Chip Lupo, Credit Card Writer
@CLoop
A $12,000 credit limit is good if you have fair to good credit, as it is well above the lowest limits on the market but still far below the highest. The average credit card limit overall is around $13,000. You typically need good or excellent credit, a high income and little to no existing debt to get a limit that high.
Best High Limit Credit Cards
- Rates & Fees Best Overall: Chase Sapphire Preferred® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Best Overall: Chase Sapphire Preferred® CardLearn MoreLearn Moreon issuer's website
- Best Overall: Chase Sapphire Preferred® CardLearn MoreLearn More
- Rates & Fees Highest Limit: Chase Sapphire Reserve®Learn MoreLearn Moreon issuer's website
- Rates & Fees Highest Limit: Chase Sapphire Reserve®Learn MoreLearn Moreon issuer's website
- Highest Limit: Chase Sapphire Reserve®Learn MoreLearn More
- Rates & Fees No Annual Fee: Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
- Rates & Fees No Annual Fee: Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
- No Annual Fee: Chase Freedom Unlimited®Learn MoreLearn More
- Rates & Fees Cash Back: Citi Double Cash® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Cash Back: Citi Double Cash® CardLearn MoreLearn Moreon issuer's website
- Cash Back: Citi Double Cash® CardLearn MoreLearn More
- Rates & Fees Low Intro APR: Wells Fargo Reflect® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Low Intro APR: Wells Fargo Reflect® CardLearn MoreLearn Moreon issuer's website
- Low Intro APR: Wells Fargo Reflect® CardLearn MoreLearn More
- Best Overall:
- Highest Limit:
- No Annual Fee:
- Cash Back:
- Low Intro APR:
High limit credit cards tend to be available to people with good or excellent credit, but even if you have a credit card with a relatively low credit limit, it can be helpful for your credit score as long as you use the account responsibly. Plus, after six months or more of on-time payments, you can generally ask for a credit limit increase.
People also ask
What should my credit limit be?
Your credit limit should be at least 3 times higher than your usual monthly spending. That's because your overall credit utilization ratio should stay below 30%. If your spending exceeds that, you risk damaging your credit score. That's why it's important to know what credit cards usually offer as a credit limit before applying for one.
What you should know about credit card credit limits:
- Credit card limits can be as low as $200.
- ...
What is a credit limit on a credit card?
A credit limit on a credit card is the maximum dollar amount a cardholder can access for purchases, balance transfers, cash advances, fees and interest charges combined. Though credit card cash advances have their own credit limit, that limit is part of the overall credit limit.
A credit card’s limit is determined when the credit card applicant is first approved for an account, and it’s based on the applicant’s credit history, annual income, current...
read full answer by WalletHub, Financial CompanyWhat is the highest credit card limit you can get?
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...
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