WalletHub
Best High-Limit Credit Cards
Selected by WalletHub's editors for February 2026.
The best high limit credit cards offer spending limits of $10,000+ to the most creditworthy applicants.... show more
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Best High Limit Credit Cards of February 2026
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Rates & Fees Overall:
Chase Sapphire Preferred® CardLearn MoreLearn Moreon issuer's website
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Rates & Fees Overall:
Chase Sapphire Preferred® CardLearn MoreLearn Moreon issuer's website
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Overall:
Chase Sapphire Preferred® CardLearn MoreLearn More
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Rates & Fees Rewards and Balance Transfers:
Citi Double Cash® CardLearn MoreLearn Moreon issuer's website
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Rates & Fees Rewards and Balance Transfers:
Citi Double Cash® CardLearn MoreLearn Moreon issuer's website
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Rewards and Balance Transfers:
Citi Double Cash® CardLearn MoreLearn More
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Rates & Fees Luxury Travel:
Chase Sapphire Reserve®Learn MoreLearn Moreon issuer's website
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Rates & Fees Luxury Travel:
Chase Sapphire Reserve®Learn MoreLearn Moreon issuer's website
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Luxury Travel:
Chase Sapphire Reserve®Learn MoreLearn More
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Rates & Fees Long Intro APRs:
Wells Fargo Reflect® CardLearn MoreLearn Moreon issuer's website
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Rates & Fees Long Intro APRs:
Wells Fargo Reflect® CardLearn MoreLearn Moreon issuer's website
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Long Intro APRs:
Wells Fargo Reflect® CardLearn MoreLearn More
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Rates & Fees No Annual Fee:
Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
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Rates & Fees No Annual Fee:
Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
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No Annual Fee:
Chase Freedom Unlimited®Learn MoreLearn More
- Overall:
- Rewards and Balance Transfers:
- Luxury Travel:
- Long Intro APRs:
- No Annual Fee:
FILTER HIGH LIMIT CREDIT CARDS
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- High rewards rate
- 100,000 points initial rewards bonus
- No foreign fee
- High membership fees
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
- $200 initial bonus
- Earn rate: 1.5 - 5% cash back
- 0% for 15 months on purchases and balance transfers
- $0 annual fee
- Balance transfer fee
- Foreign transaction fee
- Potential for a high regular APR
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on qualifying balance transfers
- Reports to the three major credit bureaus
- No rewards
- No initial rewards bonus
- Balance transfer fee
- High regular APR
- 0% intro APR for 12 months on purchases
- 0% intro APR for 21 months on balance transfers
- $0 annual fee
- 5% (min $5) balance transfer fee
- Foreign transaction fee
- High regular APR
- No rewards
- Initial bonus: 75,000 points
- High rewards rate
- No foreign transaction fees
- $95 Annual fee
- 1 point per $1 base earn rate
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
- High regular APR
- Foreign transaction fee
- Balance transfer fee
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Balance transfer fee
- High regular APR
- Requires good/excellent credit
- 60,000 points initial bonus
- High rewards rate
- No foreign-transaction fees
- $95 annual fee
- No 0% intro rates
- High regular APR
- Offers 2% cash back on all purchases
- $0 annual fee
- $200 initial rewards bonus
- Low intro APR on balance transfers
- 3% foreign transaction fee
- High regular APR
- 20,000-point initial bonus
- 3 points / $1 spent in bonus categories
- $0 annual fee
- 0% for 12 months from account opening on purchases intro offer
- $600 in cell phone protection (subject to a $25 deductible)
- 18.49%, 24.49%, or 28.49% Variable regular APR
- No balance transfer promotion
Best High Limit Credit Cards Comparison
| Card Name | Best For: | Credit Limit | Annual Fee |
| Chase Sapphire Preferred® Card | Overall | Credit limit from $5,000 | $95 |
| Citi Double Cash® Card | Cash Back | Credit limit from $500 | $0 |
| Chase Sapphire Reserve® | Highest Limit | Credit limit from $10,000 | $795 |
| Wells Fargo Reflect® Card | Balance Transfers | Credit limit from $1,000 | $0 |
| Chase Freedom Unlimited® | 0% Purchases | Credit limit from $500 | $0 |
The credit cards with the highest limits right now are the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®. In general, the best travel credit cards tend to have high credit limits, with the top tier of offers giving at least $5,000 - $10,000 in spending power to start with.
The best high-limit credit cards also require good credit or better for approval. If you don’t know where you stand, you can check your latest credit score for free on WalletHub.
Methodology for Selecting the Best High Limit Credit Cards
To identify the best high limit credit cards, WalletHub’s editors regularly compare more than 1,500 credit card offers. We consider any credit limits specified in the cards’ terms and conditions, first and foremost, and supplement that information with cardholder reports about credit line amounts.
In addition to credit limits, we consider each cards’ standard terms, primarily their rewards, annual fees, interest rates, and approval requirements. The particular card feature that receives the most weight in our analysis depends on the specific category a card is being selected for. For example, two-year rewards value after fees is the most important metric for rewards cards, while the total cost of repaying a balance of $1,000 to $5,000 over 24 months is crucial to selecting a low interest credit card.
In any case, our selections are meant to maximize cardholder savings while also providing a high spending limit.
About the Author
John S Kiernan
High Limit Credit Cards FAQ
Comparing high limit credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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* The information about the following cards has been independently collected by WalletHub: First Federal Community Bank Business Zero+ Card, Ink Business Premier® Credit Card, TD First Class Visa Signature® Credit Card, United Club℠ Card, Bank of America® Customized Cash Rewards Secured Credit Card, and Rize Credit Union Secured Platinum Credit Card.
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