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You may be curious (and surprised) to find the credit cards that offer the highest credit limit. Having the highest credit limit possible on your credit cards can really help you in a pinch and can provide peace of mind. 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. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
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.
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.
Some of the Credit Cards that 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
Chase Sapphire Reserve purchases earn up to 10x Chase Ultimate Rewards®. Cardholders can earn unlimited:
- 10x total points on hotels and car rentals purchases through Chase Ultimate Rewards (after the first $300 is spent on travel purchases annually)
- 10x total points on Chase Dining purchases with Ultimate Rewards
- 5x total points on flights when you purchase travel through Chase Ultimate Rewards (after the first $300 is spent on travel purchases annually)
- 3x points on other travel worldwide (after the first $300 is spent on travel purchases annually)
- 3x points on other dining at restaurants, including eligible delivery services, takeout, and dining out
- 1x points for all remaining purchases
Note that you will not receive rewards points on your first $300 in annual travel purchases as the annual travel statement credit reimburses these 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® cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when redeemed through Chase Ultimate Rewards®.
Points are worth 50% more when redeemed for statement credits against existing purchases in select, rotating categories with the Chase Pay Yourself Back feature.
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. Plus, note that their rewards points are most valuable for booking award flights.
Cardholders 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, and earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Cardholders can get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, with American Express Travel when paying with their Platinum Card®.
Also, get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
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.
Other Platinum Card from American Express Benefits
There’s also a new digital entertainment credit for select streaming services. 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 $189 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 when you pay with your Platinum Card®. This amounts to up to $300 annually. Enrollment required.
There is also a $155 Walmart+ credit to enjoy. This covers the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
Get the full details and learn more in our in-depth The Platinum Card from American Express review.
The annual fee is $695 (See Rates & Fees) but can be offset with the perks, which are valued at over $1,400.
Welcome Bonus Offer
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. Plus, new cardholders can choose new Platinum Card designs! Select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. 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.
Earn 5x Membership Rewards® points per $1 on flights and prepaid hotels booked on AmexTravel.com.
Cardholders earn 1.5x Membership Rewards® points for each eligible purchase of $5,000 or more as well as 1.5x Membership Rewards® points on eligible U.S. purchases in the following select business categories (up to $2 million per calendar year):
- Construction material and hardware suppliers
- Electronic goods retailers and software & cloud system providers
- Shipping providers
Additionally, unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies (up to $200 semi-annually), up to $360 with Indeed, up to $150 with Adobe, and up to $120 on wireless telephone purchases. Enrollment required.
Plus, get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline. The Business Platinum Card from American Express is awesome for business owners who also travel.
Other airport benefits include a $189 annual CLEAR® credit when you use your Card to enroll in CLEAR® membership and access to more than 1,400 airport lounges across 140 countries and counting with The American Express Global Lounge Collection®. You’ll have more lounge location options than any other credit card on the market (as of 9/2021).
If you’re a big spender that wants travel rewards, you will like The Business Platinum Card from American Express.
Welcome Bonus Offer
New The Business Platinum Card® from American Express cardholders have the opportunity to earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
The annual fee is $695 (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
This can be one of the best hotel credit cards.
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. However, earn 5x miles on hotels and rental cars booked through Capital One Travel. Plus, Venture cardholders will earn 5x miles when booking through the Turo app or on Turo.com (through May 16, 2023).
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 75,000 miles after spending $4,000 on purchases in the first 3 months.
Bonus: Capital One Venture X Rewards Credit Card
The Capital One Venture X Rewards Credit Card is a great option if you want premium benefits, such as a fee credit of up to $100 for Global Entry or TSA PreCheck, Capital One Lounge and worldwide Priority Pass lounge access, and up to $300 back annually as statement credits for bookings through Capital One Travel.
Cardholders also earn unlimited:
- 10x miles on hotels and rental cars booked through Capital One Travel
- 5x miles on flights booked through Capital One Travel
- 2x miles on all other purchases
Plus, get 10,000 bonus miles (equal to $100 towards travel) every year, starting on the first anniversary.
Use the miles you earn to cover your travel expenses. This can include flights, hotels, rental cars, and more. You can also transfer your miles to several Capital One travel partners.
New Capital One Venture X Rewards Credit Cards cardholders can earn 75,000 bonus miles when they spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
This is one of the best Capital One credit cards.
The annual fee is $395 but there are no foreign transaction fees.
In conclusion, 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.
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For rates and fees of The Platinum Card® from American Express, please click here.
And 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
- 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.
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.