The Ultimate Guide to Credit Cards
Tuesday, August 9, 2022

15 Credit Cards with $10,000+ Limits in 2022

Credit Cards With 10000 Limits

credit card advice

Eric Bank

Written by: Eric Bank

Eric Bank

Eric Bank has been covering business and financial topics since 1985, specializing in taking complex subject matters and explaining them in simple terms for consumer audiences. In addition to his work on CardRates.com, Eric has appeared regularly on Credible.com, eHow, WiseBread, The Nest, Get.com, Zacks, Chron and dozens of other outlets. A former software engineer, Eric holds an M.B.A. from New York University and an M.S. in finance from DePaul University.

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Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian brings more than 30 years of editing and journalism experience. 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 instructor at the University of Florida. Today, she edits all CardRates content for clarity, accuracy, and reader engagement.

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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 Ultimate Rewards®, 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 Chase travel purchased through Ultimate Rewards®, 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 16.49% - 25.24%.
  • 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
16.49% - 25.24% 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

4.8/5.0
  • 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
  • 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®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% - 25.49% (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 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

★★★★★
4.7

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 Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 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.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% - 24.49% 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: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 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 - with no annual fee.
  • Redeem Miles to pay any part of your monthly bill, including your minimum payment.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • New Intro APR: 0% intro APR for 15 months on purchases. Then 13.49% - 24.49% Standard Variable Purchase APR will apply.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
13.49% - 24.49% 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

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • 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
  • 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®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% - 25.49% (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.

AIR MILES RATING

★★★★★
4.9

OVERALL RATING

4.7/5.0
  • 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 up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of 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 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.49% - 25.49% (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

★★★★★
5.0

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 Ultimate Rewards®, 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 Chase travel purchased through Ultimate Rewards®, 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 16.49% - 25.24%.
  • 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
16.49% - 25.24% 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

4.8/5.0
  • 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
  • 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
  • 0% intro APR on purchases and balance transfers for 15 months; 16.49%-26.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
16.49% - 26.49% (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

  • Enjoy a $200 cash rewards bonus after spending at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings and 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
  • Unlimited 1% cash back on all other purchases
  • Introductory 0% APR for your first 15 billing cycles for purchases and balance transfers made within 60 days of account opening (balance transfer fee applies), then a variable APR applies
  • Preferred Rewards members earn 25% - 75% more cash back on every purchase
  • $0 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 billing cycles
0% for 15 billing cycles
15.49% - 25.49% Variable
$0
Good/Excellent

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

★★★★★
4.9

OVERALL RATING

  • New Offer: 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®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on air travel 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
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.49% - 25.49% 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 Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 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.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% - 24.49% 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 the issuer'ssecure website

POINTS & GIFTS RATING

★★★★★
4.7

OVERALL RATING

  • Earn 50,000 online bonus points (a $500 value) after you make at least $3,000 in purchases in the first 90 days of account opening
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases
  • Flexibility to choose how you redeem your points – redeem for cash back as a deposit into Bank of America® checking or savings accounts, for credit to eligible Merrill® accounts including 529 accounts, as a statement credit to your balance, or for gift cards and purchases at the Bank of America Travel Center
  • Get up to a $100 Airline Incidental Statement Credit annually for qualifying purchases such as seat upgrades, baggage fees, in-flight services, and airline lounge fees - automatically applied to your card statement. Also get up to $100 in Airport Security Statement Credits toward TSA Pre✓ ® or Global Entry Application fees, every four years.
  • No foreign transaction fees
  • $95 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% - 24.49% Variable
$95
Good/Excellent

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 $18,0000, 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 $15,000 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 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 Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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 Ultimate Rewards®
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% - 22.49% 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 $7,500 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.
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A 12 months
14.74% - 20.74% 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 $750 bonus cash back after you spend $7,500 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 purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • 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 12 months
14.74% - 20.74% 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

★★★★★

4.7

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 Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 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.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% - 24.49% 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.

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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