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Credit limits are determined by credit card issuers depending on your creditworthiness. The higher your credit score, the better chance you have of getting a high credit limit - in the $10,000 to $30,000 range. Issuing banks do look at your income level as well when determining your credit limit, but credit history is the biggest factor. Here is a range of expected credit limits according to credit score:

  • Average starting credit limit for customers with excellent credit (750-850): $5,000-$10,000
  • Average starting credit limit for customers with average to good credit (640-749): $3,000-$5,000
  • Average starting credit limit for customers with limited credit (300-639): $500-$2,500

Please note that the above credit limit ranges are merely averages, and that the final credit limit on the card may vary depending on the individual situation.