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When you apply for a new credit card, it can be easy to only think about the signup bonus, additional benefits like travel credits or free hotel nights, and the annual fee. But you should also think about your potential credit limit. High limit credit cards help keep your credit utilization ratio low. They also help you make large purchases without having to ask the bank for a temporary credit limit increase.
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
Banks determine your credit limit on several factors. This includes your annual income, current debt-to-income ratio, credit history, and type of credit card you’re applying for. By having a credit score of at least 700, you will have the best chance of getting a high credit limit on the best rewards credit cards.
Average Credit Limit
Knowing the typical credit limit of others with a similar credit score as yours helps you predict what credit score you can expect to qualify for. The January 2019 American Bankers Association Credit Market Report lists the average credit limit for new credit lines:
- Super Prime (781+ credit score): $10,300
- Prime (661-780 credit score): $5,653
- Sub Prime (500-600 credit score): $2,672
These averages don’t mean your credit limit will be the same. If you fall into the Prime or Super Prime category, your credit limit can be notably higher if you have a high annual income and perfect credit. As you’ll see below, the best high limit credit cards aren’t necessarily the most difficult to get.
The Best High Limit Credit Cards
You can enjoy valuable purchase rewards and card benefits with the best high limit credit cards. They also offer the possibility of getting an above-average credit limit.
Chase Sapphire Preferred Card
The Chase Sapphire Preferred® Card is a perennial award travel favorite because of its valuable redemption options like a 25% travel redemption bonus and 1:1 point transfer partners like Southwest Airlines and United. It’s possible to get a credit limit up to $100,000 which is one of the highest limits you will ever come across. Most Sapphire Preferred cardholders having a credit limit of $30,000 or less, although applicants with scores in the 700s reported an initial credit limit above $10,000.
Since the Sapphire Preferred is a Visa Signature card, you are guaranteed to have a minimum $5,000 credit limit. Regardless of your limit, you have a nice signup bonus. The annual fee is $95 for this best high limit credit card option.
This is one of the best credit cards for excellent credit.
Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card requires a minimum 700 credit score to have reasonable approval odds. This is a Visa Signature card that comes with a minimum $5,000 credit limit. Although, you can expect a credit limit between $10,000 and $30,000 even with a score in the 700 to 750 range if you have a decent income and credit history.
The Capital One Venture earns 2x miles on every purchase. You can use these miles for travel statement credits, award flights, and airline point transfers. Capital One also reimburses your Global Entry or TSA PreCheck fee. There is a $95 annual fee but you don’t have to worry about foreign transaction fees.
New Capital One Venture Rewards Credit Card cardholders can earn 100,000 bonus miles after spending $20,000 on purchases in the first 12 months from account opening, or earn 50,000 miles after spending $3,000 on purchases in the first 3 months.
Learn more: Travel Rewards Credit Cards
United Club Card
The information related to United MileagePlus® Club Card credit card has been collected by Johnny Jet and has not been reviewed or provided by the issuer of this card.
If you travel United on a regular basis, the United MileagePlus® Club Card is reported to have a $15,000 starting limit. This card has a $450 annual fee. However, it gives you unlimited United Club membership, space-available Premier upgrades, two free checked bags, and no close-in booking fees.
If you don’t need a premium branded airline credit card, the $95-a-year United Explorer Card can be easier to qualify for. You may only need a score in the 600s and offers a minimum $5,000 credit limit. You will still enjoy two free checked bags, free Global Entry or TSA PreCheck, and two one-time United Club passes each year.
Delta SkyMiles Gold American Express Card
The Delta SkyMiles® Gold American Express Card is another card where users with strong credit histories report credit limits up to $50,000.
But there are plenty of members with limited credit history in the mid-600s that report a credit limit of only $1,000 or $2,000. With a history of on-time payments, it’s possible to request a credit line increase or receive an automatic bump.
The Delta SkyMiles Gold American Express Card lets you and up to 8 travel companions check your first bag for free on Delta flights. You also get 20% savings on in-flight purchases and priority boarding.
New cardholders can earn 40,000 bonus miles after spending $1,000 in purchases on their new Card in the first 3 months. Plus, earn up to $50 back in statement credits for eligible purchases at US restaurants with your card within the first 3 months of membership.
Plus, Gold card members will receive a $100 Delta Flight Credit after spending $10,000 in purchases on their card in a calendar year. Cardholders can earn the reward now and travel when they’re ready.
The annual fee for this card is $0 for the first year, then $99 (See Rates & Fees).
Learn more: Airline Credit Cards
Frequent Delta passengers may benefit more from the other Delta cards that have more Delta benefits and more valuable bonuses.
Summary of the Best High Limit Credit Cards
The best high limit credit cards are one of the best ways to improve your credit score. This is because it’s easier to maintain a low credit utilization ratio. If the card also offers valuable purchase rewards and travel benefits, plan on keeping that card for a long time. This way, you’ll maximize your credit and spending.
- Chase Sapphire Preferred vs Capital One Venture Rewards Credit Card
- Do You Qualify for the American Express Platinum 100k Bonus Offer?
- When to Get a Business Credit Card Over a Personal Credit Card
For rates and fees of the Delta SkyMiles® Gold American Express Card, please click here.
Chase Sapphire Preferred® Card
- Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
- Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.