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Best high-limit credit cards

Good for financing big-ticket items and earning elite rewards. Just make sure you stay within your budget.

Big spenders may be interested in a special class of credit cards that offer higher credit limits and, often, superior rewards. When used responsibly, these cards can boost your credit score -- though you'll need a pretty solid score to get approved in the first place; interested applicants should have good to excellent credit and an overall strong financial standing

It's important to note that high-limit credit cards -- like all credit cards -- must be used responsibly in order to pay them off. Paying off your full balance every month is the key to success -- but with these cards that's especially important. Failing to pay your balance off each month, especially with a large credit line, can lead to huge interest fees and financial devastation.

Read more: Best balance transfer and 0% APR credit cards

With that in mind, here are our picks for the best credit cards with higher limits.

Best overall high-limit card

Card Highlights
Intro BonusEarn 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®
APR16.99%-23.99% Variable
Recommended Credit Excellent Credit
Reward Rates
  • Earn 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
  • Earn 5X total points on air travel through Chase Ultimate Rewards®
  • Earn 3X points on other travel and dining.
  • 1 point per $1 spent on all other purchases
Annual Fee$550
Intro Purchase APRN/A
Additional Details
Balance Transfer Fee Either $5 or 5% of the amount of each balance transfer, whichever is greater
Balance Transfer APR16.99%-23.99% Variable
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 air travel through Chase Ultimate Rewards®
  • Earn 3X points on other travel and dining.
  • 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 flyer, the points you accrue can be redeemed for merchandise, entertainment and dining. 

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

Best intro APR high-limit card

Card Highlights
Intro BonusNew Offer! $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening
APR12.99% - 22.99% Variable APR on purchases and balance transfers
Recommended Credit Excellent/Good
Reward RatesN/A
Annual Fee$0
Intro Purchase APR0% Intro APR for 18 billing cycles for purchases
Additional Details
Intro Balance Transfer APR0% Intro APR for 18 billing cycles for any BTs made in the first 60 days. A 3% fee (min. $10) applies.
Balance Transfer Fee Either $10 or 3% of the amount of each transaction, whichever is greater.
Balance Transfer APR12.99% - 22.99% Variable APR on purchases and balance transfers
Late Payment Fee Up to $40
Foreign Transaction Fees 3%
Penalty APR none

Our Take

The BankAmericard credit card* is a high-limit, no-frills card. Instead of travel perks or bonuses, the card focuses on low fees. The introductory APR is ideal if you have a large, upcoming purchase you'd prefer to pay off over time. You'll have 18 billing cycles to carry the balance while you pay it down (0% intro APR for 18 billing cycles on purchases and balance transfers, 12.99% to 22.99% variable APR thereafter). After the introductory APR is over, the card's fees are competitively low. There is no annual fee, and Bank of America does not charge a penalty APR if you miss a payment. 

Best high-limit card for rewards

See Rates and Fees Terms Apply
Card Highlights
Intro BonusEarn 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership, up to $200 back. Plus, earn $150 back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive cash back in the form of statement credits.
APR13.99%-23.99% Variable
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 introductory annual fee for the first year, then $95.
Intro Purchase APR0% on purchases for 12 months
Additional Details
Balance Transfer Fee N/A
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 gasoline, grocery shopping or home entertainment. 

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 to find out what types of personalized American Express offers you may be prequalified for. The preapproval doesn't affect your credit score and will give you a good idea of how much your credit line would be or if you qualify for a higher welcome bonus, or other offer.

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.

Best high-limit card for travel

Card Highlights
Intro BonusEnjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
APR15.99% - 23.99% (Variable)
Recommended Credit Excellent, Good
Reward Rates
  • Earn unlimited 2X miles on every purchase, every day.
Annual Fee$95
Intro Purchase APRN/A
Additional Details
Intro Balance Transfer APRN/A
Balance Transfer Fee $0 at this Transfer APR
Balance Transfer APR15.99% - 23.99% (Variable)
Late Payment Fee Up to $40
Foreign Transaction Fees None
Penalty APR None
Rewards & Redemption Details
  • Earn unlimited 2X miles on every purchase, every day.

Our Take

The Capital One Venture Rewards Credit Card* is a straightforward, easy-to-use card that lets you earn 2X miles for each dollar you spend. There's no higher bonus categories to keep track of and you can earn 60,000 miles when you spend $3,000 in the first 3 months. You also can earn up to a $100 statement credit for TSA Precheck or Global Entry and you can also score travel accident insurance and auto rental collision insurance (Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details).

This card's limit starts at $5,000 and has been known to go up to $50,000, depending on your credit profile. Capital One notes that you'll need good to excellent credit in order to qualify for this card.

Best high-limit card for balance transfers

See Rates and Fees
Card Highlights
Intro BonusN/A
APR16.49%-24.49% (Variable)
Recommended Credit Excellent/Good
Reward RatesN/A
Annual Fee$0
Intro Purchase APR0% intro APR for 18 months from account opening
Additional Details
Intro Balance Transfer APR0% intro APR for 18 months on qualifying balance transfers
Balance Transfer Fee up to 5%; min: $5
Balance Transfer APR16.49%-24.49% (Variable)
Foreign Transaction Fees 3%
Penalty APR None

Our Take

The Wells Fargo Platinum card* has one of the most favorable balance transfer rates of all high-limit cards. Initial qualifying balance transfers (made in the first 120 days of account opening) have an introductory period with no interest for the first 18 months (16.49% to 24.49% variable APR thereafter). If you're approved for a higher limit, the card's balance transfer feature is a great way to consolidate and pay off other credit card debt without incurring interest charges.

Other features include tools that help you manage your spending and cell phone protection (up to $600; subject to a $25 deductible) against covered theft or damage when you pay your mobile phone bill with the card. The Wells Fargo Platinum card doesn't have the perks that other premium, high-limit credit cards offer, but you could save hundreds of dollars in annual fees.

Best high-limit card for rebuilding credit

Card Highlights
Intro BonusN/A
APR12.99% - 26.99% (Variable)
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
Intro Purchase APRN/A
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* is the best high-limit credit card for individuals with average or fair credit. The card comes with a variable interest rate and limit that's based on your credit score. If you have no credit or a less-than-perfect credit history, you may be approved for a lower credit limit. The good news is, 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 responsible use and on-time payments.

Card Highlights
Intro BonusWelcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
APR14.24% - 22.24% Variable
Recommended Credit Good, Excellent
Reward Rates
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
Annual Fee$595
Intro Purchase APRN/A
Additional Details
Late Payment Fee $39 or 2.99% of any past due Pay in Full amount, whichever is greater.
Foreign Transaction Fees N/A
Penalty APR 29.24% Variable
Rewards & Redemption Details
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.

Our Take

The Business Platinum Card from American Express may be the most feature-packed of all the cards reviewed. 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 limit. However, the card isn't technically a credit card -- unlike a typical credit card, the card allows you to carry a balance for certain charges, but not all. 

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 which lets 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.

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.

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. An Experian study found that the average limit on a business credit card was more than double that of a personal card ($56,100 vs. $26,900).

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 responsible spending and on-time payments, reach out to your card provider and ask for a credit increase.

Why would I want a high limit?

A higher credit limit is beneficial to your credit score. Your credit score is partially based on the ratio between your card balances vs. your available credit. If you're approved for a credit card with a high limit, it will reduce your credit utilization ratio and improve your credit standing. 

For example, if you currently owe $6,000 on your credit cards and have a credit limit of $20,000 total, your credit utilization is 30%. If you're approved for a credit card with a $10,000 limit, your overall credit available changes to $30,000 and your credit utilization drops to 20%. The drop in credit utilization will likely improve your credit score -- and increase your chance of getting approved for a high-limit credit card.

Cards researched

  • Chase Sapphire Reserve®
  • BankAmericard® credit card
  • Blue Cash Preferred® Card from American Express
  • United Club℠ Infinite Card
  • Capital One Venture Rewards Credit Card
  • Wells Fargo Platinum card
  • Petal® 2 "Cash Back, No Fees" Visa® Credit Card
  • American Express Black 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

*All information about the BankAmericard credit card, Capital One Venture Rewards Credit Card, Petal 2 Visa Credit Card, and the Wells Fargo Platinum card has been collected independently by CNET and has not been reviewed by the issuer.

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.