Lawrence Stone, Former bank manager
@lawrence50
The best credit card with a $20,000 limit is the Chase Sapphire Reserve®, which has a $10,000 minimum credit limit. If Chase thinks you can handle twice that much spending power, you could be approved for $20k. There are several other good candidates, too.
You could get approved for a credit card with a $20,000 limit if you have excellent credit, a lot of income, and very little debt. But there are no credit cards with $20,000 limits guaranteed as a minimum.
Here are the best credit cards with $20,000 limit potential:
- Chase Sapphire Reserve®: $10,000 minimum limit. 50,000 points bonus when you spend $4,000 in the first 3 months. 3 points per $1 on travel and dining and 1 on everything else. Points worth 50% more when redeemed for travel through Chase Ultimate Rewards. $300 annual travel credit. $550 annual fee. Requires excellent credit.
- Chase Sapphire Preferred® Card: $5,000 minimum limit. 60,000 points bonus when you spend $4,000 in the first 3 months. 2 points per $1 on travel and dining and 1 on everything else. Points worth 25% more when redeemed for travel through Chase Ultimate Rewards. $95 annual fee. Requires good credit.
- Capital One Venture Rewards Credit Card: $5,000 minimum limit. 60,000 miles when you spend $3,000 in the first 3 months. 2 miles per $1 on all purchases. $95 annual fee. Requires good credit.
- Ink Business Preferred® Credit Card: $5,000 minimum limit. 100,000 points bonus when you spend $15,000 in the first 3 months. 3 points per $1 on the first $150,000 spent annually on travel and select business categories. 1 per $1 on all other purchases. $95 annual fee. Requires good credit.
If you’re not able to get a credit card with a $20,000 limit right away, you can always call your issuer to request a credit limit increase after 6 months. And you can always get more total credit by applying for another credit card, though you should probably wait a year in between.

2021's Best High Limit Credit Cards
Compare CardsYanna Greggs, Member
@yanna_greggs
There are several credit cards that have the potential to offer a $20,000 limit. Some of these are: The Chase Sapphire Preferred® Card and the Capital One Venture Rewards Credit Card credit card. However, you'd need both good or excellent credit and a very high income among other things, in order to get approved for that limit.
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