10 High-Limit Credit Cards for Excellent Credit

By: Alexandra Leslie Updated: 8/14/2018

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If you’ve got a credit score above 750, congratulations! You fall into the minority of consumers with excellent credit. You’ve done your due diligence and handled your past loans and lines of credit responsibly, and it is reflected in your credit score.

With this badge of honor, you’ll receive the best interest rates, save potentially thousands of dollars over your lifetime (assuming you keep your score up), and get access to the best credit cards on the market with high credit limits.

10 Best Cards for Excellent Credit

These credit cards generally offer the best rewards programs, exclusive member benefits, low interest rates, and the potential for high credit limits. When you have excellent credit, you’re viewed as a low-risk borrower by issuers, and these cards are only available to people such as yourself.

Without further ado, these are our experts’ 10 best credit cards for excellent credit.

With so many fantastic options, how do you narrow it down? Easy — simply choose the card with the benefits that best match your spending habits and lifestyle. If you travel frequently, for instance, focus on cards with bonus rewards for flight and hotel purchases and valuable travel benefits. If groceries and dining out are your biggest expenses, however, go with a card that rewards you for every meal.

How to Receive a High Credit Limit

Just because you have excellent credit doesn’t necessarily mean you automatically qualify for a sky-high limit, however. Your credit limit is relative to other factors such as income.

Before the economic downfall in 2008, it wasn’t uncommon for consumers to see credit limits as high as $50,000 on a single credit card. But when the recession hit and so many consumers defaulted on their loans, the banks were the ones in deep waters. Understandably, they’ve tightened their reins and credit limits haven’t been quite so generous since then. Same goes for mortgages — it’s harder to get a mortgage now than it was prior to 2008.

You may have to settle for a lower credit limit than you had in mind originally, but you can request an increase after six months. As long as you continue your good spending and payment habits, you shouldn’t have any issues increasing your limit over time.

Photo credits: CreditSesame.com

Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

About the Author

Alexandra Leslie

Since receiving Bachelor's degrees in Political Science and Psychology, Alexandra enjoys studying socioeconomic factors in business, behavior and politics. When she isn't gathering intel on the latest trends and experts in business and finance, you can find her at the gym, searching for gluten-free goodies on Pinterest or enjoying a night out with friends.