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10 Best High Limit Credit Cards | Best List

The maximum amount of credit a credit card issuer is willing to lend you at one time is referred to as the Highest credit limit. High-limit credit cards allow you to make purchases with high payments amount. These cards are geared toward people with high incomes and great credit scores.

When applying for high-limit credit cards what the issuers generally care about is your income and higher credit score and not the type of credit card you are applying for.

Although the highest limit credit cards often come with a very high annual fee. It could be worth it still, especially if you earn enough rewards to offset the card fee.

The Best High Limit Credit Cards

Most often than not higher limit credit cards offer better and superior rewards and allow you to finance large purchases when selected and used strategically.

1. Capital One Venture Rewards Card

The Capital One Venture Rewards credit card has a $5,000 minimum credit limit and a maximum of $50,000. Even though some high-income owners have reported limits even as high as $58,000. Apart from high limit credit, it also offers; an excellent sign-up bonus, unlimited miles on every purchase, travel credit, Multiple ways to use miles, and no foreign transaction fee.

Above of that you will also get to enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel, and earn unlimited 2X miles on every purchase, every day.

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2. Blue Cash Preferred Card from American Express

The Blue Cash Preferred Amex credit card makes 2nd place. As part of your introduction bonus, you get to earn a $300 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 on transit including taxis/rideshare, parking, tolls, trains, buses, and more, 3% Cash Back at U.S. gas stations, and 1% Cash Back on other purchases.

Even though the credit limits aren’t advertised, they can range from $1,000 to $30,000, according to some of the cardholders. You can fill out a form on the site to find out what types of personalized American Express offers you may be prequalified for.

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3. Chase Freedom Flex

Third on the list is the Chase Freedom Flex credit card, having up to $24,000 credit which is a little under what the Blue Cash Preferred card offers limit. Deserves to be top of the wallet for many cardholders due to some of the highest cashback rates for essentials, a big sign-up bonus, and no annual fee.

Some of the rewards that come along with the Chasse freedom cards are 3% cashback on dining at restaurants, including takeout and eligible delivery services, 3% cash back on drugstore purchases, and 5% cashback on up to $1,500 in combined purchases in bonus categories each quarter you activate. The cardholder also enjoy new 5% categories each quarter!

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4. Chase Sapphire Reserve

The Chase Sapphire Reserve comes with a high minimum credit card of $10,000 and plenty of benefits to add value makes it fourth on our list. For a starter, new cardholders get to earn up to 60,000 bonus points after spending $4,000 on purchases in their first 3 months, and points are worth 50% more when redeemed for travel through the Chase Ultimate Rewards portal.

The Chase Sapphire Reserve credit card comes with an annual fee of $550. But there are numerous other valuable perks as those mentioned that can help cover the cost for their users.

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5. Chase Sapphire Preferred

The Chase Sapphire Preferred Card comes with a $5,000 minimum credit line also, but we’ve seen a few claims that the credit limits for this card can be as high as $100,000 but only for those with top credit scores and high income.

Even if that number isn’t excellent, it comes with other rewards such as new cardholders can earn 100,000 bonus points when they spend $4,000 on purchases in the first 3 months after their account opens.

The bonus according to Credit Karma Valuations can be worth $1,710 when redeemed with a travel transfer partner. The Chase Sapphire Preferred card comes with a $95 annual fee.

6. Chase Ink Business Preferred Credit Cards

The Chase Ink Business card has half the minimum credit when compared to the Chase Sapphire Reserve which is $5,000. Having $5,000 as the minimum limit is still pretty much high and makes it among the high limit credit cards at large. Talking of maximum limit, some cardholders have reported approved credit limits up to $34,000.

If you choose the Chase Ink Business credit card you get to earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards. Also, with absolute zero liability, you won’t be held responsible for unauthorized charges made with your card or account information.

7. Discover it Cash Back

This credit card is one of the high limit credit cards that is also great for cash rewards. Offering up to $15,000 as maximum credit limit without having to pay annual fee makes it one of the best high limit credit cards out there. There users earn up to 5% cash back on everyday purchases at different places each quarter of the year like, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when they activate.

Another pro of using Discover is that the “Discover it Cash Back” is accepted nationwide by 99% of the places that take credit cards. Also, redeem cash back in any amount, any time. Rewards never expire; Once earned, then it has to be used.

8. Citi Double Cash Back

Regardless of being it a fact that this card has a relatively very low minimum credit limit that is $500, but Credit Karma user reviews and reports elsewhere say you may be able to get limits closer to $10,000, or even $40,000 or even higher.

Notwithstanding your credit limit, the Citi Double Cash Card offers straightforward rewards with the ability to at least 2% back on your purchases, 1% when you use the card, and also 1% when you pay your bill. More so, it has a $0 annual fee, but the card doesn’t offer a sign-up bonus.

9. BankAmericard Credit Card

The BankAmericard credit card has also made the best high limit credit card list. This card has a high-limit, no-frills card. Instead of travel rewards or bonuses, the card focuses on low fees. The introductory APR is very ideal if you have a large, upcoming purchase you would prefer to pay off over time.

You’ll have 18 billing cycles to carry the balance while you pay it down (0% intro APR for 18 billing cycles on purchases and balance transfers, 12.99% to 22.99% variable APR thereafter). After the introductory APR is over, the card’s fees are competitively low. There is no annual fee, and Bank of America does not charge a penalty APR if you miss a payment.

10. Petal 2 Visa Credit Card

The range of credit for the Petal 2 Visa credit card is between $500 to $10,000 limit. Furthermore, the Petal 2 Visa Credit Card is the best high-limit credit card for individuals with average or fair credit. The card comes with a variable interest rate and limit that’s based on your credit score.

If you have no credit or less-than-perfect credit history, you may be approved for a lower credit limit. The good news right now is, Petal cards are designed to help you improve your credit and can grow with you as you rebuild. Making it an option for people with extremely poor credit scores.


What are your chances of getting approved for a high-limit card?

If you are looking to apply for a high limit as we have helped you identify the best options in this article, the next step you need to take is preparation. Firstly, you’ll want to pay down your other card balances before you apply to improve your credit utilization and overall credit score.

Chances are if you have a good credit score of at least 700, chances are you’ll receive a high credit limit regardless of the card you apply for. And if your current credit score isn’t likely going to get you approved then take your time and improve your credit score. Once you establish a positive track record of responsible spending and on-time payments, reach out to your card provider and ask for a credit increase.

What is the highest credit card limit?

The credit card issuers generally decide for you 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 you. I bet you if you have established a high credit score plus you have a proven high income, if you contact your credit card company to improve your limits, they will be willing to consider.

In general, it’s not uncommon to hear of people getting credit cards with higher limits, such as $20,000 or more, on a single card. Some high-limit credit cards may offer as much as $50,000 as you have seen above. High-limit credit cards tend to be those geared toward people with excellent credit and high incomes.


When applying for high-limit credit cards what the issuers generally care about is your income and higher credit score and not the type of credit card you are applying for.

Hence, you should ensure you pay adequate attention to your credit score and keep your aim at a high level.



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