Bogdan Roberts, Credit Cards Moderator
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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
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My initial limit was 18,600 and they do increase periodically.
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