Best credit cards with the highest limits in 2021
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Editor’s note: This is a recurring post, regularly updated with new information.
Let’s start by acknowledging there’s a bit of mystery to credit card limits.
Issuers generally do not divulge the range of credit limits they extend to customers, although you may be able to coax a customer service representative into telling you about the highest credit limit they’ve seen on an account. And cardholders sometimes share stories in online forums about the size of their credit lines.
Generally speaking, however, if you want to apply for a card with a high credit limit, your best bets will be premium rewards cards and business credit cards, which may be able to offer outsize credit lines based on your company’s spending needs.
A good rule to follow is that any card with lots of benefits will likely come with a potentially high spending limit. You also can look to cards that carry Visa Infinite or Mastercard World Elite branding, or cards that have no preset spending limits.
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Best credit cards with high limits in 2021
- Chase Sapphire Preferred Card
- Chase Sapphire Reserve
- Capital One Venture Rewards Credit Card
- Delta SkyMiles® Gold American Express Card
- Citi Prestige® Card (not available to new applicants)
The information for the Citi Prestige has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Highest reported credit limit: $500,000, according to Quora (although a $50,000 limit seems more likely). As a Visa Signature card, the minimum credit limit you can have is reportedly $5,000.
Sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.
Rewards: Earn 5x points on Lyft rides through March 2022, 5x points on travel when booked through the Chase Ultimate Rewards portal, 2x points on other travel and 3x points on dining, select streaming services and online grocery purchases (excluding Walmart and Target). You’ll earn 1x points on all other purchases.
Benefits: The Chase Sapphire Preferred Card comes loaded with travel perks, including primary car rental insurance, trip delay insurance, trip cancellation/interruption insurance and baggage delay insurance.
Annual fee: $95
APPLY HERE: Chase Sapphire Preferred Card
Highest reported credit limit: $80,000, according to a post on the myFICO forums. As a Visa Infinite card, your limit will reportedly be $10,000 at a minimum.
Sign-up bonus: Earn 50,000 Ultimate Rewards points after you spend $4,000 on purchases in the first three months of account opening.
Rewards: Earn 3 Ultimate Rewards points per dollar on travel (after the $300 travel credit is exhausted) and dining, 10 points per dollar on Chase Dining booked through Ultimate Rewards, 10 points per dollar on hotel and car rental bookings through the Ultimate Rewards Travel portal, 5 points per dollar on airline travel booked through the Ultimate Rewards Travel portal and 1 point per dollar on everything else. You’ll also earn 10 points per dollar on Lyft rides through March 2022.
Benefits: The travel benefits are top-notch, including a $300 annual travel credit, Priority Pass lounge access and reimbursement for the Global Entry or TSA PreCheck application fee. Enrollment is required for select benefits.
Annual fee: $550
APPLY HERE: Chase Sapphire Reserve
Highest reported credit limit: $58,000, according to a member on the myFICO forums. This is another Visa Signature card, so the minimum credit limit is reportedly $5,000.
Sign-up bonus: Earn 60,000 bonus miles after you spend $3,000 on purchases within the first three months of account opening.
Rewards: Earn 2x miles on every purchase.
Benefits: Visa Signature travel benefits include travel accident insurance, lost luggage reimbursement and secondary auto rental coverage. You’ll also get extended warranty protection and purchase security, which replaces, repairs or reimburses you for purchases in the event of theft or damage within 90 days of the purchase date, up to $500 per claim and $50,000 per cardholder. Benefits are only available to accounts approved for the Visa Signature card. Terms apply.
Annual fee: $95
APPLY HERE: Capital One Venture Rewards Credit Card
Highest reported credit limit: $50,000, according to a post on the myFICO forums.
Welcome offer: Earn 70,000 bonus miles after you spend $2,000 in purchases on your new card in your first three months of card membership. Offer ends 11/10/2021.
Rewards: Earn 2 miles per dollar on Delta purchases and at restaurants and U.S. supermarkets and 1 mile per dollar on other eligible purchases.
Benefits: Enjoy priority boarding, a first bag checked free on Delta flights, no foreign transaction fees (see rates and fees) and 20% savings on inflight purchases. You’ll also get a $100 Delta flight credit after you spend $10,000 in a calendar year.
Annual fee: $0 introductory annual fee for the first year, then $99 (see rates and fees).
APPLY HERE: Delta SkyMiles Gold American Express Card
Highest reported credit limit: $92,000, according to a post on the myFICO forums.
Sign-up bonus: This card is currently unavailable to new applicants.
Rewards: Earn 5x points on dining at restaurants and air travel, 3x points at hotels and cruise lines and 1x everywhere else.
Benefits: The most lucrative of the many perks this card offers is its fourth night free benefit. Citi will give you the fourth night of your stay gratis at virtually any hotel when booking through the Citi Prestige Concierge (up to twice per year). The rate is based on your average night stay and doesn’t include taxes and fees. You’ll also receive an annual $250 travel credit, a $100 Global Entry credit, Priority Pass lounge access, trip coverage and purchase protection. Enrollment is required for select benefits.
Annual fee: $495
What is a high credit limit?
Your definition of a high credit limit may vary. If you’re starting with credit, a few hundred to a few thousand bucks may seem like a huge line. More experienced users would define a high credit limit as one that exceeds tens of thousands of dollars.
Let’s examine average credit limits, though. The Consumer Financial Protection Bureau reported average credit lines per account broken down by FICO score range. Here’s what the agency found:
|Credit category||Credit score range||Average credit line|
|Super prime||720-850||About $10,000|
|Prime||660-719||Less than $6,000|
|Near prime||620-659||Roughly $3,000|
Any credit line higher than $10,000 is considered above average for consumers with the best credit scores. Again, whether $10,000 is a high limit really depends on your financial picture and needs.
How to get a high credit limit
How issuers determine credit limits is proprietary, although some of them offer guidance.
American Express says it takes into account, “The customer’s overall level of debt relative to their financial resources known to us. Also, we look at a variety of factors that comprise a customer’s overall credit profile, which includes, among other things, your credit bureau reports and scores at the time you apply, payment history (if any) with American Express, reported income and usage habits (if known).”
Discover, meanwhile, says your credit score is important, but “a high score alone does not necessarily guarantee a certain credit limit or even card approval.”
Issuers will also look at your income, monthly expenses, payment history and credit utilization. Your age and location can also be factors.
Why you might want a high credit limit
There are two pretty good reasons to seek a credit card with a high limit.
If you put as much of your monthly expenses on a credit card as you can (and you should so you can earn the rewards — responsibly, of course) and you have many expenses that you can pay off each month, you should look to a high-limit card. Second — and this actually works in tandem with the first reason — getting a high-limit card could actually help your credit score.
Credit utilization, one of the things mentioned above that influences issuers’ decision on how big your credit line will be, is a huge factor in your credit score. The less credit you use as a percentage of the overall line of credit available to you, the lower your utilization and the higher that should push your score. Qualify for a big credit line and use only a small portion of it each month, and that could boost your score.
As previously mentioned, some cards don’t have any preset spending limits. Most Amex-branded cards, including The Platinum Card® from American Express, the American Express® Gold Card and the American Express® Green Card, fall under this category. With these cards, your transactions are approved on a case-by-case basis (based on factors such as your purchase, payment, and credit history), which in practice means that you could get a much larger credit line than with your average credit card..
The information for the Amex Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
For instance, as you can tell from above, it’s not easy to get approved for a single personal card with a $100,000 credit limit. Still, many businesses can charge much more each month to The Business Platinum Card® from American Express since it has no preset limit.
Amex also allows eligible cardholders to pay eligible charges of $100 or more over time through the Pay Over Time program, but there is a limit for this and the fees are usually high.
If you have a solid credit score and can demonstrate steady income, you might have a good shot at earning an above-average credit limit on your next credit card — especially if you’re willing to pay a sizable annual fee. You might not be able to get a good feel for your specific limit before you apply. However, even if your initial credit line on a new card is not high enough for your needs, you may be able to get a credit limit increase over time by using your credit responsibly. It may also sometimes be possible to go over your credit limit, but that usually has negative consequences, so it’s best avoided.
Additional reporting by Mike Cetera and Joseph Hostetler.
Featured photo by rawpixel via Unsplash.
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