Maria Adams, Credit Cards Moderator
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 CardsCompare Cards
Ajibade Adebiyi Jr, Member
- 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
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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