue Cash Everyday® Card from American Express is a great $0-annual-fee card that offers generous rewards on U.S. supermarkets, U.S. online retail purchases and U.S. gas stations. If you spend a lot on groceries or online retail shopping and you have excellent/good credit, then this card could provide you with a decent credit limit.
Minimum credit limit: Not disclosed (though some forum users have reported a minimum limit of $1,000)
Who’s this card best for
If you do a lot of your grocery shopping at U.S. supermarkets, but don’t want to pay an annual fee for the Blue Cash Preferred® Card from American Express, the Blue Cash Everyday® Card from American Express is a good alternative. Plus, thanks to the welcome offer and the intro APR on purchases, this card can be an excellent tool for consumers who know a big expense is coming up soon.
To see rates & fees for Blue Cash Everyday® Card from American Express please click here.
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The Chase Freedom Unlimited® offers a good maximum credit limit of $5,000 if you have good enough credit to qualify for the Visa Signature version of the cards. If you’re approved for a Visa Platinum, your minimum credit limit is $500. The Chase Freedom Unlimited® is a solid cash back rewards card with a $0 annual fee that offers elevated rewards for every purchase.
Minimum credit limit: $500 or $5,000
Who’s this card best for
The Chase Freedom Unlimited® is best for people who have elevated rewards credit cards on other categories like travel and dining and would like to earn more than 1% or 1x on their other purchases. If you have the Chase Sapphire Reserve®, Chase Sapphire Preferred® Card or Ink Business Preferred® Credit Card, then the Chase Freedom Unlimited® can help you earn Chase Ultimate Rewards® points instead of solely cash back.
The U.S. Bank Cash+ Visa Secured Card has a maximum credit limit of $5,000 — which is higher than many other secured credit cards. For example, the Discover it® Secured Credit Card has a credit limit of just up to $2,500. On top of its high credit limit for a secured credit card, it also offers cash back.
Minimum credit limit: $300
Who’s this card best for
The U.S. Bank Cash+ Visa Secured Card is best for people with credit that have more expenses and need a more flexible credit card to accommodate them. You can also earn cash back on a wide range of everyday expenses, like fast food, home utilities, department stores, streaming services and more.
The Lake Michigan Credit Union Prime Platinum is a low-interest card with a maximum credit limit of $25,000. The average credit card APR is 23.55%, according to a LendingTree analysis, and this card has an APR of as low as 11.50% (variable). So if you’re looking for a low-interest credit, this rate is hard to beat.
Minimum credit limit: Not disclosed
Who’s this card best for
This card is best for people that may need to carry a balance some months. You need a Lake Michigan Credit Union (LMCU) membership to apply for the card, which is available to some Michigan residents, all Florida residents and family members of LMCU members. If neither of those apply to you, you can qualify by donating $5 to the ALS (Amyotrophic Lateral Sclerosis) Foundation.
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The Chase Slate Edge℠ is a balance transfer card that offers an automatic review for a higher credit limit when you pay on time and spend $500 in your first six months. When you’re doing a balance transfer, even a small increase in your credit limit can help you tackle credit card debt faster with a no-interest period. This card offers a 0% Intro APR on Balance Transfers for 18 months. Then a 20.49% – 29.24% Variable APR applies. There is also a 0% Intro APR on Purchases for 18 months. Then, a 20.49% – 29.24% Variable APR applies.
Minimum credit limit: $500
Who’s this card best for
The Chase Slate Edge℠ is best for people who are looking for a balance transfer card with a long introductory APR period and don’t mind a card without rewards or a sign-up bonus. If you’re worried about your balance transfer exceeding a credit card limit, this may also be a good fit because it offers the potential to raise your credit limit after qualifying purchases. Keep in mind this card is designed for people with excellent/good credit.
The American Express Blue Business Cash™ Card gives you a high rate of cash back on every purchase redeemable for statement credits. This card also offers Expanded Buying Power, which allows you to spend above your credit limit to a certain point. The amount you can spend above your credit limit may vary, but this gives you more flexibility with your business spending.
Minimum credit limit: Not disclosed (though some forum users have reported a minimum limit of $2,000)
Who’s this card best for
The American Express Blue Business Cash™ Card is ideal for small business owners who want a business credit card with no annual fee and a simple rewards rate. If you need to make a big purchase, this card lets you spend above your credit limit to an extent — which makes this a good option for business owners who need flexibility with their credit limit.
To see rates & fees for The American Express Blue Business Cash™ Card please click here.
| Credit Cards | Our Ratings | Annual Fee | Welcome Offer | Rewards Rate | |
|---|---|---|---|---|---|
|
Chase Sapphire Reserve®
Apply Now
on Chase's secure site |
Winner
|
$550 | Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards® | Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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 |
Apply Now
on Chase's secure site |
The Platinum Card® from American Express
|
No preset spending limit
|
$695 | Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. | 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply. | |
Blue Cash Preferred® Card from American Express
|
Cash back
|
$0 intro annual fee for the first year, then $95. | Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. | 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. Terms apply. | |
Blue Cash Everyday® Card from American Express
|
Everyday purchases
|
$0 | Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. | 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. 1% cash back on other purchases. Terms apply. | |
|
Chase Freedom Unlimited®
Apply Now
on Chase's secure site |
No annual fee
|
$0 | SPECIAL OFFER: Unlimited Matched Cash Back. Chase will automatically match all the cash back you earned at the end of your first year! There is no limit to how much cash back you can earn. | Unlimited 1.5% cash back is just the beginning. Enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases. |
Apply Now
on Chase's secure site |
|
Lake Michigan Credit Union Prime Platinum
Learn More
on Lake Michigan Credit Union's secure site |
Low interest rate
|
$0 | N/A | N/A |
Learn More
on Lake Michigan Credit Union's secure site |
|
Chase Slate Edge℠
Apply Now
on Chase's secure site |
Balance transfers
|
$0 | N/A | Non-rewards card |
Apply Now
on Chase's secure site |
The American Express Blue Business Cash™ Card
|
Small business owners
|
No annual fee | Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. | Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% |
A high credit limit depends on what your financial situation, lifestyle and spending habits are. According to Experian’s most recent data, the average credit limit was $30,233 in 2021.
If you have good or excellent credit, then many of the cards you qualify for have a minimum credit limit of $10,000. The better your credit, the more your credit limit may be able to surpass that.
But if you have bad credit, then the $5,000 credit limit from the U.S. Bank Secured Visa Card is likely high for you, since most secured credit cards only have a $2,000 to $3,000 limit.
Your current credit limit isn’t necessarily set in stone. Instead of applying for a new credit card to receive a higher credit limit, there are three ways you can get one.
Request an increase online
Many credit card issuers have a way for you to 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. In order 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, you could try simply 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 like your income in order for your request to be considered.
Call this number to request a credit limit increase with your bank:
See if your card offers automatic credit limit review
Some credit cards offer automatic credit limit reviews if you meet certain criteria.
For example, the Chase Slate Edge℠ will review your credit limit if you pay on time and spend $500 in your first six months.
A high credit limit can help boost your credit utilization ratio, a big factor in determining your credit score. Your credit utilization is the amount of credit card balances you’re carrying compared to your credit limits.
The closer you get to maxing out your card, the more it hurts your credit score. So, if your credit limit is higher, the bigger balance you can carry without dinging your score.
The type of consumers who want high-limit credit cards are also typically those who are looking for high-value rewards, according to Tom Quinn, vice president at myFICO.
“They typically want a higher line, especially if there’s an annual fee with the card, so they can use the card to pay for all their purchases to get rewards points,” he says. As such, they’ll want a higher credit line to support that higher volume of transactions.
When you apply for a credit card, your credit score is just one factor that’s considered. Issuers will typically ask you about these things, too:
Even people with scores north of 700 sometimes get denied for credit cards with high credit limits for a variety of reasons, including having debt obligations that are too high relative to their income, or too few accounts. If you’re aiming for a Chase card specifically, you might also get rejected because of its 5/24 rule, which means you’ll be automatically denied if you’ve opened more than five cards in the past 24 months.
While there’s no way to guarantee you’ll get approved for a new credit card with a high credit limit, these are a few things you could do:
Be aware that if your credit history is limited, you’re likely to be granted a low credit limit when you get your first credit card or even subsequent cards. Before trusting you with a large amount of available credit, issuers want to make sure that you have the capacity to pay your debts (i.e., a strong income and all of your other debts under control), as well as a long history of managing other substantial credit lines.
Every two years, the Consumer Financial Protection Bureau — a government body responsible for protecting consumers and providing education on financial matters — issues a report on the state of the consumer credit card market. The report for 2021 was released in September, and examined average credit limits for both general use credit cards and private label credit cards (commonly referred to as store cards).
In 2020, the average credit limit for general use credit cards was $8,000, according to the report; this was a slight decrease from 2019. Meanwhile, with private label credit cards, the average credit limit was almost $2,700.
It’s important to note that each credit card issuer has criteria for how to set credit limits, and each individual person’s credit limit will likely vary based on a multitude of factors. However, some consumers in online discussion boards have reported credit limits of $100,000 or more.
There’s no one credit card limit that would be a good fit for everyone. If you have bad credit and you’re looking for a secured credit card, then a $3,000 to $5,000 credit limit is considered good. But if you have good or excellent credit, then your credit limit can vary greatly. If you’re not happy with your credit limit, then you could try asking for a credit limit increase online or by calling your issuer.
Yes, it is possible to request a higher credit limit on a card you already have. Some issuers — Capital One and Citi, for example — make it easy to submit for a credit limit increase online. With others, such as Wells Fargo, you’ll need to call in by phone to make the request. Note that in some cases, a hard inquiry might be required when you submit a credit limit increase request, which can be expected to ding your credit score by a few points.
Your credit limit impacts your credit score through something known as utilization. Put simply, utilization is the amount of your available credit that you’re using. This is calculated both on a level of individual cards and across all your cards as a whole. For example, if you have a $200 balance on a card with a $1,000 credit limit, that’s 20% utilization. A high credit limit makes it easier to maintain a low utilization, which is good for your credit score.
Yes, an issuer can decrease your credit limit, or even close your credit card account. Possible reasons this might happen include lack of activity on the account or risky spending. To mitigate the chance of having your credit limit slashed or your account closed, use your card regularly and don’t max it out.
As mentioned throughout, it’s impossible to predict what credit limit you’ll get with a new credit card. However, we’ve selected cards with which there’s a possibility of receiving a high credit limit.
In addition, we considered features such as rewards program, 0% intro APR, regular APR and benefits. Each of the cards on this list excels 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.
To see rates & fees for The Platinum Card® from American Express please click here.
To see rates & fees for Blue Cash Preferred® Card from American Express please click here.
To see rates & fees for Blue Cash Everyday® Card from American Express please click here.
To see rates & fees for The American Express Blue Business Cash™ Card please click here.
The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.
