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Best High-Limit Credit Cards for December 2022

High-limit credit cards give you a bigger credit line, which can help boost your credit score.

If you need to finance a large purchase or want to boost your credit score, a high-limit credit card may be the best option for you. These credit cards offer higher credit lines than their competitors, often with credit lines of $5,000 to $10,000 and more. While these cards can help you accomplish your financial goals with more flexibility, they also open up the door to accruing more interest charges and getting into credit card debt, so it's important to employ discipline with these cards.

Remember, most credit card issuers allow you to request a credit limit increase every six months or so. You'll just have to demonstrate responsible credit usage in the meantime by paying your bills on time and in full. Below are the best options for big credit lines from the start, designed for different credit scores and spending goals.

Read more: Best Balance Transfer Credit Cards

Best high-limit credit card with no annual fee

8.5/10 CNET Rating
Card Highlights
Intro OfferN/A
APR14.75% - 27.00% Variable
Intro Purchase APRN/A
Recommended Credit Excellent/Good Credit
Reward Rates
  • 2X points on every purchase regardless of category
  • 3X points for the entire year if you spend $15,000
  • 4X, 5X and even 10X points for every friend who gets a card
  • Up to 10X points at leading online stores such as Apple, Nike and Sephora when you shop in the X1 App
Annual FeeNone
Additional Details
Balance Transfer APR14.75% - 27.00% Variable
Balance Transfer Fee 2% of the amount of each transfer.
Penalty APR NONE
Rewards & Redemption Details
  • 2X points on every purchase regardless of category
  • 3X points for the entire year if you spend $15,000
  • 4X, 5X and even 10X points for every friend who gets a card
  • Up to 10X points at leading online stores such as Apple, Nike and Sephora when you shop in the X1 App

Our Take

X1 claims that it offers up to 5 times the credit limit of an average credit card, depending on your individual application. In practice, CNET editors have found this claim to be true, receiving unexpectedly high credit limits. 

You don't need to pay an exorbitant annual fee or have the perfect credit history to get approved for this card either, as the company also claims to weigh your income much more heavily than your credit score when determining your credit limit. Besides the high credit limit, the X1 card also offers innovative virtual credit card capabilities and a unique referral program. 

For more details, see our full review of the X1 Card.

Best travel credit card with a big credit line

8/10 CNET Rating
Card Highlights
Intro OfferEarn 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®
APR20.74% - 27.74% Variable
Intro Purchase APRN/A
Recommended Credit Excellent
Reward Rates
  • Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
  • Earn 5x total points on flights through Chase Ultimate Rewards®.
  • Earn 3x points on other travel and dining.
  • Earn 1 point per $1 spent on all other purchases
Annual Fee$550
Additional Details
Balance Transfer APR20.74% - 27.74% Variable
Balance Transfer Fee Either $5 or 5% of the amount of each balance transfer, whichever is greater
Foreign Transaction Fees $0
Penalty APR Up to 29.99%
Rewards & Redemption Details
  • Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
  • Earn 5x total points on flights through Chase Ultimate Rewards®.
  • Earn 3x points on other travel and dining.
  • Earn 1 point per $1 spent on all other purchases

Our Take

With a credit limit starting at $10,000, the Chase Sapphire Reserve is best known as a travel rewards credit card, allowing you to earn points quickly that can be redeemed for travel. But even if you're not a frequent flier, the points you accrue can be redeemed for merchandise, entertainment and dining. 

As with some other high-limit credit cards, you'll need excellent credit to qualify for this -- and be willing to spend $550 on the annual fee. But the available bonuses can offset that fee. A few nice features of this Chase credit card include an annual $300 statement credit to reimburse travel purchases and Priority Pass access at over 1,300 airport lounges worldwide.

See more details in our full review of the Chase Sapphire Reserve.

Best high-limit card for fair credit

9.5/10 CNET Rating
Card Highlights
Intro OfferN/A
APR15.99% - 29.99% (Variable)
Intro Purchase APRN/A
Recommended Credit Limited/Fair/Good/Excellent
Reward Rates
  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away.
Annual Fee$0
Additional Details
Foreign Transaction Fees $0
Rewards & Redemption Details
  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away.

Our Take

The Petal 2 Visa Credit Card, issued by WebBank, is the best high-limit credit card for individuals with average, fair, or limited credit -- typically a credit score between 580 and 669. The card comes with a variable interest rate and a credit limit that's based on your creditworthiness, but it can be up to $10,000. When it comes to credit cards for fair credit, that's one of the higher upper limits. If you have no credit or a less-than-perfect credit history, you may be approved for a lower credit limit. 

Petal cards are designed to help you improve your credit and can grow with you as you rebuild. Even if you start with a lower limit, you may be able to get a credit increase with careful use and on-time payments.

Best rewards with a high credit line

8/10 CNET Rating
See Rates and Fees Terms Apply
Card Highlights
Intro OfferEarn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
APR17.74%-28.74% Variable
Intro Purchase APR0% on purchases for 12 months
Recommended Credit Excellent, Good
Reward Rates
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • 6% Cash Back on select U.S. streaming subscriptions
  • 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
  • 3% Cash Back at U.S. gas stations
  • 1% Cash Back on other purchases
Annual Fee$0 intro annual fee for the first year, then $95.
Additional Details
Intro Balance Transfer APR0% on balance transfers for 12 months
Balance Transfer APR17.74%-28.74% Variable
Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater.
Late Payment Fee Up to $40
Foreign Transaction Fees 2.7% of each transaction after conversion to US dollars.
Penalty APR 29.99% Variable
Rewards & Redemption Details
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • 6% Cash Back on select U.S. streaming subscriptions
  • 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
  • 3% Cash Back at U.S. gas stations
  • 1% Cash Back on other purchases

Our Take

Being strategic about high spending using the right credit card could earn you free travel or significant cash back. The Blue Cash Preferred Card from American Express lets you earn rewards on everyday purchases, such as U.S. gas stations, U.S. supermarkets, and select U.S. streaming subscriptions. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Though credit limits aren't advertised, they typically can range from $1,000 to $30,000, according to some cardholders. You can fill out a form online at americanexpress.com to find out what types of American Express offers you may be prequalified for. The preapproval doesn't affect your credit score and could give you a good idea of how much your credit line would be.

For more details, see our full review of the Blue Cash Preferred Card.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

For businesses with big budgets

7/10 CNET Rating
See Rates and Fees Terms Apply
Card Highlights
Intro OfferWelcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
APR17.99% - 25.99% Variable
Intro Purchase APRN/A
Recommended Credit Good, Excellent
Reward Rates
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
  • Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
  • 1X points for each dollar you spend on eligible purchases.
Annual Fee$695
Additional Details
Late Payment Fee $39 or 2.99% of any past due Pay in Full amount, whichever is greater.
Foreign Transaction Fees None
Penalty APR 29.99% Variable
Rewards & Redemption Details
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
  • Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
  • 1X points for each dollar you spend on eligible purchases.

Our Take

If you're approved for a Business Platinum Card from American Express, you can probably spend as much as you need without worrying about going over the credit limit. Unlike a typical credit card, it only allows you to carry a balance for certain charges.

To evolve with market changes, American Express has added business-friendly features that help cardholders better manage cash flow, such as the Pay Over Time and Pay It Plan It features that let cardholders decide if they want to create "buy now, pay later" payment plans with a fixed fee, carry a balance with interest or pay in full. Otherwise, your payments will be due in full each month.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

How does a bigger credit line help boost my credit score?

High-limit credit cards can help you build your credit score by reducing your overall credit utilization ratio, or the percentage of your aggregate credit lines that you're actively using at any given time. For the best effects to your credit score, you want to keep your credit utilization ratio under 30%.

For example, let's say you're considering two credit cards: Card A and Card B. Card A will give you a $3,000 credit limit, while the high-limit Card B will give you a $10,000 credit limit. If you unexpectedly have to put a $1,200 charge on your card, Card B would be more forgiving to your credit score.

A $1,200 charge on Card A would make your credit utilization ratio 40% -- above the ideal 30% or less usage. Meanwhile, a $1,200 charge on Card B would represent only 12% of your total credit limit, making it a safer bet to keep your credit score robust as you navigate any short-term volatility in your budget.

FAQs

How is my credit limit determined?

Card issuers consider many factors, but two of the most important are your income and the information in your credit report -- including how many open lines of credit you have, your payment history and your credit utilization, which measures how much debt you carry versus how much credit is available to you.

Most financial experts recommend keeping your credit utilization under 30%. That means you should not carry a balance over $3,000 if you have a credit limit of $10,000. The lower your credit utilization, the more likely you'll have a higher credit score -- and a better chance to receive a high limit on new cards.

Can I apply for a business credit card to get a higher limit?

Business credit cards often feature a higher credit limit than standard individual accounts. That noted, you don't have to own a multinational corporation to apply for a business credit card. Freelancers, gig workers, small startups and home business owners are eligible. Most issuers will look at the applicant's personal credit instead of the company's.

How can I get approved for a higher-limit card?

Getting approved for a higher-limit card takes some preparation. First, you'll want to pay down your other card balances before you apply to improve your credit utilization and overall credit score. 

Be sure to research which credit cards offer the highest limits for your credit profile. If you have a good credit score of 700 or higher, chances are you'll receive a high credit limit regardless of the card you apply for. If you're working on rebuilding your credit, it may be harder to qualify for a premium card with a high limit. Fortunately, there are high-limit cards for individuals with fair credit.

If you don't receive the limit you were hoping for, you might be able to get the card issuer to reconsider down the road. Once you establish a positive track record of calculated spending and on-time payments, reach out to your card provider and ask for a credit increase.

More of the best credit cards

Our methodology

CNET reviews credit cards by exhaustively comparing them across set criteria developed for each major category, including cash back, welcome bonus, travel rewards and balance transfer. We take into consideration the typical spending behavior of a range of consumer profiles -- with the understanding that everyone's financial situation is different -- and the designated function of a card. 

For rates and fees of the Blue Cash Preferred Card from American Express, click here.

For rates and fees of The Business Platinum Card from American Express, click here.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.