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The best high limit credit cards of 2023 and how to get them with your credit score

CNBC Select takes a look at high-limit credit cards and gives examples of different ones based on your credit score.

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When you open a new credit card account, most issuers will assign you a credit limit. This line of credit can be anywhere from $200 to tens of thousands of dollars, and in most cases, you can't spend more than your limit. 

You can qualify for a higher limit with almost any credit card as long as you have a good or excellent credit score and a stable income, but there are some high-limit cards that offer a minimum cap of $5,000 or more.

Below, CNBC Select takes a look at how you can get a high-limit credit card, the best high-limit credit cards as well as options for those who don't yet qualify.

Best high-limit credit cards

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

On Chase's secure site
  • Rewards

    $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining, 2X points on all other travel purchases, and 1X points on all other purchases

  • Welcome bonus

    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®.

  • Annual fee

    $95

  • Intro APR

    None

  • Regular APR

    20.24% - 27.24% variable on purchases and balance transfers

  • Balance transfer fee

    Either $5 or 5% of the amount of each transfer, whichever is greater

  • Foreign transaction fee

    None

  • Credit needed

    Excellent/Good

See our methodology, terms apply.

Pros

  • Points are worth 25% more when redeemed for travel via Chase Ultimate Rewards®
  • Transfer points to leading frequent travel programs at a 1:1 rate, including: IHG® Rewards Club, Marriott Bonvoy™ and World of Hyatt®
  • Travel protections include: auto rental collision damage waiver, baggage delay insurance and trip delay reimbursement
  • No fee charged on purchases made outside the U.S.

Cons

  • $95 annual fee
  • No introductory 0% APR

Visa Signature-branded credit cards, such as the Chase Sapphire Preferred® Card typically offer a starting credit limit of $5,000 or more. Credit Karma user data suggests that the average limit for the Chase Sapphire Preferred is around $10,000. However, it may be possible for well-qualified applicants to get a six-figure limit, according to some reports.

Chase Sapphire Reserve®

Chase Sapphire Reserve®

On Chase’s secure site
  • Rewards

    Earn 5X total points on flights 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 plus, 10X points on Lyft rides through March 2025

  • Welcome bonus

    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®

  • Annual fee

    $550

  • Intro APR

    None

  • Regular APR

    21.24% - 28.24% variable

  • Balance transfer fee

    5%, minimum $5

  • Foreign transaction fee

    None

  • Credit needed

    Excellent

See our methodology, terms apply.

Pros

  • $300 annual travel credit for travel purchases
  • Global Entry or TSA PreCheck application fee credit up to $100 every four years
  • Priority Pass™ Select lounge access at 1,000+ VIP lounges in over 500 cities worldwide
  • Points are worth 50% more when redeemed for travel via Chase Ultimate Rewards®
  • Special benefits at The Luxury Hotel & Resort Collection
  • Complimentary year of Lyft Pink membership

Cons

  • High annual fee, but it can be offset by taking advantage of all the card’s perks
  • No introductory APR
  • Estimated rewards earned after 1 year: $1,469
  • Estimated rewards earned after 5 years: $3,346

Rewards totals incorporate the points earned from the welcome bonus

A tier above Visa Signature is Visa Infinite cards like the Chase Sapphire Reserve®. These cards offer a starting credit limit of $10,000, according to their terms and conditions. Credit limits are not published on Chase's site for the Sapphire Reserve card, but premium travel cards like this one generally have higher limits. Sapphire Reserve cardholders on sites like myFICO® Forums have reported having a credit limit as high as $80,000.

The Platinum Card® from American Express

The Platinum Card® from American Express

On the American Express secure site
  • Rewards

    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, 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel, 1X points on all other eligible purchases

  • Welcome bonus

    Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.

  • Annual fee

    $695

  • Intro APR

    None

  • Regular APR

    See Pay Over Time APR

  • Balance transfer fee

    N/A

  • Foreign transaction fee

    None

  • Credit Needed

    Excellent/Good

Pros

  • Up to $200 in annual airline fee credits
  • Up to $200 in annual Uber savings
  • 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, through American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card®  on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times (enrollment required)
  • $155 Walmart+ Credit: Cover 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. Plus Ups are excluded.

Cons

  • $695 annual fee
  • No special financing offers on new purchases

Several popular Amex cards such as The Platinum Card® from American Express don't have any preset spending limits at all. Rather, they have ever-changing spending limits based on your behavior and history as a cardholder — and they are constantly in flux. Depending on the cardholder, this could mean a limit that's double or triple that of a traditional card. However, you'll need to pay your balance off in full each month to avoid the Pay Over Time feature's steep APR; see rates and fees. Cardholders can check their spending power via a tool on the Amex website and app or by calling in. Terms apply.

Chase Freedom Unlimited®

Chase Freedom Unlimited®

On Chase's secure site
  • Rewards

    Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases

  • Welcome bonus

    Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back. That's 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.

  • Annual fee

    $0

  • Intro APR

    0% for the first 15 months from account opening on purchases and balance transfers

  • Regular APR

    19.24% - 27.99% variable

  • Balance transfer fee

    Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that, either $5 or 5% of the amount of each transfer, whichever is greater.

  • Foreign transaction fee

    3% of each transaction in U.S. dollars

  • Credit needed

    Excellent/Good

See our methodology, terms apply.

Pros

  • No annual fee
  • Rewards can be transferred to a Chase Ultimate Rewards card
  • Generous welcome bonus

Cons

  • 3% fee charged on foreign transactions

Often, two cardholders with the same card can have very different credit limits. For example, with the Chase Freedom Unlimited® approved cardholders will either receive the basic level Visa Platinum card (with a minimum credit limit of $500) or the upgraded Visa Signature card (with a minimum credit limit of $5,000), according to Chase Freedom Unlimited's pricing and terms

Capital One QuicksilverOne Cash Rewards Credit Card

Capital One QuicksilverOne Cash Rewards Credit Card

Information about the Capital One QuicksilverOne Cash Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    Unlimited 1.5% cash back on every purchase, up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

  • Welcome bonus

    None

  • Annual fee

    $39

  • Intro APR

    None

  • Regular APR

    29.74% variable

  • Balance transfer fee

    $0 at the transfer APR

  • Foreign transaction fee

    None

  • Credit needed

    Average, Fair, or Limited

See our methodology, terms apply.

Pros

  • Unlimited 1.5% cash back on every purchase
  • Redeem cash back at anytime and for any amount
  • No fee charged on purchases made outside the U.S.

Cons

  • $39 annual fee
  • High variable APR
  • No welcome bonus

If you have less-than-stellar credit and want the opportunity to improve your score, the Capital One QuicksilverOne Cash Rewards Credit Card does the trick and gives you the opportunity to increase your available credit line. You won't have a high limit right away, but Capital One automatically considers you for a higher credit limit after six months of on-time payments.

Cardholders on myFICO® Forums report that using your Capital One card consistently and paying your balance off in full each month is the best way to make sure you get access to a higher credit limit. One member said that cardholders may receive a $100 increase after their second or third billing statement. Once your score gets into the good range, you can try applying for one of the cards listed above or upgrading to another Capital One card.

Platinum Secured Mastercard® from First Tech Federal Credit Union

Platinum Secured Mastercard®

Information about the Platinum Secured Mastercard® has been collected independently by Select and has not been reviewed or provided by the issuer of the cards prior to publication.
  • Rewards

    1 point per $1 spent on all purchases

  • Welcome bonus

    None

  • Annual fee

    $0

  • Intro APR

    None

  • Regular APR

    13.25% - 18.00% variable

  • Balance transfer fee

    None

  • Foreign transaction fee

    None

  • Credit needed

    N/A

See our methodology, terms apply.

Pros

  • No annual fee
  • $25,000 maximum credit limit, which is one of the highest for secured cards
  • No fee charged on purchases made outside the U.S.

Cons

  • $500 minimum security deposit, which is higher than average
  • No clear timeline to upgrade to an unsecured card

For anyone just beginning their credit journey or working to rebuild their credit, secured credit cards can help you get on track. Secured cards require that you make a deposit, usually around $200, which becomes your line of credit. So it's rare that secured cards have high limits. But if you do have the cash to put down a substantial deposit, the Platinum Secured Mastercard® from First Tech Federal Credit Union offers credit limits as high as $25,000. For a higher credit limit, you will need to deposit more money.

You may want a high-limit secured credit card if you find yourself with plenty of savings but you don't yet qualify for a high-limit unsecured card.

FAQs about high-limit cards

What is a high-limit credit card?

A high-limit credit card typically comes with a credit line between $5,000 to $10,000 (and some even go beyond $10,000).

You're more likely to have a higher credit limit if you have good or excellent credit.

A high-limit credit card can help you improve your credit score since it raises your overall available credit and can lower your credit utilization rate. It can also be helpful to cardholders who have high monthly expenses or are looking to purchase a big-ticket item. If you do have a high credit limit, just make sure that you spend within your means and avoid charging more than you can afford. 

What is the highest credit card limit you can get?

Because issuers don't typically advertise credit limits when they market their credit cards, it's hard to say what the highest credit card limit you can get is. However, cardholders have reported getting limits over $100,000 before.

How do you get a high-limit card?

Many card issuers don't publicize their credit limits, but some include a minimum credit limit in their pricing and terms. Be sure to read closely before applying for a credit card so you know what to expect if they do only offer a minimum.

You won't know your exact credit limit until your application is final, and credit limits vary depending on your specific credit score and income.

If you end up with a card that has a lower credit limit than you wanted, you can always ask for a credit limit increase by speaking to your issuer over the phone or making a request online. Some issuers will automatically increase your credit limit once you've made consecutive on-time payments after the first few months.

Are there any high-limit credit cards for average credit?

There are credit cards for those with less-than-stellar credit that want the opportunity to improve their score and increase their available credit line. Secured credit cards are also worth considering for those just beginning their credit journey or working to rebuild their credit.

How high are American Express credit limits?

Unlike other issuers, American Express offers several cards with no preset credit limits. However, there still are spending limits, which are calculated based on factors like your spending patterns, payment history, credit record and income. For well-heeled cardholders, this can mean a six-figure spending limit. American Express allows you to check your spending power before making a large purchase online or by calling in.

Find the best credit card for you by reviewing offers in our credit card marketplace or get personalized offers via CardMatch™.

Our methodology

To determine which are the best high-limit credit cards, CNBC Select analyzed over 230 of the most popular credit cards available in the U.S. We compared each card on a range of features, including: spending limits, rewards, welcome bonus, introductory and standard APR, balance transfer fee and foreign transaction fees, as well as factors such as required credit and customer reviews when available. We also considered additional perks, the application process and how easy it is for the consumer to redeem points.

Catch up on Select's in-depth coverage of personal financetech and toolswellness and more, and follow us on FacebookInstagram and Twitter to stay up to date.

For rates and fees of The Platinum Card® from American Express, click here.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.
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