The highest credit card limit you can get is over $100,000 according to reports from credit card holders. But like most credit cards in general, even the highest-limit credit cards will only list minimum spending limits in their terms. The best high limit credit cards offer spending limits of $10,000 or more.
In order to get $100,000+ in spending power, you need a lot of assets and income, little debt, and a spotless credit history. Let’s look at some of the most popular offers with high floors and, hopefully, even higher ceilings so you can see for yourself.
- Chase Sapphire Reserve®: $10,000+ credit limit
- Chase Sapphire Preferred® Card: $5,000+ credit limit
- Wells Fargo Reflect® Card: $1,000+ credit limit
- Wells Fargo Active Cash® Card: $1,000+ credit limit
- Chase Freedom Unlimited®: $500+ credit limit
- Citi Double Cash® Card: $500+ credit limit
Again, keep in mind that most credit cards only disclose minimum credit limits, if that. So, your limit could be a lot higher based on your creditworthiness.
In order to have a better chance of getting the highest credit card limit possible in your situation, you should make sure to always pay bills on time, use 30% or less of your available credit, pay down your debts, save money for the future, and otherwise make good financial decisions.
This answer was first published on 04/19/21 and it was last updated on 01/15/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
