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What credit cards offer the highest credit limit? Having the highest credit limit possible on your credit cards helps you more than you think. If you need to make a large, one-time purchase, it’s possible to charge it to one card. Additionally, higher credit limits also improve your credit score when you maintain a low monthly balance. If you want to enjoy both of these benefits, consider one of the following high limit credit cards.
What Credit Cards Offer the Highest Credit Limit?
Your credit limit is based on several factors including the card type and your credit profile.
Some credit card products have a minimum credit limit. For example, a Visa Signature card must have a minimum $5,000 credit limit. A Visa Infinite must have a $10,000 limit or higher.
Your credit limit also depends on your credit score. Of course, your previous credit history, current income, and monthly expenses can also determine the highest credit limit you qualify for too.
If you have “Excellent Credit” with a credit score above 780, your best option is a premium rewards card. These cards also come with many additional benefits that lower-priced cards don’t offer. If you can justify the higher annual fee, you can give some of the best rewards credit cards a try.
The Credit Cards Offer the Highest Credit Limit
Chase Sapphire Reserve
The Chase Sapphire Reserve® is a Visa Infinite card. This means your credit limit is at least $10,000.
With this flexible travel rewards card, you also get these benefits:
- 3x points on dining
- 50% redemption bonus on award travel
- 1:1 point transfers to airline and hotel partners
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
- 3X points on travel immediately after earning your $300 travel credit
- Priority Pass Select airport lounge membership
- Global Entry or TSA Precheck application fee reimbursement
The Chase Sapphire Reserve review helps explain how the benefits are worth a $550 annual fee.
If you like flexible options, it doesn’t get much better than the Chase Sapphire Reserve®. Your points are worth 50% more when you book award travel on the Chase travel portal. Or, you can also transfer them in 1,000 point increments to travel partners like Southwest Airlines, United, and World of Hyatt.
You will need excellent credit for this card.
Platinum Card from American Express
The Platinum Card® from American Express has a $550 annual fee (See Rates & Fees), but you get these travel benefits:
- $200 annual air travel credit
- $200 in annual Uber ride credits
- Complimentary airport lounge membership
- 1:1 point transfers
The Platinum Card® from American Express is excellent if you fly often. Their rewards points are most valuable for booking award flights.
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5x points on up to $500,000 on these purchases per calendar year. Cardholders also earn 5x points on prepaid hotel bookings through amextravel.com.
Learn more: Johnny Jet Recommended Credit Cards
The Business Platinum Card from American Express
For large business purchases, look to The Business Platinum Card® from American Express.
On each purchase larger than $5,000, you get a 50% bonus, up to one million points annually. Instead of the normal 1 point per $1, you earn 1.5 points per $1 instead. Plus, you get 5 points per $1 on flights and prepaid hotels booked on AmexTravel.com.
With the Business Platinum Card, you earn American Express Membership Rewards points. You can transfer them on a 1:1 basis to the Membership Rewards travel partners. Plus, you’ll get 35% of your points back when you book award flights on AmexTravel.com, up to 500,000 points.
You will also get these free air travel benefits:
- Annual $200 air travel credit (in the form of statement credits) for incidental fees at one select qualifying airline
- Global Entry or TSA PreCheck membership fee credit
- Membership to American Express Global Lounge Collection
New cardholders have the opportunity to earn 85,000 Membership Rewards as part of the welcome offer. To earn the 85,000 bonus points, you will need to spend $15,000 on eligible purchases in the first 3 months of account opening. Additionally, you earn 5x points on eligible purchases in 5 select business categories, up to 80,000 bonus points per category, also within the first 3 months of card membership.
The annual fee is $595 (See Rates & Fees).
Hilton Honors Aspire from American Express
The information for the Hilton Honors American Express Aspire Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
For hotel rewards, the Hilton Honors American Express Aspire Card is one of the few premium hotel rewards credit cards. It’s possible to get two free weekend nights each year. A couple of air travel benefits also come with the Aspire.
Since this is a Hilton Honors co-brand credit card, let’s start with the hotel benefits:
- One free weekend night as a new cardmember and each card renewal
- Second free weekend night after spending $60,000 in a year
- Complimentary Hilton Honors Diamond status
- $250 Hilton Resort statement credit
- $100 on-property Hilton credit
- Earn up to 14x Hilton Honors points on each eligible Hilton purchase
For air travel, you also get a $250 airline fee credit. You can enjoy Priority Pass Select lounge membership as well with the Aspire.
Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card might not come across your radar because it’s a Visa Signature card. While you might only get the $5,000 minimum credit limit, it’s possible you can get more with a higher credit score. For example, some well-qualified cardholders report a $50,000 credit limit. That’s 10x the minimum credit limit!
With the Venture Rewards Card, you earn 2x miles on purchases. You can redeem your miles for award travel and travel statement credits. Furthermore, a recent benefit addition is a Global Entry or TSA PreCheck fee credit, up to $100.
There is a $95 annual fee but you won’t pay any foreign transaction fees.
If you want a flat-rate rewards card, the Capital One Venture Rewards Card is a good option. You earn the same amount of miles on every purchase. Plus, they are worth the same amount for any redemption.
New cardholders can earn 60,000 miles if you spend $3,000 on purchases in the first 3 months of the account opening.
Learn more: Rewards Credit Cards
Summary of the Credit Cards Offer the Highest Credit Limit
Your credit limit depends on several factors. Applying for premium credit cards and having excellent credit are the two best ways. But, you might be surprised at what limit you can get from “mass consumer” rewards cards too.
For rates and fees of The Platinum Card® from American Express, please click here.
For rates and fees of The Business Platinum Card® from American Express, 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 toward travel when you redeem through Chase Ultimate Rewards®
- 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. 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.
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.