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Credit Cards with High Credit Limits
Posted on Feb 16, 2024
Updated on Feb 16, 2024
A credit limit on a card is quite a sensitive issue, somewhat shrouded in mystery. It's generally determined based on the personal information you provide, including your credit history, income, and the card you are interested in, among other factors, directly by the issuer.
While card issuers usually keep quiet about the maximum credit limits they can extend to customers, the average credit limit for top-tier credit cards tends to run from around $5,000 to $10,000 and can go up to $50,000-$80,000. If you have a steady income, a good to excellent credit history, and a high credit score, you're more likely to qualify for a high-limit credit card.
High-Limit Credit Cards for Good to Excellent Credit
Typically, rewards credit cards and premium cards that offer a lot of benefits come with potentially high spending limits. You can also look at Visa Infinite, Visa Signature or Mastercard World Elite-branded cards or cards with no preset spending limits.
The highest reported credit limit on the premium card is around $500,000. Although, the reporting lines of $50,000 to $80,000 seem more likely. You probably don't need a credit card limit of half a million, but it's good to know that you have access to such a sizable amount whenever you need it.
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Intro APR on Purchases
0% Intro APR (15 months)
Intro APR on Balance Transfer
0% Intro APR (15 months)
Regular APR
17.24% - 28.24% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
- UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers - only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase
- No annual fee
- Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
- 0% intro APR for 15 months on purchases. Then 17.24% - 28.24% Standard Variable Purchase APR will apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- Terms and conditions apply.
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Intro APR on Purchases
0% intro APR for 15 months from account opening
Intro APR on Balance Transfer
0% intro APR for 15 months from account opening on qualifying balance transfers
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Balance Transfer Fee
3% for 120 days from account opening, then up to 5%, min: $5
Annual Fee
$0
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% 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.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Rates & Fees
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Intro APR on Purchases
0% Intro APR (15 months)
Intro APR on Balance Transfer
0% Intro APR (15 months)
Regular APR
17.24% - 28.24% Variable APR
Balance Transfer Fee
3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Annual Fee
$0
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
- Redeem your rewards for cash at any time.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Terms and conditions apply.
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Intro APR on Purchases
0% intro APR for 12 months from account opening
Intro APR on Balance Transfer
N/A
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Balance Transfer Fee
3% for 120 days from account opening, then up to 5%, min: $5
Annual Fee
$0
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Rates & Fees
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Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
19.99% - 29.99% (Variable)
Balance Transfer Fee
Balance Transfer Fee applies to balances transferred at a promotional rate
Annual Fee
$395
- Click "APPLY ONLINE" to apply now
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
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Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
21.24% - 29.24% (Variable)
Balance Transfer Fee
5% of each balance transfer; $5 minimum.
Annual Fee
$95
- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.
Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024. - Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 1 Point per $1 spent on all other purchases
- Annual Hotel Savings Benefit
- 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
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our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
19.99% - 29.99% (Variable)
Balance Transfer Fee
Balance Transfer Fee applies to balances transferred at a promotional rate
Annual Fee
$95
- Click "APPLY ONLINE" to apply now
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
- Transfer your miles to your choice of 15+ travel loyalty programs
our choice
our choice
Intro APR on Purchases
0% (15 months)
Intro APR on Balance Transfer
0% (15 months)
Regular APR
19.24% - 29.24% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Annual Fee
$0
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
- 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.
Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025. - 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.
- No Annual Fee
- Citi will only issue one Citi Custom Cash® Card account per person.
our choice
our choice
Intro APR on Purchases
0% intro on purchases (for 15 months)
Intro APR on Balance Transfer
0% intro on balance transfers (for 15 months)
Regular APR
19.99% - 29.99% (Variable)
Balance Transfer Fee
Balance transfer fee applies
Annual Fee
$0
- Click "APPLY ONLINE" to apply now
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
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Frankly speaking, the cards with the most perks tend to charge higher annual fees overall. If you want to apply for a credit card with a high annual fee, make sure that the benefits will be worth it, and you'll be able to recoup the cost of membership.
Plenty of the best credit cards on the market may give you a high credit limit if you have a strong credit history and a high income.
Practicing good credit habits such as paying your credit card bill on time, keeping your credit utilization low, and staying within your card's current limit shows that you can successfully manage your money, and as a result, you may see a credit limit increase when your issuer reviews your account.
But even if you get a high-limit credit card, you're still better off keeping your credit utilization low and spending no more than 30% of your available credit. So, for example, if you have a $15,000 line of credit, it's better to spend no more than $4,500 to keep your credit score healthy. Or if you spend a lot on your card, paying your credit card more than once a month can help keep your credit utilization low.
Credit Cards with No Preset Spending Limits
With the cards that have no preset spending limit, the amount you can spend is flexible and based on your purchase, payment, and credit history. Unlike a traditional card with a set limit, these featured cards offer much higher spending limits. No preset spending limit credit cards are commonly charge cards, meaning the balance you charge on the card is due, in full, each month.
American Express has one of the best cards with no preset spending limit among the issuers. The Centurion® Card from American Express, also known as the Black Card, is generally recognized as the most exclusive credit card on the market, offering ultra-high credit limits, great perks, and some unique benefits. However, this card is not available to the general public. You can only become a cardholder by invitation, paying a staggering initiation and annual membership fees.
The Amex Platinum card is another prestigious card that you can get without needing an invitation and enjoy the best luxury travel benefits out there.
For most of us, having a credit card that offers unlimited spending isn't necessary. With a steady income and a good credit score, there is a good chance you can get a general credit card that suits your needs and the credit limit required.
High Limit Credit Card for Bad Credit
The best high limit credit card for bad credit is either a secured credit card or a credit builder account. In both cases, the possible credit limits will be lower than with a traditional credit card. However, if you manage to make a higher security deposit on a secured credit card, you can get a higher credit limit. Secured card credit limits generally range from $300 to $5,000, depending on the issuer.
Many credit card issuers offer an upgrade from a secured credit card to an unsecured one, provided you've used your secured card responsibly. If you make on-time payments over the life of your account and keep your credit card balances low, a credit card issuer might offer to simply convert your secured credit card to an unsecured one and return your security deposit.
Request to Increase Your Credit Limit
You'll be lucky if you get the credit limit you wanted. But sometimes it might be less than you expected. Furthermore, if you have been using the card for a long time, you might outgrow your limit and need more purchasing power. So before applying for a new card, which can impact your credit score, you're better off asking a credit limit increase first.
If you've used your card responsibly for a certain amount of time, most credit card issuers may automatically increase your credit limit from time to time. You typically can request an increase once every six months.
If you are not satisfied with the approved amount, you can request a credit limit increase. The process is pretty straightforward. You can generally request a higher credit limit through an online bank or credit account, as well as over the phone. Kindly note that many issuers may pull an updated copy of your credit report, meaning they will perform a hard inquiry when you submit a request for a credit line increase.
If the increase is approved, you'll get a notice with your new credit limit. If you were denied, you'll have to wait until you can show that you use your card responsibly and try again later. You can usually request a credit line increase every 6 months.
Request a Credit Limit Reallocation
When you already have a credit card with the bank, the issuer may split your overall credit limit between the existing cards. If you plan to use one card more, you can request a change or reallocation of the limits on each card by contacting customer service.
For example, if your overall limit is $15,000, you could request to increase the limit on one card to $10,000 and reduce the other card's limit to $5,000.
