The Best High Limit Credit Cards of 2021

The Best High Limit Credit Cards of 2021

The Chase Sapphire Reserve® is our top pick for high limit credit. In addition to starting you off with a large limit, the card awards generous benefits, such as a $300 travel credit and Priority Pass lounge access.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Not every credit card is created equal, and that's true whether we're talking about rewards and perks or the amount of credit made available to you. Fortunately, there are plenty of high limit credit cards that stand out due to their reputation for offering high credit limits as well as their welcome bonuses, ongoing rewards and cardholder benefits.

Best high limit credit cards 2021

Best overall

Chase Sapphire Reserve®

  • On Chase's Secure Website

Runner-up

Chase Sapphire Preferred® Card

  • On Chase's Secure Website

0% intro APR

Chase Freedom Flex℠

  • On Chase's Secure Website

If you want access to a generous credit limit, the best high limit credit cards offer the most bang for your buck. Read on to learn about the top high limit credit cards, what they offer and how they stack up.

Methodology

To make choosing the right card easier, we've looked at credit cards reviewed on ValuePenguin as well as cards on major issuer sites to compile a list of the best rewards credit cards available right now. Our recommendations are based on the additional value you can earn with the cards — including the rewards value, cost of ownership and value of benefits such as travel and purchase protections, lounge membership and airline companion passes. Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.

{"backgroundColor":"butter","content":"\n\u003Cstrong\u003EMethodology\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003ETo make choosing the right card easier, we've looked at credit cards reviewed on ValuePenguin as well as cards on major issuer sites to compile a list of the best rewards credit cards available right now. Our recommendations are based on the additional value you can earn with the cards \u2014 including the rewards value, cost of ownership and value of benefits such as travel and purchase protections, lounge membership and airline companion passes. Our choices are not influenced by our advertisers. Learn more on how we \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"calculate rewards\" href=\"https:\/\/www.valuepenguin.com\/credit-card-methodology\"\u003Ecalculate rewards\u003C\/a\u003E\u003C\/span\u003E.\n","padding":"double"}

Best overall high limit credit card

Chase Sapphire Reserve®

  • On Chase's Secure Website

$550

16.99%-23.99% Variable

Excellent

  • Earn 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®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself BackSM, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Our thoughts

The Chase Sapphire Reserve® is the top choice for travelers who need a high credit limit, as well as those who want to earn generous rewards on travel and dining. Cardholders can earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases Another benefit for frequent travelers is the fact points earned with the Chase Sapphire Reserve® can be transferred on a 1:1 basis to several hotel and airline loyalty programs like Southwest Rapid Rewards, United's MileagePlus, Marriott Bonvoy Rewards and the World of Hyatt. Points earned with this card are also worth 1.5 cents each when redeeming for travel through the Chase portal. Also note that Chase Ultimate Rewards® points can always be redeemed for statement credits, cash back, gift cards or merchandise.

The Chase Sapphire Reserve® is also a Visa Infinite product, which means you can't qualify for the card unless you're approved to receive the minimum credit line. For this card, it's been reported to be $10,000. Cardholders pay a hefty $550 annual fee, but for people who use the $300 annual travel credit, that fee is effectively only $250 per year. Other major benefits you will receive include a Priority Pass™ Select airport lounge membership (retail value of $429), a fee credit for Global Entry or TSA Precheck® membership and various travel insurance benefits.

  • Minimum credit limit of $10,000+
  • Generous sign-up bonus and ongoing rewards potential
  • Exceptional travel benefits including a $300 annual travel credit, option to transfer points to partners, airport lounge membership and fee credit for Global Entry or TSA Precheck
  • Comes with insurance protections like primary auto rental coverage, trip cancellation and interruption insurance, lost luggage reimbursement, emergency evacuation and transportation coverage and more
  • $0 foreign transaction fees
  • $550 annual fee required
  • High APR for purchases (16.99%-23.99% Variable)
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The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Best overall\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4335.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/1129?url=_best-high-limit-credit-cards\",\"name\":\"Chase Sapphire Reserve\\u00ae\",\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Sign Up Bonus\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Sapphire Reserve\u00ae: Is It Worth Applying For?\" href=\"https:\/\/www.valuepenguin.com\/chase-sapphire-reserve-credit-card\"\u003EChase Sapphire Reserve\u00ae\u003C\/a\u003E\u003C\/span\u003E is the top choice for travelers who need a high credit limit, as well as those who want to earn generous rewards on travel and dining. Cardholders can earn \u003Cstrong\u003E5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards\u00ae immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases\u003C\/strong\u003E Another benefit for frequent travelers is the fact points earned with the Chase Sapphire Reserve\u00ae can be transferred on a 1:1 basis to several hotel and airline loyalty programs like \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Southwest Rapid Rewards: 2021 Program Overview\" href=\"https:\/\/www.valuepenguin.com\/travel\/southwest-rapid-rewards\"\u003ESouthwest Rapid Rewards\u003C\/a\u003E\u003C\/span\u003E, \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"United MileagePlus: Getting the Most Value on Award Flights\" href=\"https:\/\/www.valuepenguin.com\/travel\/united-mileageplus\"\u003EUnited's MileagePlus\u003C\/a\u003E\u003C\/span\u003E, \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Marriott Bonvoy Rewards Program: Everything You Need to Know\" href=\"https:\/\/www.valuepenguin.com\/travel\/marriott-bonvoy-rewards-program\"\u003EMarriott Bonvoy Rewards\u003C\/a\u003E\u003C\/span\u003E and \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The World of Hyatt Credit Card Review: Is It Worth Applying For?\" href=\"https:\/\/www.valuepenguin.com\/travel\/world-of-hyatt-credit-card-review\"\u003Ethe World of Hyatt\u003C\/a\u003E\u003C\/span\u003E. Points earned with this card are also worth 1.5 cents each when redeeming for travel through the Chase portal. Also note that \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Ultimate Rewards: We Break Down How They Work\" href=\"https:\/\/www.valuepenguin.com\/chase-ultimate-rewards\"\u003EChase Ultimate Rewards\u00ae points\u003C\/a\u003E\u003C\/span\u003E can always be redeemed for statement credits, cash back, gift cards or merchandise.\u003C\/p\u003E\n\n\u003Cp\u003EThe Chase Sapphire Reserve\u00ae is also a \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Visa Infinite: What Is It? How Is It Different From Other Credit Cards?\" href=\"https:\/\/www.valuepenguin.com\/visa-infinite-credit-cards\"\u003EVisa Infinite\u003C\/a\u003E\u003C\/span\u003E product, which means you can't qualify for the card unless you're approved to receive the minimum credit line. For this card, it's been reported to be $10,000. Cardholders pay a hefty $550 annual fee, but for people who use the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"How does the Chase Sapphire Reserve\u00ae travel credit work?\" href=\"https:\/\/www.valuepenguin.com\/travel\/chase-sapphire-reserve-travel-credit\"\u003E$300 annual travel credit\u003C\/a\u003E\u003C\/span\u003E, that fee is effectively only $250 per year. Other major benefits you will receive include a \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"How to Get Free or Discounted Priority Pass with a Credit Card\" href=\"https:\/\/www.valuepenguin.com\/travel\/how-to-get-priority-pass-for-free\"\u003EPriority Pass\u2122 Select\u003C\/a\u003E\u003C\/span\u003E airport lounge membership (retail value of $429), a fee credit for \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Credit Cards for Free Global Entry and TSA Precheck\" href=\"https:\/\/www.valuepenguin.com\/travel\/best-credit-cards-for-free-global-entry\"\u003EGlobal Entry or TSA Precheck\u00ae\u003C\/a\u003E\u003C\/span\u003E membership and various \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Credit Card Travel Insurance for Chase, Amex and Capital One\" href=\"https:\/\/www.valuepenguin.com\/travel\/credit-card-travel-insurance-who-and-whats-covered\"\u003Etravel insurance\u003C\/a\u003E\u003C\/span\u003E benefits.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Minimum credit limit of $10,000+\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Generous sign-up bonus and ongoing rewards potential\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Exceptional travel benefits including a $300 annual travel credit, option to transfer points to partners, airport lounge membership and fee credit for Global Entry or TSA Precheck\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Comes with insurance protections like primary auto rental coverage, trip cancellation and interruption insurance, lost luggage reimbursement, emergency evacuation and transportation coverage and more\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 foreign transaction fees\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $550 annual fee required\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n High APR for purchases (16.99%-23.99% Variable)\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Runner-up for best high limit credit card

Chase Sapphire Preferred® Card

  • On Chase's Secure Website

$95

15.99% - 22.99% Variable

Excellent

  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.

Our thoughts

The Chase Sapphire Preferred® Card offers fewer benefits than the Reserve, yet you have the potential for a high credit limit and all the benefits that come with the Chase Ultimate Rewards® program. As a Visa Signature card, approved applicants are able to get a minimum credit limit of $5,000 when they apply, although credit limits typically go much higher.

Consumers who choose this card will only pay $95 per year, yet they can earn the generous sign-up bonus as well as 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases. Points transfer to Chase Ultimate Rewards® airline and hotel partners on a 1:1 basis, and you can also redeem them for travel through the Chase portal at a rate of 1.25 cents each.

  • Earn a generous sign-up bonus and ongoing rewards
  • Points are worth 1.25 cents each through the Chase portal
  • Can transfer points 1:1 to Chase airline and hotel partners
  • Annual fee is only $95 per year
  • Comes with travel insurance benefits such as trip cancellation and interruption insurance, primary auto rental coverage and trip delay reimbursement
  • No travel credits or perks to speak of
  • High APR for purchases (15.99% - 22.99% Variable)
  • May come with lower credit limit than the Chase Sapphire Reserve®
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No fitness equipment is required.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$95\",\"apr\":\"15.99% - 22.99% Variable\",\"bannerDisclaimers\":[\"On Chase's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EOur best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards\\u00ae.\\u003C\\\/li\\u003E\\u003Cli\\u003EEnjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards\\u00ae, 3X points on dining and 2X points on all other travel purchases, plus more.\\u003C\\\/li\\u003E\\u003Cli\\u003EGet 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards\\u00ae. For example, 100,000 points are worth $1,250 toward travel.\\u003C\\\/li\\u003E\\u003Cli\\u003EWith Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.\\u003C\\\/li\\u003E\\u003Cli\\u003EGet unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12\\\/31\\\/21.\\u003C\\\/li\\u003E\\u003Cli\\u003ECount on Trip Cancellation\\\/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.\\u003C\\\/li\\u003E\\u003Cli\\u003EGet up to $60 back on an eligible Peloton Digital or All-Access Membership through 12\\\/31\\\/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":80,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Runner-up\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4709.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/92?url=_best-high-limit-credit-cards\",\"name\":\"Chase Sapphire Preferred\\u00ae Card\",\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Sign Up Bonus\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards\u00ae.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Sapphire Preferred\u00ae Card Review: Does It Live Up to The Hype?\" href=\"https:\/\/www.valuepenguin.com\/chase-sapphire-preferred\"\u003EChase Sapphire Preferred\u00ae Card\u003C\/a\u003E\u003C\/span\u003E offers fewer benefits than the Reserve, yet you have the potential for a high credit limit and all the benefits that come with the Chase Ultimate Rewards\u00ae program. As a Visa Signature card, approved applicants are able to get a minimum credit limit of $5,000 when they apply, although credit limits typically go much higher.\u003C\/p\u003E\n\n\u003Cp\u003EConsumers who choose this card will only pay $95 per year, yet they can earn the generous sign-up bonus as well as \u003Cstrong\u003E5X points on travel purchased through Chase Ultimate Rewards\u00ae, 3X points on dining and 2X points on all other travel purchases\u003C\/strong\u003E. Points transfer to \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Ultimate Reward Transfer Partners: Where Can You Move Your Points?\" href=\"https:\/\/www.valuepenguin.com\/chase-ultimate-rewards-transfer-partners\"\u003EChase Ultimate Rewards\u00ae airline and hotel partners\u003C\/a\u003E\u003C\/span\u003E on a 1:1 basis, and you can also redeem them for travel through the Chase portal at a rate of 1.25 cents each.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn a generous sign-up bonus and ongoing rewards\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Points are worth 1.25 cents each through the Chase portal\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Can transfer points 1:1 to Chase airline and hotel partners\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Annual fee is only $95 per year\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Comes with travel insurance benefits such as trip cancellation and interruption insurance, primary auto rental coverage and trip delay reimbursement\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No travel credits or perks to speak of\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n High APR for purchases (15.99% - 22.99% Variable)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n May come with lower credit limit than the Chase Sapphire Reserve\u00ae\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best high limit business credit card

Chase Ink Business Preferred℠ Credit Card

  • On Chase's Secure Website

$95

15.99%-20.99% Variable

Excellent

  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
  • $95 Annual Fee

Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.

Our thoughts

The Chase Ink Business Preferred℠ Credit Card comes with a minimum credit limit of at least $5,000, but it could come in at $25,000 or higher depending on your business income and other factors. This card is also ideal for business owners who want to earn flexible rewards points or points for travel. Not only can cardholders earn a very generous sign-up bonus, but they will Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.

Rewards earned with this card fall within the Chase Ultimate Rewards® program, and they can be redeemed for travel through the Chase portal at a rate of 1.25 cents per point or transferred to airline and hotel partners on a 1:1 basis. A $95 annual fee applies, and cardholders get benefits like cell phone insurance, purchase protection, extended warranties and select travel insurance products.

  • Generous sign-up bonus and ongoing rewards
  • Points can be used for transfers to airline and hotel partners or booking travel through Chase at a rate of 1.25 cents per point
  • Travel insurance protections include auto rental coverage, trip cancellation and interruption insurance and roadside dispatch
  • $0 foreign transaction fees
  • Annual fee applies
  • No major travel benefits
  • High APR for purchases (15.99%-20.99% Variable)
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color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Chase's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--fields-bottom\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$95\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E15.99%-20.99% Variable\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\" color=\"yellow\" name=\"star-half\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":70,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. 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Earn 1 point per $1 on all other purchases\u003C\/li\u003E\u003Cli\u003EWith Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring\u003C\/li\u003E\u003Cli\u003EWith Zero Liability you won't be held responsible for unauthorized charges made with your card or account information\u003C\/li\u003E\u003Cli\u003ERedeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open\u003C\/li\u003E\u003Cli\u003EPoints are worth 25% more when you redeem for travel through Chase Ultimate Rewards\u00ae\u003C\/li\u003E\u003Cli\u003EPurchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account\u003C\/li\u003E\u003Cli\u003E$95 Annual Fee\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$95\",\"apr\":\"15.99%-20.99% Variable\",\"bannerDisclaimers\":[\"On Chase's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards\\u00ae\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases\\u003C\\\/li\\u003E\\u003Cli\\u003EWith Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring\\u003C\\\/li\\u003E\\u003Cli\\u003EWith Zero Liability you won't be held responsible for unauthorized charges made with your card or account information\\u003C\\\/li\\u003E\\u003Cli\\u003ERedeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open\\u003C\\\/li\\u003E\\u003Cli\\u003EPoints are worth 25% more when you redeem for travel through Chase Ultimate Rewards\\u00ae\\u003C\\\/li\\u003E\\u003Cli\\u003EPurchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account\\u003C\\\/li\\u003E\\u003Cli\\u003E$95 Annual Fee\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\\\" color=\\\"yellow\\\" name=\\\"star-half\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":70,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Business\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4694.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/1112?url=_best-high-limit-credit-cards\",\"name\":\"Ink Business Preferred\\u2120 Credit Card\",\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Sign Up Bonus\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Ink Business Preferred Credit Card Review: Is It the Best Business Credit Card?\" href=\"https:\/\/www.valuepenguin.com\/chase-ink-preferred-business-card\"\u003EChase Ink Business Preferred℠ Credit Card\u003C\/a\u003E\u003C\/span\u003E comes with a minimum credit limit of at least $5,000, but it could come in at $25,000 or higher depending on your business income and other factors. This card is also ideal for business owners who want to earn flexible rewards points or points for travel. Not only can cardholders earn a very generous sign-up bonus, but they will \u003Cstrong\u003EEarn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases\u2014with no limit to the amount you can earn.\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003ERewards earned with this card fall within the Chase Ultimate Rewards\u00ae program, and they can be redeemed for travel through the Chase portal at a rate of 1.25 cents per point or transferred to airline and hotel partners on a 1:1 basis. A $95 annual fee applies, and cardholders get benefits like cell phone insurance, purchase protection, extended warranties and select travel insurance products.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Generous sign-up bonus and ongoing rewards\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Points can be used for transfers to airline and hotel partners or booking travel through Chase at a rate of 1.25 cents per point\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Travel insurance protections include auto rental coverage, trip cancellation and interruption insurance and roadside dispatch\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 foreign transaction fees\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Annual fee applies\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No major travel benefits\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n High APR for purchases (15.99%-20.99% Variable)\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best secured credit card with a high limit

Secured Mastercard® from Capital One

Our thoughts

The Secured Mastercard® from Capital One is our top choice for people with bad credit who are looking for a high credit limit. While most secured cards offer credit limits that match the card's required security deposit, the Secured Mastercard® from Capital One can potentially offer an oversized limit. For instance, a $49 refundable security deposit could get you a $200 initial credit line.

Note that you’ll need to have access to an authorized bank account in order to make the deposit. However, there's no other available card that will give you more for less. Even better, this card is easy to qualify for since it's meant for people with Limited/Bad credit.

Another great attribute of the Secured Mastercard® from Capital One is that you'll get access to a higher credit line in as little as six months, provided you make on-time payments. A higher credit limit will likely reduce your credit utilization ratio, which could help you increase your credit score. So, through appropriate use of this card, you can increase both your credit score and your card's limit.

  • $0 annual fee
  • Potential for minimum credit limit of $200 with a starting security deposit of just $49
  • Automatic credit line reviews in as little as six months with responsible use
  • Available for consumers with Limited/Bad credit
  • Foreign transaction fees: None
  • This is a secured credit card, so a cash deposit is required as collateral
  • High APR for purchases (26.99% (Variable))
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"Secured\"\u003ESecured Mastercard\u00ae from Capital One\u003C\/h3\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Capital One Secured Mastercard\" href=\"https:\/\/www.valuepenguin.com\/capital-one-secured-mastercard\"\u003ESecured Mastercard\u00ae from Capital One\u003C\/a\u003E\u003C\/span\u003E is our top choice for people with bad credit who are looking for a high credit limit. While most secured cards offer credit limits that match the card's required security deposit, the Secured Mastercard\u00ae from Capital One can potentially offer an oversized limit. \u003Cstrong\u003EFor instance, a $49 refundable security deposit could get you a $200 initial credit line\u003C\/strong\u003E.\u003C\/p\u003E\n\n\u003Cp\u003ENote that you\u2019ll need to have access to an authorized bank account in order to make the deposit. However, there's no other available card that will give you more for less. Even better, this card is easy to qualify for since it's meant for people with Limited\/Bad credit.\u003C\/p\u003E\n\n\u003Cp\u003EAnother great attribute of the Secured Mastercard\u00ae from Capital One is that you'll get access to a higher credit line in as little as six months, provided you make on-time payments. A higher credit limit will likely reduce your credit utilization ratio, which could help you increase your credit score. So, through appropriate use of this card, you can increase both your credit score and your card's limit.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 annual fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Potential for minimum credit limit of $200 with a starting security deposit of just $49\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Automatic credit line reviews in as little as six months with responsible use\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Available for consumers with Limited\/Bad credit\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Foreign transaction fees: None\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n This is a secured credit card, so a cash deposit is required as collateral\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n High APR for purchases (26.99% (Variable))\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best high limit credit card with a 0% APR

Chase Freedom Flex℠

  • On Chase's Secure Website

$0

14.99% - 23.74% Variable

Excellent/Good

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

Our thoughts

We recommend the Chase Freedom Flex℠ for its excellent 0% Intro APR on Purchases for 15 months — three months longer than similar offers. After that, the APR increases to 14.99% - 23.74% Variable.

We've seen numerous reports from applicants who claim that the card has offered an initial credit limit of $10,000 or more. This is significantly greater than the limit offered by most other cards with a 0% intro APR offer.

Unlike most other cards with promotional APR offers, the Chase Freedom Flex℠ has strong ongoing value. Cardholders have access to an outstanding rewards rate: Earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases. Overall, competing cards will have trouble keeping up in terms of rewards due to the card's 5% categories.

  • Generous sign-up bonus and ongoing rewards rate
  • $0 annual fee
  • Intro APR offer for purchases can help you save on interest for 15 months
  • Get cardholder benefits like purchase protection against damage or theft, extended warranties, trip cancellation and interruption insurance, cellphone insurance, secondary auto rental coverage and more
  • Credit limit could be as low as $500
  • 5% back in rotating categories is capped at $1,500 in spending per quarter
  • You have to enroll in the categories each quarter to earn 5% cash back
  • High APR for purchases after introductory offer ends (14.99% - 23.74% Variable)
  • Charges a 3% of each transaction in U.S. dollars foreign transaction fee
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23.74% Variable\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\" color=\"yellow\" name=\"star-half\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":90,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.\u003C\/li\u003E\u003Cli\u003EEarn 5% cash back on grocery store purchases (not including Target\u00ae or Walmart\u00ae purchases) on up to $12,000 spent in the first year.\u003C\/li\u003E\u003Cli\u003EEarn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!\u003C\/li\u003E\u003Cli\u003EEarn 5% on Chase travel purchased through Ultimate Rewards\u00ae, 3% on dining and drugstores, and 1% on all other purchases.\u003C\/li\u003E\u003Cli\u003ENo annual fee.\u003C\/li\u003E\u003Cli\u003E0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.\u003C\/li\u003E\u003Cli\u003ENo minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"14.99% - 23.74% Variable\",\"bannerDisclaimers\":[\"On Chase's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 5% cash back on grocery store purchases (not including Target\\u00ae or Walmart\\u00ae purchases) on up to $12,000 spent in the first year.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 5% on Chase travel purchased through Ultimate Rewards\\u00ae, 3% on dining and drugstores, and 1% on all other purchases.\\u003C\\\/li\\u003E\\u003Cli\\u003ENo annual fee.\\u003C\\\/li\\u003E\\u003Cli\\u003E0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.\\u003C\\\/li\\u003E\\u003Cli\\u003ENo minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\\\" color=\\\"yellow\\\" name=\\\"star-half\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":90,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"0% APR\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4572.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/1311?url=_best-high-limit-credit-cards\",\"name\":\"Chase Freedom Flex\\u2120\",\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Sign Up Bonus\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target\u00ae or Walmart\u00ae purchases) on up to $12,000 spent in the first year.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EWe recommend the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Freedom Flex: Why This New Card Is a No-Brainer\" href=\"https:\/\/www.valuepenguin.com\/chase-freedom-flex-card\"\u003EChase Freedom Flex℠\u003C\/a\u003E\u003C\/span\u003E for its excellent \u003Cstrong\u003E0% Intro APR on Purchases for 15 months\u003C\/strong\u003E \u2014 three months longer than similar offers. After that, the APR increases to 14.99% - 23.74% Variable.\u003C\/p\u003E\n\n\u003Cp\u003EWe've seen numerous reports from applicants who claim that the card has offered an initial credit limit of $10,000 or more. This is significantly greater than the limit offered by most other cards with a 0% intro APR offer.\u003C\/p\u003E\n\n\u003Cp\u003EUnlike most other cards with promotional APR offers, the Chase Freedom Flex℠ has strong ongoing value. Cardholders have access to an outstanding rewards rate: \u003Cstrong\u003EEarn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases.\u003C\/strong\u003E Overall, competing cards will have trouble keeping up in terms of rewards due to the card's 5% categories.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Generous sign-up bonus and ongoing rewards rate\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $0 annual fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Intro APR offer for purchases can help you save on interest for 15 months\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Get cardholder benefits like purchase protection against damage or theft, extended warranties, trip cancellation and interruption insurance, cellphone insurance, secondary auto rental coverage and more\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Credit limit could be as low as $500\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 5% back in rotating categories is capped at $1,500 in spending per quarter\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You have to enroll in the categories each quarter to earn 5% cash back\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n High APR for purchases after introductory offer ends (14.99% - 23.74% Variable)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Charges a 3% of each transaction in U.S. dollars foreign transaction fee\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best credit card with a high limit for fair credit

Capital One QuicksilverOne Cash Rewards Credit Card

  • On Capital One's Secure Website

$39

26.99% (Variable)

Average/Fair/Limited

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Be automatically considered for a higher credit line in as little as 6 months
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app

Our thoughts

The Capital One QuicksilverOne Cash Rewards Credit Card is our pick as the best high limit card for people with Average/Fair/Limited credit since it allows cardholders to quickly gain access to a higher credit limit. While your initial credit limit may be on the low side, Capital One promises to consider you for a higher credit limit in as little as six months.

The Capital One QuicksilverOne Cash Rewards Credit Card also offers a respectable 1.5% Cash Back on every purchase, every day. While other cards offer similar rewards, there's no guarantee those cards will increase your limit after only six months.

You'll also have access to CreditWise from Capital One, which allows you to check your credit score and monitor your credit profile. These types of tools are common nowadays from most cards — but it's a nice addition, and improving your credit score could lead to getting an even higher credit limit. Keep in mind that the Capital One QuicksilverOne Cash Rewards Credit Card comes with a $39 annual fee, but as long as you spend $217 per month on the card, you'll break even on the fee each year.

  • Available for consumers with Average/Fair/Limited credit
  • Can qualify for a credit line increase in as little as six months
  • Earn a flat 1.5% Cash Back on every purchase, every day you buy
  • Access free credit-building tools
  • Foreign transaction fees: None
  • $39 annual fee required
  • High APR for purchases (26.99% (Variable))
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ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Capital One's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--fields-bottom\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$39\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp 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The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Fair credit\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/3601.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/626?url=_best-high-limit-credit-cards\",\"name\":\"Capital One QuicksilverOne Cash Rewards Credit Card\",\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Sign Up Bonus\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EOur thoughts\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Capital One QuicksilverOne Cash Rewards Credit Card Review: Is It Worth It?\" href=\"https:\/\/www.valuepenguin.com\/capital-one-quicksilverone-credit-card\"\u003ECapital One QuicksilverOne Cash Rewards Credit Card\u003C\/a\u003E\u003C\/span\u003E is our pick as the best high limit card for people with Average\/Fair\/Limited credit since it allows cardholders to quickly gain access to a higher credit limit. While your initial credit limit may be on the low side, Capital One promises to consider you for a higher credit limit in as little as six months.\u003C\/p\u003E\n\n\u003Cp\u003EThe Capital One QuicksilverOne Cash Rewards Credit Card also offers a respectable \u003Cstrong\u003E1.5% Cash Back on every purchase, every day.\u003C\/strong\u003E While other cards offer similar rewards, there's no guarantee those cards will increase your limit after only six months.\u003C\/p\u003E\n\n\u003Cp\u003EYou'll also have access to CreditWise from Capital One, which allows you to check your credit score and monitor your credit profile. These types of tools are common nowadays from most cards \u2014 but it's a nice addition, and improving your credit score could lead to getting an even higher credit limit. Keep in mind that the Capital One QuicksilverOne Cash Rewards Credit Card comes with a $39 annual fee, but as long as you spend $217 per month on the card, you'll break even on the fee each year.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Available for consumers with Average\/Fair\/Limited credit\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Can qualify for a credit line increase in as little as six months\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Earn a flat 1.5% Cash Back on every purchase, every day you buy\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Access free credit-building tools\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Foreign transaction fees: None\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $39 annual fee required\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n High APR for purchases (26.99% (Variable))\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Compare high limit credit cards

Earning rate
Welcome bonus
Annual fee
Chase Sapphire Reserve®5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchasesEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.$550
Apply Now
  • On Chase's Secure Website
Chase Sapphire Preferred® Card5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchasesOur best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.$95
Apply Now
  • On Chase's Secure Website
Chase Ink Business Preferred℠ Credit CardEarn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.$95
Apply Now
  • On Chase's Secure Website
Show All Rows

How to pick a credit card with a high limit

Credit cards that have the potential for high limits can vary widely in terms of the benefits and rewards they offer. Some also have much higher annual fees than others, although these fees can be worth it if you're someone who can utilize cardholder perks on offer.

Here are the main factors you should consider as you compare cards with high credit limits.

Credit limit potential

You can usually find minimum credit limit information in the fine print of a credit card's terms and conditions page.

For example, the Chase Sapphire Reserve® says the following in its cardholder agreement:

"Before we approve you for a credit card, we will review your credit report and the information you provide with your response to confirm that you meet the criteria for this offer. Based on this review, you may receive a card with different costs or you may not receive a card. If approved for an account, your credit access line will be at least $10,000."

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In addition to checking cardholder agreements for credit limit potential, you should also know that some credit card types tend to come with higher credit limits than others. For example, Visa Infinite cards have more perks and benefits than other Visa credit cards, so they come with stricter approval requirements and higher credit limits as a result.

Credit score required

Most top rewards credit cards require very good or excellent credit, and they may offer higher credit limits to qualified applicants as a result. Likewise, cards available to people with "poor" or "fair" credit tend to come with lower credit limits than others.

Rewards

Rewards credit cards with higher earning rates are typically geared to consumers with good or excellent credit, and thus may come with higher credit limits than competing cards. With this being said, make sure you compare high limit credit cards in terms of the type of rewards they offer, whether you prefer cash back, flexible rewards, or points in a specific travel program.

Welcome bonuses

Also make sure you compare high limit credit cards in terms of the welcome bonuses they offer. While rewards credit cards with exceptional bonuses can be tempting, you'll want to make sure you can easily meet the posted minimum spending requirement via organic spending and regular bills.

Annual fee

High limit credit cards can come with steep annual fees, but these fees can be worth it if you use the perks. For example, paying a high annual fee to get perks like airport lounge access and annual travel credits can easily get you ahead.

Other benefits

Finally, make sure to compare high limit credit cards in terms of the perks you can get. Major benefits to look out for include travel perks like Global Entry or TSA Precheck membership fees, airport lounge access, travel insurance benefits and no foreign transaction fees.

Does no preset spending limit mean you have unlimited credit?

Some credit cards are actually charge cards, meaning you are required to pay your balance in full each month. Due to the full payment requirement, charge cards do not have a preset spending limit.

However, no spending limit does not mean you have unlimited spending potential. With some American Express cards, for example, purchases are approved based on factors like current spending patterns, your payment history, your credit record and your ability to pay your bill. You may even have to prove your resources to make a large purchase or spend more than you have in the past.

How to get a high limit credit card

If you want to be approved for a high limit credit card, the following tips can help:

  • Improve your credit score. Boosting your credit score can help you qualify for any number of high limit credit cards. To help your score in the short-term, make sure you're making all your bill payments early or on time, and that you refrain from opening too many new accounts.
  • Pay down other debt. Having a high utilization ratio on other credit cards may impact your ability to get a high limit on a new one. Pay down debt you have to lower your credit utilization rate, and you'll improve your chances.
  • Use your household income on your credit application. Also be aware that you can use your household income on credit card applications, and not just your own. This can help you get approved for a high limit credit card if you have a spouse or partner who is working and bringing in an income.

How to get a higher credit limit

If you have a credit card you already like and you are hoping to score a higher limit, there are some steps you can take to improve your chances.

  • Make on-time payments on your card. Making on-time payments on your credit card is the best way to improve your chances at a boosted credit limit. Some card issuers will even review your account for credit limit increase potential in as little as six months.
  • Call your card issuer and ask. You can always call your card issuer and ask for a higher credit limit, and the worst they can say is "no." If you decide to call, be prepared to explain your case and have a reason why you need more available credit.
  • Apply for a new credit card. In some cases, you may need to apply for a new credit card to get the credit limit you want. High limit credit cards are your best bet, so make sure to compare all the best options.
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What is a good credit limit?

According to What is a good credit limit, average credit limits in 2020 varied by age group. The following generations boasted these average credit limits last year:

$8,870
Generation Z (ages 18 to 23)
$21,061
Millennials (ages 24 to 39)
$33,049
Generation X (ages 40 to 55)
$38,679
Baby Boomers (ages 56 to 74)
$31,489
Silent Generation (ages 75+)

These credit limits are the average for each group, so any credit limit amounts equal to or above these amounts are considered good.

High Limit Credit Cards FAQs

Is it good to have a high credit card limit?

Having a high credit card limit can be good or bad for your credit and your finances. After all, a high credit limit makes it possible to finance large purchases or have more available credit for emergencies, yet high limits also make it easier to rack up high-interest debt you cannot afford to pay off.

Can I get a higher credit card limit?

You may be able to get a higher credit card limit by inquiring about a higher limit on an existing card or applying for a new one. Keep in mind that you'll have a better chance at a high credit limit if you have good or excellent credit and a high income.

What credit cards have high credit limits?

Many credit cards have the potential for a high credit limit, yet the top rewards credit cards and travel credit cards are usually your best bet. Our top picks for high limit credit cards include the Chase Sapphire Reserve®, the Chase Sapphire Preferred® Card, the Chase Ink Business Preferred℠ Credit Card, the Secured Mastercard® from Capital One, the Chase Freedom Flex℠ and the Capital One QuicksilverOne Cash Rewards Credit Card.

Do business credit cards have higher limits?

Business credit cards can come with higher limits than consumer credit cards, yet your individual credit limit will depend on your business income, your credit score and other factors.

Does a high credit limit affect your credit score?

Having a high credit limit can help increase your credit score by lowering your credit utilization rate. However, a high credit limit may not help your score in this category if you continue spending and you wind up carrying a large balance in relation to your credit limit.

How high can a credit limit go?

Credit card issuers do not disclose their maximum credit card limits, yet some consumers report getting credit card limits of $50,000 or higher with select rewards credit cards.

The information related to Secured Mastercard® from Capital One has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).