Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
Most credit cards are assigned a fixed credit limit when you open the account. This line of credit can be anywhere from $200 to tens of thousands of dollars. In most cases, you can't spend more than your limit.
You can qualify for a higher limit with almost any credit card if you have a good or excellent credit score and a stable income. Some high-limit cards also require you to be able to qualify for at least a $5,000+ credit limit just to be approved.
Below, we evaluate the best high-limit credit cards, how you can get a high-limit card and options for those who don't yet qualify.
Best high-limit credit cards
- Best for travel rewards: Chase Sapphire Preferred® Card (see rates and fees)
- Best for insurance benefits: Chase Sapphire Reserve® (see rates and fees)
- Best for luxury perks: American Express Platinum Card®
- Best for cash back: Chase Freedom Unlimited® (see rates and fees)
- Best for limited credit: Capital One QuicksilverOne Cash Rewards Credit Card
- Best for secured credit: Platinum Secured Mastercard® from First Tech Federal Credit Union
- Best for businesses: Ink Business Premier® Credit Card
Best for travel rewards
Who's this for? The Chase Sapphire Preferred® Card is a high-powered travel credit card loaded with perks and a reasonable annual fee. You'll receive an Annual Chase Travel Hotel Credit worth up to $50 toward hotel stays you book through Chase Travel℠. You'll also receive a 10% points bonus (based on your spending the previous year) after every account anniversary.
Estimated credit limit range: As a Visa Signature-branded credit card, you can typically expect a starting credit limit of $5,000 or more. Credit Karma user data suggests the average limit for the Chase Sapphire Preferred is over $10,000. However, it may be possible for well-qualified applicants to get a much higher limit.
The Chase Sapphire Preferred® Card packs a punch for a $95 annual fee card, offering annual travel credits, comprehensive travel protections and more.
- You can transfer rewards to all of Chase's travel partners including World of Hyatt, Southwest Rapid Rewards and many more
- Long list of travel and shopping protections
- $50 annual Chase Travel hotel credit
- Has an annual fee
- Requires a high credit score
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase TravelSM, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase TravelSM
- 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Offers in this section are from affiliate partners and selected based on a combination of engagement, product relevance, compensation, and consistent availability.
$0
With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
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Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
Best for insurance benefits
Who's this for? The Chase Sapphire Reserve® is a premium travel credit card, perfect for anyone who regularly purchases extra shopping or travel insurance. The card offers a range of coverage at no additional cost, including return protection, purchase protection, extended warranty protection, trip delay reimbursement, baggage delay insurance, lost luggage insurance, rental car coverage, trip cancellation/interruption insurance and travel accident insurance.
Estimated credit limit range: This is a Visa Infinite card, and these cards require a starting credit limit of $10,000, according to their terms and conditions. Credit limits are not published on Chase's site for the Sapphire Reserve card, but premium cards like this one generally have higher limits. Sapphire Reserve cardholders on sites like myFICO® Forums have reported credit limits as high as $80,000.
The Chase Sapphire Reserve® is a standout premium credit card with plenty of luxury perks and statement credits to justify its annual fee.
- Access over 1,300 airport lounges worldwide with a complimentary Priority PassTM Select membership, plus every Chase Sapphire Lounge® by The Club with two guests.
- Up to $300 in annual travel credit each account anniversary year
- You can transfer rewards to all of Chase's travel partners including World of Hyatt, Southwest Rapid Rewards and many more
- Top-tier travel and shopping protections
- High annual fee
- Requires a high credit score
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get $3,000 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase TravelSM, including The EditSM and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority PassTM Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $288 annually
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Best for luxury perks
Who's this for? The American Express Platinum Card is a must-have for anyone seeking the best card benefits, as it offers top-tier airport lounge access, elite status perks and over $3,000 in annual statement credits.
Estimated credit limit range: The Amex Platinum has *no preset spending limit. Instead, the spending limit is based on your behavior and history as a cardholder — and these factors are constantly in flux. Depending on the individual, this could mean a limit that's twice or triple the limit of a traditional card.
While you generally must pay your balance in full each month, eligible charges can be added to a Pay Over Time balance (up to your Pay Over Time Limit). However, carrying a balance through Pay Over Time will result in interest charges at the applicable Pay Over Time APR (see rates and fees). You can check your spending power using a tool on the Amex website or app, or by calling in. Terms apply.
The American Express Platinum Card® is a premium card loaded with annual statement credits, entertainment benefits, extensive airport lounge access, elite status perks and more. (Enrollment required for select benefits mentioned)
- Access to 1,550+ airport lounges, including Priority Pass™ Select lounges (enrollment required) and Amex Centurion lounges
- Statement credit offers worth up to twice what the annual fee costs
- Elite status perks for hotels and rental cars (Enrollment required for select benefits mentioned)
- High annual fee
- Many statement credit offers are complicated and are earned in increments or limited to specific purchases
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount – all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
- Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
- With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges.* As of 07/2025.
- $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
- $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
- $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
- $400 Resy Credit + Platinum Nights by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you.
- $209 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
- Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM check-out.
- $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That's up to $300 in statement credits each calendar year. Enrollment required.
- $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.* Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- $895 annual fee.
- Terms Apply.
- See Rates & Fees
Balance transfer fee
N/A
Foreign transaction fee
None
*No Preset Spending Limit means the spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
Offers in this section are from affiliate partners and selected based on a combination of engagement, product relevance, compensation, and consistent availability.
3.10% APY as of 5/19/2026
Min balance to open = $0
1.00% APY as of 06/24/2024
Min balance to open = $0
Best for cash back
Who's this for? The Chase Freedom Unlimited® is a good fit if you want a simple rewards structure and no annual fee. The card earns at least 1.5% cash back on every purchase and offers a range of everyday bonus spending categories.
Estimated credit limit range: With the Freedom Unlimited, you receive either the basic-level Visa Platinum card (with a minimum credit limit of $500) or the upgraded Visa Signature card (with a minimum credit limit of $5,000), according to the card's pricing and terms.
When you open a new Chase Freedom Unlimited® account, you can also take advantage of an intro APR offer on purchases and balance transfers.
The Chase Freedom Unlimited® is a no-annual-fee card that earns generous cash-back on everyday purchases and a lucrative welcome bonus.
- Users get a high rewards rate and strong welcome bonus
- Purchases and balance transfers get long intro APR
- No annual fee
- Travelers face a foreign transaction fee
- Few rewarding ongoing benefits
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase TravelSM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
- 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, alerts, and more.
- Member FDIC
Balance transfer fee
Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, in the first 60 days. After that, either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign transaction fee
3% of each transaction in U.S. dollars
Best for limited credit
Who's this for? The Capital One QuicksilverOne Cash Rewards Credit Card is a solid unsecured credit card for anyone with average or fair credit due to its above-average flat-rate rewards structure (1.5% cash back).
Estimated credit limit range: If you have less-than-stellar or bad credit and want to improve your score, the Capital One QuicksilverOne does the trick and allows you to increase your credit line. You won't automatically receive a higher credit limit, but Capital One will consider you for a credit limit increase after six months of on-time payments.
The Capital One QuicksilverOne Cash Rewards Credit Card available to those with limited/fair credit, which makes it surprising that it features an elevated 1.5% cash back on all purchases.
- Simple rewards structure with no caps or categories to track
- Available if you have fair credit
- High APR
- Has an annual fee
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Top rated mobile app
Balance transfer fee
- $0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
Best for secured credit
Who's this for? The Platinum Secured Mastercard® from First Tech Federal Credit Union can be a great option if you have a few blemishes on your credit. There's no annual fee or foreign transaction fees, and you can earn 1X points on every dollar spent.
Estimated credit limit range: For anyone just beginning their credit journey or working to rebuild their credit, secured credit cards can help you get on track. Secured cards require a deposit, typically around $200, that serves as your line of credit. It's rare that secured cards have high limits, but if you have the cash to put down a substantial deposit, the Platinum Secured Mastercard from First Tech Federal Credit Union offers credit limits as high as $25,000. For a higher credit limit, you will need to deposit more money.
Platinum Secured Mastercard®
Rewards
1 point per $1 spent on all purchases
Welcome bonus
None
Annual fee
$0
Intro APR
None
Regular APR
12.5% to 18.00% variable
Balance transfer fee
None
Foreign transaction fee
None
Credit needed
N/A
Terms apply.
Pros
- No annual fee
- Low APR
- Available if you have poor or limited credit
Cons
- No rewards
- No welcome bonus
Best for businesses
Who's this for? The Ink Business Premier® Credit Card is a rewarding cash back business credit card that's a great fit for business owners who frequently make large purchases. You'll earn at least 2% back on all purchases and 2.5% back on purchases of $5,000 or more.
Estimated credit limit range: Some Ink Business Premier Credit Card members report receiving a credit limit of $10,000 or more, according to myFICO forums. You're required to pay your balance in full each month. However, if you need to finance a purchase, you can take advantage of a Flex for Business option that allows you to use a portion of your credit limit to pay for eligible purchases over time. Keep in mind, if you pay over time, you will be assessed interest.
Compare credit repair options
Best high-limit credit cards comparison
| Credit score requirement | Annual fee | Rewards | Welcome bonus | |
|---|---|---|---|---|
| Chase Sapphire Preferred® Card | Good to Excellent | $95 | 5X points on travel purchased through Chase Travel℠; 3X points on dining; 3X points on online groceries (excluding Walmart, Target, and wholesale clubs); 3X points on select streaming services; 2X point on all other travel; 1X points on other purchases | Yes |
| Chase Sapphire Reserve® | Excellent | $795 | 8X points on all purchases through Chase Travel℠; 4X points on flights and hotels booked directly; 3X points on dining worldwide; 1X points on all other purchases | Yes |
| American Express Platinum Card® | Good to excellent | $895* | 5X points on prepaid hotels booked through Amex Travel®; 5X points on flights purchased directly from airlines or through Amex Travel® (on up to $500,000 of these purchases per calendar year); 1X points on other purchases | Yes |
| Chase Freedom Unlimited® | Good to excellent | $0 | 5% cash back on travel purchased through Chase Travel℠; 3% cash back on drugstore purchases and dining; 1.5% cash back on all other purchases | Yes |
| Capital One QuicksilverOne Cash Rewards Credit Card | Limited to fair | $0 | 1.5% cash back on all purchases | No |
| Platinum Secured Mastercard® from First Tech Federal Credit Union | N/A | $0 | 1X points on all purchases | No |
| Ink Business Premier® Credit Card | N/A | $195 | 2.5% cash back on purchases of $5,000 or more; 2% cash back on all other purchases | Yes |
*For rates and fees of the American Express Platinum Card®, click here.
What is a high-limit credit card?
A high-limit credit card typically has a credit line of $10,000 and higher. You're more likely to have a higher credit limit if you have good or excellent credit, or a FICO Score of 670 and up.
A high-limit credit card can help you improve your credit score since it raises your overall available credit and can lower your credit utilization rate. It can also be helpful if you have high monthly expenses or are looking to purchase a big-ticket item. If you have a high credit limit, just make sure that you spend within your means and avoid charging more than you can afford.
How to get a high-limit card
Many card issuers don't publicize their credit limits, but some include a minimum credit limit in their pricing and terms. Be sure to read the terms closely before applying for a credit card so you know what to expect if they only offer a minimum.
You won't know your exact credit limit until your application is final, and credit limits vary depending on your specific credit score and income.
If you end up with a card that has a lower credit limit than you wanted, you can always ask for a credit limit increase by speaking to your issuer over the phone or making a request online. Some issuers will automatically increase your credit limit once you've made consecutive on-time payments for the first few months.
How to choose a high-limit credit card
High-limit credit cards aren't limited to a single category. You can receive a large credit limit with a travel credit card, cash back credit, business credit card and most other types of credit cards.
With that in mind, choosing a high-limit card largely comes down to which cards you're eligible for and what you want to get out of a credit card.
Credit score
Your credit score not only impacts the size of your credit limit, but also your approval odds. It's important to review your credit before applying so you can avoid submitting applications for cards you're unlikely to be approved for.
Many card issuers offer preapproval, which can be a helpful way to hone in on cards you're more likely to be eligible for. A preapproval doesn't require a hard credit pull, but it won't guarantee you'll qualify for a card. However, if you're denied a preapproval, you can save yourself from adding a hard credit inquiry to your credit report, making prequalification tools valuable.
Credit card lifestyle fit
Most of the best credit cards offer rewards and other benefits. As you're looking for a high line of credit, also consider what card perks you'll find the most useful. Travel credit cards can be exceptionally valuable, however, there may be limitations on specific benefits. If your travel plans are limited, you may prefer the simplicity of a cash back credit card.
When you understand what you need in a credit card, it becomes much easier to decide if the benefits outweigh the costs for that particular card.
Pros and cons of high-limit credit cards
- Lower credit utilization: When your credit card has a higher credit limit, it's easier to keep your credit utilization ratio low, which can benefit your credit score.
- Better benefits: In general, high-limit credit cards tend to have more premium benefits or better rewards programs.
- Harder to get: You'll need a higher credit score and income to qualify for a credit card with a high credit limit.
- Easier to accumulate debt: A high credit limit might tempt you to spend more and pile on the debt.
FAQs
What is the highest credit limit you can get?
Because issuers don't typically advertise credit limits when they market their credit cards, it's hard to say what the highest credit limit you can get is. However, cardholders have reported getting limits of over $100,000.
How do I get a $20,000 credit limit?
There's no surefire trick or hack to getting a $20,000 credit limit. Card issuers evaluate each application based on a variety of factors. In order to get a $20,000 credit limit, you'll need to have a high enough credit score and income and a low enough debt-to-income (DTI) ratio. Existing credit lines with that issuer may also factor into how much additional credit you'll receive.
How high are American Express credit limits?
Unlike other issuers, American Express offers several cards with no preset credit limits. However, these cards still have spending limits, which are calculated based on factors like your spending patterns, payment history, credit record and income. For some cardholders, this can mean a six-figure spending limit. American Express allows you to check your spending power before making a large purchase online or by calling in.
What is the easiest credit card to get with high limits?
To receive a higher limit on your credit card, you'll generally need a better credit score. There are credit cards for those with less-than-stellar credit who want to improve their score and increase their available credit line. Secured credit cards are also worth considering for those just beginning their credit journey or working to rebuild their credit. However, these cards have limits based on your refundable security deposit, so you'll need more upfront money if you want a higher limit.
Why trust CNBC Select?
At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best high-limit credit cards.
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Our methodology
To determine which are the best high-limit credit cards, CNBC Select analyzed over 250 major credit cards issued through FDIC-insured banks and NCUA-insured credit unions that are widely available in the U.S.
We compared each card on a range of features, including rewards, annual fees, welcome bonuses, introductory and standard APR and balance transfer fees and foreign transaction fees. We also considered additional perks (e.g., ongoing travel or merchant statement credits), cardholder protections (e.g., purchase protection, $0 liability protection and travel insurance), the application process when available (e.g., is there a credit pull or required credit score) and how easy it is to redeem points (e.g., are rewards are tied to a specific brand; if transferable, to how many/which partners, can you redeem for straight cash back).
We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.
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For rates and fees of the American Express Platinum Card®, click here.
Information about the Ink Business Premier® Credit Card has been collected independently by CNBC Select and has not been reviewed or provided by the issuer of the card prior to publication.
