Best High Limit Credit Cards: Reviewed by Experts Dec 2023

When deciding between the best high limit credit cards, these questions are critical to answer first, based on your personal financial situation and your lifestyle needs, and then investigate if the high limit card you are interested in can serve your needs:

Can I get a high limit credit card?

High Limit Credit Card Eligibility: Top high limit credit cards, with large credit limits, often require a high credit score with sizable income. While there's no credit score that guarantees a high limit, very good to exceptional credit (740 to 850 under the FICO? Score system) is helpful. Under the VantageScore system, excellent credit ranges from 781 to 850. Check out some of the best high limit credit card options?

How to get a high limit credit card

• Am I eligible to get a high limit credit card?
  Card issuers usually only approve you for a high credit limit if you have good to excellent credit and a large income.
• If you're looking for a new high limit credit card, check out our expert picks and follow the application links when you're ready to apply. Don't want your credit impacted? You can obtain a pre-approval or prequalification with many issuers to see if you'd qualify for a high limit credit card, before the full credit pull is completed.
• Already have a high limit credit card? Most credit card issuers are happy to increase your credit limit if you've had your card open for several months or years. This is especially true if your income or your credit score has risen, and if you've been making on-time payments. Simply call your credit card issuer or log into your online account to request a credit limit increase.
• Business Owners: There is a difference between personal and business credit scores, but credit limit calculations will work the same way for business owners -- it's still income and credit score that matters most for high limit credit card eligibility.

Check out some of the best high limit credit card options?

What's the minimum credit line for a credit card with a high limit?

• Some high limit credit cards have a minimum limit. If so, every approved applicant will receive at least that much credit, but it's also possible to be approved for more. You can find this information by looking through the pricing and terms for the "minimum credit limit" or "minimum credit line" (exactly terminology varies by card issuer).
• If you want a high limit credit card for bad credit and your income or credit score isn't very high, you may fall closer to this credit limit if you are approved for the card.

Check out some of the best high limit credit card options?

How much of the credit line will you need?

High limit credit cards can help build your credit score by keeping your overall balances low in relation to your credit limit. If you have high limit credit cards that you rarely use, these can boost your credit score by improving your credit utilization ratio. Your credit utilization -- i.e., the percentage of your total credit line you're using -- is an important factor in your credit score. If you use too much of your credit line, your credit score can drop.

Check out some of the best high limit credit card options?

How high should my credit limit be?

A good rule of thumb is to have a credit limit of at least five times your normal monthly expenses across all of your cards. For example, if you spend $1,000 per month, aim for a total credit line of $5,000, either on a single card or multiple cards.

Check out some of the best high limit credit card options?

Paying off your full balance, including the principal and any credit card interest charges, from your high limit card is essential to staying out of debt.

Is the annual fee worth it for a top high limit credit card?

• Some of the highest limit credit cards come with steep annual fees. It could be worth it, especially if you earn enough rewards to offset the fee.
• You may also see fees in the form of some sort of deposit, if it's a secured high limit credit card. Check the terms and conditions of your specific card to see if there are additional fees like balance transfers, foreign transactions, late payments, or other hidden fees.

Check out some of the best high limit credit card options?

Are the credit card rewards worth it?

• Are the credit card rewards worth it for the highest limit credit cards?
  You'll want to make sure you can put any rewards you earn to use. Find out exactly how the rewards program works for each of the high limit credit cards you're considering.
• Are the credit card welcome offers for the highest credit limit cards worth it? They certainly can be! There are many high limit cards with welcome bonuses or sign-up offers. This is a great way to leverage large initial purchases and start your road to earn even more rewards.

Check out some of the best high limit credit card options?

Can you pay off your high limit card responsibly?

• A high balance credit card is the siren of the credit card world, but it's a two-way street -- you can also get lured into big credit card debt. Don't let the lure of credit cards with large limits tempt you into debt.
• If you just want to spend a lot of money, chances are it's not a good idea. Keep in mind that the highest credit card limits are best for people who aren't tempted to overspend and who can commit to paying off their full card balance each month.

Check out some of the best high limit credit card options?

Our credit experts have selected top high limit credit cards for any lifestage; whether you are just starting to build your credit history, or have already achieved excellent credit.

High Limit Credit Cards for Excellent Credit

Excellent credit ranges (740-850) will net you the best possibility of getting the highest credit limits possible. These high limit credit cards from Capital One and Chase offer outstandingly high credit limits and the type of perks that accompany an excellent credit score range.

• Capital One Venture X Rewards Credit Card
• Chase Sapphire Preferred? Card
• Chase Freedom Flex?
• Chase Freedom Unlimited?
• Chase Sapphire Reserve?
• Ink Business Unlimited? Credit Card
• Ink Business Preferred? Credit Card

High Limit Credit Cards for Good Credit

High limit credit cards for great credit range are available to those with credit scores from 670-739. Chase takes the cake here with two of their high limit credit cards stealing the show for top high limit credit card offers for good credit.

• Chase Sapphire Preferred? Card
• Chase Freedom Flex?
• Chase Freedom Unlimited?
• Chase Sapphire Reserve?
• Ink Business Unlimited? Credit Card
• Ink Business Preferred? Credit Card

High Limit Credit Cards for Fair Credit

If you have a credit score from 580-669, Petal and U.S. Bank have some very appealing higher limit credit card offers for average credit, and those working on rebuilding their credit scores.

• Petal? 2 "Cash Back, No Fees" Visa? Credit Card
• U.S. Bank Secured Visa? Card

High Limit Credit Cards for Bad Credit

If you have no credit history, or are looking to rebuild your credit history, Petal & U.S. Bank cards are once again quality options. U.S. Bank takes the secured credit card route to issue their high limit cards, so your credit limit is based on the amount you are able to provide as a security deposit. Your deposit is safely held in an FDIC-insured savings account.

• Petal? 2 "Cash Back, No Fees" Visa? Credit Card
• U.S. Bank Secured Visa? Card

High Limit Business Credit Cards

Chase makes waves again holding the two spots for best high limit credit cards for business owners. You'll need good to excellent credit (670-850 credit score) to be eligible for credit limits as high as $100,000. Note: Business credit card limits may depend on both your personal credit score, as well as your business credit score.

• Ink Business Unlimited? Credit Card
• Ink Business Preferred? Credit Card

Capital One Venture X Rewards Credit Card

Our rating: 4.50/5.00 stars. Cardholder Review Ratings: 406 reviews give it 4.30/5.00 stars as of 8/2/23.

Our Award Winner for Best Travel Credit Card: With premium perks and a reasonable annual fee, this Visa Infinite travel credit card is a favorite of ours. An annual $300 credit for Capital One Travel bookings and 10,000 bonus miles every account anniversary already more than make up for the annual fee. You also get high rewards rates, airport lounge access, and plenty of spending power. (See rates and fees.)

Leveraging the High Credit Limit:

This travel credit card offers excellent earning rates and bonus opportunities that allow you to turn a high credit limit into more miles.

• Welcome offers: Lucrative 75,000 mile sign-up bonus for eligible cardholders
  
• Travel rewards with high limit spending:
  • Multiple bonus categories with 5x to 10x miles
  • Unlimited 2x miles on other purchases

This Capital One travel card is a high-value choice that is also easy to use. You can transfer miles to travel partners for award bookings or just redeem them at a rate of $0.01 per mile for travel expenses.

Chase Freedom Flex?: Estimated Credit Limit Range: $500-$15,000

Our rating: 5.00/5.00 stars. Cardholder Review Ratings for Chase Freedom Flex? not provided on the Chase site

The terms and conditions hint at a potential credit line range, starting at $500, and based on the balance transfer section, the total balance transfer request cannot exceed available credit or $15,000, whichever is lower, but we've gotten reports of a credit limit up to $24,000. This is a much lower entry credit limit vs the Chase Sapphire Preferred? Card, while still estimating the same maximum credit limit of $15,000.

Our Award Winner for Best 0% APR Credit Card: Boasting a 0% intro APR for 15 months on purchases and balance transfers, this cash back card is a wonderful benefit for high limit spending, without having to pay back your balance immediately.

Leveraging the High Credit Limit:

This no annual fee card offers an abundant amount of ways to earn cash back on everyday spending, with the added advantage of a higher credit limit.

• Welcome Offers: Easily attainable $200 welcome bonus plus 5% at grocery stores for eligible cardholders

• Cash back for high limit spending:
  • Multiple cash back categories
  • Rewards do not expire as long as your account is open

This Chase card has no annual fee, plus a lower, and a more attainable welcome bonus vs its Sapphire counterpart. It's also focused more on getting cash back for everyday purchases vs travel bonus points. All to say, these perks make it an excellent choice for those with substantial everyday spending habits. So, if you're spending a lot at the grocery stores, or your Amazon subscriptions are stacking up at high costs, this cash back card may be the right high limit card for you.

Chase Sapphire Preferred? Card: Likely Credit Limit Range: $5,000-$50,000

Our rating: 4.50/5.00 stars. Cardholder Review Ratings: 7,829 give it 4.50/5.00 stars as of 7/27/2023

The terms and conditions for this card do not specifically state what the minimum and maximum credit line is for this card, but they do hint at it in a couple areas. For instance, it is mentioned that the credit access line, if approved, will be at least $5,000. And in the section regarding balance transfer requests, it states that the dollar amount you request to transfer over to the Chase Sapphire Preferred? Card cannot exceed the available credit or $15,000 (including fees and interest charges), whichever is lower.

Based on cardholder reviews, and our personal experience, $5,000-$50,000 seems to be the average range potentially approved, which makes the Chase Sapphire Preferred? Card an excellent choice for high limit usage.

Leveraging the High Credit Limit:

Maximize your credit line and earning potential: Attention frequent travelers and food enthusiasts! This card boasts flexible travel rewards and a generous welcome bonus, and might be best suited for travel and dining expenses. While the card has a $95 annual fee, the abundant travel and dining reward benefits, combined with the high credit limit, more than justify this cost for individuals leveraging substantial spending habits.

Make sure to always check the "what's new" area for other rewards possibilities and activations that can earn you even more on those large purchases!

Here are some platform screenshots of how you would go about activating, tracking and redeeming your rewards:

Images have been personally adapted from actual Chase cardholders and/or are examples provided through Chase tutorials.

This card stands as an attractive choice for those looking to leverage their substantial travel spending habits while unlocking the full potential of their credit line.

Chase Freedom Unlimited?: Estimated Credit Limit Range: $500-$15,000

Our rating: 5.00/5.00 stars. Cardholder Review Ratings: 10,034 reviews give it 4.80/5.00 stars as of 8/2/23

The pricing and terms for this card state that the minimum credit limit is $500 if approved for a Visa Platinum account and $5,000 if approved for a Visa Signature account. In addition, balance transfer requests can't total more than $15,000 or your available credit, whichever is lower. Like its sibling, the Chase Freedom Flex?, this card generally has limits of up to $15,000, although it's possible to get approved for a larger amount.

Leveraging the High Credit Limit:

This no annual fee cash back card provides a balance mix of bonuses and a high unlimited rate.

• Welcome offers: Elevated cash back rate the first year (earn an additional unlimited matched cash back cash back on up to in spending, worth Matched Cash Back) for eligible cardholders

• Cash back rewards with a high credit limit
  • Multiple cash back bonus categories
  • Unlimited 1.5% on other purchases
  • Cash back rewards do not expire as long as your account is open

With this card's $0 annual fee, all the cash back rewards you earn are pure profit, as long as you pay in full every month to avoid interest charges. It works well for cardholders who want to earn high rates across a balanced mix of spending categories, including travel, dining, and drugstores, while getting 1.5% everywhere else.

Chase Sapphire Reserve?: Estimated Credit Limit Range: $10,000-$80,000

Our rating: 4.50/5.00 stars. Cardholder Review Ratings: 4,642 reviews give it 4.80/5.00 stars as of 8/2/23.

The pricing and terms of this Chase card lay out a minimum credit line of $10,000. The maximum in balance transfer requests is $15,000 or your available credit, whichever is lower. But this isn't a balance transfer card, it's a travel card, and cardholders have reported much larger credit limits than $15,000. On the high end, there have been reports of limits up to $80,000.

Leveraging the High Credit Limit:

• Welcome offers: Big sign-up bonus of 60,000 points redeemable for travel expenses for eligible cardholders

• Travel rewards with a high spending limit:
  • More ways to earn with a variety of bonus categories
  • Earn up to 10x points per $1!
  • Points do not expire as long as your account is open.

This Chase travel card is loaded with valuable features, including a $300 annual travel credit, perks with Chase partners, and airport lounge access. Not everyone will be able to get the most out of this card and its high spending limit, but if you can, it can help you save big on travel expenses.

U.S. Bank Secured Visa? Card: Estimated Credit Limit Range: $300-$5,000

Our rating: 4.00/5.00 stars. Cardholder Review Ratings: 355 reviews give it 4.00/5.00 stars as of 8/2/23.

With this U.S. Bank secured credit card, there's no guessing about your credit limit. Your credit limit is equal to your security deposit, according to U.S. Bank's knowledge base. When you apply for this card, you can choose your security deposit amount, with a minimum of $300 and a maximum of $5,000. A large limit will require a large deposit, but you have the option if you want a credit card with plenty of spending power.

Leveraging the High Credit Limit:

This card doesn't offer purchase rewards or a welcome offer. Since it's a secured credit card, it's intended for building and rebuilding credit. The benefit of a high credit limit with this card is that it can help keep your credit utilization low, which is good for your credit score.

This secured card has several other features, in addition to a high potential limit, that can help you improve your credit score. These include free credit score monitoring and the flexibility to choose your payment due date. If you use your card responsibly and are able to upgrade it, you'll get your security deposit back (it's also refunded if you close the card).

Petal? 2 "Cash Back, No Fees" Visa? Credit Card: Estimated Credit Limit Range: $300-$10,000

Our rating: 4.25/5.00 stars. Cardholder Review Ratings for Petal? 2 "Cash Back, No Fees" Visa? Credit Card not provided on the Petal site

Petal makes it clear what the credit limit range is for this starter credit card. The Petal homepage provides credit limits for each of its credit cards, and this card's range is $300 to $10,000. Petal can also approve you for an application and determine a credit limit based not just on your credit history, but also your banking history. And through its Leap program, you can earn a credit limit increase after six months of qualifying on-time payments. Terms apply.

Leveraging the High Credit Limit:

• Build your credit score:
  • This card is designed first and foremost for building credit, and a high limit can help you maintain lower credit utilization.
• Cash back rewards with a high credit limit:
  • Earn 1% to 1.5% on purchases
  • Earn bonus rates of 2% to 10% at select merchants

This Petal credit card is intended to be a starter credit card, not one for rebuilding credit, and is a rarity among starter cards. Most similar cards start consumers off with low limits due to their lack of credit history. Petal offers a much higher maximum limit of $10,000. Whether you qualify for that will depend on your financial details, including your income. But Petal can look at more than just your credit score, with its innovative application process, you don't need a credit score to get it, since Petal can approve you based on your banking history.

Best Business Credit Card Expert Reviews

Ink Business Unlimited? Credit Card: Estimated Credit Limit Range: $3,000-$25,000

Our rating: 4.50/5.00 stars. Cardholder Review Ratings for Ink Business Unlimited? Credit Card not provided on the Chase site

In the pricing and terms for this business credit card, Chase specifies that your credit line will be at least $3,000 if approved. While there's no official maximum, the terms also state that Chase may request additional information for credit lines over $25,000. Anecdotally, there have been reports of cardholders with $75,000 limits, but most approved applicants likely end up in the $3,000 to $25,000 range.

Leveraging the High Credit Limit:

• Welcome offers: Large $900 bonus cash back sign-up bonus for eligible cardholders

• Business cash back rewards with a high spending limit:
  • Unlimited 1.5% cash back on purchases
  • Cash back rewards do not expire as long as your account is open

The welcome offer for this Chase business card requires substantial spending, and a high credit limit makes it easier to reach that target. If you do, you'll be rewarded with an equally substantial welcome bonus. Making it even better is this card's 0% intro APR on purchases for the first 12 months, giving you time to pay off any large business expenses.

Ink Business Preferred? Credit Card: Estimated Credit Limit Range: $5,000-$25,000

Our rating: 4.50/5.00 stars. Cardholder Review Ratings: 58 reviews give it 4.50/5.00 stars.

For business owners in need of a big credit limit, this Chase card is tough to beat. It has a $5,000 minimum credit limit, according to the pricing and terms. The typical limit range likely goes up to $25,000, as the terms also state that anything higher could require additional information. And some cardholders have reported significantly higher limits -- as high as $100,000.

Leveraging the High Credit Limit:

• Welcome offers: Massive sign-up bonus of 100,000 points for eligible cardholders

• Business rewards points with a high limit:
  • 3x points in several business spending categories
  • 1 point per $1 on other purchases
  • Points do not expire as long as the account is open

With most credit cards, a generous credit limit is a nice extra. With this Chase business card, it makes the card significantly more valuable. A high credit limit allows you to more easily spend enough to earn the huge welcome bonus, and you'll also be able to maximize all those useful bonus categories.

High Limit Credit Card Ratings Methodology

Our high limit credit card evaluation started with cards that offer high minimum credit limits, as well as high maximum credit limits. We also took into account the breadth and exclusivity of each product's standard card rewards programs, in addition to brand reputation for customer sentiment and other Motley rating golden rule standards.

So, why no award winner for the best high limit credit card?

While we roll out the red carpet awarding the best credit cards in categories like cash back and travel, there's no best of award trophy on our shelf for "high limit." This isn't us being lazy -- it's because card issuers are a bit shy about sharing their maximum credit limits. They like to personalize, setting credit limits based on personal finance factors like your credit score, income, and debt-to-income ratio. That’s why one person’s credit limit could be vastly different from another’s – heck, a starter card could even flex a higher limit than a fancy rewards card in some cases!

Sure, there are whispers about certain card limits with users sharing their stories on review sites and forums like Reddit and Quora. But remember, these tales are not set in stone. Rather than chasing after the mythical “highest limit” card, we recommend you find the card that fits like a glove for your needs.

The majority of these elite high limit and no limit credit cards come with lifestyle upgrades most of us dream of, and only see in movies.

The best credit cards for high net worth

Here's what we know about these elite cards: First up on our list is likely one of the most well-known status-symbol cards, held by many of the Hollywood and music industry elite, alongside the affluent and business moguls around the world:

American Express Business Centurion Card - no preset credit limit

The American Express Business Centurion Card is likely the most well-known exclusive card. Often called simply the "Black Card," it has been mentioned in TV shows, books, and rap songs. The Centurion Card is made out of anodized titanium, the text is laser-engraved, and it's accented with stainless steel.

Here's what we know about the American Express Business Centurion Card:

• It's invite-only, but you can request an invitation. While the requirements to get the card aren't public knowledge, it's rumored that you need to already be an American Express cardholder, and spend at least $250,000 annually with your American Express cards.
• It has a $10,000 initiation fee and a $5,000 annual fee. Each authorized user costs $5,000 per year.
• There's no preset spending limit. This is a charge card, and the balance must be paid in full each month.
• It offers similar benefits to The Platinum Card? from American Express and features include airport lounge access, elite status with airlines and hotels, and concierge service (select enrollment required, terms apply).

J.P. Morgan Reserve Card - rumored credit limit up to $100,000

The J.P. Morgan Reserve Card is a Chase credit card for select clients, with no published credit limit; rumored to have a top credit limit exceeding $100,000. This card was formerly called the Chase Palladium credit card - its namesake derived from how the card is made from palladium, titanium and 23-karat gold. It is also five-times heavier than what a normal plastic credit card weighs.

Here are the key details on this credit card:

• It's available to clients with at least $10 million in assets with J.P. Morgan Private Bank. Most cardholders have considerably more.
  • Hot tip! If you are a little low on the $10 million in investable assets, check out The Chase Sapphire Reserve? card which boasts a lot of these perks already!
• The annual fee is $595. That's not much more than the Chase Sapphire Reserve?.
• It has a credit limit. Like most credit cards, the credit limit depends on the creditworthiness of the cardholder.
• Hailed as the ultimate travel points credit card. In addition to a United Club membership, you'll also earn a landslide of points for flights, hotels, rental cars, and dining. You'll also get access to elite sports and entertainment events and VIP perks.
• No foreign transaction fees.
• Dedicated client-support phone line.
• Features are very similar to the Chase Sapphire Reserve?. However, cardholders also get a dedicated customer service team and access to more types of airport lounges.

Citi Chairman American Express Card - rumored credit limit up to $300,000

The Citi Chairman American Express Card was designed for high net worth clients of Citi Private Bank.

Details are scarce on this card, but here's what we've found about it:

• It's available by invitation only for Citi clients who meet the minimum asset requirements. Getting an invite is rumored to require a net worth of at least $10 million.
• Several sources report that the annual fee is $500. This would put it in line with one of the top cards Citi used to offer, the Citi Prestige? Card.
• It has a credit limit. There are rumors that the credit limit is $300,000, although this likely depends on the cardholder.
• Coolest Lifestyle Perks:
  • Access to private-jet programs and worldwide airport lounge access
  • Discounts and upgrades at world-class hotels, cruise lines and exclusive spas
  • Complimentary Companion Airfare
• Personal Concierge service

Coutts Silk Card - ?1,000,000 minimum credit line, maximum credit line varies

The Coutts Silk Card is known as the most exclusive card in England. It's also said to be the card of choice for the British royal family.

While this card is open for any member of the Coutts Bank (if you're over 18), you still have to be accepted as a member of the bank, which at minimum, requires that you have 1 million pounds, in addition to many other high net worth eligibility requirements. But once you're in, the invitation-only perks are pretty much unparalleled. Here's more information on the Coutts Silk Card:

• No annual fee. The Coutts Silk Card is a rarity in this regard.
• No foreign transaction fees. This is a competitive edge over the Centurion card.
• It's a charge card with a credit limit. Cardholders must pay off the full balance every month. Coutts bases the credit limit on its credit assessment of the cardholder.
• Some of the top travel and lifestyle benefits:
  • This card offers airport lounge access (there is a fee with each time you access this benefit), flight vouchers, and more travel rewards perks.
  • You get a dedicated Coutts Concierge (which is rumored at 24/7 availability).
  • Shopping discounts at high-class stores across London, New York, Hong Kong, and more.
  • Can get you into many exclusive members-only clubs around the world

Is there a credit card with no limit? Yes! Dubai First Royale Card - absolutely NO credit limit, no credit line exemptions

One of the most, if not the most, prestigious credit cards in the world is The Dubai First Royale Card, which is difficult for even multi-millionaires to get. This high limit credit card is the ultimate in opulence. The card has a white diamond in the center, and its edges are coated with gold.

The specifics of the card are not advertised, nor the perks, but the status of having this card are really what sets this card apart. However, here is what we know about the Dubai First Royale Card:

• Dubai First scouts potential clients. Most cardholders come from royal families or have an extremely high net worth.
• There's absolutely no credit limit. Dubai First has said that all transactions on this card must be approved. We're talking purchasing yachts and anything else that catches the cardholder's eye.
• The annual fee is unknown. It's rumored to have a $2,000 annual fee.
• You'll have a personal lifestyle manager. 24/7 concierge support for end to end white-glove service and access to the most exclusive world travel and event experiences.

Related: Check out The Ascent's guides to:

• Visa concierge service. You'll love the perks they offer.
• Best metal credit cards. Most of the above are metal credit cards, sleek, but heavy!