The Ultimate Guide to Credit Cards
Saturday, June 15, 2024

11 Credit Cards with $10,000+ Limits (2024)

Credit Cards With 10000 Limits
Eric Bank

Written by: Eric Bank

Eric Bank
Eric Bank

Eric Bank is an M.B.A. who has covered financial and business topics since 1985, appearing regularly on Credible, eHow, WiseBread, The Nest, Zacks, Chron, BadCredit.org and dozens of other outlets. Eric specializes in taking complex subject matters and explaining them in simple terms for consumer audiences, particularly in the world of personal finance. Eric holds a Master's in Business Administration from New York University and a Master's in Finance from DePaul University.

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Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro
Lillian Guevara-Castro

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct journalism instructor at the University of Florida. Today, Lillian edits all CardRates content for clarity, accuracy, and reader engagement.

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Reviewed by: Jon McDonald

Jon McDonald
Jon McDonald

Jon leverages 15-plus years of journalism expertise to inform financial consumers about emerging trends and companies making an impact in the industry. He is most knowledgeable in the areas of budgeting, credit card rewards, and responsible credit use. Jon has a passion for writing and editing, and his articles have appeared in publications produced by The New York Times.

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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. You can increase your chances of a higher limit by paying down your debt, 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.

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 score higher. Annual fees range from moderate to substantial.

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
20.49% - 29.24% Variable
$0
Good/Excellent

What’s not to like when it comes to the Chase Freedom Unlimited® card? Not only does it offer a substantial signup bonus to new cardholders and ongoing cash back rewards, it also offers credit limits above $10,000. While many users receive credit limits below the $10,000 mark, the card’s attractive cash back bonuses and its $0 annual fee make it one of the top credit cards on the market.

BEST OVERALL RATING

★★★★★
4.8

OVERALL RATING

  • 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
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.99% - 29.99% (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 person got a $50,000 credit limit. The average score for cardholders appears to be 725 or so, and you can expect a minimum credit limit of $5,000.

BEST OVERALL RATING

★★★★★
4.9

OVERALL RATING

  • 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 Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • 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.
  • Member FDIC
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
21.49%-28.49% Variable
$95
Good/Excellent

The Chase Sapphire Preferred® Card offers a generous signup bonus and top-tier travel insurance. It is a Visa Signature card, which means it comes with a minimum credit limit of $5,000, though a Chase customer service rep said the highest she’s seen is $225,000.

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.

Discover it® Miles Review

at Discover Card'ssecure website

AIR MILES RATING

★★★★★
4.9

OVERALL RATING

  • UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase
  • No annual fee
  • Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
  • 0% intro APR for 15 months on purchases. Then 18.24% - 28.24% Standard Variable Purchase APR will apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Terms and conditions apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
18.24% - 28.24% Variable APR
$0
Excellent/Good

The Discover it® Miles 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

★★★★★
4.8

OVERALL RATING

  • 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
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.99% - 29.99% (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.

AIR MILES RATING

★★★★★
4.8

OVERALL RATING

  • 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
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.99% - 29.99% (Variable)
$395
Excellent

The Capital One Venture X Rewards Credit Card is the premium version of the card above, which means it should, theoretically, come with an even higher credit limit. It is a Visa Infinite card — Visa’s most premium offering — which has a minimum credit limit of $10,000. Though according to Reddit reviews, initial credit reports seem to range from $15K to $35K.

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

★★★★★
4.8

OVERALL RATING

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
20.49% - 29.24% Variable
$0
Good/Excellent

The Chase Freedom Unlimited® card offers cash back rewards on each and every purchase made. Cash back rewards are unlimited and do not expire as long as the account is active. 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.

CASH BACK RATING

★★★★★
4.8

OVERALL RATING

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
19.99% - 29.99% (Variable)
$0
Excellent, Good

The Capital One Quicksilver Cash Rewards Credit Card is a flat-rate cash back card with a cash signup bonus and no annual fee. We found one report of a cardholder with a 773 FICO Score approved with an initial $10,000 limit.

Bank of America® Customized Cash Rewards credit card Review

at Bank Of America'ssecure website

EXPERT'S RATING

★★★★★
4.9

OVERALL RATING

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 billing cycles for purchases
0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 4%)
19.24% - 29.24% Variable APR on purchases and balance transfers
$0
Excellent/Good

Additional Disclosure: Bank of America is a CardRates advertiser.

The Bank of America® Customized 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

  • 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 Travel℠.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ 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
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
22.49%-29.49% 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

★★★★★
4.8

OVERALL RATING

  • 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 Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • 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.
  • Member FDIC
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
21.49%-28.49% 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.

Bank of America® Premium Rewards® credit card Review

at Bank Of America'ssecure website

POINTS & GIFTS RATING

★★★★★
4.7

OVERALL RATING

  • Low $95 annual fee.
  • Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
  • Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
  • Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
  • No foreign transaction fees.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
21.24% - 29.24% Variable APR on purchases and balance transfers
$95
Excellent/Good

Additional Disclosure: Bank of America is a CardRates advertiser.

The Bank of America® Premium Rewards® credit card is a Visa Signature card with a minimum credit limit of $5,000. But this reviewer was approved with an initial credit limit of $18,000, and several other reports share similar high credit limits.

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

★★★★★
4.6

OVERALL RATING

  • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
  • 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
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel℠
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
21.24%-26.24% Variable
$95
Good/Excellent

All indications point to the availability of a high credit limit from the Ink Business Preferred® Credit Card. One lucky businessowner was approved with an intial $40,000 limit, though it’s worth noting he applied in a branch. The reported minimum credit score required for approval is 720.

BUSINESS CARD RATING

★★★★★
4.7

OVERALL RATING

  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A 12 months
18.49% - 24.49% Variable
$0
Good/Excellent

The Ink Business Unlimited® Credit Card is aimed at businessowners with good to excellent credit ratings. One cardmember reports a $50,000 credit limit upon approval, though I wouldn’t expect that to be the norm.

BUSINESS CARD RATING

★★★★★
4.6

OVERALL RATING

  • Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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 purchases
  • 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A
18.49% - 24.49% Variable
$0
Good/Excellent

The Ink Business Cash® Credit Card offers an array of rewards and benefits. 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.

BEST OVERALL RATING

★★★★★

4.9

OVERALL RATING

  • 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 Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • 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.
  • Member FDIC
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
21.49%-28.49% Variable
$95
Good/Excellent

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.

Are There Any Downsides to Having a $10,000 Credit Limit?

While the financial flexibility of having a higher credit limit is a plus, you should be wary of some of the drawbacks. You should be aware of some common pitfalls of a sudden increase in spending power.

First, you may feel tempted to spend more money. If you aren’t financially disciplined, qualifying for a significantly higher credit limit may feel like a windfall. But resist the urge to go on a spending spree, as the debt will accumulate rapidly.

That can be exacerbated by higher interest payments as you continue to spend. As your balance creeps higher, so do your monthly interest payments. Take care to avoid using up too much of your credit limit, as you could end up with unsustainably high minimum payments.

If you treat a credit card with a $10,000 limit as if the limit is much lower, you can avoid overspending and maintain your financial momentum.

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® Card, 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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