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The Best High Limit Credit Cards of 2019

Not every credit card is created equal, especially when it comes to the amount of credit it will make available to you. After carefully researching many different credit card offers, we determined which cards offer the highest credit limits. Since people have varied needs from their credit cards, we've broken out the cards that offer the highest credit limits into five separate categories. We've also created an interactive tool that allows you to compare your options.

Table of Contents

The Best High Limit Credit Cards of 2018

Whether you're searching for a high limit card for people with bad credit or for your business, here are the cards we recommend.

Best High Limit Credit Card for Fair Credit: Capital One® QuicksilverOne® Cash Rewards Credit Card

What makes the Capital One® QuicksilverOne® Cash Rewards Credit Card the best high limit card for people with fair credit is that it allows cardholders to quickly gain access to a high credit limit. That's because you'll be given a higher credit limit after making just five monthly payments on time. Some competing cards won't increase your credit limit until you've been a cardholder for more than a year or until you request a limit increase. The Capital One® QuicksilverOne® Cash Rewards Credit Card also offers a respectable 1.5% cash back on all purchases. While other cards offer similar rewards, there's no guarantee those cards will increase your limit after only five 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 be breaking even on the fee.

Highlights

  • $39 annual fee.
  • Earn unlimited 1.5% cash back on all purchases.
  • Rewards don't expire, and you can redeem cash back for any amount.

Best High Limit Credit Card for Bad Credit: Capital One® Secured Mastercard®

The Capital One® Secured Mastercard® 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 Capital One® Secured Mastercard® can potentially offer an oversized limit. For instance, a $49 refundable security deposit could get you a $200 initial credit line. Simply put, there's no other available card that will give you more for less. What's even better is that the card is easy to qualify for since it's meant for people with bad or limited credit.

Another great attribute of the card is that you'll get access to a higher credit line in five months, provided you make on-time payments. Most cards will eventually provide you with a higher credit line after a history of making on-time payments, but other cards typically don't disclose the exact timeline like the Capital One® Secured Mastercard® does. A higher credit limit will likely reduce your credit utilization ratio, which in turn will increase your credit score. So, through appropriate use, this card can help you increase your credit score and increase your card's limit.

Highlights

  • $0 annual fee.
  • $49, $99 or $200 refundable deposit based on your creditworthiness.

Best High Limit Business Credit Card: The Plum Card® from American Express

The Plum Card® from American Express is the best high limit business card because it's a charge card, and therefore it doesn't have a preset spending limit. As a point of comparison, some of the best business credit cards have initial minimum credit lines of less than $5,000. Having no spending limit on a charge card doesn't mean you can charge whatever you want to the card; rather, your "limit" is more flexible than hard caps offered by credit cards. Your purchasing power will change depending on several factors, including how you use the card and your payment history. Overall, this is much more favorable to the set cap found on business credit cards.

While business credit cards charge you steep interest fees when you carry a balance, The Plum Card® from American Express allows you to pay in full each month or carry a balance for 60 days with no interest. This is a great feature to have for businesses that operate in seasonal industries or those that have less-than-predictable cash flow. The Plum Card® from American Express provides a 1.5% discount on all purchases that you pay off within 10 days of the beginning of your billing cycle, which is comparable with some of the top cash back credit cards on the market.

Highlights

  • $0 intro annual fee for first year, then $250.
  • Take up to 60 days to pay with no interest.
  • Pay early and get a 1.5% discount with no cap.

Best High Limit Credit Card for Travel Rewards: Chase Sapphire Reserve®

The Chase Sapphire Reserve® is the top choice for travelers who need a high credit limit. Cardholders have reported a $10,000 minimum credit line and the card has up to a 4.5% rewards rate on travel purchases (3 points on travel after you earn the $300 travel credit). Most standard travel cards offer a 1.5% rewards rate and a much lower initial credit limit. Another great benefit for frequent travelers is that the 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 Rewards and the World of Hyatt.

The Chase Sapphire Reserve® is 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 $450 annual fee, but for people who use the $300 annual travel credit, that fee is effectively only $150 per year. If you're uncomfortable with such a high fee, consider the Chase Sapphire Preferred® Card, which comes with slightly lower rewards rates and a $95 annual fee (waived in year one).

Highlights

  • 4.5% rewards rate on travel and dining purchases (3 points on travel after you earn the $300 travel credit).
  • $450 annual fee.
  • $300 annual travel credit.

Best High Limit Card With a 0% Intro APR Offer (No Fee): Chase Freedom®

We recommend the Chase Freedom® for anyone who needs to make a large balance transfer, given the card's excellent 0% intro APR offer and its high credit limit. We've seen copious reports from applicants who claim that the card has offered an initial credit limit as high as $4,500. This is significantly greater than the limit offered by most other cards with a 0% intro APR offer. The offer extends to balance transfers and purchases for 15 months, which is three months longer than similar offers. Keep in mind that, after 15 months, the APR increases to 16.99% - 25.74% Variable.

Unlike most other cards with promotional APR offers, the Chase Freedom® has strong ongoing value. Cardholders can earn an outstanding 5% cash back in categories that change every three months. While the 5% cash back is limited to up to $1,500 in purchases per quarter, the card also offers 1% cash back on all other purchases. Overall, competing cards will have trouble keeping up in terms of rewards due to the card's 5% categories.

Highlights

  • $0 annual fee.
  • Earn 1% back on all purchases outside of the rotating categories.
  • Earn a $150 bonus after you spend $500 on purchases in your first three months.

Credit Card Comparison Tool

Anyone looking to compare credit cards should utilize our tool below. You simply click "edit" and enter your estimated monthly expenses. The tool will then calculate the estimated rewards each card will earn you over the next two years. Our tool is not only personalized; it's the only one of its kind.

Assumptions Based On Monthly Spend of: $1,430 Edit
General:
U.S. Gas Stations:
U.S. Supermarkets:
Airlines:
Hotel:
U.S. Restaurants:
Office:
Utilities:
Computing:
Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. All estimates are based on the spend assumptions entered above (which you can edit).

Bonus Value

The bonus field shows our estimate for the value of the card’s welcome bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool. All estimates are based on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards value is calculated by adding together the rewards earned from charging purchases to the card over two years and any welcome bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card and on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Chase Sapphire Reserve®
$450 1.55%
$750
50,000 bonus points when you spend $4,000 in the first 3 months from account opening. That's $750 when you redeem for travel.
$530
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 45,360 x $0.015 = $680
Bonuses
50,000 x $0.015 = $750
Less Annual Fees -$900
Total Net Estimated Rewards Through 24 Months 530

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $450
APR 17.99% - 24.99% Variable

Card Details

  • Earn 50K bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
Chase Freedom®
$0 1.44%
$150
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
$493
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 493

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 16.99% - 25.74% Variable

Card Details

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 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
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Capital One® QuicksilverOne® Cash Rewards Credit Card
$39 1.27%
$0
$437
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 515 x $1 = $515
Less Annual Fees -$78
Total Net Estimated Rewards Through 24 Months 437

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $39
APR 26.46% (Variable)

Card Details

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • 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

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

The Plum Card® from American Express
$0 introductory annual fee your first year, then $250 0.77%
$0
$265
Graph Card Read Review More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 51,480 x $0.01 = $515
Less Annual Fees -$250
Total Net Estimated Rewards Through 24 Months 265

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 introductory annual fee your first year, then $250
APR N/A
*Rates and Fees

Card Details

  • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, if you pay your minimum due.
  • Use the power of the Plum Card to buy big for your business.
  • Unlock new opportunities with a spending limit that can grow with your business.
  • Additional Employee Cards at no annual fee — and an early pay discount on employee spending.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply. See Rates & Fees
Capital One® Secured Mastercard®
$0 0.00%
$0
$0
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 26.99% (Variable)

Card Details

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

A Guide on Choosing The Best High Limit Credit Card

Cardholders who don't pay their credit card bills in full every month shouldn't be searching for a credit card with a high credit limit. Credit card interest charges are costly, and you'll start accruing debt if you carry a large balance. Instead, cardholders should focus on paying down existing credit card debt.

The one exception to this rule is if you're planning to apply for a balance transfer credit card. That's because a balance transfer credit card can actually help you pay down existing debt by suspending interest payments for a certain period of time, typically 12 to 18 months.

Generally, cards with the highest credit limits will charge an annual fee. If you're still interested in applying for a credit card, but you don't want to pay an annual fee, check out our recommendation on the best no-fee card with a high limit.

Assuming you never carry a balance, the card you qualify for will be heavily influenced by your credit score. If you have bad or limited credit history (a FICO score below 620), you'll likely have to choose a secured card. By making on-time payments to a secured card, you'll increase your credit score, which will help you get a higher credit limit. Secured cards require a security deposit, but you'll get the chance to earn it back after a certain number of months. Among secured cards, you should expect your credit line to range anywhere from $100 to $500.

Anyone who has an average credit score (a FICO score between 620 and 680) should expect to be approved for cards that offer credit limits greater than $1,000. While the initial credit limit you're granted will vary by applicant, making on-time payments and keeping your credit utilization low will eventually get you a higher credit limit.

If you have good to excellent credit (a FICO score greater than 680), then you'll want to apply for a travel card. That's because travel cards offer the highest rewards rates of any card type and usually carry the highest credit limits. The credit limit offered by these cards will vary, but you should expect it to be in the thousands of dollars. In fact, Visa Infinite cards come with an initial minimum credit limit of $10,000.

How We Made Our Picks for the Best High Limit Credit Cards

Our team evaluated more than 300 credit cards and chose five that provide cardholders with access to the highest limits. However, we realize that credit cards can have many more features than just a large credit limit. That's why we also studied each card's rewards rate, bonuses, fees and a ton of other benefits in making our selections for the best cards.

Maximum credit limits aren't officially published by credit card issuers, and initial credit limits vary by applicant. However, many cards are part of a particular card network, which have minimum credit limits. So, our research began there. For example, Visa Signature cards have a minimum credit limit of $5,000. We then studied hundreds of credit card user reviews and browsed popular online credit card forums to gauge the credit limits offered to typical applicants. We also surveyed our in-house credit card experts, who have years' worth of experience and dozens of credit cards. In order to be exhaustive in our review, we also studied social media interactions and comments posted to our accounts and site that mentioned credit limits over the past few years.

Our recommendations for the best cards also took into account each card's qualitative features. That's because we realize not every credit card benefit boils down to a number. For instance, how would you measure the helpfulness of a customer service representative? This is where our expertise began to kick in. We've studied credit cards for a long time, and every single one of our choices was made by our panel of credit card experts.

Value Penguin's Selection Criteria

Credit limit potential: The most important criterion was finding credit cards that offered high credit limits. This search included finding cards that offered high initial credit lines, like Visa Infinite cards, or ones that allow cardholders to gain access to those high limits after an extended period of responsible use. We favored credit cards with high initial credit limits because a credit limit increase isn't always guaranteed.

Eligibility: We also made sure that our selections encompassed a broad range of eligibility standards. That's because credit cards with extremely high credit limits are often reserved for those with excellent credit scores. We wanted to ensure our recommendations worked for people with widely differing credit scores.

Rewards rate: We believe the ability to earn rewards is important when it comes to selecting a credit card. Furthermore, anyone who wants a high credit limit will likely choose to exercise their purchasing power for large expenses. Therefore, we gave preference to cards that had a rewards rate of at least 1.5%. We adjusted this criteria for certain categories where we felt the eligibility standards to apply were different, such as our pick for the best high limit card for people with bad credit.

Bonus value: Sign-up bonuses can be lucrative for credit card applicants. We generally favored sign-up bonuses with a smaller spending requirement because that means they are more accessible to a larger group of people. However, we also made adjustments for any bonuses that were worth significantly more than bonuses offered by competing cards.

Long-term use: We made our credit card selections for our "best" list under the assumption that cardholders would hold on to these cards for several years. We gave preference to cards that not only performed well in the short term, but also made for excellent long-term picks.

Fees: We considered various types of fees in making our choices, including annual fees, foreign transaction fees and balance transfer fees. For instance, we believe it's OK for a card to have annual fees as long as it offers enough rewards to offset those fees.

Great High Limit Credit Cards That Missed the Cut

While searching for the best credit cards with high credit limits, we came across a few contenders that make for great choices—but ultimately were outperformed by a different card. The following cards were strong runner-ups.

Chase Sapphire Preferred® Card: This card offers great travel rewards and cardholders report a minimum $5,000 credit limit. However, it's outperformed in both areas by the Chase Sapphire Reserve®. The Chase Sapphire Reserve® has a much higher annual fee, but when you account for the $300 travel credit, that fee is effectively only $55 greater. Both of these cards are great choices, but regardless of whether you're looking for greater travel rewards or a higher credit limit, the better choice is the Chase Sapphire Reserve®.

Ink Business Preferred℠ Credit Card: If there were no such thing as charge cards, the Ink Business Preferred℠ Credit Card would be our pick for small businesses looking for a high limit card. That's because cardholders report a minimum credit line of $5,000 in addition to its outstanding rewards. The card's initial credit line will make it easier for your business to achieve the $5,000 spending requirement on the card's sign-up bonus, which can be worth up to $1,000 in travel rewards. However, our best charge card recommendation has no preset spending limit, which grants small businesses unparalleled purchasing power, depending on their spending habits.

Joe Resendiz

Joe Resendiz is a former investment banking analyst for Goldman Sachs, where he covered public sector and infrastructure financing. During his time on Wall Street, Joe worked closely with the debt capital markets team, which allowed him to gain unique insights into the credit market. Joe is currently a research analyst who covers credit cards and the payments industry. He earned a bachelor’s degree from the University of Texas at Austin, where he majored in finance.

Comments and Questions

Opinions, analyses, reviews, or recommendations expressed here are the author's alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer's Affiliate Program. For a full list of our advertisers see our disclosure page

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Info about the following cards: Premier Rewards Gold Card from American Express, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Credit Card from American Express, The Amex EveryDay® Preferred Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, Starwood Preferred Guest® American Express Luxury Card, and Amazon Business American Express Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

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.

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® Card 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).

Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products. For more information please see our Advertiser Disclosure.