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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

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

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. You can earn 80,000 bonus points worth at least $1000 in award travel after spending $4,000 in the first 3 months. The annual fee is $95 for this best high limit credit card option.

This is one of the best credit cards for excellent credit.

Chase Sapphire Reserve

Not too long ago, only the most exclusive credit cards had high credit limits. The Chase Sapphire Reserve® is a Visa Infinite and offers a minimum $10,000 credit limit. You will have the best chances of getting a higher limit with a 780 credit score with an initial limit closer to $25,000 for the average applicant. Well-qualified applicants may get a limit closer to $100,000.

Although the Sapphire Reserve has a $550 annual fee, you get a $300 annual travel credit, Priority Pass lounge membership, and free Global Entry or TSA PreCheck. If you can maximize these benefits plus the 50% travel redemption bonus, 1:1 point transfers and 50,000-point signup bonus worth $750, this premium card can be better than the Sapphire Preferred.

The Sapphire Preferred and Sapphire Reserve are both some of the best Chase credit cards.

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 which 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 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 cardholders can earn a 100k mile bonus by spending $20,000 on purchases in the first 12 months from account opening, or earn 50,000 miles if you spend $3000 on purchases in the first 3 months.

Learn more: Rewards Credit Cards

Platinum Card from American Express

Some of the best American Express credit cards don’t have a preset credit limit. One of these cards is the Platinum Card® from American Express which Amex officially considers a “charge card.” Essentially, only charge to your Platinum Card each month what you can repay in full.

However, American Express will base your purchasing power on your spending trends, payment history, your income, and net worth to name a few factors.

If you appreciate this spending limit flexibility, applying for the American Express Platinum gives you access to elite travel benefits. These include a $200 air travel credit, $200 in annual Uber credits, multi-network airport lounge access, and 1:1 point transfers including Delta Airlines.

If you are a frequent flyer, this can be a good card for because of the air travel benefits. You also earn 5x points on plane tickets booked directly through the carrier or Amex Travel.

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. You also get 20% savings on in-flight purchases and priority boarding.

With the Delta SkyMiles® Gold American Express Card, you can earn 35,000 bonus SkyMiles after you spend $1,000 in purchases on your new card in your first 3 months.

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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Johnny Jet Editorial

Chase Sapphire Preferred® Card

  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 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, 80,000 points are worth $1,000 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.

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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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