Christie Matherne, Credit Card Writer
@christie_matherne
The best credit card for a $20,000 credit limit is the Chase Sapphire Reserve card because it offers 1 - 8 points per $1 spent on purchases. The Chase Sapphire Reserve card only guarantees a minimum credit limit of $10,000, though cardholder reports indicate a limit of $20,000 is possible.
If necessary, you can also request a credit line increase later on to reach your desired credit limit. You will need at least excellent credit to be approved for the card.
Best Credit Cards with a $20,000 Credit Limit
- Rates & Fees High Initial Credit Limit: Chase Sapphire Reserve®Learn MoreLearn Moreon issuer's website
- Rates & Fees High Initial Credit Limit: Chase Sapphire Reserve®Learn MoreLearn Moreon issuer's website
- High Initial Credit Limit: Chase Sapphire Reserve®Learn MoreLearn More
- Rates & Fees Travel Rewards: Chase Sapphire Preferred® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Travel Rewards: Chase Sapphire Preferred® CardLearn MoreLearn Moreon issuer's website
- Travel Rewards: Chase Sapphire Preferred® CardLearn MoreLearn More
- Excellent Credit: TD First Class Visa Signature® Credit CardLearn MoreLearn More
- Excellent Credit: TD First Class Visa Signature® Credit CardLearn MoreLearn Moreon issuer's website
- Excellent Credit: TD First Class Visa Signature® Credit CardLearn MoreLearn More
- Airline Rewards: United Club℠ CardLearn MoreLearn More
- Airline Rewards: United Club℠ CardLearn MoreLearn Moreon issuer's website
- Airline Rewards: United Club℠ CardLearn MoreLearn More
- Business: Ink Business Premier® Credit CardLearn MoreLearn More
- Business: Ink Business Premier® Credit CardLearn MoreLearn Moreon issuer's website
- Business: Ink Business Premier® Credit CardLearn MoreLearn More
- High Initial Credit Limit:
- Travel Rewards:
- Excellent Credit:
- Airline Rewards:
- Business:
It’s important to remember that all of the cards above have minimum credit limits lower than $20,000. You are unlikely to find any credit card offers that guarantee a starting credit line as high as $20,000. Most cards have minimum credit limits below $10,000.
For more options, you can compare the best high limit credit card offers of 2025 on WalletHub.
People also ask
How do I get a $20K credit limit?
To get a $20K credit limit, it's essential to have a good to excellent credit score and a substantial income (about $150,000), according to WalletHub’s insights on how your credit limit is determined.
How to Achieve a $20K Credit Limit
- Apply for a High-Limit Card. Explore credit cards designed for individuals with good or excellent credit. While there’s probably no card that guarantees a $20K starting limit, there are still cards that offer high credit limits. For example, the Chase Sapphire Reserve® card...
If my credit limit is $20,000, how much should I spend?
If your credit limit is $20,000, you should ideally spend around $200 to $2,000 each month, then pay off your full statement balance by the due date. This will help your credit score increase as fast as possible and allow you to avoid paying interest.
If you can’t manage to spend this little on your card, just strive to keep your spending below 30% of your credit limit. Once your credit utilization exceeds 30%...
read full answer by Adam McCann, Financial WriterWhat's the easiest high limit credit card to get?
One of the easiest high limit credit cards to get is the Upgrade Cash Rewards Visa®. It offers a credit limit that depends on your overall creditworthiness, and you can get approved with just fair credit. The card also has a $0 annual fee, and it rewards cardholders with 1.5% cash back on purchases.
Easiest High Limit Credit Cards to Get
Keep in mind that most high limit credit cards require at least good credit for...
read full answer by Rhonda Stewart, WalletHub Loans AnalystDid we answer your question?
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