Edited by: Chris Dong
& Juan Ruiz
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If you really need unlimited credit, you’ll have to wait for your invitation to arrive. Cards like the Centurion® Card from American Express (also known as the Black card) offer ultra-high discretionary credit limits that are not available to the public but only to those chosen specifically by the card issuer.
For most of us, having a credit card that offers unlimited spending isn’t necessary. With a steady income, a good credit score, and little debt, chances are you can get all the credit you need and more.
For those who do require, or desire, a high credit limit, you’ll find a nice selection of cards from which to select.
And that is the topic on our agenda today. We’ll discuss a variety of best credit cards that offer some of the highest limits.
If your income is sufficient and your credit history strong enough, you could end up with a credit limit of $100,000 (or more) on the Chase Sapphire Preferred card. One of our favorite travel credit cards also charges a relatively low annual fee for being such a credit powerhouse.
We like the Chase Sapphire Preferred card for its generous welcome offer, the ability to earn valuable Ultimate Rewards points, and its flexible redemption options that offer great value for your rewards. You’ll also find its collection of travel benefits, such as primary car rental insurance, some of the best out there.
The Chase Sapphire Preferred card earns up to 5x Ultimate Rewards points:
In addition, every anniversary year you renew, you’ll get a 10% points bonus based on the total dollar amount spent.
The Chase Sapphire Preferred card gets you 25% more value when redeemed for travel through the Chase Ultimate Rewards travel portal.
This card also offers a $50 Ultimate Rewards hotel credit (when booked through the Chase travel portal), 6 months of complimentary Instacart+ and $15 in quarterly statement credits through July 2024, at least 1 year of complimentary DoorDash DashPass when you activate by December 31, 2024, and a $10 monthly Gopuff statement credit.
With this card, you’ll also get travel insurance, purchase protection, extended warranty, no foreign transaction fees, and authorized users for no additional annual fees.
The minimum credit limit for the Chase Sapphire Reserve card is $10,000, which is considered a high limit. While there is no published credit limit for this premium travel rewards card, it is reasonable to expect that the card, like the Chase Sapphire Preferred card, could also have a top limit exceeding $100,000.
With complimentary Priority Pass Select membership for worldwide lounge access, a $300 statement credit each year for travel purchases, and redemption values worth 50% more on the Chase travel portal, you’ll find plenty of economic reasons to consider the card.
The Chase Sapphire Reserve card also earns up to 10x points:
Additionally, this card enjoys perks with a handful of partners:
Lastly, this card has awesome travel insurance, no foreign transaction fees, purchase protection, extended warranty, and return protection. Cardholders will also receive an application fee statement credit for Global Entry, TSA PreCheck, or NEXUS as often as every 4 years.
You’ll need good to excellent credit to be approved for the Capital One Venture X card but you can expect to receive a credit limit of at least $10,000.
With its simplistic earning structure and at least 2 miles earned for every dollar spent on the card, the Capital One Venture X card won’t have you wasting your time managing how to maximize this card. Additionally, miles can be redeemed as statement credits against travel purchases from the previous 90 days or transferred to Capital One’s airline and hotel partners.
Even better, you can use this card to enjoy access to Capital One Lounges, Plaza Premium Lounges, and Priority Pass lounges. You can also utilize the $300 Capital One Travel credit every year, plus watch your points grow with an anniversary renewal bonus of 10,000 Capital One miles each year.
To add onto this, the Capital One Venture X card has complimentary Hertz President’s Circle status, no foreign transaction fees, superb travel insurance, cell phone insurance, purchase protection, extended warranty, and more.
In most cases, our featured cards offer much higher spending limits than traditional credit cards — these are typically used by the ultra-wealthy or heavy spenders, such as the first on our list – The Platinum Card® from American Express.
No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
The Amex Platinum card, which has no preset spending limit, is possibly the most prestigious card that you can get that’s publicly available (without needing an invite). Using this card, you can earn up to 5x points on select airfare and hotel purchases and enjoy the best luxury travel benefits out there.
For example, you have access to the American Express Global Lounge Collection, which offers access to more than 1,400 airport lounges around the world. Then, you’ll get complimentary hotel and rental car elite status: Hilton Honors Gold, Marriott Bonvoy Gold Elite, National Executive, Hertz President’s Circle, and Avis Preferred.
It doesn’t stop there — you’ll have access to Amex Fine Hotels & Resorts to get benefits such as free breakfast, property credits, room upgrades, early check-in, late check-out, and more.
You also get a variety of statement credits as a card member:
This card also comes with purchase protection, return protection, extended warranty, cell phone protection, top-notch travel insurance, and most importantly for this article, no preset spending limit.
We’ve seen monthly spending limits as high as $500,000 with this 1 card alone, though it’s almost impossible for Amex to give it to you immediately. You may initially be approved for a lower spending limit, but as you build your relationship with Amex, you’ll notice your spending limit can increase year over year.
Another fantastic card that offers no preset spending limit is the Amex Gold card. Even though the Amex Platinum card is considered to be one of the most prestigious, the Amex Gold card is actually one of the best cards for everyday spending.
That’s because it earns up to 4x points on your purchases on an array of categories:
In addition, you’ll get up to $120 in dining credits every year (up to $10 per month) at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations (enrollment required). There’s also an Uber Cash benefit where you can get $10 in Uber Cash every month (up to $120 per year), which can be used for Uber Eats orders or Uber rides in the U.S.
There’s also access to The Hotel Collection, which gets you a room upgrade (subject to availability) and a $100 property credit per stay.
This card also has no foreign transaction fees (rates and fees), secondary rental car insurance, baggage insurance, and, of course, no preset spending limit.
If you own a business and manage high cash flow, you’ll want a card that can keep up.
The Amex Business Platinum card excels with premium travel benefits such as worldwide airport lounge access that includes Centurion Lounges, statement credits for specific purchases, and hotel and car rental elite status.
To be specific, you’ll earn up to 5x points on purchases:
The Amex Business Platinum card offers over $1,000 in value with a variety of credits, too:
The travel benefits include:
Of course, this card has no preset spending limit, purchase protection, extended warranty, and much more.
The Amex Plum card offers business owners the flexibility to pay in full each month or carry a balance for up to 60 days without interest, all in the form of a charge card.
This card has no preset spending limit, and we’ve seen business owners being able to charge more than $250,000 per month on this card.
Interestingly, this card allows you to get an unlimited 1.5% Early Pay Discount on eligible charges within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Please Pay By date. If you can’t do that, however, you can enjoy up to 60 days to pay without interest. Just pay the minimum payment due by the due date to get this.
This card also has no foreign transaction fees (rates and fees), secondary rental car insurance, the Global Assist hotline, purchase protection, and extended warranty.
This card has no preset spending limit, and we’ve seen spending limits as high as $1,000,000, though this usually requires additional documentation such as tax returns, profit and loss statements, and so on.
Furthermore, you’ll get your
The Ink Business Preferred card earns 3x points on the first $150,000 spent each year on select business categories and it sits towards the top of our list of cards offering a high credit limit.
Earning is easy with common business purchases such as shipping, social media and search engine advertising, and cable, internet, and phone purchases. You’ll also earn 3x points on the broad category of travel purchases.
Ultimate Rewards points have flexible redemption options, including 25% more value via the Ultimate Rewards travel portal and the ability to transfer points to the Chase travel partners for even greater value.
Also, this card has cell phone protection, purchase protection, extended warranty, and travel insurance, as well as no foreign transaction fees.
Hot Tip: Comparing features and benefits are important when it comes to selecting a business credit card that’s a match for your operation. We’ve put together a comparison of the Amex Business Platinum card vs. the Ink Business Preferred card that can assist you in determining which card might be the better fit.
It may be hard to believe, but the no-annual-fee Freedom Unlimited card can come with a high credit limit. Multiple data points show that the card has been issued with as much as a $20,000 credit limit.
It earns up to 5% cash-back:
There’s a complimentary 3-month DoorDash DashPass membership (activate by December 31, 2024). In addition, you’ll get a complimentary 3-month Instacart+ membership and $10 in statement credits each quarter through July 31, 2024, when you enroll in Instacart+.
This card includes secondary rental car insurance, purchase protection, extended warranty, trip cancellation and interruption insurance, and no additional annual fees for authorized users.
Another superb credit card with high limits and no annual fee is the Ink Business Unlimited card, which is issued by Chase. Although it’s generally not possible to get 6-figure credit limits from this card right off the bat upon approval, you can certainly work your way up to it.
For example, if you’re initially approved for $40,000 but your business grows and you pay off your card in full every month, you can request credit limit increases. You’ll typically be asked to submit tax returns and other additional documentation once you cross the $150,000 credit limit threshold.
This credit card earns as follows:
A promotion of
You’ll have primary rental car insurance, purchase protection, extended warranty, and zero liability fraud protection.
If you’re looking to build or rebuild your credit and have cash on hand, a secured card that grants a high credit limit equal to the amount of your security deposit could be a viable option.
Note that credit limits for secured cards are normally much less than for non-secured cards.
Here are a few examples of credit cards that offer the possibility of a high credit limit.
The Unity Secured card also matches up to $10,000 in security deposits with equal credit limits. The card issuer accepts no credit or bad credit and reports to all 3 credit bureaus.
With no annual fee and a maximum credit limit of up to $2,500, the Citi Secured card could benefit those who need to establish good credit. The minimum security deposit is $200 and the credit limit will be equal to the amount of the deposit.
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While any credit card can be approved in as little as a minute after submitting your application, to utilize the card immediately, you’ll need access to your credit card number and associated information.
The best credit cards for instant approval and immediate access to your credit card number would be those issued by American Express. While instant approval is not guaranteed, if you are instantly approved, you’ll have immediate access to your card information.
If having immediate access to your card information is important to you, you’ll want to check out our article on credit cards that you can use today.
A credit limit is a term used to describe the maximum balance you are allowed to have on a credit card, as dictated by the card issuer.
Credit card issuers determine a specific credit limit for each card issued to an applicant. The amount of the credit limit is based on several factors, including income, credit history, debt-to-income ratio, whether the card is a business or personal card, the amount of credit a person already has with the issuer, credit utilization percentages, activity history with that issuer, and more.
The definition of what constitutes a high credit limit on a credit card is subjective, but a limit of $5,000 for good credit and $10,000 for excellent credit seem to be frequently cited as acceptable definitions.
Based on the product offerings of the credit card issuer, some cards are also issued without preset credit limits and offer more discretionary spending for those cardholders who meet specific card issuer requirements.
We’ll include both types of cards in our discussion.
There are several reasons a high credit limit might be desirable. Let’s look at a few situations where it could be useful.
Having access to credit to pay your bills, invest in needed equipment, or hire extra help could be crucial to keeping a business operational when cash flow is low.
If your income is higher in some months compared to others, having access to credit can help balance the household cash flow.
One factor that contributes to how your credit score is calculated is your percentage of credit utilization. In other words, how much credit you have used compared to the total amount available. The lower the percentage, the better. Having a high credit limit and using just a small percentage can help boost your credit score.
There’s certainly peace of mind knowing that if you had an emergency, you’d have access to enough credit to handle the unexpected expense.
You may be able to obtain a higher credit limit by requesting an increase on your current credit card. Note that credit card issuers may access your credit report and do a hard credit inquiry before granting an increase, so use this option sparingly.
Credit increases can also happen without a request as you build a positive credit history with the issuer.
There are plenty of positives to having high credit limits, but of course, there could be downsides. The temptation to spend more than is prudent or to avoid paying off your statement each month could result in paying high interest charges.
Also, if high credit limits are not managed wisely, it could be possible to easily accumulate a lot more debt.
However, for those who have earned the privilege of receiving high credit limits, there are many benefits. These include being able to make large credit card purchases, having access to emergency funds, having a useful tool for managing credit utilization, and having the capital to level out cash flow.
The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Centurion® Card from American Express was independently collected by Upgraded Points and was not provided nor reviewed by the issuer.
The information regarding the UNITY Visa® Secured Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Citi® Secured Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the American Express® Gold Card, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.
For rates and fees of The Plum Card® from American Express, click here.
For rates and fees of the American Express® Business Gold Card, click here.
Invitation-only premium credit cards would likely have the highest credit limits compared to those offered to the public. However, to the general public, the Amex Platinum card and Amex Gold card are known for having one of the highest spending limits among personal cards. Business credit cards generally have higher limits than personal cards. On the business side, the Amex Business Platinum card, Amex Business Gold card, Ink Business Preferred card, and Capital One Spark Cash Plus card are all options that offer either high credit limits or no preset spending limit at all.
Yes, $10,000 is considered a high credit limit. You will normally need to have excellent credit to qualify for a $10,000 credit limit or greater, however.
Having a high limit does not hurt your credit score, if it is not overutilized. Your percentage of credit utilization, determined by the amount of credit you use compared to the amount of credit you have available, can hurt your credit score if the percentage is high. The contrary is also true. If you pay off your statements each period and keep your percentage of utilization low, it can improve your credit score.
If you have bad credit or no credit, you can rebuild (or build) your credit history with a secured card. Secured cards frequently grant a credit limit equal to the amount of your security deposit held by the credit card issuer. While secured cards normally have lower credit limits than non-secured cards, it is possible to find cards that offer credit limits of up to $10,000.
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