Maria Adams, Credit Cards Moderator
@m_adams
The highest credit card limit you can get is over $100,000 according to anecdotes from credit card holders. But like most credit cards in general, even the highest-limit credit cards will only list minimum spending limits in their terms. The best high limit credit cards offer spending limits of $10,000 or more.
In order to get $100,000+ in spending power, you need a lot of assets and income, little debt, and a spotless credit history. Let’s look at some of the most popular offers with high floors and, hopefully, even higher ceilings so you can see for yourself.
Highest Credit Card Limits of 2023
| Card Name | Minimum Credit Limit |
| Chase Sapphire Reserve® | $10,000+ |
| Chase Sapphire Preferred® Card | $5,000+ |
| Wells Fargo Reflect® Card | $1,000 minimum |
| The Platinum Card® from American Express | No Pre-Set Spending Limit |
| American Express® Gold Card | No Pre-Set Spending Limit |
| Chase Freedom® Student credit card | $500+ |
Again, keep in mind that most credit cards only disclose minimum credit limits, if that. So, 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.
2023's Best High Limit Credit Cards
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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.
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To get to that number, it's important to know that the average credit score in that age bracket is 650, which is fair credit. Of course, a credit score is not the only factor issuers take into account when determining credit limits. Income and debt play important roles as well, so every amount you may find on the internet should be taken with a...
read full answerHow much is the American Express Black Card credit limit?
The American Express Black Card’s credit limit is determined on a month-to-month basis, and it depends on your overall spending and payment habits. That is because the Amex Black Card – officially known as the Centurion® Card from American Express - is a no preset spending limit (NPSL) card. American Express may also adjust the limit based on your card use.
This is one of the most exclusive credit cards out there, and it's designed for high-spenders.
read full answerHow 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.
How to Get Approved for a High Limit Credit Card
- Apply for a credit card with a...
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