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Best High Limit Credit Cards
WalletHub makes it easy to find credit cards with high limits.
The best high limit credit cards offer spending limits of $10,000 or more to the most creditworthy applicants. But each person’s idea of a “high” credit limit may differ depending on their credit score, income and expenses … show more
show lessBest High Limit Credit Cards of May 2022
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Wells Fargo Reflect℠ Card Wells Fargo Reflect℠ Card
- 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 rewards bonus
- Balance transfer fee
- Foreign fee
- 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 13.74% to 25.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5
- $0 Annual Fee
- Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
- Through My Wells Fargo Deals, you can earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your eligible Wells Fargo Credit Card
- Select "Apply Now" to learn more about the product features, terms and conditions
- See More Details & Reviews About TheWells Fargo Reflect℠ Card
Wells Fargo Active Cash® Card Wells Fargo Active Cash® Card
- Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- No categories to track or remember and cash rewards don't expire as long as your account remains open
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
- High regular APR
- Foreign transaction fee
- Balance transfer fee
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 15.74%, 20.74%, or 25.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee
- Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash® Card
- Select "Apply Now" to learn more about the product features, terms and conditions
- See More Details & Reviews About TheWells Fargo Active Cash® Card
BankAmericard® credit card BankAmericard® credit card

- $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.
- Low balance transfer intro APR for 18 billing cycles
- Low purchase intro APR for 18 billing cycles
- No annual fee
- $100 initial rewards bonus
- Balance transfer fee of 3% (min $10)
- Very high regular APR
- Excellent credit required
- 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.24% - 23.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
- See More Details & Reviews About TheBankAmericard® credit card
Bank of America® Unlimited Cash Rewards credit card Bank of America® Unlimited Cash Rewards credit card

- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn unlimited 1.5% cash back on all purchases.
- If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn up to 2.62% cash back on every purchase.
- No limit to the amount of cash back you can earn and cash rewards don’t expire.
- $200 initial bonus (online exclusive)
- 1.5% cash back on all purchases
- No annual fee
- Low intro APRs
- Potential for a very high regular APR
- 3% foreign transaction fee
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.24% - 24.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- No annual fee.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
- See More Details & Reviews About TheBank of America® Unlimited Cash Rewards credit card
Bank of America® Customized Cash Rewards credit card Bank of America® Customized Cash Rewards credit card

- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- $200 initial bonus (online exclusive)
- Up to 3% cash back
- No annual fee
- Potential for a very high regular APR
- 3% foreign-transaction fee
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.24% - 24.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
- See More Details & Reviews About TheBank of America® Customized Cash Rewards credit card
Bank of America® Travel Rewards credit card Bank of America® Travel Rewards credit card

- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase. That means you could earn up to 2.62 points for every $1 spent.
- 25,000 points initial bonus ($250 in travel)
- 1.5 points / $1 spent
- No annual fee or foreign transaction fees
- User-friendly travel rewards redemption
- Very high regular APR
- Requires excellent credit
- 0% Introductory APR for 15 billing cycles for purchases. After the intro APR offer ends, 14.24% - 24.24% Variable APR will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
- See More Details & Reviews About TheBank of America® Travel Rewards credit card
Chase Slate Edge℠ Chase Slate Edge℠

- 0% for 18 months on purchases and balance transfers
- $0 annual fee
- High regular APR likely
- Balance transfer fee
- Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 15.24% - 23.99% on balance transfers and purchases after the introductory period ends.
- Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
- Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
- All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate Edge℠ card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
- See More Details & Reviews About TheChase Slate Edge℠
Citi® Double Cash Card – 18 month BT offer Citi® Double Cash Card – 18 month BT offer

- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Offers 2% cash back
- $0 annual fee
- Multiple redemption options
- Low intro APR on balance transfers
- No initial rewards bonus
- 3% foreign transaction fee
- Must have at least $25 in rewards to redeem
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See More Details & Reviews About TheCiti® Double Cash Card – 18 month BT offer
Chase Freedom Unlimited® Chase Freedom Unlimited®

- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 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
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.24% - 23.99%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- See More Details & Reviews About TheChase Freedom Unlimited®
Citi Custom Cash℠ Card Citi Custom Cash℠ Card

- Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- $200 initial bonus
- $0 annual fee
- Up to 5% cash back
- 0% introductory APRs
- Bonus rewards limit
- High regular APR
- Foreign transaction fee
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
- No Annual Fee
- Citi will only issue one Citi Custom Cash℠ Card account per person.
- See More Details & Reviews About TheCiti Custom Cash℠ Card
5 Best High Limit Credit Cards in 2022
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 80,000 points (worth $1,000 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 50,000 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 up to 21 months from account opening on qualifying balance transfers, along with a balance transfer fee of 3% intro for 120 days, then up to 5% (min $5). The standard offer of 0% introductory APRs for 18 months from account opening on purchases and qualifying balance transfers can be extended by up to 3 months for paying on time. Its regular APR is 13.74% - 25.74% 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
Card Name | Best For: | Credit Limit |
Chase Sapphire Preferred® Card | Overall | Credit limit from $5,000 |
Citi® Double Cash Card – 18 month BT offer | Cash Back | Credit limit from $500 |
Chase Sapphire Reserve® | Highest Limit | Credit limit from $10,000 |
Wells Fargo Reflect℠ Card | Balance Transfers | Credit limit from $1,000 |
Chase Freedom Unlimited® | 0% Purchases | Credit limit from $500 |
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.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
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.show more
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