The best high limit credit cards bring much more than elevated spending limits to the table. Many also have stellar rewards, extended 0% introductory periods and other valuable perks. For your convenience, we’ll recap our editors’ picks below and provide some additional commentary about why we recommend each card.
- Chase Sapphire Preferred® Card
- Chase Sapphire Reserve®
- Citi Double Cash® Card
- Chase Freedom Unlimited®
- Wells Fargo Reflect® Card
Chase Sapphire Preferred® Card
The highest credit card limit is $100,000 from the Chase Sapphire Preferred® Card, according to cardholder reports. To get a limit this high, you will need a lot of income, very little debt and a good or excellent credit score. Business owners may qualify for even higher limits with certain business credit cards.
The Chase Sapphire Preferred Card is the best credit card with a high limit overall, considering its rewards along with the spending power it gives you. Sapphire Preferred has a minimum credit limit of $5,000, and many cardholders report receiving a credit limit of $10,000 to $15,000 or even higher. It also has a big rewards bonus to match its high limit, offering 60,000 points (worth $750 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 60,000 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
Citi Double Cash is one of the best cash back credit cards 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. New cardholders can also take advantage of a great initial bonus offer: $200 for spending $1,500 in the first 6 months.
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 through Chase, 3% back at restaurants and drugstores, and 1.5% back on all other purchases (plus an additional 1.5% cash back on everything, up to $20,000 spent 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. The regular APR is 20.49% - 29.24% (V). 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 21 months from account opening on qualifying balance transfers, along with a balance transfer fee of 5% (min $5). Its regular APR is 18.24% - 29.99% 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 | Annual Fee |
| Chase Sapphire Preferred® Card | Overall | Credit limit from $5,000 | $95 |
| Citi Double Cash® Card | Cash Back | Credit limit from $500 | $0 |
| Chase Sapphire Reserve® | Highest Limit | Credit limit from $10,000 | $550 |
| Wells Fargo Reflect® Card | Balance Transfers | Credit limit from $1,000 | $0 |
| Chase Freedom Unlimited® | 0% Purchases | Credit limit from $500 | $0 |
The credit cards with the highest limits right now are the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®. In general, the best travel credit cards tend to have high credit limits, with the top tier of offers giving at least $5,000 - $10,000 in spending power to start with.
The best high-limit credit cards also require good credit or better for approval. If you don’t know where you stand, you cancheck 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 S Kiernan
John Kiernan has covered the credit card industry for more than 15 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post, Fox News and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau.
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