The Ultimate Guide to Credit Cards
Tuesday, September 22, 2020

15 Credit Cards with $10,000+ Limits in 2020

Credit Cards With 10000 Limits

credit card advice

Eric Bank
By: Eric Bank
Updated: May 14, 2020
Advertiser Disclosure

Some say $10,000 isn’t what it used to be. Maybe, but it still has a sweet ring to it, especially if it describes your credit card spending limit. Cards don’t advertise credit limits, but most applicants need good to excellent credit to snag one of these beauties.

Even if your credit score tops 780, your limit isn’t assured, because several factors figure into the equation. For one thing, issuers evaluate factors like your income, current indebtedness, even your job history — all available on your credit report. You can increase your chances of a higher limit by paying down your balances, transferring balances, or simply asking for an increase.

If you qualify, you’ll be privy to a world of luxury, with perks like unlimited airport lounge access, free concierge service, and generous rewards. Our experts have evaluated the best credit cards with $10,000+ limits. If that sounds like your cup of Earl Grey, read on for our top picks, including categories for overall best, miles, cash back, points, and business cards. We’ll also answer some of the most commonly asked questions on this topic.

Overall | Miles | Cash Back | Points | Business | FAQ

Best Overall Cards with $10,000+ Credit Limits

If you belong to the privileged community of consumers with excellent credit, we judge these three high-limit cards to be your best overall choices. And if your score is “merely” average, consider these cards as a reward for nudging your credit higher. Annual fees range from moderate to substantial.

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.99%-23.99% Variable
$550
Good/Excellent

The Chase Sapphire Reserve® card offers great travel benefits and valuable rewards. The average credit limit is $22,000, while the average credit score of approved cardholders is 766. Chase approves about 84% of this card’s applicants but has rejected applicants with the top credit score of 850. Reportedly, credit scores as low as 580 have been approved.

BEST OVERALL RATING

★★★★★
4.9

OVERALL RATING

4.9/5.0
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 10+ travel loyalty programs
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 24.49% (Variable)
$95
Excellent, Good

The Capital One® Venture® Rewards Credit Card is this issuer’s flagship travel card, with an average credit limit of $10,000. One reviewer received a $15,000 line with an average score of 662. Another one got a $50,000 credit limit. The average score appears to be 725 or so, and you can expect a minimum credit limit of $5,000.

3. Capital One® Savor® Cash Rewards Credit Card

This card is currently not available.

Best Overall Rating

★★★★★
N/A

OVERALL RATING

N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

The Capital One® Savor® Cash Rewards Credit Card offers unlimited cash back and a signup bonus when you spend the required amount on purchases in the first three months. One cardmember reports receiving a credit limit of $30,000 with a credit score of 805. Capital One states that this card is for applicants with an excellent credit level.

Air Miles Cards with $10,000+ Credit Limits

If you like your rewards in the form of miles, these three cards will oblige with generous benefits and potentially high credit limits. All three are designed to make travel more convenient and rewarding for those who qualify.

AIR MILES RATING

★★★★★
5.0

OVERALL RATING

4.9/5.0
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 10+ travel loyalty programs
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 24.49% (Variable)
$95
Excellent, Good

The Capital One® Venture® Rewards Credit Card has been known to issue credit limits as high as $50,000. The average accepted credit score is about 725 and the average credit limit is $10,000. The card offers unlimited travel miles, a generous signup bonus, and an annual travel credit for TSA Pre✓® or Global Entry fees.

5. Discover it® Miles

This card is currently not available.

Air Miles Rating

★★★★★
N/A

OVERALL RATING

N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

The Discover it® Miles card offers miles rewards on every purchase, no blackout dates, and friendly introductory terms. Use your card wisely, save up the rewards, and maybe take your next vacation for free!

One card owner with a 725 FICO score and a clean history reported receiving a $20,000 credit limit. Another reported credit limit for this card was $26,000.

AIR MILES RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Transfer your miles to over 10+ travel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
15.49% - 25.49% (Variable)
$0
Excellent, Good

The Capital One® VentureOne® Rewards Credit Card is pitched to applicants with excellent credit. It offers unlimited miles, a good bonus offer for new cardmembers, and no annual fee. Reports indicate that the card has a minimum credit limit of $2,000 and an average limit of $5,000.

By one report, applicants with scores around 750 receive limits of at least $10,000. Other online posts report limits of $20,000+.

Cash Back Cards with $10,000+ Credit Limits

If you prefer to take your rewards as clean hard cash, consider these three high-limit cash back cards. Each one has been reported to offer credit limits of at least $10,000 to accompany their excellent rewards and benefits.

CASH BACK RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A
14.99% - 23.74% Variable
$0
Good/Excellent

The Chase Freedom Unlimited® card offers 3% cash back in the first year on purchases of up to $20,000, and unlimited 1.5% cash back after that. We found one report of an $11,500 credit limit approved for a person with a 725 credit score. However, most users report receiving a lower limit. There is no annual fee with this card.

8. Capital One® Savor® Cash Rewards Credit Card

This card is currently not available.

Cash Back Rating

★★★★★
N/A

OVERALL RATING

N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

The Capital One® Savor® Cash Rewards Credit Card is designed for those with excellent credit. It offers 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. A cardmember with a credit score of 805 reported $11,500 credit limit. The annual fee is waived for the first year.

Bank of America® Cash Rewards Credit Card Review

at Bank Of America'ssecure website

EXPERT'S RATING

★★★★★
4.9

OVERALL RATING

4.7/5.0
  • 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings
  • 2% cash back at grocery stores and wholesale clubs
  • 1% cash back on all other purchases
  • Enjoy a $200 cash rewards bonus after spending at least $1,000 in purchases in the first 90 days of account opening
  • Introductory 0% APR for your first 12 billing cycles for purchases and balance transfers made within 60 days of account opening (balance transfer fee applies)
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
0% for 12 months
13.99% - 23.99%
$0
Good/Excellent

The Bank of America® Cash Rewards Credit Card offers cash back with a twist: You get to choose the category where you receive 3% cash back, while other purchases earn 1% to 2%. One cardmember reports having a $15,000 credit limit for the last three years.

Points Cards with $10,000+ Credit Limits

Points are a flexible reward because you can use them for purchases and travel, or convert them into cash back. These three cards may offer well-qualified applicants a credit limit well above $10,000.

POINTS & GIFTS RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.99%-23.99% Variable
$550
Good/Excellent

An average credit score of 766 will earn Chase Sapphire Reserve® cardmembers an average credit limit of $22,000. While 84% of applicants receive approval, some applicants with scores as high as a perfect 850 have been rejected. On the other hand, Chase reportedly has approved cardmembers with scores as low as 580.

POINTS & GIFTS RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99% Variable
$95
Good/Excellent

The Chase Sapphire Preferred® card offers premium dining and travel rewards as well as a generous introductory bonus. Research indicates that the average credit score is about 741, coupled to an average credit limit around $10,000. However, one person put the initial limit at $100,000. The minimum credit limit is reportedly $5,000.

12. Wells Fargo Propel American Express® Card

The Wells Fargo Propel American Express® Card is a no-annual-fee card with 3x points on selected purchases, and 1x on all others. One cardmember reports receiving an $18,000 credit limit, but another one complained about a $2,000 limit despite an 800+ score. The card charges no foreign currency conversion fees and offers free cellphone protection.

Wells Fargo Propel American Express® Card

  • Receive 0% APR on new purchases and balance transfers for 12 months
  • Earn 3x points on eating out and ordering in, gas, and travel
  • Pay $0 annual fee

While this card operates on the American Express network, as its name implies, the card is issued by Wells Fargo. This means that the card is accepted anywhere that accepts American Express, but you’ll actually deal with Wells Fargo and log into your Wells Fargo account to pay your bill, use your rewards, and track your purchases.

(The information related to Wells Fargo Propel American Express® Card has been collected by CardRates.com and has not been reviewed or provided by the issuer or provider of this product or service.)

Business Cards with $10,000+ Credit Limits

If anyone needs a high credit limit, it’s business owners. The high limits come in handy when purchasing supplies, equipment, flights, and services. Two of the cards come from Chase, which, along with a card from Capital One, are our top picks for high-limit business cards.

BUSINESS CARD RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99%-20.99% Variable
$95
Good/Excellent

All indications point to the availability of a high credit limit from the Ink Business Preferred® card. For starters, it offers 3X points on the first $150,000 spent each year on specified purchases, implying a high credit limit. Furthermore, you must spend $5,000 in the first three months to receive the 80,000-point bonus. Finally, a source puts the minimum credit score at 720.

14. Capital One® Spark® Cash for Business

This card is currently not available.

Business Rating

★★★★★
N/A

OVERALL RATING

N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

The Capital One® Spark® Cash for Business is aimed at small businesses with excellent credit ratings. One cardmember reports a $60,000 credit limit and charges $120,000 per month. The cardmember confirms that Capital One will extend your spending limit if it’s justified by your usage and payment history. You don’t pay the annual fee for the first year.

Ink Business Cash℠ Credit Card Review

at the issuer'ssecure website

BUSINESS CARD RATING

★★★★★
4.9

OVERALL RATING

4.6/5.0
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A
13.24% - 19.24% Variable
$0
Good/Excellent

The Ink Business Cash℠ credit card offers an array of rewards and benefits, including up to 5% cash back on the first $25,000 spent each year on selected purchases. Reports suggest initial credit limits as high as $10,000 to $15,000. The card offers employee cards at no extra cost, $0 liability protection, fraud alerts, and other built-in protections.

Which Credit Card Offers the Highest Credit Limit?

Let’s be clear from the start — credit limit reports are not official statements from the card issuers. Rather, they are comments made in forums and other venues relating to personal experiences with various cards.

We evaluate the comments before including them in our reviews, but no one can testify to their veracity. Nonetheless, we have found the information useful when backed by multiple reports and other evidence.

In previous research, we named Chase Sapphire Preferred® as the card with the highest overall credit limit. According to a report attributed to a Chase customer service representative, the maximum credit limit is normally $100,000. Moreover, she states that she has seen credit limits as high as $225,000 and puts the theoretical limit above $500,000.

We have yet to find any other cards with limits as high as these, but that doesn’t rule out the possibility. It might simply be that folks who receive these extraordinary credit limits keep the information to themselves. We note that the card’s big brother, the Chase Sapphire Reserve® card, should allow equally high credit limits, if not higher.

If you are looking for a high “air miles” credit limit, the Capital One® Venture® Rewards Credit Card has a reported limit of up to $50,000. That kind of limit can come in handy for vacation travel, especially if you’re flying abroad. You can use the card’s rewards to fly on any airline with no blackout dates, and you can transfer your miles to more than a dozen travel rewards programs.

How Do I Get a Large Credit Card Limit?

Evidence suggests that the issuers’ credit card limit policies are occasionally applied inconsistently. We commonly receive reports of relatively high limits given to folks with mediocre credit scores, while people with excellent scores have trouble getting the limits they request.

Often, there are extenuating circumstances such as already owning other cards from the same issuer or running up against an overall authorized credit limit per individual.

Happy Credit Card Holder

Higher credit scores are a key factor in achieving expanded credit limits.

Nonetheless, your best route to obtain a card with a large limit is to improve your credit score. We have found that credit scores in the 781-850 range receive on average a credit limit of $9,543. The 661-780 range can expect an average credit limit of $5,209, a drop of more than $4,000.

Clearly, the best scores get the highest limits, on average. It’s the occasional aberration, in which a low score gets a high limit, on which some consumers hang their hopes. However, that is not a reliable strategy, whereas improving your credit score works.

Part of the issuers’ offers depends on factors beyond your credit score. For example, they may offer a lower limit if you have a high credit utilization ratio — that is, the credit you are using divided by the credit you have available.

Anything higher than 30% may count against you. Other factors in the mix may include your income, the age of your oldest accounts and your experience paying balances on time. Of course, higher scores can provide other benefits besides larger credit limits, such as lower APRs and fees.

Naturally, it often helps to request a higher credit limit from your card issuer. The request should go to only one card issuer. The reason is that these requests will show up on your credit report. If multiple issuers see multiple requests, your chances of approval will drop, as will your credit score. If you look desperate for money, don’t expect a card issuer to reward you with a higher limit.

Does Having a High Credit Limit Affect Your Credit Score?

As discussed earlier, part of your credit score depends on your credit utilization ratio (CUR). A good CUR means you are using less than 30% of all the credit available to you. Having a high credit limit in itself should not be a negative factor.

However, a high credit utilization ratio, or a sudden increase in the overall amount of credit you use in relation to the total credit available to you can signal financial distress to card issuers. This may, in turn, hurt your credit score. Conversely, having a high credit limit makes it easier to keep your utilization ratio low.

For example, if your total credit limit is $20,000 and you have a $10,000 balance, your 50% CUR is clearly a negative factor that may hurt your score. On the other hand, if your credit limit is $100,000, your CUR is only 10%, which serves to support your credit score.

Credit Score Aerial View

Credit utilization ratio is one of the factors that affects your credit score.

If you plan a credit card purchase that will use a large part of your high credit limit (say, to finance a wedding or vacation), it may be a good idea to alert the card issuer in advance.

You want to reassure the credit card company that the sudden increase in CUR is well planned for a specific event, not indicative of financial distress. You can include your repayment plans in your conversation. By discussing your plans with the issuer, you may avoid any negative impact on your credit score.

Another way a high limit helps your credit score is that it is evidence of your creditworthiness. This is especially true if you have received limit increases, either unsolicited or by request.

The issuer evaluated your credit before agreeing to a higher limit, and that is powerful evidence supporting your credit score.

Excellent Credit is Required for a Large Credit Limit

Higher credit limits are out there. All you need is an excellent credit score, usually defined as 780+. Our survey of cards with high limits revealed one, Chase Sapphire Preferred®, with a reported limit of $100,000 or higher. All the others have limits that exceed $10,000, some substantially higher. There is no reason to shy away from a high-limit card as long as you keep your credit utilization ratio below 30%.

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