What credit limit can I get with a 750 credit score?

The credit limit you can get with a 750 credit score is likely in the $1,000-$15,000 range, but a higher limit is possible. The reason for the big range is that credit limits aren’t solely determined by your credit score. They are largely based on your annual income, existing debt and other payment obligations, along with your personal credit history.

As part of assessing your risk as a borrower, card issuers look at your credit report to gain insight into how you’ve handled credit in the past. They also look at your income and your current obligations to decide what limit you can afford. Limits can vary depending on which credit card you’re applying for, too.

If you want to estimate what kind of credit limit you’ll get, you should start with your income. If the card issuer requires a monthly payment of 5% of your balance, and your disposable monthly income is $500, you could get a credit limit in the $10,000 range ($500 / 5% = $10,000). So while your credit score may get you approved for the card, it isn’t the ultimate factor in what credit limit you’ll get.

Some credit cards have minimum credit limits, so if you get approved for one, you’re guaranteed a certain credit limit. Cards like this include Chase Sapphire Reserve (min. $10,000), Capital One Venture (min. $5,000), and Chase Sapphire Preferred (min. $5,000). A credit score of 750 will qualify you for any of these cards, though other factors can influence your approval odds, and what credit limit you receive upon approval.