Maria Adams, Credit Cards Moderator
@m_adams
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
- Citi Double Cash® Card: $500+ credit limit
Like most credit cards in general, even the highest-limit credit cards will only list minimum spending limits in their terms, if that. So, even though the best high limit credit cards offer minimum spending limits of just $5,000 - $10,000, your limit could be a lot higher based on your creditworthiness.
In order to have a better chance of getting the highest credit card limit possible in your situation, you should make sure to always pay bills on time, use 30% or less of your available credit, pay down your debts, save money for the future, and otherwise make good financial decisions.
Olivia Martinez, Member
@olivia_m23
I've seen people get $100K+ limits from Bank of America and Navy Fed, but they usually have years of perfect credit and high income.
Ajibade Adebiyi Jr, Member
@3pleA2020
- A lot of cards with high limits usually have an annual fee. In my opinion, exchanging $80-$95 in annual fee for $15k-$20k credit line + rewards is worth it as the rewards you earn will more than offset the annual fee as long as the annual fee isn't too high.
- Also, look for VISA signature or Master Card World Elite cards. They tend to offer higher credit limits as they also require you to spend at least $2k-$3k to earn your rewards.
- Lastly, cards that require excellent credit typically also offers higher credit limits.
Phyllis B, Member
@phyllisbach
For a regular one, or business? I mean, you can't really know for sure, but it makes sense the business cards have the highest ones.
Daniel Wright, Member
@dwright_dev
From what I’ve gathered, there’s no single "highest" limit - it’s all about the issuer’s mood that day and your profile. One person might get $11K from Discover, another $37.5K from Amex. The trick? Start with a card that fits your spending (high annual fee = higher limits), then request increases every 6-12 months. Oh, and always update your income - it helps!
Nicholas Torres, Member
@ntorres_gaming
For normal people, maybe $20,000-$50,000. But if you are very rich, maybe $100,000 or more.
Other things I have noticed:
- Visa Signature or Mastercard World Elite often start with $5,000+ limit
- Annual fee cards (like Chase Sapphire) give higher limits
- Credit unions (Navy Fed, PenFed) more generous than big banks
- Bank of America and Navy Federal give big limits if you have a good income and credit score.
Theresa P, Member
@TheresaP55
Technically, credit card limits can exceed $100k for top-tier applicants, but most people won’t sniff that. Most max out at $20k-$40k unless they’re ultra-high-net-worth.
If you really want a high limit, focus on:
- Cards with high minimums (e.g., Chase Sapphire Reserve’s $10k floor)
- Credit unions like Navy Fed/PenFed (they’re limit-happy)
- Avoiding Capital One if you want growth (they’re stingy)
Visa Signature/World Elite cards also tend to have high floors.
People also ask
How do you get approved for a high limit credit card?
To get approved for a high limit credit card, you will need good to excellent credit and proof that you can afford a high spending limit. More specifically, your credit limit will be determined by several factors, including your income, assets, and existing debt obligations. Picking the right credit card goes a long way, too.
4 Steps on How to Get Approved for a High Limit Credit Card
1. Improve your credit score:
High limit...
read full answer by Chip Lupo, Credit Card WriterWhat are the best credit cards with a $100,000 credit limit?
The best credit card that is rumored to have a $100,000 credit limit is the Chase Sapphire Preferred® Card. While Chase does not publicly disclose the highest credit line available for the card, there are online reports of people getting around $100,000 in spending power, or even more. The Chase Sapphire Preferred also offers 1 - 5 points per $1 spent on purchases and gives new cardholders 75,000 points for spending $5,000 on purchases in the first 3 months.
It's important to remember that the Chase Sapphire Preferred card only guarantees a minimum credit line of $5,000...
read full answer by Christie Matherne, Credit Card WriterIs $30,000 a high credit card limit?
Yes, $30,000 is a high credit card limit. Generally, a high credit card limit is considered to be $5,000 or more, and you will likely need good or excellent credit, along with a solid income, to get a limit of $30,000 or higher.
Best High-Limit Credit Cards
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You can learn more about the best high-limit credit cards on WalletHub. In addition, remember that even if you start off with a credit limit below $30,000, that’s...
read full answer by Adam McCann, Financial WriterDid we answer your question?
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