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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.

best high limit credit cards

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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 purchases. 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.

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.

You get priority boarding on Delta flights plus Main Cabin 1 Priority Boarding.

The Delta SkyMiles Gold Credit Card earns 2x Miles on Delta purchases, at restaurants worldwide (including takeout and delivery in the U.S.), and at U.S. supermarkets (1x Mile for everything else that is eligible). It also has 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.

Additionally, you can Pay with Miles: take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on

For a limited time, new Delta SkyMiles® Gold American Express Card cardholders can earn 70,000 bonus miles after you spend $2,000 in purchases on their new Card in their first 3 months. The offer ends 8/3/2022.

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 use the Credit for future travel.

The introductory annual fee of $0 for the first year, then $99 (See Rates & Fees).

Terms apply.

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.

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For rates and fees of the Delta SkyMiles® Gold American Express Card, please click here.


Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 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
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.

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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.

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