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 points for spending $4,000 in the first 3 months. But it charges an annual fee of $550 too.
Here are some of the best high-limit credit cards for excellent credit:
- Best Overall – Chase Sapphire Reserve: $10,000 minimum credit limit. 60,000 points for spending $4,000 in the first 3 months. $550 annual fee. Excellent credit required.
- Best for travel with added versatility - Chase Sapphire Preferred: $5,000 minimum credit limit. 60,000 points for spending $4,000 in the first 3 months. 5 points per $1 spent on travel purchased through Chase, 2 points per $1 on all other travel purchases, 3 points per $1 on dining and online grocery purchases, 3 points per $1 on select streaming services, and 1 point per $1 on all other purchases. $95 annual fee. Good credit or better required.
- Best for cash back – Citi® Double Cash Card – 18 month BT offer: $500 minimum credit limit. 2% cash back on every purchase – half when you make a purchase and the other half as you pay for it. $0 annual fee. Good credit required.
- Best for financing – Wells Fargo Platinum card: $1,000 minimum credit limit. Introductory purchase APR of 0% for 18 months matched by an introductory APR of 0% for 18 months on qualifying balance transfers, with a 3% intro for 120 days, then up to 5% (min $5). $0 annual fee. Good credit required.
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.

2022'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.
People also ask
Did we answer your question?