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This question is about High Limit Credit Cards
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Lisa Cahill, Credit Cards Moderator
@lisacahill
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Your best chance at getting a $20,000 limit is with the Chase Sapphire Reserve® card. It has a $10,000 minimum credit limit, but if Chase thinks you can handle a limit that’s twice the minimum amount based on your income and debt, you could be approved for $20k. Just keep in mind that no credit card guarantees a $20,000 minimum credit limit.
In general, you could get approved for a credit card with a $20,000 limit if you have excellent credit, a lot of income, and very little debt.
Notable Credit Cards with the Possibility of a $20,000 Limit
High Initial Credit Limit:Chase Sapphire Reserve®
Chase Sapphire Reserve®
Learn MoreLearn Moreon issuer's website- Travel Rewards:
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Learn MoreLearn Moreon issuer's website - For Business:
Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card
Learn MoreLearn Moreon issuer's website
- High Initial Credit Limit:
Chase Sapphire Reserve®
- Travel Rewards:
Chase Sapphire Preferred® Card
- For Business:
Ink Business Preferred® Credit Card
If you’re not able to get a credit card with a $20,000 limit right away, you can usually call your issuer to request a credit limit increase after 6 months of approval. Also, you can always get more total credit by applying for another credit card. However, you should probably wait a year in between applications.
This answer was last updated on 09/12/24 and it was first published on 02/08/21. 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.
- High Initial Credit Limit:
Chase Sapphire Reserve®
Chase Sapphire Reserve®
Learn MoreLearn Moreon issuer's website - Travel Rewards:
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Learn MoreLearn Moreon issuer's website - For Business:
Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card
Learn MoreLearn Moreon issuer's website
- High Initial Credit Limit:
Chase Sapphire Reserve®
- Travel Rewards:
Chase Sapphire Preferred® Card
- For Business:
Ink Business Preferred® Credit Card
If you’re not able to get a credit card with a $20,000 limit right away, you can usually call your issuer to request a credit limit increase after 6 months of approval. Also, you can always get more total credit by applying for another credit card. However, you should probably wait a year in between applications.
2024's Best High Limit Credit Cards
2024's Best High Limit Credit Cards
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Compare Cards
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Christie Matherne, Credit Card Writer
@christie_matherne
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Your best chance at getting a $20,000 limit is with the Chase Sapphire Reserve® card. It has a $10,000 minimum credit limit, but if Chase thinks you can handle a limit that’s twice the minimum amount based on your income and debt, you could be approved for $20k. Just keep in mind that no credit card guarantees a $20,000 minimum credit limit.
In general, you could get approved for a credit card with a $20,000 limit if you have excellent credit, a lot of income, and very little debt.
Notable Credit Cards with the Possibility of a $20,000 Limit
- High Initial Credit Limit:
Chase Sapphire Reserve®
Chase Sapphire Reserve®
Learn MoreLearn Moreon issuer's website - Travel Rewards:
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Learn MoreLearn Moreon issuer's website - For Business:
Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card
Learn MoreLearn Moreon issuer's website
- High Initial Credit Limit:
Chase Sapphire Reserve®
- Travel Rewards:
Chase Sapphire Preferred® Card
- For Business:
Ink Business Preferred® Credit Card
If you’re not able to get a credit card with a $20,000 limit right away, you can usually call your issuer to request a credit limit increase after 6 months of approval. Also, you can always get more total credit by applying for another credit card. However, you should probably wait a year in between applications.
This answer was last updated on 09/05/24 and it was first published on 07/19/24. 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.
- High Initial Credit Limit:
Chase Sapphire Reserve®
Chase Sapphire Reserve®
Learn MoreLearn Moreon issuer's website - Travel Rewards:
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Learn MoreLearn Moreon issuer's website - For Business:
Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card
Learn MoreLearn Moreon issuer's website
- High Initial Credit Limit:
Chase Sapphire Reserve®
- Travel Rewards:
Chase Sapphire Preferred® Card
- For Business:
Ink Business Preferred® Credit Card
If you’re not able to get a credit card with a $20,000 limit right away, you can usually call your issuer to request a credit limit increase after 6 months of approval. Also, you can always get more total credit by applying for another credit card. However, you should probably wait a year in between applications.
People also ask
Can I get a $10,000 credit limit?
Yes, it’s possible to get a $10,000 limit on your credit card, especially if you have good to excellent credit. You will typically need a high income and little to no existing debt to get a limit that high, too.
But even if your credit score is at the low end, there still is a possibility to get a $10,000 limit. In this case, you will probably have to apply for a secured credit card that allows you...
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What's the easiest high limit credit card to get?
One of the easiest high limit credit cards to get is the Citi Double Cash® Card. This card offers a minimum credit limit of $500 and cardholders report getting a starting credit limit as high as $11,500. The Citi Double Cash Card has a $0 annual fee and requires at least fair credit for approval.
Keep in mind that most high limit credit cards require at least bad credit for approval. So, if you’re looking for a card...
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Is $10,000 a high credit card limit?
Yes, $10,000 is a high credit card limit. Generally, a high credit card limit is considered to be $5,000 or more, and you will likely need good or excellent credit, along with a solid income, to get a limit of $10,000 or higher.
Best High-Limit Credit Cards
- Overall:
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Learn MoreLearn Moreon issuer's website - Luxury Perks:
Chase Sapphire Reserve®
Chase Sapphire Reserve®
Learn MoreLearn Moreon issuer's website - Excellent Credit:
TD First Class Visa Signature® Credit Card
TD First Class Visa Signature® Credit Card
Learn MoreLearn More - Airline Rewards:
United Quest℠ Card
United Quest℠ Card
Learn MoreLearn Moreon issuer's website - Hotel Rewards:
The World of Hyatt Credit Card
The World of Hyatt Credit Card
Learn MoreLearn More - Business:
Ink Business Premier® Credit Card
Ink Business Premier® Credit Card
Learn MoreLearn Moreon issuer's website
- Overall:
Chase Sapphire Preferred® Card
- Luxury Perks:
Chase Sapphire Reserve®
- Excellent Credit:
TD First Class Visa Signature® Credit Card
- Airline Rewards:
United Quest℠ Card
- Hotel Rewards:
The World of Hyatt Credit Card
- Business:
Ink Business Premier® Credit Card
You can learn more about the best high-limit credit cards on WalletHub. In addition, remember that even if you start off with a credit limit below $10,000 ,...
read full answer
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