6 Tips: How to Increase Chase Credit Limit

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

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.

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:

Chase Freedom Unlimited®

CardRates Expert Rating

Chase Freedom Unlimited®

4.8/5.0

About this rating

Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.

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Ashley Fricker Senior Editor

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★★★★★ 4.8/5.0

Our Review »

• Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• Enjoy 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; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% 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 18.99% - 28.49%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC

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Intro (Purchases) 0% Intro APR on Purchases 15 months

Intro (Transfers) 0% Intro APR on Balance Transfers 15 months

Regular APR 18.99% - 28.49% Variable

Annual Fee $0

Credit Needed Good/Excellent

Chase Freedom Flex℠

CardRates Expert Rating

Chase Freedom Flex℠

4.8/5.0

About this rating

Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.

Ashley Fricker Senior Editor

Close

★★★★★ 4.8/5.0

• 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.

Show MoreShow Less See application, terms and details »

Intro (Purchases) 0% Intro APR on Purchases 15 months

Intro (Transfers) 0% Intro APR on Balance Transfers 15 months

Regular APR 19.24% - 27.99% Variable

Annual Fee $0

Credit Needed Good/Excellent

Chase Sapphire Preferred® Card

CardRates Expert Rating

Chase Sapphire Preferred® Card

4.9/5.0

About this rating

Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.

See Our Review»

Ashley Fricker Senior Editor

Close

★★★★★ 4.9/5.0

Our Review »

• Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• 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
• Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
• 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Member FDIC

Show MoreShow Less See application, terms and details »

Intro (Purchases) N/A

Intro (Transfers) N/A

Regular APR 19.99% - 28.24% Variable

Annual Fee $95

Credit Needed Good/Excellent

+ See more Chase credit cards

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:

• 6 Expert Tips: Increase Your Credit Limit

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.