This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Disclosure, visit this page.
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.
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
Editor’s Note: Some of the offers below may have expired or are no longer available on our site.
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:
- 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
- Priority Pass Select airport lounge membership
- Global Entry or TSA PreCheck application fee reimbursement
Plus, earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.
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.
New Chase Sapphire Reserve® cardmembers can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening, worth $900 toward travel when redeemed through Chase Ultimate Rewards®.
Additional Perks for 2021
Gas station and grocery store purchases will also count towards earning the annual $300 travel credit, through December 31, 2021. Cardholders can also earn up to $120 in statement credits on Peloton Digital and All-Access Memberships through December 31, 2021.
This is in addition to the complimentary DoorDash DashPass subscription that lets cardholders get unlimited deliveries with a $0 delivery fee and reduced service fees. They also earn up to $120 in statement credits on DoorDash purchases ($60 in statement credits through 2020 and another $60 in statement credits through 2021).
Sapphire Reserve cardholders earn 10x points on Lyft rides, including bikes and scooters. Complimentary Lyft Pink Membership is also available when activated by March 21, 2022. Points are worth 50% more through Sept. 30, 2021, when redeemed for statement credits against existing purchases in select, rotating categories with the Chase Pay Yourself Back feature. Points are also worth 50% more when redeemed through the Chase Dining hub in Ultimate Rewards, now through Sept. 30, 2021.
You will need excellent credit for this card.
The Platinum Card from American Express
The Platinum Card® from American Express has a $695 (See Rates & Fees) but can be offset with the perks, which are valued at over $1,400. You get these travel benefits:
- $200 annual air travel credit (in the form of a statement credit; enrollment required)
- Complimentary airport lounge membership (enrollment required)
- 1:1 point transfers
- Terms apply
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, up to $500,000 on these purchases per calendar year. Cardholders also earn 5x points on prepaid hotel bookings through amextravel.com.
Note that No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
Cardholders can get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when paying with their Platinum Card®.
If you ride Uber or use Uber Eats, this credit will make you happy. Cardholders can enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
Plus, American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
Terms apply. Enrollment may be required.
New The Platinum Card from American Express Benefits
There’s also a new digital entertainment credit. Cardholders can get up to $20 in statement credits each month when you pay for eligible purchases with The Platinum Card® from American Express at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
In addition to enjoying TSA PreCheck or Global Entry access, cardholders can also enjoy CLEAR perks. Cardholders can use their Card and get up to $179 back per year on their CLEAR® membership. Terms apply.
Another exciting new benefit is the ability for cardholders to enjoy up to $25 back each month on select Equinox memberships. This amounts to up to $300 annually. Enrollment required.
Get the full details and learn more in our in-depth The Platinum Card from American Express review.
New The Platinum Card® from American Express cardmembers can earn 100,000 Membership Rewards® Points after spending $6,000 on purchases on the Card in the first 6 months of Card Membership. New cardholders also earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership. Terms apply.
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—enrollment required) for incidental fees at one select qualifying airline
- Global Entry or TSA PreCheck membership fee credit
- Membership to American Express Global Lounge Collection
Plus, cardholders can now breeze through security with CLEAR® (where available) and get up to $179 back per year on your membership when you use your Card. Terms apply.
If you’re a big spender that wants travel rewards, you will like The Business Platinum Card from American Express.
New The Business Platinum Card® from American Express cardholders have the opportunity to earn 100,000 Membership Rewards as part of the welcome offer. To earn the 100,000 bonus points, they need to spend $15,000 on eligible purchases on their card in 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 (enrollment required)
- $250 Hilton Resort statement credit
- $100 on-property Hilton credit
- Earn up to 14x Hilton Honors points on each eligible Hilton purchase
- Terms apply
For air travel, you also get a $250 airline fee credit (enrollment required). You can enjoy Priority Pass Select lounge membership as well with the Aspire.
The annual fee is $450 (See Rates & Fees).
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 Capital One Venture Rewards Credit Card cardholders can earn 60,000 miles after spending $3,000 on purchases in the first 3 months.
Learn more: Travel Rewards Credit Cards
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.
And For rates and fees of the Hilton Honors American Express Aspire 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®.
- Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points 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, 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.
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.