What is the best credit card with a $20,000 limit?

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. The best you’ll find is the Chase Sapphire Reserve Card, 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.

Here are the best credit cards with $20,000 limit potential:

• Chase Sapphire Reserve: $10,000 minimum limit. 50,000 bonus points 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. $450 annual fee. Requires excellent credit.
  
• Chase Sapphire Preferred: $5,000 minimum limit. 50,000 bonus points 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, waived the first year. Requires excellent credit.
  
• Capital One Venture: $5,000 minimum limit. 50,000 miles when you spend $3,000 in the first 3 months. 2 miles per $1 on all purchases. $95 annual fee, waived the first year. Requires good credit.
  
• Chase Ink Business Preferred: $5,000 minimum limit. 80,000 bonus points when you spend $5,000 in the first 3 months. 3 points per $1 on the first $100,000 annually on travel and select business categories. 1 per $1 on all other purchases. $95 annual fee. Requires excellent 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.

There are several credit cards that have the potential to offer a $20,000 limit. Some of these are: the Chase Sapphire Preferred and the Capital One Venture Rewards credit card. However, you'd need both excellent credit and a very high income among other things, in order to get approved for that limit.