Writer: Ashley Fricker
Editor: Lillian Guevara-Castro
JPMorgan Chase & Co., known simply as Chase, is one of the most popular major credit card issuers in the world, thanks in no small part to its diverse offering of rewards credit cards. And as a credit card user, increasing your credit limit can potentially deliver positive results to your credit report as your credit utilization ratio decreases.
Keep reading for tips to increase your credit limit. Chase provides a couple of options to request a credit limit, which are detailed below. Or you can apply for a new card with a higher limit.
Call | Choose a New Card | 6 Tips from Experts
1. Call the Number on the Back of Your Card
According to the Chase website:
“You may request an increase to your credit line by calling the number on the back of your credit card; you cannot submit a request online at this time. Your request for an increase to your credit limit is subject to the approval of Chase.”
Most issuers allow you to request a credit limit increase online, but Chase no longer offers this feature.
2. Choose a New Chase Credit Card
One way to obtain an increase is to request a new Chase card with a higher limit than your existing card. You may even be able to reallocate a portion of the new credit amount to the card you originally wanted increased as well.
For example, when I closed my Chase Sapphire Reserve®, I was able to reallocate that credit limit to my Chase Freedom Unlimited® to avoid hurting my credit utilization ratio.
Here are some of the best Chase high-limit cards currently available:
Additional Disclosure: Non-Monetized. The information related to Chase Freedom Unlimited® was collected by CardRates and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardRates does not receive commission for this product.
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% 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!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Additional Disclosure: Non-Monetized. The information related to Chase Freedom Flex℠ was collected by CardRates and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardRates does not receive commission for this product.
- Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get more than $2,700 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
- Member FDIC
Additional Disclosure: Non-Monetized. The information related to Chase Sapphire Reserve® was collected by CardRates and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardRates does not receive commission for this product.
3. Read the “6 Expert Tips” for Increasing Limits
If you decide to contact Chase by phone about increasing your limit, we highly recommend you learn the ins and outs of credit limit increases before doing so. Here is a collection of tips from a credit card expert:
You’ll learn whether or not you’re prepared to request an increase, what to say and what not to say, the information you’ll need to provide, and more.
Editorial Note: Our site content is not provided or commissioned by any credit card issuer(s). Opinions expressed on CardRates.com are the author's alone, not those of any credit card issuer, and have not been reviewed, approved, or otherwise endorsed by credit card issuers. Every reasonable effort has been made to maintain accurate information; however, all credit card offer details, including information about rewards, signup bonuses, introductory offers, and other terms and conditions, is presented without warranty. Clicking on any offer on CardRates.com will direct you to the issuer's website, where you can review the current terms and conditions of the offer.
About the Author
