The best high-limit credit card for excellent credit is the Chase Sapphire Reserve card because new cardholders start with a credit limit of $10,000 or more. The stronger your credit profile is, the more likely you are to get a credit limit higher than $10,000. Sapphire Reserve also has a bonus of 50,000 points for spending $4,000 in the first 3 months. But it charges an annual fee of $550 too.
If you’re looking for a cheaper high limit credit card for your excellent credit score, the Chase Sapphire Preferred card has a $5,000 minimum credit limit, great rewards, and a $95 annual fee that’s waived for the first year.
Reports from cardholders suggest that Sapphire Preferred and Reserve occasionally offer credit limits as high as $75,000 - $100,000 and up. Such claims are anecdotal, though, so you can’t count on a limit that high. That’s one reason why you shouldn’t apply for cards just for the highest possible credit limits. Instead, assess all of a card’s features and any fees it may charge to find the right fit.