The Bankrate promise
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
If you have a steady income and good to excellent credit, you’ll likely qualify for a high-limit credit card. However, an array of factors will dictate the credit limit for your new card. For example, if you have a lot of existing credit card debt and your credit utilization is high, card issuers may not want to give you too much room to rack up another high balance.
Although card issuers are usually tight-lipped about the specific requirements needed for credit card approval, along with the highest limits they’ll offer, high-limit credit cards generally come with limits of $10,000 or more, and sometimes a lot more. Of course, what’s considered a high credit limit will vary depending on a person’s credit history, income and the card they’re interested in, among other factors.
Below, we’ll take a look at some of the top credit cards with the potential for a high limit.
Best high-limit credit cards
Chase Sapphire Reserve: Best for excellent credit
According to the Chase Sapphire Reserve® card’s terms and conditions, it starts out with a minimum credit limit of $10,000. Of course, you’ll need excellent credit to qualify for this premium card, not to mention it includes a high annual fee of $550. But you’ll get a number of perks and benefits in exchange, which should help you to regain the cost of membership.
With this card, you’ll earn 10X points on hotel stays and car rentals through Chase Ultimate Rewards, 10X points on Chase Dining purchases through Ultimate Rewards, 10X points on Lyft purchases (through March 2025), 5X points on air travel through Ultimate Rewards, 3X points on general travel and restaurant purchases and 1X points on all other purchases. New cardholders can also earn a welcome bonus of 60,000 points — worth $900 in travel through Ultimate Rewards — after spending $4,000 in the first three months from account opening.
As for some of the benefits you’ll receive, you’ll get a $300 travel credit every account anniversary; an up to a $100 credit for TSA PreCheck, Global Entry or NEXUS; 1:1 points transfers to Chase airline and hotel partners; a 50 percent points boost for travel redemptions through Ultimate Rewards; airport lounge access; and extensive travel insurance.
Chase Sapphire Preferred Card: Best for good to excellent credit
The Chase Sapphire Preferred® Card starts off with a credit limit of at least $5,000 (as outlined in the card’s terms and conditions). Along with this high minimum credit line, you’ll have the chance to earn a welcome bonus of 80,000 points — worth 1,000 in travel through Chase Ultimate Rewards — after spending $4,000 within the first three months of account opening. You’ll also earn 5X points on travel purchased through Chase Ultimate Rewards, 5X points on Lyft rides (through March 2025), 3X points on dining, select streaming services and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2X points on all other travel and 1X points everything else.
A $95 annual fee applies, but the rewards you earn are truly versatile. Not only can you cash in points for gift cards, statement credits, merchandise and more, but you can get a 25 percent points boost on travel booked through Chase Ultimate Rewards. You can also transfer points 1:1 to popular airline and hotel partners like Southwest Rapid Rewards, United MileagePlus, Marriott Bonvoy and World of Hyatt. Plus, you’ll get benefits like a $50 annual hotel credit for stays purchased through Ultimate Rewards, trip cancellation/interruption insurance, baggage delay insurance and more.
Capital One SavorOne Cash Rewards Credit Card: Best for good credit
The Capital One SavorOne Cash Rewards Credit Card is another rewards credit card that could potentially offer a high credit limit; some people have reported a starting credit limit of $10,000. Once you’re approved, you can earn a $200 cash bonus after spending $1,000 within three months of account opening. You’ll also earn 8 percent cash back on Capital One Entertainment purchases, 5 percent back on hotel and rental car bookings through Capital One Travel, 3 percent back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart and Target) and 1 percent back on all other purchases.
This card also comes with no annual fee. Other important cardholder benefits you can look forward to include travel accident insurance, 24-hour travel assistance and flexible redemption options.
Petal 2 “Cash Back, No Fees” Visa Credit Card: Best for no credit history
If you’re just getting started with credit, you may want to look into the Petal® 2 “Cash Back, No Fees” Visa® Credit Card. This card comes with a minimum credit limit of $300 and a maximum limit of $10,000. Of course, you won’t know the credit limit you’ll receive until after your application has been reviewed and approved.
With this card, you’ll earn at least 1 percent back on all eligible purchases, but this rate may go up to 1.5 percent on eligible purchases after you make 12 on-time payments. Plus, you can get 2 percent to 10 percent cash back through Petal 2’s merchant offers program, Petal Perks. This card also comes with no annual fee, no foreign transaction fees, no late payment fee and no returned payment fee.
Capital on Tap Business Credit Card: Best for small-business owners
If you’re a business owner in search of a high-limit business credit card, look no further than the Capital on Tap Business Credit Card. You’ll have the chance to secure a credit limit as high as $50,000 — perfect for those in need of significant purchasing power but without a hefty annual fee to match. In terms of rewards, this no-annual-fee business card offers 1.5 percent cash back rewards on all purchases, plus a $200 cash back welcome bonus when you spend $15,000 in your first three months (an offer exclusive through Bankrate).
A few things to note, the welcome bonus spending requirement is quite high, and the card’s variable APR can go up to 35.99 percent, based on your creditworthiness. If you consider yourself a responsible cardholder and do the kind of spending that would require a high credit limit, though, this business card is a solid option.
Is a high-limit credit card right for you?
High-limit credit cards can be more dangerous than your average credit card since they make it easy to rack up a higher level of credit card debt. Since the current average credit card APR is over 18 percent, however, you should be cautious of using your high-limit credit card as a short-term loan. As an alternative, you may want to consider credit cards that offer a 0 percent introductory APR on purchases for a limited time, with the caveat that these intro APR offers usually only last for 12 to 21 months.
In addition to avoiding debt, you should really only use your high-limit credit card to continue building credit and to maintain a good or excellent score. This typically involves paying your full bill early or on time each month, avoiding debt completely and keeping your credit utilization below 30 percent. Additionally, you should refrain from opening or closing too many new cards.
How to choose a high-limit credit card
Decide if you want to earn rewards, as well as what type of rewards
If your goal is to earn rewards with a credit card, you should decide ahead of time which type of rewards you want to earn. Maybe you want to earn flexible rewards you can redeem in more than one way, or perhaps you prefer airline miles, hotel points or plain cash back. Compare cards in the niche you’re considering, including ones for excellent credit that might be more likely to offer a high limit.
Check for cardholder perks you’ll actually use
Make sure the cards you’re considering offer the perks you want. That might mean airport lounge access, travel or dining credits, no foreign transaction fees or a credit for Global Entry or TSA PreCheck — all popular credit card perks.
Compare annual fees
Keep in mind that the cards with the most perks and rewards tend to charge higher annual fees overall. If you want a credit card with a high annual fee, make sure that the benefits you receive will be worth it — and that you’ll be able to recoup the cost of card membership.
Consider interest rates and 0% intro APR offers
Remember that a high limit on your credit card shouldn’t be used as an excuse to rack up debt. Make sure you understand your credit card’s interest rate. If you know you need to carry a balance right off the bat, you should look into a 0 percent APR credit card. High-limit credit cards can be useful if you spend a lot on plastic each month, but long-term debt can hurt your credit score and curtail your lifestyle for years to come.
FAQs about high-limit credit cards
Although your income and credit score will help to determine how much credit you’ll qualify for, what’s considered “normal” will largely depend on your credit history and the card you’re interested in. For example, if you’re a student interested in your first credit card, a normal credit limit range might be $200 to $1,000. If you have bad to fair credit, that range might be $100 to $500. For good to very good credit, you might receive a credit limit of $2,500 to $10,000. And if you have excellent credit — and a high income — you could receive a credit limit that’s much higher than $10,000.
If you have excellent credit and a high income, you may be offered a credit line of $30,000 to $50,000. However, it’s possible you may be offered a credit limit that’s higher than that.
To determine how high of a credit limit you’ll need — or would ideally like to have — you’ll need to pay attention to how much you spend each month. You’ll then want to make sure that your credit limit is at least three to four times your monthly spending since you should always keep your credit utilization below 30 percent. For example, if you have a credit limit of $10,000, you should keep your bill under $3,000 each month. If you need to charge more than $3,000 to your card, you can always pay part of your bill (or the entire bill) immediately to keep your credit utilization low. If you use a significant amount of the credit available to you, or max out your credit limit, you will likely experience a drop in your credit score.
The bottom line
The best high-limit credit cards are typically cards geared toward consumers with excellent credit. Still, you won’t know the credit card limit you’ll receive until you take the steps to apply. If you wind up disappointed in your initial credit limit, just remember you can always call your card issuer and ask it to increase your credit limit.