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.
Chase Sapphire Preferred® Card
Jennifer, Member
@jennifersparber33
My initial limit was 18,600 and they do increase periodically.
People also ask
How much is the starting Chase credit card credit limit?
The starting Chase credit card credit limit varies by card and it could be as low as $500 or as high as $35,000+, depending on the card and your overall credit standing. The issuer, though, only discloses the minimum credit limits for each of their cards. One of the Chase credit cards with the highest starting limit is the Chase Sapphire Reserve® Card, which has a minimum credit limit of $10,000. The Chase Freedom Flex℠ card’s minimum credit limit, on the...
read full answerWhat credit score do you need for the Chase Sapphire Preferred card?
Applicants for the Chase Sapphire Preferred card need a credit score of 700 or higher for good approval odds. This card requires at least good credit to qualify, and the higher your credit score is, the better your approval odds will be.
You can check your latest credit score for free on WalletHub to see where you stand.
It’s important to note that while your credit score is an important factor in determining whether or not you will be approved for...
read full answerHow do I get a Chase Sapphire Preferred credit limit increase?
To get a Chase Sapphire Preferred credit limit increase, call Chase at (800) 945-2000 and ask a representative for a higher limit. You can also request one online through the Secure Message Center. Alternatively, you may also get a Chase Sapphire Preferred increase without asking, if your account is in good standing.
To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the...
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