Best High Limit Credit Cards

Chase Sapphire Preferred® Card

The highest credit card limit is $100,000 from the Chase Sapphire Preferred® Card, according to reports about the card’s maximum limit (and only considering cards available to the general public). But not all applicants who are approved for an account receive a limit that high. It depends on your income, debt and overall creditworthiness. Sapphire Preferred has a minimum credit limit of $5,000, though many cardholders report receiving a credit limit of $10,000 to $15,000 or even higher.

The Chase Sapphire Preferred Card also happens to be the best credit card with a high limit overall, considering more than just spending power. It has a big rewards bonus to match its high limit, offering 60,000 points (worth $750 in travel booked through Chase) for spending $4,000 in the first 3 months. Cardholders get 1 - 5 points per $1 on purchases, too. As a result, the Chase Sapphire Preferred Card is a great deal for high-spending frequent travelers, despite its $95 annual fee.
 

Chase Sapphire Reserve®

The Chase Sapphire Reserve Card offers a credit limit of $10,000 or higher, according to its terms and conditions. It also gives cardholders a lot of different ways to save on travel and dining out. That includes an initial bonus of 60,000 points after spending $4,000 in the first 3 months your account is open, along with annual travel credits. High limits and top-shelf travel perks usually come at a cost, though, and Sapphire Reserve is no exception. It has a $550 annual fee.
 

Citi® Double Cash Card – 18 month BT offer

Citi Double Cash is the best cash back credit card with no annual fee. It gives 1% cash back on all purchases, plus 1% when you repay Citi for those purchases, for a total of 2% cash back on everything you buy. The Double Cash Card also has a balance transfer promotion, and the credit limits that users receive tend to be at least in line with what other elite cash back credit cards offer.
 

Chase Freedom Unlimited®

Chase Freedom Unlimited® is one of the best all-around credit cards on the market. It offers a lot of value in rewards, starting with ongoing earning rates of 5% cash back on travel booked through Chase, 3% cash back at restaurants, and on drugstore purchases, and 1.5% cash back on all other purchases. The Freedom Unlimited card also offers an extra 1.5% cash back on everything you buy, up to $20,000 spent in the first year. It can also save users a lot in interest, offering introductory APRs of 0% for 15 months on new purchases and balance transfers. There’s a $0 annual fee, too. With standout terms and a spending limit that will be respectable, at the very least, the Freedom Unlimited Card is an excellent option for people with good credit or better.
 

Wells Fargo Reflect® Card

The Wells Fargo Reflect® Card is one of the best balance transfer credit cards on the market. It offers an introductory APR of 0% for 21 months from account opening on qualifying balance transfers, along with a balance transfer fee of 5% (min $5). Its regular APR is 17.99% - 29.99% Variable. It also has a $0 annual fee and the possibility of a relatively high limit for a balance transfer card.
 

Best High Limit Credit Cards Comparison

 

Final Thoughts

In general, travel rewards credit cards tend to have the highest credit limits, with the top tier of offers giving at least $5,000 in spending power to start with. But that’s not a hard-and-fast rule, and not everyone can get approved for one of the best travel credit cards.

Checking your credit score is an important step toward finding the highest limit card that you can get approved for. 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.

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