Credit Limit | Credit Card Topics

What is a Credit Limit? How Credit Card Issuers Determine the Maximum Amount You Can Borrow

By: Eric Bank, 10/17/2024

When I was 13 years old, I clearly remember my mother sitting me down and telling me I could be whatever I wanted to be when I grew up — I had a limitless future. Fast-forward a lifetime, and that nice sentiment, unsurprisingly, has not withstood the test of time. Life is filled with all sorts of limits, including financial ones imposed by credit card issuers. A credit limit refers to the amount of credit you can charge on your credit card. It represents your maximum borrowing... read more »

5 Highest-Limit Citi Credit Cards (2024)

By: Zina Kumok, 5/21/2024

As the threat of recession hangs over the US economy, more people are relying on their credit cards to pay for everyday necessities as well as emergencies. That's why having a credit card with a high credit limit matters is helpful, especially now. Some card issuers don’t advertise which of their cards have the highest credit limits, so we did the research for you. Read below to learn more about the highest-limit Citi credit cards — and which Citi cards have low limits. ... read more »

6 Highest-Limit Chase Credit Cards (2024)

By: Eric Bank, 5/6/2024

Chase dominates the credit card industry with more cardholders than any other issuer. Those cardholders are also responsible for the most purchases and the largest sales volume among the major credit card issuers. Chase credit cards are popular because they provide good value for the money, regardless of annual fees. This article examines the Chase consumer and small business cards with the highest credit limits. If you’re looking for a high-quality credit card and a sizable... read more »

11 Highest-Limit Air Miles Credit Cards (Jan. 2025)

By: Eric Bank, 1/2/2025

High spending limits and air miles go together like peanut butter and jelly: The combination is more than the sum of its parts. A high credit limit lets you spend more and accumulate more air miles. You can use your air miles to finance travel, where your high spending limit will come in handy. This article reviews the leading high-limit air-mile cards that you should consider before you plan your next vacation. They’ll save you money and give you plenty of buying power. ... read more »

5 High-Limit Secured Credit Cards (2023)

By: Zina Kumok, 12/19/2023

About 16% of Americans have poor credit, while another 14% have no credit. And though it may seem like there’s no road map to fixing your credit, the answer is often simpler than you realize: a secured credit card. Finding a secured card with a high credit limit can feel like searching for a needle in a financial haystack, but plenty of options are available for consumers who know where to look. Read below for some of the best options for high-limit secured credit cards. ... read more »

12 Bank of America Credit Card Limits (Jan. 2025)

By: Eric Bank, 1/2/2025

All but two reviewed Bank of America credit cards are Visa cards. Most conform to the Visa hierarchy of credit card categories and the associated minimum credit limits. The other two credit cards bear the Mastercard logo. When approving card applications and assigning credit lines, Bank of America evaluates your credit score, credit report, income, debts, and housing costs. This article will help you select the best credit card offer when you have a specific credit limit in... read more »

$2,000 Limit Credit Cards For Fair Credit (2024)

By: Eric Bank, 11/6/2024

A $2,000 credit limit on a credit card for fair credit is pretty, well, fair, especially if said credit card is unsecured. For example, $2,000 is probably enough to handle your monthly grocery and gasoline purchases or a modest vacation. Our review examines several fair-credit credit cards that allow you a $2,000+ credit line. If your FICO score lies in the fair range (580-669), one or more of these cards may deserve a slot in your wallet. Best Credit Cards For Fair Credit... read more »

11 Best High-Limit 0% APR Credit Cards (2025)

By: Eric Bank, 1/2/2025

High spending limits and 0% interest may be the best combo since burgers and fries. We’ve prepared a feast of an article on the best high-limit 0% APR credit cards that should provide good-credit consumers ample food for thought. Spending large sums interest-free is a delicious prospect as long as you don’t overindulge and create an unappetizing pile of debt. But by exercising a little self-control, these cards let you have your cake and eat it too. ... read more »

3 Highest Discover Card Credit Limits (Jan. 2025)

By: Eric Bank, 1/9/2025

Cards on the table: We love Discover credit cards. They are honest, straightforward cards that offer new cardmembers a coveted Cashback or Miles for Miles Match on rewards in the first year of card ownership. Although Discover is a strong candidate for the best credit card issuer, it isn’t particularly well known for its high credit limits. Nonetheless, we’ve identified three of the highest Discover Card credit limits as reported on various web forums. That’s another good... read more »

$100,000 Limit Credit Cards (Jan. 2025)

By: Eric Bank, 1/2/2025

Who the heck needs a $100,000 credit limit? Well, millions of apartment dwellers in New York, London, Tokyo, and dozens of other expensive cities wouldn’t settle for less. Not to mention affluent households in every nook and cranny of this great nation. For folks who can afford them, $100,000 limit credit cards provide the convenience of making large purchases without hassles. Many of these cardowners do not intend to finance their big-ticket purchases but will pay the monthly... read more »

9 Credit Cards With $2,000+ Credit Limits (2024)

By: Eric Bank, 11/6/2024

Some folks may not find a $2,000 credit limit all that impressive, given that the average new card credit line was $5,021 in the third quarter of 2022, according to TransUnion. But when you consider that 56% of Americans can’t cover a $1,000 emergency expense, $2,000 starts to look pretty good. We’ve assembled a list of good-looking credit cards with $2,000+ limits, available to consumers with bad, fair, or good credit. A $2,000+ credit line can come in handy during an... read more »

19 Highest Credit Card Limits by Category (Jan. 2025)

By: Eric Bank, 1/2/2025

Running afoul of your card's credit limit can be a mortifying experience. Imagine being told by the waiter that your card has been declined as your guests look on in embarrassment. You soon find out that your sumptuous dinner for eight puts you way over your card limit. That’s when you resolve that you’ll never go over your credit card limit again. And here you are -- reading all about the credit cards with the highest limits. Naturally, you’ve resolved to maintain reasonably... read more »

$5,000 Limit Credit Cards Guaranteed (2024)

By: Eric Bank, 5/6/2024

Hey big spender, wouldn’t it be nice to have a $5,000 limit credit card guaranteed? The beauty of these cards is that you can use one to make a big-ticket purchase and then repay it in manageable chunks. Plus, they insulate you from the dreaded pardon! when you try to pay the tab at that swanky French restaurant. If you want to confidently avoid the inconvenience and embarrassment of a puny credit limit, read on. Navigate This Article: ... read more »

7 Unsecured Credit Cards With $1,000 Limits (2025)

By: Eric Bank, 1/16/2025

When your credit profile isn’t so hot, finding unsecured credit cards with $1,000 limits can tax your stamina. Relax; we’ve got you covered. Our review focuses on cards that give you a little wiggle room to spend money before being told you’ve exceeded your limit. Navigate This Article: Fair Credit (580-670 FICO) Students Bad Credit (300-579 FICO) FAQs Unsecured... read more »

8 Best $500-$1000 Limit Credit Cards (2023)

By: Adam West, 12/7/2023

As you search for the best $500-$1000 limit credit cards, you should know a few things. For starters, an unsecured credit card will not allow you to choose your credit limit, which means you aren’t guaranteed to get a credit line of between $500 and $1,000. Also, just about every credit card company has minimum and maximum credit limits on the cards they offer. While a card issuer may not publicize these numbers, a little internet sleuthing can give you a good idea of where your... read more »

11 Highest Capital One Credit Limits (2024)

By: Eric Bank, 10/22/2024

Wouldn’t you love to blow away all those nosey celebrities asking you what’s in your wallet by whipping out a few cards with the highest Capital One credit limits? OK, that never happens. But if you’re jonesing for a Capital One credit card that won’t hem in your spending, we’ve scoured the internet forums and official sources to identify the Capital One cards with the most generous credit lines. Highest Overall | No/Limited Credit | Businesses | FAQs Highest Overall... read more »

$1,000+ Limit Credit Cards For Bad Credit (2024)

By: Ashley Fricker, 6/3/2024

Finding $1,000 + limit credit cards for bad credit takes a little bit of know-how, but it’s not impossible. That’s why we’re on your team to help you make the best decision possible to maximize your spending power while improving your credit score along the way. You’ll likely have to consider a secured credit card if you need a four-figure credit line right away. Traditional unsecured credit cards for bad credit usually limit you to an initial credit limit of $500 or less... read more »

12 Best Cards by Credit Limit: $1k, $10k, $50k, $100k+ (Jan. 2025)

By: Eric Bank, 1/2/2025

Credit card credit limits can vary from $200 for consumers with bad credit to more than $1 million on super-premium cards for the rich and famous. In this article, we identify the best credit cards classified within four different credit limit categories. This way, you’ll know the right cards to get no matter what credit limit you qualify for. Navigate This Article: $1K $10K $50K $100K ... read more »

What to Do After a Credit Limit Decrease

By: Marcie Geffner, 2/22/2023

A credit limit increase comes with big benefits. It lets you spend more with your card and earn more points, cash back, travel, and other rewards. A credit limit increase also gives you more credit so you can make larger purchases with your card. It allows you to carry a higher balance if that's appropriate for you. It may boost your credit score and enable you to get better offers from lenders for other types of credit, such as a mortgage, car loan or personal loan. For some, a... read more »

How Credit Card Companies Determine Credit Limits

By: John Ulzheimer, 3/2/2020

When you apply to open a credit card, the card issuer will tell you how much you’re allowed to charge on the account at any given time upon being approved for the card. This maximum spending cap is known as your credit limit. But when you apply for that card, have you ever wondered what exactly the issuing bank does to determine your credit limit? First things first, having a higher credit limit may be helpful for several reasons. First, it gives you more buying power or... read more »

3 Tips: Credit Card Limit Increases Without Asking (Jan. 2025)

By: Marcie Geffner, 1/2/2025

Lots of good things are free just for asking, and some good things may be free even without asking. One such example is an increase in your credit limit for one or more of your credit cards. The advantage of getting a credit limit increase (CLI) without asking is that if you request a CLI, the issuer likely will use a hard pull to review your credit scores. A hard pull can knock a few points off your score. If you're given an automatic CLI, or auto-CLI, there's a better chance your... read more »

12 Best Credit Cards with No Spending Limit (Jan. 2025)

By: Brittney Mayer, 1/2/2025

Although the average American has credit card limits in the $20,000 range, single card limits tend to be lower, and that figure drops exponentially for consumers with low credit scores. The average subprime credit card offers a limit of around $500. Many personal credit card users can likely get by with a modest limit, but low spending limits may start to get in the way when it comes to large purchases like replacing your appliances or paying for a family vacation. Similarly, a... read more »

16 High Limit Credit Cards for Excellent Credit (2024)

By: Brittney Mayer, 1/24/2024

Ah, the view from the top is lovely indeed. Excellent credit is an achievement that signals you have built a long and healthy credit history. As your reward, you get more lending options, lower interest rates, and, yes, higher credit limits. Indeed, it's fair to say that there are more high-limit credit cards for excellent credit than there are for all the other credit types combined. That's because a high credit score not only provides you with access to more high-limit cards, but it... read more »

When To Request a Higher Credit Card Limit (2024)

By: Marcie Geffner, 8/2/2024

There are plenty of reasons to request a higher limit for one or more of your credit cards. With a higher limit, you might be able to: • Charge bigger purchases • Be better prepared for financial emergencies • Earn more card rewards • Boost your credit scores • Get lower rates/fees for a new mortgage or car loan Sure, those are all great perks of being able to access more credit but how do you know when to request a higher credit limit? Asking for a higher limit is easy,... read more »

11 Highest-Limit Cards for Bad Credit (2024)

By: Brittney Mayer, 11/6/2024

The internet is full of information. While only a portion of that information is actually correct, you can typically get a decent idea of the facts by exploring a few different sites and picking out the kernels of truth between them. Take credit building. Although each blogger and expert seems to have different recommendations, you can pick up the main points by reading posts from a few different authors. For example, pretty much everyone will say to pay your bills on time and to... read more »

• About Us »	• Editorial Policy »
• In the Press »	• Media Assets »

All articles tagged Credit Limit (37)