Your Chase Sapphire Reserve credit limit will be at least $10,000 but could be a lot higher, depending on how excellent your credit is and how much money you have. Sapphire Reserve’s minimum spending limit is large compared to what most credit cards will give you, even other popular cards for people with excellent credit. Chase Sapphire Preferred’s minimum credit limit is $5,000, for example, and Citi ThankYou Premier gives you at least $1,000.
Like other credit card companies, Chase doesn’t disclose a maximum credit limit, although they might have one that’s kept secret. I’ve seen people claim they received several times the minimum Sapphire Reserve credit limit. But you’ll have to do more than just meet the minimum requirements to get that much money.
Here’s how to get a good Chase Sapphire Reserve credit limit:
- Keep working on your score. You may get approved for Chase Sapphire Reserve with a credit score in the 700s, but you probably shouldn’t expect much more than the minimum credit limit. The higher your score, the better chance of a high limit. Try aiming for 800+.
- Raise your income. This is easier said than done for sure. But your income is a huge factor in how big your credit limit is. The more money you’re taking in, the more you can afford to spend. So try asking for that raise or do some extra work on the side.
- Try to get an increase. You can call Chase to ask for a credit limit increase if you’ve had your card for at least six months with no late payments. If you ask for an increase, Chase will do a hard pull of your credit to check your eligibility. That will temporarily hurt your score. So don’t do it right before you apply for another credit card, auto loan or mortgage.
Overall, a $10,000 minimum Chase Sapphire Reserve credit limit isn’t too shabby – not in the least. It’s more than you’re guaranteed on most credit cards. And it’s always possible to get more than that when you apply or to increase your limit later on.