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Having the highest credit limit possible on your credit cards can really help you in a pinch when the unexpected occurs 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 With the Highest Credit Limit
Here is a preview of the cards you’ll want to check out, as well as their bonus offers:
- 60,000 Chase Ultimate Rewards®: Chase Sapphire Reserve®
- 80,000 Membership Rewards® points: The Platinum Card® from American Express
- 120,000 Membership Rewards® points: The Business Platinum Card® from American Express
- 150,000 Hilton Honors Bonus Points: Hilton Honors American Express Aspire Card
- 75,000 Miles: Capital One Venture Rewards Credit Card
- 75,000 Bonus Miles: Capital One Venture X Rewards Credit Card
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 rental 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.
This Chase option is not only one of the cards with the highest credit limit, but it’s also one of the top travel cards you can have. Here’s more on the Chase Sapphire Reserve credit score needed for approval.
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®.
The Chase Sapphire Reserve review helps explain how the benefits are worth a $550 annual fee.
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 up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when they pay with the Platinum Card®. The Hotel Collection requires a minimum two-night stay.
Also, select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card.
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.
Other Platinum Card from American Express Benefits
There’s also a digital entertainment credit, making this card one of the best for streaming services. Cardholders can get up to $20 in statement credits each month when they pay for eligible purchases with the Platinum Card®. Enrollment required.
In addition to enjoying TSA PreCheck or Global Entry access, cardholders can also enjoy CLEAR perks. Breeze through security with CLEAR® Plus and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Card.
Another exciting benefit is the ability for cardholders to get up to $300 back each year in the form of statement credits on an Equinox+ subscription or any Equinox club membership when they pay with their Platinum Card. Enrollment required.
Plus, get up to a $155 Walmart+ credit, which 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. The 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
This option, one of the cards with the highest credit limits, also has a great welcome offer.
New The Platinum Card® from American Express cardmembers can earn 80,000 Membership Rewards® points after spending $8,000 on purchases on their new Card in the first 6 months of Card Membership.
The Business Platinum Card from American Express
For large business purchases, look to The Business Platinum Card® from American Express. If you like the American Express Platinum and want a business card, this might be perfect for you. It’s also one of the cards with the highest credit limit.
Earn 5x Membership Rewards® points per $1 on flights and prepaid hotels booked on AmexTravel.com. Earn 1x points for each dollar spent on eligible purchases.
Cardholders earn 1.5x points (that’s an extra half point per dollar) on eligible purchases at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Plus, get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
Additionally, unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
Cardholders can get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when they use their Business Platinum Card®.
The Business Platinum Card from American Express is awesome for business owners who also travel.
With complimentary access to more than 1,400 airport lounges across 140 countries and counting, with The American Express Global Lounge Collection®. You have more airport lounge options than any other credit card issuer on the market as of 03/2023. Enrollment is required for some lounges.
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
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 and one of Hilton’s cards with the highest credit limit.
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.
New cardholders can earn 150,000 Hilton Honors Bonus Points after spending $4,000 in purchases on the Card within the first 3 months of Card Membership.
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.
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, of up to $100.
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel, with the Capital One Venture Rewards Credit Card.
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.
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 $300 back annually for bookings through Capital One Travel.
In addition to having one of the Capital One cards highest credit limits, cardholders can 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.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel, with the Capital One Venture X Rewards Credit Card.
The annual fee is $395, but there are no foreign transaction fees.
Both Capital One Rewards cards are some of the best Capital One credit cards.
In conclusion, the cards with the highest credit limit depend 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.
- The Best United Airlines Credit Cards
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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.
For rates and fees of the Hilton Honors American Express Aspire Card, please click here.