If you want to make a big purchase, you need to definitely check out the list of the best high limit credit cards for 2024. High credit limit cards increase the number of credits which can potentially improve your credit score. If and only if you have a credit score ranging in the bracket from good to excellent then these cards are a perfect fit for you.
When you open a new credit card, the credit card issuers assign you a particular credit limit. The line of credit usually starts from $2000 and goes up to several thousand as per your credit score. Most of the credit card issuers won’t let you spend more than your credit limit. You can gain access to credit cards with high limit a stable income and good to excellent credit scores with a minimum cap of $5,000 or more. Check out the detailed list of the best high limit credit cards for 2024.
Table of Contents
Quick Summary – Best High Limit Credit Cards for 2024
- Chase Freedom Unlimited® – Best travel credit card with flexible rewards
- Chase Sapphire Preferred® Card – Best mid-tier travel credit
- The Platinum Card® from American Express – Great card with no preset credit limit
- Capital One Venture One Rewards Credit Card – Good pick for High Limit Credit Card with
- United Club℠ Infinite Card – Best airline credit card with higher limit
- The World of Hyatt Credit Card – Great mid-tier hotel rewards credit card
- Blue Cash Preferred Card from American Express – Best bonus reward credit with higher limit
- Prime Visa- Great card for cashback with higher credit limit
- American Express Cash Magnet® Card – Great pick forflat-rate cash back rewards
- Alliant Cashback Visa Signature Credit Card – Best no annual fee credit card with higher limit
Charting the Best High Limit Credit Cards for 2024
| Best High Limit Credit Cards | Best For | Annual Fee | Credit Score | Minimum to Maximum Credit Limit |
| Chase Sapphire Preferred® Card | Mid-tier travel credit card | $95 | 700 | $5,000 – $100,000 |
| Chase Freedom Unlimited® | Travel credit card with flexible rewards | $0 | 670 | $5,00 – $100,000 |
| The Platinum Card® from American Express | Great card with no preset credit limit | $695 | 700 | No preset limit |
| Capital One Venture One Rewards Credit Card | Good pick for High Limit Credit Card | $395 | 690 | $10,000 – $100,000 |
| United Club℠ Infinite Card | Airline credit card with higher limit | $525 | 700 | $10,000 – $100,000 |
| The World of Hyatt Credit Card | Mid-tier hotel rewards credit card | $95 | 650 | $5,000 – $100,000 |
| Blue Cash Preferred Card from American Express | Bonus reward credit with higher limit | $95 | 670 | $10,000 – $100,000 |
| Prime Visa | Cashback with higher credit limit | $0 | 670 | $10,000 – $100,000 |
| American Express Cash Magnet® Card | Flat-rate cash back rewards | $0 | 670 | $10,000 – $100,000 |
| Alliant Cashback Visa Signature Credit Card | No annual fee credit card with higher limit | $0 | 670 | $10,000 – $100,000 |
1. Chase Sapphire Preferred® Card
| Annual Fee | $95 |
| Credit Score Required | Good to Excellent in the range of 700 -749 |
| Regular APR | 21.49%- 28.49% (Variable APR) |
| Welcome Bonus | 60,000 bonus points |
This card is regarded as the superior option among the best high limit credit cards for no foreign transaction fee. As it offers a great mix of rewards and flexibility, this card is a must have option for the frequent travelers. With a minimum annual fee of $95 it offers a higher credit line starting from $5,000. This is the minimum credit line and as per the applicant’s profile, you can become eligible for higher credit line. The higher reward rate with redemption flexibility option makes its great fit for travelers.
For all those who purchase travel through the Chase Ultimate Rewards®, the reward rate is 5 points per dollar. Moreover, for streaming services and dining the reward rate is 3 points on each dollar you spend on purchases. The perks of this card is in the form on trip cancellation and interruption insurance, auto rental collision damage waiver, baggage protection and much more. Also , the rewards can be easily transferrable to multiple hotel loyalty and airline reward programs.
Best Chase Credit Cards for 2024
Chase Sapphire Preferred® Card is the best option if you are seeking a travel card from Chase. This card hold more value when the bonus points are redeemed through the Chase Ultimate Rewards®. Also , if you want to look for big rewards and generous welcome bonus , there are other Chase cards in the list too.
2. Chase Freedom Unlimited®
| Annual Fee | $0 |
| Credit Score Required | Good to Excellent in the range of 690-850 |
| Regular APR | 20.49%- 29.24% (Variable APR) |
| Welcome Bonus | Unlimited cash back match |
For all those who are approved for this credit card get a minimum credit limit of $5,00 but applicants with great credit history can get up to $5,000 or higher. For this, the card is upgraded to the Visa Signature version of the Chase Freedom Unlimited®. The greatest benefit of this card is the unlimited cash-back match and the Chase matches all the cashback you have earned at the end of the first year .
Being o a no annual fee card in the list of best high limit credit cards, the approval process is stringent and requires an excellent credit score. The rewards for travel purchased through the Chase Ultimate Rewards® is 5% cashback while 3% cashback on purchases from the restaurants and drug stores. Using this card you can build credit score with easy monitoring of your credit health using real-time analytics and latest FICO score alerts.
Best 0% APR Credit Cards
There are multiple options that offer introductory APR period either on purchases or balance transfers. Few of them on the list offer both for an extended period of time. With Chase Freedom Unlimited® you can enjoy 0% APR for a period of 15 months both on balance transfers and purchases.
3. The Platinum Card® from American Express
| Annual Fee | $695 |
| Credit Score Required | Good to Excellent in the range of 700 -749 |
| Regular APR | 20.99%- 29.99% (Variable APR) |
| Welcome Bonus | 80,000 bonus points |
The rich set of luxury travel perks offered by Amex with no preset spending limit makes it a good option for frequent travelers. For all those who want to travel first class, this card offers Platinum Concierge services. The card will aptly adapt to your spending limits as per your purchases , payments and credit history . Although it has a staggering annual fee and is only good for people who want to earn Membership Reward points. With one of these best high limit credit cards, you get 5 Membership Rewards Points on flights that are booked directly through American Express with a higher spending cap of at least $50,000 each year.
This card offers you $200 as statement credit for Fine hotels and Resorts or Hotel Collection. Moreover you get $20 statement credit each month as a digital entertainment credit. Along with higher credit line this card lets you unlock exclusive dining and reservation experience with Global Dining Access by Resy .
Best American Express Credit Cards for Travel
Class and luxury, a name synonymous to American Express. The credit cards offered by American Express for travel offer exclusive access to premium travel lounges, statement credit for Global Entry, and TSA PreCheck. Moreover, with high annual fees and best high limit credit cards, you can get airline credit as well.
4. Capital One Venture One Rewards Credit Card
| Annual Fee | $395 |
| Credit Score Required | Excellent in the range of 750-850 |
| Regular APR | 22.24%- 29.24% ( Variable APR ) |
| Welcome Bonus | 75,000 miles |
Capital One is a travel card that is jam-packed with multiple perks that put this card in strong competition with the other cards. Being one of the good option in the list of best high limit credit cards, the huge benefit outweigh its moderate annual fee. The card offers multiple benefits that include premium lounge access and reimbursement of Global Entry and TSA Precheck.
In comparison with other upscale credit cards in this price range, it offers great rewards of up to 10 miles for hotels and rentals that are booked through Capital One Travel and 5 miles for flights that are booked through Capital One Travel. Being the best option for credit cards with high limit does not mean that it grants the limit to everyone. Instead, the credit limit is dependent on the detailed evaluation to pay back the amount.
5. United Club℠ Infinite Card
| Annual Fee | $525 |
| Credit Score Required | Excellent in the range of 750-850 |
| Regular APR | 21.74%- 28.74% ( Variable APR ) |
| Welcome Bonus | 80,000 miles |
For all United Flyers and travelers, this card can help you earn 4 miles on all United purchases. As a viable option in the list of best high limit credit cards, this card offers a minimum credit line of $15,000 for those who possess excellent credit scores and income. The high annual fee can also be justified with greater travel perks and a welcome bonus with a spending cap of $5,000 in the first 90 days of account opening.
Being the premium option , it also provides access to United Club Membership which hold the worth greater than the annual fee. With elite travel benefits and no foreign transaction fee this card offers expanded card availability when the miles are used for the United flights.
6. The World of Hyatt Credit Card
| Annual Fee | $95 |
| Credit Score Required | Good to Excellent in the range of 700 -749 |
| Regular APR | 21.49%- 28.49% (Variable APR) |
| Welcome Bonus | 60,000 bonus points |
The value offered by this card to the World of Hyatt loyalists is outstanding with a minimum credit line of at least $5,000. The excellent Hyatt-related perks come with a mediocre annual fee and can let you earn 9 points on each dollar you spend at Hyatt properties. It holds greater redemption value along with free night stay each year that is covered in its annual cost.
Through this card, you can earn 4 points on each dollar you spend on the Hyatt Hotels, 5 points on Hyatt if you are a World of Hyatt Member. Moreover being the mid-tier option among the best high limit credit cards, it gives complimentary World of Hyatt Status. Also, the card holders can get elite qualifying credit with a total spending of $5,000.
7. Blue Cash Preferred® Card from American Express
| Annual Fee | $0 for first year and then $95 for next years |
| Credit Score Required | Good to Excellent in the range of 670-850 |
| Regular APR | 19.24%- 29.99% (Variable APR) |
| Welcome Bonus | $250 statement credit |
The credit line eligibility of this card is dependent on your income, credit score and rest of the financial details . To get access to higher credit line using the Blue Cash Preferred® Card from American Express, you need to have an excellent score and income . The credit limit of this card is in the range of $1000 to $25,000. Greater cashback of up to 6% are available on U.S super markets with a spending limit of $6,000 each year on purchases.
Being one of the favorable option in the list of credit cards with high limit , it offers 0% introductory APR on purchases and balance transfers for a duration of 12 months. Apart from groceries , you can earn 6% cash back on streaming subscriptions, 3% on gas stations and transit that includes taxis, ride share , trains , tolls , buses and much more.
Best Credit Cards for Groceries
If you want the highest rate on U.S supermarkets, grab one of the top cards for groceries. The top cards offer cashback of up to 6% on groceries. So, without further ado, pick the best cards for groceries to save huge chunk of money.
8. Prime Visa
| Annual Fee | $0 |
| Credit Score Required | Good to Excellent in the range of 700-750 |
| Regular APR | 19.49%- 27.49% (Variable APR) |
| Welcome Bonus | $100 as an Amazon Gift Card |
Being the Visa Signature credit card, the minimum credit limit of this card is $5,000 but it can be extended depending on your credit score. All the frequent shoppers of Amazon and Whole Foods can get 5% reward rate on both. To further elevate the earnings , This card offers 2% reward category along Visa Signature benefits. The array of befits make this card a better option for all the Amazon buyers.
Although the card lacks awards, but being one of the best high limit credit cards you can leverage its power for Amazon. Also , as it charges no annual fee so it is regarded as the good option for higher credit line.
9. American Express Cash Magnet® Card
| Annual Fee | $0 |
| Credit Score Required | Good to Excellent in the range of 670-850 |
| Regular APR | 18.99%- 29.99% (Variable APR) |
| Welcome Bonus | $150 statement credit |
Amex Cash Magnet Limit usually starts with $1,000 but surges upward with consideration to your credit history. Being one of the secure option in best high limit credit cards it provides unlimited 1.5% cash back on all the purchases . Although American Express has not mentioned the credit limit in the card details and terms and conditions of the site but it usually offers higher credit line.
American Express Cash Magnet® Card provides a low 0% APR on purchases and balance transfers for a duration of 15 months and afterward a variable APR. Through this card you can make big purchase and split the money into easy monthly installments. This offers generous rewards on dining, travel, shopping, and more with easy redemption through the statement credit .
10. Alliant Cashback Visa Signature Credit Card
| Annual Fee | $0 |
| Credit Score Required | Excellent in the range of 750-850 |
| Regular APR | 17.49%- 27.49% (Variable APR) |
| Welcome Bonus | Not applicable |
This card offers a greater return of 2.5% if you rack up the monthly balance. For this card, you must have an excellent credit score with a minimum credit line of $5,000. This card offers an array of benefits but the mandatory condition for this card is that you should be a member of the Alliant Credit Union. With one of the viable options in the best high limit credit cards you can earn a reward of 2.5% with a spending cap of at least $10,000 on qualifying purchases. With all other purchases, you can get 1.5% cash back.
The perks of the card include travel insurance, auto rental collision damage waiver, extended warranty on purchases, and much more. The no foreign transaction fee on the credit card is the cherry on the top. Moreover, the card charges no penalty APR charges. To maximize your earnings through this card the balance should be $1000 on daily basis.
Which credit cards offer higher limit for balance transfers
Among the highest credit limit balance transfer credit cards, there are fewer but the best options are the following
- Citi Double Cash® Card
- Bank of America® Customized Cash Reward Card
- Citi® Diamond Preferred® Card
As the credit card issuer primarily determine the amount of debt you can pay with respective to your credit limit . Many of the best credit card issuers often gives you the edge to transfer the full amount but in multiple cases the transfer limit is just 75% of the total of the credit limit .
Which credit card offer high credit limit with no annual fee?
There are multiple credit cards with high limits but only few of them comes with no annual fee. The top pick for the card with no annual fee is Chase Freedom Unlimited®. This card offers multiple benefits at no annual fee charges. You only become eligible for higher credit limit if you have an good to excellent credit score ranging from 690-850.
Which credit cards offer higher limit along with 0% APR ?
The best high limit credit cards with 0% APR for a duration of 6 or more monthly include the following:
- Bank of America® Customized Cash Rewards Credit Card
The maximum credit limit of the card is $14,000 which is much higher than several other cards with the same annual fee. The 0% APR on purchases and balance transfer is for a period of 15 billing cycles.
- Bank of America® Travel Rewards Credit Card
With this card the users can reach the spending limit of $18,000 or more. The card comes with 0% introductory APR on purchases and balance transfers with generous rewards and sign up bonuses. The good aspect is that there is no particular spending limit and earning potential for this card.
- Bank of America® Unlimited Cash Rewards Credit Card
For high spenders with an excellent credit score , you can boost the credit limit to $99,000 with this card. Moreover being the best high limit credit cards it also offers 0% introductory APR for users to get the ultimate benefits on purchases.
Frequently Asked Questions
Which credit card offers the maximum credit limit?
Among all the best high limit credit cards, Chase Sapphire Preferred® Card have a limit of upto $100,000. Although the eligibility of this much credit is very difficult but still you strive to meet the terms and conditions to avail higher credit limit.
What is an easiest high limit credit card to get ?
As the mid-tier travel card, Chase Sapphire Preferred® gives a minimum of $5,000 as starting but with passage of time the credit limit can be increased further.
What is regarded as the best way to get high-limit credit cards?
For easy approval of the high-limit credit cards, the mandatory condition is the credit score that should be in the bracket of 690-850. The FICO credit score that lies in this bracket is generally regarded good to excellent score.
