Rhonda Stewart, WalletHub Loans Analyst
@rhonda
One of the easiest high limit credit cards to get is the Citi Double Cash® Card. This card offers a minimum credit limit of $500 and cardholders report getting a higher starting credit limit as well, depending on the overall creditworthiness. The Citi Double Cash Card has a $0 annual fee and require at least good credit for approval.
Easiest High Limit Credit Cards to Get
Keep in mind that most high limit credit cards require at least good credit for approval, so if you’re in the market for a card that's easier to get but still offers a high limit, you should also consider secured credit cards, such as the First Tech Federal Credit Union Platinum Secured Mastercard®. This card’s credit limit is the amount of your security deposit, which is $500 at a minimum, but the issuer allows you to put down up to $25,000. The First Tech Platinum Secured Mastercard accepts applicants with bad credit. Anyone who works for one of the credit union’s 900+ partner companies—like Amazon, Microsoft, Intel and more—can join First Tech Credit Union for free. Anyone who lives or works in Lane County, Oregon or belongs to the Computer History Museum or to the Financial Fitness Association can join too.
Note that only some credit cards list their minimum credit limits in the terms and conditions. With an unsecured credit card, your credit limit will be primarily set by your creditworthiness. So, if you are in the lower end of the spectrum of credit, it is best to aim for a secured credit card as the deposit you put down will generally act as your credit limit.
If you use your credit card responsibly, by making your payments on time and keeping your credit utilization low, you will eventually improve your credit score. This way you will be able to apply for one of the best high limit credit cards on the market.
Mia Collins, Member
@miacollins
Check to see what you’re preapproved for, from all the big banks and some key smaller issuers, and compare their minimum limits if they don’t quote you something custom.
Amelia Scott, Member
@ameliascott
Your main bank will often give the highest limits. Wells Fargo gave me $20K on the Autograph with just a 770 score because I'd been depositing my paycheck there for years. Same goes for Bank of America - their Cash Rewards card frequently starts at $15K+ for existing customers. Always check where you bank first!
People also ask
What are the best guaranteed approval credit cards with $5,000 limits?
The Bank of America® Travel Rewards Secured Credit Card is the best credit card with nearly guaranteed approval that can give you a $5,000 credit limit. It accepts applicants with bad credit, and you can place a refundable security deposit of up to $5,000 for a credit limit equal to the amount you put down. The Bank of America® Travel Rewards Secured Credit Card also gives 1.5 points per $1 spent on purchases, and it has a $0 annual fee.
In general, your chances of being approved for a $5,000 limit...
read full answer by Maria Adams, Credit Cards ModeratorWhat is the easiest credit card to get a high limit on with fair credit?
The Upgrade Cash Rewards Visa® is the easiest high limit credit card to get with fair credit. It offers applicants with a credit score of 640 or higher a credit limit from $500 to $50,000 and reports monthly to the three major credit bureaus. The Upgrade Cash Rewards Card also offers 1.5% cash back on all purchases, credited when you pay your bill and a $0 annual fee.
Easiest High Limit Credit Cards to Get with Fair Credit
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People with fair credit have few options for high limit credit cards, as the cards...
read full answer by Chip Lupo, Credit Card WriterWhat is the highest credit card limit you can get?
The highest credit card limit you can get is over $100,000, according to cardholder reports. To qualify for a $100,000+ credit limit, you need to choose the right card and have substantial assets and income, minimal debt, and a strong credit profile.
Some of the Highest Credit Card Limits of 2025
- Chase Sapphire Reserve®: $10,000+ credit limit
- Chase Sapphire Preferred® Card: $5,000+ credit limit
- Wells Fargo Reflect® Card: $1,000+ credit limit
- Wells Fargo Active Cash® Card: $1,000+ credit limit
- Chase Freedom Unlimited®: $500+ credit limit...
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