Bogdan Roberts, Credit Cards Moderator
@bogdan_roberts
The Chase Sapphire Preferred credit limit is $5,000, at a minimum. But some cardholders can get a credit limit higher than that. Plenty of Chase Sapphire Preferred cardholders report limits of at least $10,000, and some say they have a limit of $20,000 or more. Chase doesn’t publicly disclose the Chase Sapphire Preferred maximum credit limit.
What you should know about the Chase Sapphire Preferred credit limit:
- The credit limit you get on your Chase Sapphire Preferred will depend mainly on your credit score, income, and other existing debts, along with your credit utilization.
- The closer to perfect your credit is and the more money you make relative to what you owe, the higher credit limit you can expect.
- You can also ask for a Chase Sapphire Preferred credit limit increase by calling the number on the back of your card. However, there is no guarantee you’ll be approved. You should also note that credit limit increase requests will trigger hard pulls, which can temporarily hurt your credit score.
- To increase your chances of approval, it’s best to make sure you’ve paid the bill on time for at least six straight months.
Not many cards have minimum credit limits higher than Chase Sapphire Preferred’s, but Chase Sapphire Reserve® is one of them. Chase Sapphire Reserve’s limit is $10,000 or more.
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Jennifer, Member
@jennifersparber33
My initial limit was 18,600 and they do increase periodically.
People also ask
What are my Chase Sapphire Preferred credit card approval odds?
Your Chase Sapphire Preferred card approval odds are good if you have a credit score of 700+, which is considered good credit. Approval odds for the Chase Sapphire Preferred card will also be influenced by your annual income and existing debts. Applicants will need to be 18+ years old with a U.S. mailing address and an SSN or ITIN, as well.
What You Need for Good Chase Sapphire Preferred Card Approval Odds
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How do you get approved for a high limit credit card?
To get approved for a high limit credit card, you will need good to excellent credit and proof that you can afford a high spending limit. More specifically, your credit limit will be determined by several factors, including your income, assets, and existing debt obligations. Picking the right credit card goes a long way, too.
4 Steps on How to Get Approved for a High Limit Credit Card
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read full answer by Chip Lupo, Credit Card WriterDid we answer your question?
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Chase Shapire preferred card my limit started at $9000 with transition 735 through CK Experian right below 700.. 1year latter asked for credit limit increase. My score dropped over the year to 715 and 685-ish and was using over 50% on the chase card.. chase bumped me up to $18,400 CL… spent an average of $2-3000 a month on the card before my credit limit increase.