A high limit credit card is an ideal choice for those big spenders, and those looking for financial peace of mind alike. From rewards and other perks to no annual fees, there’s a high limit credit card to suit nearly any financial situation.
Finding the best high limit credit card for your spending needs means reading reviews, studying product features, and diving into the ins and outs of available options and interest rates. With the right high limit credit card, making large purchases can become a quick, over-and-done with task.
We reviewed dozens of high limit credit cards to identify the best of the best, based on CreditCards.com reviews, how easy they were to apply for and use, cost, and other considerations. We narrowed our search down to 5 of the top-rated high limit credit cards spenders can apply for to ensure they always have access to the credit they need.
We’ve identified Chase Freedom Unlimited® as the best high limit credit card out there. With a generous rewards program and no annual fee, this high limit credit card is one that will allow you to keep shopping with ease. These benefits allow you to make the purchases you want to, without hesitation.
In This Article
The 5 Top-Rated High Limit Credit Cards
| Editor's Picks | Brand | Rating |
|---|---|---|
| Best Overall | Chase Freedom Unlimited | 4.8 |
| Runner Up | Chase Sapphire Reserve | 4.8 |
| Best for Budget | Citi Double Cash Card | 4.1 |
| Best High Limit Credit Card with Rewards | Discover it Cash Back | 4.8 |
| Best High Limit Credit Card with No Annual Fee | Wells Fargo Platinum Visa Card | 4.5 |
*Ratings are from CreditCards.com at the time of publication and can change
Our Top Pick: Chase Freedom Unlimited®
The Chase Freedom Unlimited® took the top spot on our list of the best high limit credit cards, thanks in large part to its generous rewards program that comes without the expense of an annual fee. Card holders can earn 3% cash back on all purchases in the first year up to $20,000 spent, with 1.5% on all spending beyond that. The card offers an introductory 0% APR for the first 15 months on all purchases and balance transfers for added convenience, and features a credit limit of up to $30,000.
Those who hold and reviewed this high limit credit card appreciated that they could transfer their Freedom Unlimited points to their Sapphire account to boost their value even more. People liked that rewards were unlimited, and said customer service was excellent.
With no annual fee, the price is certainly right, and the quality customer service associated with the brand, as well as the generous rewards program make this a high limit credit card worthy of serious consideration. It has a rating of 4.8 out of 5 stars on CreditCards.com with nearly 10,000 people reviewing it, which we think goes a long way in convincing people to make an application.
Chase Freedom Unlimited® Key Features:
- Variable APR 17.24-25.99%
- No minimum redemption value
- Rewards never expire for the life of the account
Our Runner Up Pick: Chase Sapphire Reserve®
The Chase Sapphire Reserve® took the runner-up spot on our list of the best high limit credit cards, and offers a minimum credit limit of $10,000 and up. Applicants must have an excellent credit rating in order to qualify for this card, which carries an annual fee of $450. It offers 3X points on travel immediately after you earn your $300 travel credit, 3X points on dining at restaurants, and 1 point for every dollar spent on all other purchases.
Those who hold and reviewed this high limit credit card appreciated that it offered plenty of travel perks, including access to 1,000+ priority lounges, a $300 annual travel credit, and lost luggage reimbursement.
With an annual fee of $450, it doesn’t come cheap, but the quality customer service associated with the brand, as well as the ease of setup and generous rewards program more than justifies that price for those who travel frequently. It has a rating of 4.8 out of 5 stars on CreditCards.com with more than 4,600 people reviewing it, which we think goes a long way in convincing people to make an application.
Chase Sapphire Reserve® Key Features:
- Zero fraud liability
- Annual APR 19.24-26.24% variable
- Points are worth 50% more value when redeemed for travel through Chase Ultimate Rewards
Best Budget Pick: Citi® Double Cash Card
The Citi® Double Cash Card is an excellent choice for those looking for a high limit credit card that won’t break the bank, and offers limits of upwards of $50,000. It boasts no annual fee, and offers a variable APR of 16.24-26.24%. Card holders can earn 2% on every purchase, with unlimited 1% cash back at the time of purchase, and an additional 1% as payments are made. Applicants can take advantage of a 0% APR for 18 months on all balance transfers.
Those who hold and reviewed this high limit credit card appreciated that it offered a pretty generous cash back scheme, especially considering there’s no annual fee to use it. People found it easy enough to apply for this card, but would have liked it even better if it came with a sign-up bonus.
With no annual fee, this card is a solid choice for those looking for a high limit credit card option on a budget. It has an editor’s rating of 4.1 out of 5 stars on CreditCards.com, which we think goes a long way in convincing people that this budget-friendly pick is just as good for their daily spending needs as its more expensive counterparts.
Citi® Double Cash Card Key Features:
- Free credit score report
- Mobile pay ready
- Exclusive access to presale event tickets
Best High Limit Credit Card with Rewards: Discover it® Cash Back
The Discover it® Cash Back is an excellent card for credit users who want the perks of rewards on their daily spending, and boasts credit limit of up to $20,000. It is suited for those with a good to excellent credit rating, and offers an introductory balance transfer and purchase APR of 0% for 14 months. After that, the regular APR is 14.24-25.24% variable. Card holders can earn 5% cash back in different places each quarter up to the quarterly maximum, and 1% on all other purchases.
Those who hold and reviewed this high limit credit card appreciated that rewards can be redeemed in any amount, at any time, and never expire. They also liked the ability to access their credit score for free, and that there are no foreign transaction fees.
With no annual fee, the price is certainly right, and the quality customer service associated with the brand, as well as the generous rewards program more than justifies considering this card for those wanting a high limit credit card. It has a rating of 4.8 out of 5 stars on CreditCards.com with more than 26,000 people reviewing it, which we think goes a long way in convincing people to make an application.
Discover it® Cash Back Key Features:
- Automatic cash back matching at the end of the first year
- Rewards can be redeemed at Amazon.com checkout
- Zero fraud liability
Best High Limit Credit Card with No Annual Fee: Wells Fargo Platinum Visa Card
A longer than average introductory APR helps card holders tackle debt
Check PriceThe Wells Fargo Platinum Visa Card boasts a minimum credit limit of $1,000, and offers an introductory balance transfer and purchase APR of 0% for 18 months — one of the longest 0% APR offers in the credit card industry. After that, the regular APR is 17.74-27.24% variable. As an added bonus, this card offers cell phone protection against damage or theft of up to $600 (with a $25 deductible) when you use it to pay your monthly wireless bill.
Those who hold and reviewed this high limit credit card appreciated the free access to the My Money Map, which makes it easy to track spending and manage budgets. They also appreciated the bonus travel perks, including roadside assistance, auto rental and travel accident insurance, and travel assistance.
With no annual fee, the price is certainly right, especially considering the extended 0% APR period for both balance transfers and purchases. It has an editor’s rating of 4.5 out of 5 stars on CreditCards.com, which we think goes a long way in convincing people to make an application.
Wells Fargo Platinum Visa Card Key Features:
- Mobile pay ready
- Access to your FICO® Credit Score with Wells Fargo Online®
- Zero Liability protection
Who Should Use a High Limit Credit Card
A high limit credit card is an ideal choice for those regularly make high ticket purchases, or need access to a larger amount of credit. They can improve your ability to make big purchases and subsequently earn big rewards.
A high limit credit card is also an excellent choice for those who want the peace of mind that they can borrow a large amount of money quickly and easily in case of unexpected expenses.
Having a high limit credit card can also help to lower your credit utilization ratio. The utilization ratio is how much of your available credit you have used. For example, if you have a credit limit of $10,000 and you’ve used $4,000, your credit utilization ratio is 40%. Financial experts generally advise consumers to keep their utilization ratio below 30% whenever possible, in order to protect their credit score. Having a higher limit will automatically lower your utilization ratio, which can be a good thing if you’re looking to apply for a mortgage or simply improve your credit score.
Finally, for those who are big spenders and want to maximize their rewards, a high limit credit card makes it easy to manage daily purchases and ongoing expenses in one place.
Important Features to Consider
Not all high limit credit cards are created equal. A high limit credit card should have a hassle-free application process and provide enough credit for your purchasing needs. Here’s what to consider when evaluating the options in search of the best high limit credit card for your spending needs:
- Credit limit. Arguably the most important factor when it comes to choosing the best high limit credit card is how much credit you can actually get. Some cards offer low starting limits in the low hundreds of dollars, while others start at $10,000 and up. Look for a card that suits your spending needs and habits.
- Annual fee. The next thing to consider when searching for the best high limit credit card is the annual fee. Cards with annual fees tend to have lower APRs and minimum credit limits, which make borrowing more affordable. Cards with low or no annual fees often carry higher APRs and maximum credit limits, but as long as you are making payments in full and on time, they can still be a good option if you don’t want the hassle of annual fees. Annual fees on high limit credit cards vary in price from $0-$450 annually, although some cards with cash back can pay for themselves.
- Card type. Once you’ve decided if you want a card with or without an annual fee, you’ll need to decide if you want a Visa, MasterCard, Discover card, or AmEx. Not all merchants accept all cards, so if there’s somewhere you plan to use your card regularly, check to ensure you can make purchases without hassle.
- Introductory APR. Some high limit credit cards offer an introductory APR (annual purchase rate) that is much lower than the regular APR. If you have a number of upcoming purchases and want to keep the cost of borrowing low, a card with an introductory APR offer might be a good option. There are some cards that also offer a promotional balance transfer APR, which can make transferring a balance from another card to the new card a smart choice, as long as you can make the payments responsibly.
- Regular APR. A card’s regular APR will determine how much interest you are charged each month. Cards with lower APRs make borrowing more affordable, but they sometimes come with annual fees. Cards with low or no annual fees often carry higher APRs, but as long as you are making payments in full and on time, they can still be a good option.
- Bonus features. Many high limit credit cards include bonus features that make them more appealing to users, such as cash back, travel points, free spending tracking apps, extended warranties, travel insurance, or fraud protection. Review a card’s additional features to see if there are any that would be applicable to your personal situation.
Frequently Asked Questions
What’s a high credit card limit?
A high credit card limit will be relative to the person applying for the card. For example, someone who is new to credit or who has a low income might consider a $500 credit limit to be high, while an experienced credit user or person with a high income might think of a high credit limit as $5,000 or more. Safe to say, a credit limit of $10,000 is considered high by any standards, and is the highest minimum credit limit available.
How do you get a credit card with a high limit?
Getting a credit card with a high limit is a multifaceted goal. The most important factor when it comes to getting a credit card with a high limit is your credit score. By always making sure you pay at least your minimum payment on time, using 30% or less of your available credit, and paying down your debts, you can help keep your credit score high. Other factors that influence how high of a credit limit you are eligible for are your annual income and your available assets.
Is it good to have a high credit limit?
Generally speaking, it is good to have a high credit limit, as long as your utilization ratio is kept low. Both the utilization rate on each individual credit card, as well as your total credit utilization across all cards, are used as factors in determining your credit score. That said, as long as you are using your available credit wisely, having a high credit limit can be a good thing as it allows you to easily make high ticket purchases with ease.
What is a good credit limit for my income?
A good credit limit for your income will depend on your financial situation. Things like rent and mortgage costs, utilities, food, and other fixed and discretionary costs will all impact your available cash flow in a given month. You want to ensure that you have enough income to pay off your credit card balance in full each month. An important factor for determining your credit limit is your debt to income ratio — or DTI. Divide your monthly spending or debt by your monthly income, and you’ll get your DTI. Having this number as low as possible will give you the best chance of being approved for a credit card, although there is no specific DTI value for credit card approval. Ultimately, your credit limit will depend on a number of factors, including your income, credit score, and existing debt.
Other High Limit Credit Cards We Reviewed
We looked at 20 other high limit credit cards. Even though they didn’t make our 5 best high limit credit cards list, they’re the best of the rest and each is still a great option for your spending needs. The information you’ll need to compare each one is included with the listing.
- High Limit Credit Cards with Rewards
- High Limit Credit Cards with No Annual Fee
- Low APR High Limit Credit Cards
High Limit Credit Cards with Rewards
Chase Sapphire Preferred® Card
This high limit credit card is great for those looking for travel specific rewards. Points take on 25% more value for Sapphire Preferred cardholders when redeemed for travel through Chase Ultimate Rewards.
Key Features:
- Annual APR 18.24-25.24% variable
- Includes trip cancellation and travel accident insurance
- No foreign transaction fees
Cost: $95/year
Wells Fargo Cash Wise Visa® Card
This high limit credit card with rewards lets you earn 1.8% cash rewards on qualified mobile wallet purchases and unlimited 1.5% cash rewards on everything else, with a $200 sign-up bonus.
Key Features:
- Regular APR 16.24-28.24%* variable
- Introductory 0% balance transfer and purchase APR for 12 months
- Optional cell phone insurance
Cost: $0/year
Bank of America® Cash Rewards Credit Card
This high limit credit card with rewards includes an introductory $200 online cash rewards bonus that’s awarded after you make at least $1,000 in purchases in the first 90 days of having the account.
Key Features:
- Introductory 0% APR on purchases or balance transfers for 12 billing cycles
- Regular APR 16.24-26.24% variable
- Extended warranty program and purchase protection
Cost: $0/year
The Platinum Card® from American Express
This high limit credit card with rewards offers 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel, as well as prepaid hotels booked on amextravel.com.
Key Features:
- Introductory bonus of 60,000 points if you spend $5,000 in the first 3 months
- Access to Centurion lounges
- Uber VIP status and free rides in the U.S., up to $15 monthly
Cost: $550
Wells Fargo Propel American Express® Card
This high limit credit card with rewards offers an introductory balance transfer and purchase APR of 0% for 12 months, with a 30,000 points sign-up bonus offer (a $300 value).
Key Features:
- Regular APR 16.24-28.24%* variable
- Earn 1-3 points on all purchases
- Includes auto rental and travel accident insurance
Cost: $0/year
Bank of America® Travel Rewards credit card
This high limit credit card with rewards lets you earn 1.5 points per $1 spent on all purchases with no maximum, and includes a 25,000 online bonus points sign-up offer.
Key Features:
- Regular APR 17.24-25.24%* variable
- Introductory purchase APR 0% for 12 billing cycles
- No blackout dates or restrictions
Cost: $0/year
Business Platinum Card from American Express
This high limit credit card with rewards offers 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, as well as 1.5 points per dollar on eligible purchases of $5,000 or more.
Key Features:
- Introductory bonus of 75,000 Membership Rewards® points
- Includes one year of Platinum Global Access from WeWork
- Airport lounge access and annual travel credit
Cost: $595/year
Blue Cash Preferred® Card from American Express
This high limit credit card with rewards offers anywhere from 1-6% cash back in various categories, and includes a $250 statement credit if you make $1,000 in purchases within the first 3 months.
Key Features:
- Introductory 0% balance transfer and purchase APR for 12 months
- Complimentary extended warranty program
- Regular APR 15.24-26.24% variable
Cost: $95/year
This high limit credit card with rewards offers 4X Membership Rewards® points when dining at restaurants worldwide, and at U.S. supermarkets on up to $25,000 per year in purchases, then 1X.
Key Features:
- Weighs just 15 grams
- Extended warranty program
- No foreign transaction fees
Cost: $250/year
U.S. Bank Cash+™ Visa Signature® Card
This high limit credit card with rewards offers anywhere from 1-5% cash back in various purchase categories, and includes a $150 bonus if you spend $500 in eligible net purchases within 90 days of opening the account.
Key Features:
- Introductory 0% balance transfer APR for 12 billing cycles
- Regular APR 16.24-25.74%* variable
- No limit on total cash back earned
Cost: $0/year
Capital One® Savor® Cash Rewards Credit Card
This high limit credit card with rewards offers unlimited 4% cash back on dining and entertainment, 2% at grocery stores, and 1% on all other purchases.
Key Features:
- Get a $300 bonus credit if you make $3,000 in purchases in first 3 months
- Annual APR 16.74-25.74%, variable
- Extended warranty and purchase protection
High Limit Credit Cards with No Annual Fee
Blue Cash Everyday® Card from American Express
This high limit credit card with no annual fee offers a 0% introductory balance transfer and purchase APR for 15 months, with a $150 sign-up bonus offer.
Key Features:
- Regular APR 15.24-26.24%* variable
- Earn 1%-3% cash back on all purchases
- Includes purchase protection and zero fraud liability
Cost: $0/year
This high limit credit card with no annual fee offers 2X points at supermarkets and gas stations for the first $6,000 per year and then 1X points thereafter, with 1X points on all other purchases.
Key Features:
- Introductory 0% balance transfer and purchase APR for 15 months
- Regular APR 15.74-25.74% variable
- No limit to the amount of points you can earn
Cost: $0/year
Marriott Bonvoy Bold™ Credit Card
This high limit credit card with no annual fee lets users earn 3X Bonvoy points per $1 spent at over 6,900 participating Marriott Bonvoy hotels, 2X Bonvoy points on other travel purchases, and 1X on everything else.
Key Features:
- Regular APR 18.24-25.24%* variable
- Earn 50,000 bonus points after making $2,000 in purchases in first three months
- No foreign transaction fees
Cost: $0 annually
This high limit credit card with no annual fee offers a 0% introductory APR on purchases and balance transfers for 12 months, with no upper limit on the points you can accumulate.
Key Features:
- Regular APR 15.15-25.15% variable
- $150 credit after making $1,200 in purchases within first 90 days
- 3% foreign transaction fee
Low APR High Limit Credit Cards
Capital One® VentureOne® Rewards Credit Card
This low APR high limit credit card features a 0% introductory APR on purchases for 12 months, and includes a 20,000 sign-up bonus if you make $1,000 in purchases within 3 months from opening the account.
Key Features:
- Transfer miles to over 12 leading travel loyalty programs
- Regular APR 14.24%-24.24% variable
- Fly any airline and stay at any hotel with no blackout dates
Cost: $0/year
This low APR high limit credit card allows users to earn 1-5% cashback on everyday purchases, and includes a sign-up bonus of $150 after you make $500 in purchases during the first 3 months.
Key Features:
- Regular APR 17.24-25.99%* variable
- Introductory 0% balance transfer and purchase APR for 15 months
- Free credit score updated weekly
Cost: $0/year
This low APR high limit credit card offers an introductory balance transfer and purchase APR of 0% for 18 billing cycles.
Key Features:
- Regular APR 15.24-25.24% variable
- Easily access FICO credit score online
- No penalty APR
Cost: $0/year
Citi Simplicity® Card – No Late Fees Ever
This low APR high limit credit card offers a 0% introductory balance transfer APR for 21 months, and an introductory purchase APR of 0% for 12 months.
Key Features:
- Regular APR 16.99-26.99%* variable
- No late fees and no penalties
- 24-7 customer support
Cost: $0/year
Capital One® QuicksilverOne® Cash Rewards Credit Card
This low APR high limit credit card features a 0% APR on purchases and balance transfers for the first 15 months, and a $150 reward bonus after you make $500 in purchases within 3 months of opening the account.
Key Features:
- Fraud protection in case of loss or theft
- Cash back doesn’t expire for the life of the account
- Capital One mobile app offers customized alerts
Cost: $0/year
