Bogdan Roberts, Credit Cards Moderator
@bogdan_roberts
The best high-limit credit card for excellent credit is the Chase Sapphire Reserve® 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.
Chase Sapphire Reserve also has a bonus of 60,000 bonus points for spending $4,000 in the first 3 months. In addition, cardholders can earn 1 - 10 points per $1 spent on purchases. The annual fee is $550.
Here are some of the best high-limit credit cards for excellent credit:
Minimum Credit Limit: $10,000
Initial Bonus: 60,000 bonus points for spending $4,000 in the first 3 months
Ongoing Rewards: 1 - 10 points per $1 spent on purchases
Annual Fee: $550
Minimum Credit Limit: $10,000
Ongoing Rewards: 1.5 - 2.5%* cash back on purchases
Annual Fee: $0
Minimum Credit Limit: $5,000
Initial Bonus: 60,000 bonus points for spending $4,000 in the first 3 months
Ongoing Rewards: 1 - 5 points per $1 spent on purchases
Annual Fee: $95
Minimum Credit Limit: $2,000
Initial Bonus: 60,000 points for spending $4,000 in the first 3 months
Ongoing Rewards: 1 - 3 points per $1 spent on purchases
Annual Fee: $95
Minimum Credit Limit: $1,500
Initial Bonus: 50,000 points for spending $3,000 in the first 90 days
Ongoing Rewards: 1.5 - 2 points per $1 spent on purchases
Annual Fee: $95
Minimum Credit Limit: $1,000
Intro APR: 0% for up to 21 months from account opening on purchases and qualifying balance transfers
Regular APR: 17.74% - 29.74% Variable
Balance Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Annual Fee: $0
Alternatively, you could consider charge cards as they generally either have higher spending limits than regular credit cards, or don’t have don’t have preset spending limits at all. But they do require you to pay your balance in full every month and attract considerable late fees if you fail to do so.
Keep in mind that not all issuers list their minimum credit limits in their terms and conditions. Your credit limit could be higher than the minimum listed, based on your creditworthiness and other factors including employment, housing information and debt. Users report credit limits upward of $100,000 for some of these cards, but such claims are anecdotal, 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.

2023's Best High Limit Credit Cards
Compare CardsChip Lupo, Credit Card Writer
@CLoop
The term “high limit” is relative. A high-limit credit card for excellent credit generally means a limit of $5,000 and above. However, a high limit for someone with fair or limited credit will be significantly less than for someone with excellent credit. And even if you have excellent credit, there’s no guarantee you’ll land a credit limit above a card’s minimum. Factors such as income, employment, housing information and existing debt, along with the specifics of your credit history, ultimately determine if you can reasonably afford a high-limit credit card.
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