Need a higher credit card limit? (2024)

Table of Contents
Best high limit credit cards of September 2024Show The List [+]Hide The List [-] Chase Freedom Unlimited® Chase Sapphire Preferred® Card Capital One Venture X Rewards Credit Card Chase Freedom Flex® Ink Business Preferred® Credit Card Ink Business Unlimited® Credit Card Chase Sapphire Reserve® Petal® 2 "Cash Back, No Fees" Visa® Credit Card Capital One Venture X Rewards Credit Card Chase Freedom Flex® Chase Sapphire Preferred® Card Chase Freedom Unlimited® Chase Sapphire Reserve® Petal® 2 "Cash Back, No Fees" Visa® Credit Card Best Business Credit Card Expert Reviews Ink Business Unlimited® Credit Card Ink Business Preferred® Credit Card Credit Card Industry Experts Weigh In FAQs

Best high limit credit cards of September 2024

  • Unlimited cash back program:Chase Freedom Unlimited®
  • Travel rewards:Chase Sapphire Preferred® Card
  • Premium travel:Capital One Venture X Rewards Credit Card
  • No annual fee:Chase Freedom Flex®
  • Business travel rewards:Ink Business Preferred® Credit Card
  • Small business card:Ink Business Unlimited® Credit Card
  • Luxury benefits:Chase Sapphire Reserve®
  • Limited credit history:Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Ratings Methodology

Need a higher credit card limit? (1)

Apply Now for Chase Freedom Unlimited®

OnChase'sSecure Website.

Chase Freedom Unlimited®

Great for: Unlimited cash back program

Apply Now for Chase Freedom Unlimited®

OnChase'sSecure Website.

Rating image, 5.00 out of 5 stars.Need a higher credit card limit? (3)Need a higher credit card limit? (4)Need a higher credit card limit? (5)Need a higher credit card limit? (6)Need a higher credit card limit? (7)Need a higher credit card limit? (8)Need a higher credit card limit? (9)Need a higher credit card limit? (10)Need a higher credit card limit? (11)Need a higher credit card limit? (12)

5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Need a higher credit card limit? (13)Need a higher credit card limit? (14)Need a higher credit card limit? (15)Need a higher credit card limit? (16)Need a higher credit card limit? (17) = Best
Need a higher credit card limit? (18)Need a higher credit card limit? (19)Need a higher credit card limit? (20)Need a higher credit card limit? (21) = Excellent
Need a higher credit card limit? (22)Need a higher credit card limit? (23)Need a higher credit card limit? (24) = Good
Need a higher credit card limit? (25)Need a higher credit card limit? (26) = Fair
Need a higher credit card limit? (27) = Poor

Rating image, 5.00 out of 5 stars.Need a higher credit card limit? (28)Need a higher credit card limit? (29)Need a higher credit card limit? (30)Need a higher credit card limit? (31)Need a higher credit card limit? (32)Need a higher credit card limit? (33)Need a higher credit card limit? (34)Need a higher credit card limit? (35)Need a higher credit card limit? (36)Need a higher credit card limit? (37)

5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Need a higher credit card limit? (38)Need a higher credit card limit? (39)Need a higher credit card limit? (40)Need a higher credit card limit? (41)Need a higher credit card limit? (42) = Best
Need a higher credit card limit? (43)Need a higher credit card limit? (44)Need a higher credit card limit? (45)Need a higher credit card limit? (46) = Excellent
Need a higher credit card limit? (47)Need a higher credit card limit? (48)Need a higher credit card limit? (49) = Good
Need a higher credit card limit? (50)Need a higher credit card limit? (51) = Fair
Need a higher credit card limit? (52) = Poor

Credit Score:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Poor

Fair

Good

Excellent

300-579

580-669

670-739

740-850

Apply Now for Chase Freedom Unlimited®

OnChase'sSecure Website.

Credit limit

$500 minimum with user reports of $24,000. Few offers can match the well-rounded feature set of this card's rewards program, intro APR offer, and sign-up bonus.

Credit ScoreFalling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR0% Intro APR on Purchases and Balance Transfers for 15 months

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular APR

20.49% - 29.24% Variable

RewardsEnjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases

1.5% - 5% cash back

Annual FeeN/A

$0

Welcome OfferEarn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

Up to $300 cash back

  • A cash back card that has it all with unlimited 1.5% - 5% cash back rates and an excellent 0% intro APR offer. There's also an innovative sign-up bonus worth up to $300 cash back. With the bonus, you’ll earn 4.5% cash back on dining and drugstores, 6.5% on travel booked through Chase Travel, and 3% on all other purchases (on up to $20,000 spent in the first year). After the bonus, you’ll still earn the regular cash back rates on every purchase.Read Full Review

    • Innovative sign-up bonus
    • Purchase and travel protections
    • Robust rewards program
    • Great intro APR
    • No annual fee
    • Limited bonus opportunities on everyday spending
    • Foreign transaction fee
    • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
    • Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program thatlets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
    • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
    • No minimum to redeem for cash back.You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expireas long as your account is open!
    • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
    • No annual fee –You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
    • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
    • Member FDIC

Chase Sapphire Preferred® Card

Great for: Travel rewards

Apply Now for Chase Sapphire Preferred® Card

OnChase'sSecure Website.

Rating image, 4.50 out of 5 stars.Need a higher credit card limit? (54)Need a higher credit card limit? (55)Need a higher credit card limit? (56)Need a higher credit card limit? (57)Need a higher credit card limit? (58)Need a higher credit card limit? (59)Need a higher credit card limit? (60)Need a higher credit card limit? (61)Need a higher credit card limit? (62)Need a higher credit card limit? (63)

4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Need a higher credit card limit? (64)Need a higher credit card limit? (65)Need a higher credit card limit? (66)Need a higher credit card limit? (67)Need a higher credit card limit? (68) = Best
Need a higher credit card limit? (69)Need a higher credit card limit? (70)Need a higher credit card limit? (71)Need a higher credit card limit? (72) = Excellent
Need a higher credit card limit? (73)Need a higher credit card limit? (74)Need a higher credit card limit? (75) = Good
Need a higher credit card limit? (76)Need a higher credit card limit? (77) = Fair
Need a higher credit card limit? (78) = Poor

Rating image, 4.50 out of 5 stars.Need a higher credit card limit? (79)Need a higher credit card limit? (80)Need a higher credit card limit? (81)Need a higher credit card limit? (82)Need a higher credit card limit? (83)Need a higher credit card limit? (84)Need a higher credit card limit? (85)Need a higher credit card limit? (86)Need a higher credit card limit? (87)Need a higher credit card limit? (88)

4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Need a higher credit card limit? (89)Need a higher credit card limit? (90)Need a higher credit card limit? (91)Need a higher credit card limit? (92)Need a higher credit card limit? (93) = Best
Need a higher credit card limit? (94)Need a higher credit card limit? (95)Need a higher credit card limit? (96)Need a higher credit card limit? (97) = Excellent
Need a higher credit card limit? (98)Need a higher credit card limit? (99)Need a higher credit card limit? (100) = Good
Need a higher credit card limit? (101)Need a higher credit card limit? (102) = Fair
Need a higher credit card limit? (103) = Poor

Credit Score:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Poor

Fair

Good

Excellent

300-579

580-669

670-739

740-850

Apply Now for Chase Sapphire Preferred® Card

OnChase'sSecure Website.

Credit limit

$5,000 minimum with user reports of $50,000. This card is considered by many travelers as a must have, due to its sign-up bonus, versatility, and premium travel rewards.

Credit ScoreFalling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APRN/A

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.49%-28.49% Variable

RewardsEnjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.

5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases

Annual FeeN/A

$95

Welcome OfferEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

60,000 bonus points

  • The enormous welcome bonus (worth $750), bonus travel and dining rewards, and $50 annual hotel credit alone make this card well worth the annual fee. This card’s points are valuable and easy to use, as you can redeem them at 25% more value for Chase Travel bookings, giving it less of a learning curve than other travel cards. It also has a strong list of travel protections you don't see often from such an affordable card, including primary rental car insurance, trip delay reimbursem*nt, lost luggage reimbursem*nt, and trip cancellation/interruption insurance.Read Full Review

    • Big sign-up bonus
    • Travel rewards
    • Dining rewards
    • Flexible travel points
    • Consumer and travel protections
    • Annual fee
    • Limited-time perks
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
    • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
    • Member FDIC

Capital One Venture X Rewards Credit Card

Great for: Premium travel

See Also
Is a $20,000 Credit Limit Good?

Apply Now for Capital One Venture X Rewards Credit Card

OnCapital One'sSecure Website.

Rates & Fees Need a higher credit card limit? (104)

Rating image, 4.50 out of 5 stars.Need a higher credit card limit? (106)Need a higher credit card limit? (107)Need a higher credit card limit? (108)Need a higher credit card limit? (109)Need a higher credit card limit? (110)Need a higher credit card limit? (111)Need a higher credit card limit? (112)Need a higher credit card limit? (113)Need a higher credit card limit? (114)Need a higher credit card limit? (115)

4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Need a higher credit card limit? (116)Need a higher credit card limit? (117)Need a higher credit card limit? (118)Need a higher credit card limit? (119)Need a higher credit card limit? (120) = Best
Need a higher credit card limit? (121)Need a higher credit card limit? (122)Need a higher credit card limit? (123)Need a higher credit card limit? (124) = Excellent
Need a higher credit card limit? (125)Need a higher credit card limit? (126)Need a higher credit card limit? (127) = Good
Need a higher credit card limit? (128)Need a higher credit card limit? (129) = Fair
Need a higher credit card limit? (130) = Poor

Rating image, 4.50 out of 5 stars.Need a higher credit card limit? (131)Need a higher credit card limit? (132)Need a higher credit card limit? (133)Need a higher credit card limit? (134)Need a higher credit card limit? (135)Need a higher credit card limit? (136)Need a higher credit card limit? (137)Need a higher credit card limit? (138)Need a higher credit card limit? (139)Need a higher credit card limit? (140)

4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Need a higher credit card limit? (141)Need a higher credit card limit? (142)Need a higher credit card limit? (143)Need a higher credit card limit? (144)Need a higher credit card limit? (145) = Best
Need a higher credit card limit? (146)Need a higher credit card limit? (147)Need a higher credit card limit? (148)Need a higher credit card limit? (149) = Excellent
Need a higher credit card limit? (150)Need a higher credit card limit? (151)Need a higher credit card limit? (152) = Good
Need a higher credit card limit? (153)Need a higher credit card limit? (154) = Fair
Need a higher credit card limit? (155) = Poor

Credit Score:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Excellent (740-850)

Poor

Fair

Good

Excellent

300-579

580-669

670-739

740-850

Apply Now for Capital One Venture X Rewards Credit Card

OnCapital One'sSecure Website.

Rates & Fees Need a higher credit card limit? (156)

Credit limit

Rare premium travel card with easy-to-use perks. Credit limits determined on a per-person basis.

Credit ScoreFalling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Excellent (740-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.99% - 29.99% (Variable)

RewardsEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

2X-10X miles

Annual Fee

$395

Welcome Offer75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening

75,000 Miles

  • Our favorite premium travel card. Yes, there’s a premium annual fee here, but you get what you might expect from a luxury card, like up to 10X miles on spending through Capital One Travel, a $300 travel credit, experience credits, and a huge welcome bonus.Read Full Review

    • Big travel rewards bonus
    • High rewards rate
    • Travel credits
    • Easy-to-use miles
    • Annual fee
    • Other card issuers have more valuable travel rewards
    • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
    • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
    • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
    • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
    • Earn unlimited 2X miles on all other purchases
    • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
    • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
    • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
    • Receive up to a $100 credit for Global Entry or TSA PreCheck®

Need a higher credit card limit? (157) 2024 Award Winner

Chase Freedom Flex®

Great for: No annual fee

Apply Now for Chase Freedom Flex®

OnChase'sSecure Website.

Rating image, 5.00 out of 5 stars.Need a higher credit card limit? (159)Need a higher credit card limit? (160)Need a higher credit card limit? (161)Need a higher credit card limit? (162)Need a higher credit card limit? (163)Need a higher credit card limit? (164)Need a higher credit card limit? (165)Need a higher credit card limit? (166)Need a higher credit card limit? (167)Need a higher credit card limit? (168)

5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Need a higher credit card limit? (169)Need a higher credit card limit? (170)Need a higher credit card limit? (171)Need a higher credit card limit? (172)Need a higher credit card limit? (173) = Best
Need a higher credit card limit? (174)Need a higher credit card limit? (175)Need a higher credit card limit? (176)Need a higher credit card limit? (177) = Excellent
Need a higher credit card limit? (178)Need a higher credit card limit? (179)Need a higher credit card limit? (180) = Good
Need a higher credit card limit? (181)Need a higher credit card limit? (182) = Fair
Need a higher credit card limit? (183) = Poor

Rating image, 5.00 out of 5 stars.Need a higher credit card limit? (184)Need a higher credit card limit? (185)Need a higher credit card limit? (186)Need a higher credit card limit? (187)Need a higher credit card limit? (188)Need a higher credit card limit? (189)Need a higher credit card limit? (190)Need a higher credit card limit? (191)Need a higher credit card limit? (192)Need a higher credit card limit? (193)

5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Need a higher credit card limit? (194)Need a higher credit card limit? (195)Need a higher credit card limit? (196)Need a higher credit card limit? (197)Need a higher credit card limit? (198) = Best
Need a higher credit card limit? (199)Need a higher credit card limit? (200)Need a higher credit card limit? (201)Need a higher credit card limit? (202) = Excellent
Need a higher credit card limit? (203)Need a higher credit card limit? (204)Need a higher credit card limit? (205) = Good
Need a higher credit card limit? (206)Need a higher credit card limit? (207) = Fair
Need a higher credit card limit? (208) = Poor

Credit Score:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Poor

Fair

Good

Excellent

300-579

580-669

670-739

740-850

Apply Now for Chase Freedom Flex®

OnChase'sSecure Website.

Credit limit

$500 minimum with user reports of $24,000. This card's versatility makes it a leading cash back credit card that includes robust rewards and no annual fee.

Credit ScoreFalling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular APR

20.49%-29.24% Variable

Rewards5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Travel℠, 3% on dining and drugstores, and 1% on all other purchases.

5% cash back offer

Annual FeeN/A

$0

Welcome OfferEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

$200 bonus

  • This Chase card is one of our favorites, and with good reason. You earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, alongside other standout perks (and at least 1% on all purchases). Plus, this one comes without an annual fee and with a generous welcome bonus.Read Full Review

    • Big sign-up bonus
    • Lucrative cash back program
    • Long 0% intro APR
    • No annual fee
    • Purchase and travel protections
    • Foreign transaction fee
    • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
    • 5% cash backon travel purchased through Chase Travel℠, our premier rewards program thatlets you redeem rewards for cash back, travel, gift cards and more
    • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
    • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
    • No annual fee –You won't have to pay an annual fee for all the great features that come with your Freedom Flex® card
    • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
    • Member FDIC

Ink Business Preferred® Credit Card

Great for: Business travel rewards

Apply Now for Ink Business Preferred® Credit Card

OnChase'sSecure Website.

Rating image, 4.50 out of 5 stars.Need a higher credit card limit? (210)Need a higher credit card limit? (211)Need a higher credit card limit? (212)Need a higher credit card limit? (213)Need a higher credit card limit? (214)Need a higher credit card limit? (215)Need a higher credit card limit? (216)Need a higher credit card limit? (217)Need a higher credit card limit? (218)Need a higher credit card limit? (219)

4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Need a higher credit card limit? (220)Need a higher credit card limit? (221)Need a higher credit card limit? (222)Need a higher credit card limit? (223)Need a higher credit card limit? (224) = Best
Need a higher credit card limit? (225)Need a higher credit card limit? (226)Need a higher credit card limit? (227)Need a higher credit card limit? (228) = Excellent
Need a higher credit card limit? (229)Need a higher credit card limit? (230)Need a higher credit card limit? (231) = Good
Need a higher credit card limit? (232)Need a higher credit card limit? (233) = Fair
Need a higher credit card limit? (234) = Poor

Rating image, 4.50 out of 5 stars.Need a higher credit card limit? (235)Need a higher credit card limit? (236)Need a higher credit card limit? (237)Need a higher credit card limit? (238)Need a higher credit card limit? (239)Need a higher credit card limit? (240)Need a higher credit card limit? (241)Need a higher credit card limit? (242)Need a higher credit card limit? (243)Need a higher credit card limit? (244)

4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Need a higher credit card limit? (245)Need a higher credit card limit? (246)Need a higher credit card limit? (247)Need a higher credit card limit? (248)Need a higher credit card limit? (249) = Best
Need a higher credit card limit? (250)Need a higher credit card limit? (251)Need a higher credit card limit? (252)Need a higher credit card limit? (253) = Excellent
Need a higher credit card limit? (254)Need a higher credit card limit? (255)Need a higher credit card limit? (256) = Good
Need a higher credit card limit? (257)Need a higher credit card limit? (258) = Fair
Need a higher credit card limit? (259) = Poor

Credit Score:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Poor

Fair

Good

Excellent

300-579

580-669

670-739

740-850

Apply Now for Ink Business Preferred® Credit Card

OnChase'sSecure Website.

Credit limit

$5,000 minimum with user reports of $100,000. The big sign-up bonus is the clear draw. Not to be overshadowed, the card has one of the leading reward programs in the business card category.

Credit ScoreFalling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APRN/A

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.24%-26.24% Variable

RewardsEarn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.

Earn 3 points per $1 in select business categories

Annual FeeN/A

$95

Welcome OfferEarn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Earn 90,000 bonus points

  • This business card gets you access to the Chase Ultimate Rewards ecosystem, and you'll start with 90,000 Ultimate Rewards points by qualifying for its eye-popping welcome bonus. Earning 3X points per $1 on popular business expenses means you can cover your bills and be generously rewarded in the process.Read Full Review

    • Huge sign-up bonus
    • Advertising rewards
    • Shipping rewards
    • Cell phone protection
    • Flexible travel points
    • Card perks
    • Annual fee
    • No intro APR offer
    • Spending minimum for sign-up bonus
    • Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
    • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
    • Round-the-clock monitoring for unusual credit card purchases
    • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
    • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
    • Points are worth 25% more when you redeem for travel through Chase Travel℠
    • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
    • Member FDIC

Ink Business Unlimited® Credit Card

Great for: Small business card

Apply Now for Ink Business Unlimited® Credit Card

OnChase'sSecure Website.

Rating image, 4.50 out of 5 stars.Need a higher credit card limit? (261)Need a higher credit card limit? (262)Need a higher credit card limit? (263)Need a higher credit card limit? (264)Need a higher credit card limit? (265)Need a higher credit card limit? (266)Need a higher credit card limit? (267)Need a higher credit card limit? (268)Need a higher credit card limit? (269)Need a higher credit card limit? (270)

4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Need a higher credit card limit? (271)Need a higher credit card limit? (272)Need a higher credit card limit? (273)Need a higher credit card limit? (274)Need a higher credit card limit? (275) = Best
Need a higher credit card limit? (276)Need a higher credit card limit? (277)Need a higher credit card limit? (278)Need a higher credit card limit? (279) = Excellent
Need a higher credit card limit? (280)Need a higher credit card limit? (281)Need a higher credit card limit? (282) = Good
Need a higher credit card limit? (283)Need a higher credit card limit? (284) = Fair
Need a higher credit card limit? (285) = Poor

Rating image, 4.50 out of 5 stars.Need a higher credit card limit? (286)Need a higher credit card limit? (287)Need a higher credit card limit? (288)Need a higher credit card limit? (289)Need a higher credit card limit? (290)Need a higher credit card limit? (291)Need a higher credit card limit? (292)Need a higher credit card limit? (293)Need a higher credit card limit? (294)Need a higher credit card limit? (295)

4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Need a higher credit card limit? (296)Need a higher credit card limit? (297)Need a higher credit card limit? (298)Need a higher credit card limit? (299)Need a higher credit card limit? (300) = Best
Need a higher credit card limit? (301)Need a higher credit card limit? (302)Need a higher credit card limit? (303)Need a higher credit card limit? (304) = Excellent
Need a higher credit card limit? (305)Need a higher credit card limit? (306)Need a higher credit card limit? (307) = Good
Need a higher credit card limit? (308)Need a higher credit card limit? (309) = Fair
Need a higher credit card limit? (310) = Poor

Credit Score:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Poor

Fair

Good

Excellent

300-579

580-669

670-739

740-850

Apply Now for Ink Business Unlimited® Credit Card

OnChase'sSecure Website.

Credit limit

$3,000 minimum with user reports of $75,000. While its rewards program and sign-up bonus shouldn't be overlooked, the real standout for this card is its intro APR offer.

Credit ScoreFalling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular APR

18.49% - 24.49% Variable

RewardsEarn unlimited 1.5% cash back on every purchase made for your business

Earn unlimited 1.5% cash back on every purchase

Annual FeeN/A

$0

Welcome OfferEarn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Earn $900 bonus cash back

  • Want to simplify your business credit card rewards? Take a closer look at this Chase card, which lets you earn a flat-rate 1.5% cash back across the board. The $900 cash back welcome bonus only sweetens the deal, and you won't pay an annual fee — or any extra money for cards for your employees.Read Full Review

    • Big cash back sign-up bonus
    • Competitive cash back rate
    • Great intro APR
    • No annual fee
    • Free employee cards
    • No bonus categories
    • Foreign transaction fee
    • Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
    • Earn unlimited 1.5% cash back on every purchase made for your business
    • No Annual Fee
    • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
    • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
    • Round-the-clock monitoring for unusual credit card purchases
    • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
    • 0% introductory APR for 12 months on purchases
    • Member FDIC

Chase Sapphire Reserve®

Great for: Luxury benefits

Apply Now for Chase Sapphire Reserve®

OnChase'sSecure Website.

Rating image, 4.50 out of 5 stars.Need a higher credit card limit? (312)Need a higher credit card limit? (313)Need a higher credit card limit? (314)Need a higher credit card limit? (315)Need a higher credit card limit? (316)Need a higher credit card limit? (317)Need a higher credit card limit? (318)Need a higher credit card limit? (319)Need a higher credit card limit? (320)Need a higher credit card limit? (321)

4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Need a higher credit card limit? (322)Need a higher credit card limit? (323)Need a higher credit card limit? (324)Need a higher credit card limit? (325)Need a higher credit card limit? (326) = Best
Need a higher credit card limit? (327)Need a higher credit card limit? (328)Need a higher credit card limit? (329)Need a higher credit card limit? (330) = Excellent
Need a higher credit card limit? (331)Need a higher credit card limit? (332)Need a higher credit card limit? (333) = Good
Need a higher credit card limit? (334)Need a higher credit card limit? (335) = Fair
Need a higher credit card limit? (336) = Poor

Rating image, 4.50 out of 5 stars.Need a higher credit card limit? (337)Need a higher credit card limit? (338)Need a higher credit card limit? (339)Need a higher credit card limit? (340)Need a higher credit card limit? (341)Need a higher credit card limit? (342)Need a higher credit card limit? (343)Need a higher credit card limit? (344)Need a higher credit card limit? (345)Need a higher credit card limit? (346)

4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Need a higher credit card limit? (347)Need a higher credit card limit? (348)Need a higher credit card limit? (349)Need a higher credit card limit? (350)Need a higher credit card limit? (351) = Best
Need a higher credit card limit? (352)Need a higher credit card limit? (353)Need a higher credit card limit? (354)Need a higher credit card limit? (355) = Excellent
Need a higher credit card limit? (356)Need a higher credit card limit? (357)Need a higher credit card limit? (358) = Good
Need a higher credit card limit? (359)Need a higher credit card limit? (360) = Fair
Need a higher credit card limit? (361) = Poor

Credit Score:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Poor

Fair

Good

Excellent

300-579

580-669

670-739

740-850

Apply Now for Chase Sapphire Reserve®

OnChase'sSecure Website.

Credit limit

$10,000 minimum with user reports of $80,000. A top travel card issued as a Visa Infinite card, which includes the best Visa perks.

Credit ScoreFalling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

22.49%-29.49% Variable

RewardsEarn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

5x points on flights and 10x points on hotels and car rentals through Chase Travel℠.

Annual FeeN/A

$550

Welcome OfferEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

60,000 bonus points

  • All the perks we've come to expect from a top travel card, including a $300 annual travel credit, airport lounge access, and big bonuses on travel and dining. Points are transferable to airline and hotel partners or worth 50% more if you book through Chase Travel. The annual fee is hefty, but if you can use all its features, this card could be well worth the cost.Read Full Review

    • Travel credits
    • Airport lounge access
    • Travel and dining rewards
    • Welcome offer
    • Flexible travel points
    • Annual fee
    • Limited-time benefits
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
    • $300 Annual Travel Credit as reimbursem*nt for travel purchases charged to your card each account anniversary year.
    • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
    • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
    • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Member FDIC

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Great for: Limited credit history

Read Review

Rating image, 4.25 out of 5 stars.Need a higher credit card limit? (363)Need a higher credit card limit? (364)Need a higher credit card limit? (365)Need a higher credit card limit? (366)Need a higher credit card limit? (367)Need a higher credit card limit? (368)Need a higher credit card limit? (369)Need a higher credit card limit? (370)Need a higher credit card limit? (371)Need a higher credit card limit? (372)

4.25/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Need a higher credit card limit? (373)Need a higher credit card limit? (374)Need a higher credit card limit? (375)Need a higher credit card limit? (376)Need a higher credit card limit? (377) = Best
Need a higher credit card limit? (378)Need a higher credit card limit? (379)Need a higher credit card limit? (380)Need a higher credit card limit? (381) = Excellent
Need a higher credit card limit? (382)Need a higher credit card limit? (383)Need a higher credit card limit? (384) = Good
Need a higher credit card limit? (385)Need a higher credit card limit? (386) = Fair
Need a higher credit card limit? (387) = Poor

Rating image, 4.25 out of 5 stars.Need a higher credit card limit? (388)Need a higher credit card limit? (389)Need a higher credit card limit? (390)Need a higher credit card limit? (391)Need a higher credit card limit? (392)Need a higher credit card limit? (393)Need a higher credit card limit? (394)Need a higher credit card limit? (395)Need a higher credit card limit? (396)Need a higher credit card limit? (397)

4.25/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Need a higher credit card limit? (398)Need a higher credit card limit? (399)Need a higher credit card limit? (400)Need a higher credit card limit? (401)Need a higher credit card limit? (402) = Best
Need a higher credit card limit? (403)Need a higher credit card limit? (404)Need a higher credit card limit? (405)Need a higher credit card limit? (406) = Excellent
Need a higher credit card limit? (407)Need a higher credit card limit? (408)Need a higher credit card limit? (409) = Good
Need a higher credit card limit? (410)Need a higher credit card limit? (411) = Fair
Need a higher credit card limit? (412) = Poor

Credit Score:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Fair/New to Credit Under(669)

Poor

Fair

Good

Excellent

300-579

580-669

670-739

740-850

Read Review

Credit limit

Credit limit determined after approval, but previously was a $300 minimum and a $10,000 maximum. This card includes a nice rewards program, and has no annual fee, but its standout feature is that potential approval isn't entirely determined by your credit score.

Credit ScoreFalling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Fair/New to Credit Under(669)

Regular APR

18.24 - 32.24% Variable

Rewards

Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments. 1% cash back on eligible purchases right away. 2% - 10% cash back at select merchants.

  • If you need to build or rebuild credit, pay attention to this card. You qualify based on bank information, rather than credit, and there are no fees of any kind. Best of all, if you pay your monthly bill on time every time, your cash back rate will grow from 1% to 1.5% on purchases over your first year.

    • No credit history required
    • Competitive cash back rewards
    • No fees
    • Fixed payment due date
    • Not for rebuilding credit
    • No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
    • Variable APRs range from 18.24% - 32.24%
    • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
    • 1% cash back on eligible purchases right away
    • 2% - 10% cash back at select merchants
    • $300 - $10,000 credit limits
    • No credit score? No problem. If eligible, we'll create your Cash Score instead.
    • See if you're pre-approved within minutes without impacting your credit score.
    • Build credit alongside hundreds of thousands of Petal card members.
    • Petal reports to all 3 major credit bureaus.
    • No deposits required
    • Card issued by WebBank

Capital One Venture X Rewards Credit Card

Leveraging the High Credit Limit:

  • Estimated credit limit range: Undisclosed
  • Welcome offer: Lucrative 75,000 bonus miles for eligible cardholders
  • Travel rewards with high limit spending:
    • Multiple bonus categories with 5x to 10x miles
    • Unlimited 2x miles on other purchases

With premium perks and a reasonable annual fee, this Visa Infinite travel credit card is a favorite of ours. An annual $300 credit for Capital One Travel bookings and 10,000 bonus miles every account anniversary already more than make up for the annual fee (see rates and fees).

Apply for Capital One Venture X Rewards Credit Card

Chase Freedom Flex®

Leveraging the High Credit Limit:

  • Estimated credit limit range: $500-$15,000
  • Welcome offer: Easily attainable $200 bonus for eligible cardholders
  • Cash back for high limit spending:
    • Multiple cash back categories
    • Rewards do not expire as long as your account is open

Our award winner for Best No Annual Fee Credit Card: Boasting a 0% intro APR for 15 months on purchases and balance transfers, this cash back card is well-suited for high limit spending, without having to pay back your balance immediately.

The terms and conditions provide a minimum starting credit line of $500. Total balance transfer requests can't exceed available credit or $15,000, whichever is lower. But we've gotten reports of credit limits up to $24,000.

Apply for Chase Freedom Flex®

Chase Sapphire Preferred® Card

Leveraging the High Credit Limit:

  • Estimated credit limit range: $5,000-$50,000 based on cardholder reviews and our personal experience
  • Welcome offer: 60,000 bonus points (worth $750 toward Chase Travel bookings) for eligible cardholders
  • Maximize your credit line and earning potential: This card boasts flexible travel rewards and a generous welcome bonus, and might be best suited for travel and dining expenses.

The terms and conditions state that the minimum credit limit for this card is $5,000. They don't specify a maximum, but reports show that it's possible to get a very high limit for the Chase Sapphire Preferred® Card.

Apply for Chase Sapphire Preferred® Card

Chase Freedom Unlimited®

Leveraging the High Credit Limit:

  • Estimated credit limit range: $500-$15,000
  • Welcome offer: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
  • Cash back rewards with a high credit limit
    • Multiple cash back bonus categories (including Chase Travel bookings, dining, and drugstores)
    • Unlimited 1.5% on other purchases
    • Cash back rewards do not expire as long as your account is open

The pricing and terms for this card state that the minimum credit limit is $500 if approved for a Visa Platinum account and $5,000 if approved for a Visa Signature account. In addition, balance transfer requests can't total more than $15,000 or your available credit, whichever is lower. Like its sibling, the Chase Freedom Flex®, this card generally has limits of up to $15,000, although it's possible to get approved for a larger amount.

Apply for Chase Freedom Unlimited®

Chase Sapphire Reserve®

Leveraging the High Credit Limit:

  • Estimated credit limit range: $10,000-$80,000
  • Welcome offer: 60,000 bonus points (worth $900 toward Chase Travel bookings) for eligible cardholders
  • Travel rewards with a high spending limit:
    • More ways to earn with a variety of bonus categories
    • Earn up to 10x points per $1
    • Points do not expire as long as your account is open

The pricing and terms of this Chase card lay out a minimum credit line of $10,000. On the high end, there have been reports of limits up to $80,000.

This Chase travel card is loaded with valuable features, including a $300 annual travel credit, perks with Chase partners, and airport lounge access. Not everyone will be able to get the most out of this card and its high spending limit, but if you can, it can help you save big on travel expenses.

Apply for Chase Sapphire Reserve®

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Leveraging the High Credit Limit:

  • Estimated credit limit range: $300-$10,000
  • Build your credit score: This card is designed first and foremost for building credit, and a high limit can help you maintain lower credit utilization.
  • Cash back rewards with a high credit limit:
    • Earn up to 1.5% on purchases
    • Earn bonus rates of 2% to 10% at select merchants

The Petal website used to provide credit limits for each of its credit cards. When it did, the range for this Petal card was $300 to $10,000. Petal has removed that information, so it's possible that credit limits could now fall outside of that range.

Through the card issuer's Leap program, you can earn a credit limit increase after six months of qualifying on-time payments. Terms apply.

Best Business Credit Card Expert Reviews

Ink Business Unlimited® Credit Card

Leveraging the High Credit Limit:

  • Estimated credit limit range: $3,000-$25,000
  • Welcome offer: Large $900 cash back sign-up bonus for eligible cardholders
  • Business cash back rewards with a high spending limit:
    • Unlimited 1.5% cash back on purchases
    • Cash back rewards do not expire as long as your account is open

In the pricing and terms for this business credit card, Chase specifies that your credit line will be at least $3,000 if approved. While there's no official maximum, the terms also state that Chase may request additional information for credit lines over $25,000. Anecdotally, there have been reports of cardholders with $75,000 limits, but most approved applicants likely end up in the $3,000 to $25,000 range.

The welcome offer for this Chase business card requires substantial spending, and a high credit limit makes it easier to reach that target. If you do, you'll be rewarded with an equally substantial welcome bonus. Making it even better is this card's 0% intro APR on purchases for the first 12 months, giving you time to pay off any large business expenses.

Apply for Ink Business Unlimited® Credit Card

Ink Business Preferred® Credit Card

Leveraging the High Credit Limit:

  • Estimated credit limit range: $5,000-$25,000
  • Welcome offers: Massive sign-up bonus of 90,000 points for eligible cardholders
  • Business rewards points with a high limit:
    • 3X points in several business spending categories
    • 1X points per $1 on other purchases
    • Points do not expire as long as the account is open

This Chase business card has a $5,000 minimum credit limit, according to the pricing and terms. The typical limit range likely goes up to $25,000, as the terms also state that qualifying for a higher limit could require additional information. And some cardholders have reported significantly higher limits -- as high as $100,000.

With most credit cards, a generous credit limit is a nice extra. With this Chase business card, it makes the card significantly more valuable. A high credit limit allows you to more easily spend enough to earn the huge welcome bonus, and you'll also be able to maximize all those useful bonus categories.

Apply for Ink Business Preferred® Credit Card

Credit Card Industry Experts Weigh In

Need a higher credit card limit? (413)

John Ulzheimer

Credit card expert with over 30 years of experience within the credit industry, weighs in on high limit credit cards

John Ulzheimer has worked at FICO, Equifax and Credit.com, is the founder of CreditExpertWitness.com and is the acting president of The Ulzheimer Group. He has been quoted, interviewed and published in the financial media, with over 5.000 media appearances and interviews across nearly every major television, print and online news outlet.

What is a high-limit credit card?

Generally speaking, anything above $10,000 would reasonably be considered a high-limit card. Although, it's not uncommon for credit limits to exceed 20 and 30 thousand dollars, depending on the issuer and the income and credit quality of an applicant.

How does someone get a high-limit credit card?

First off, not all card issuers offer high-limit cards. So, you're going to have to apply with an issuer that does offer higher limits. And, as you can imagine, they don't just give those out to everyone. You have to earn them. The way to do that is to have solid credit scores and an income that justifies the higher limit.

Card issuers are required to consider your ability to pay them when you apply (CARD Act of 2009) so it's more than just a solid credit score. You can also earn higher limits on lower limit cards over a period of several years by using the card responsibly and making your payments on time.

When should someone consider increasing their credit card limit?

Always. If you have the self-control and discipline to not increase your spending simply because you have a higher credit limit, there's really no downside to asking for the higher limit. You'll have more spending power, which may come in handy.

How do high-limit credit cards affect your credit?

They can certainly help your credit scores. Credit scoring models, like FICO's scores, reward consumers who maintain low balances on their cards relative to the credit limits. This is informally referred as the credit utilization ratio, or formally referred to as revolving utilization. It's easier to have lower utilization ratios if you have higher credit limits. Of course, you can also harm your scores if your balances are too high relative to your credit limits, regardless of their amount.

Need a higher credit card limit? (414)

Bola Sokunbi

Financial Education Instructor of the Year (FEIY) weighs in on high limit credit cards

Bola Sokunbi is the author/founder & CEO of Clever Girl Finance. Bola is a 4 times best-selling author of the Clever Finance Book Series and Choosing To Prosper, and she is also a recipient of the Financial Education Instructor of the Year (FEIY) Award. Her mission is to help women ditch debt, save money, and build real wealth.

What is a high limit credit card?

In simple terms, a high limit credit card has higher limits than the average credit card. Your available credit could likely start around $5,000 and could go up to $50,000 or even higher.

When should someone consider increasing their credit card limit?

You can get a higher credit limit to increase your credit score by using it to lower your overall credit utilization ratio (i.e. You'd have a higher ratio of available credit to debt which in turn increases your credit utilization ratio). Another good reason is if you have a large expense coming up. However, you should also have a plan for debt payoff or choose not to carry a balance at all, or you may see negative effects on your credit instead of positive ones.

How do high limit credit cards affect your credit?

As long as you pay off your credit card and don’t carry a balance, the effect over time on your credit should be good. Initially, you may see a hard inquiry to your credit report when you apply, which will temporarily lower your credit score (but not by much). But overall, your credit score will likely improve due to a lower credit card utilization ratio, and you will enjoy the opportunities afforded by a higher credit limit.

How does someone get a high limit credit card?

You can prepare for a high limit credit card by ensuring your credit is good or excellent. A high income may also be a factor, as well as a low debt-to-income ratio. Each card will have its own requirements you’ll need to follow.

Need a higher credit card limit? (415)

Jenn Uhen

Founder, The Pledgettes Financial Community

Jenn Uhen is the founder of The Pledgettes, a personal finance community for women taking an active role in their personal finances. She creates tailored presentations and activations for audiences at events including the International Franchising Association Conference.

What is a high limit credit card?

Credit cards with a limit of $5,000 and above are considered high-limit credit cards. There are some to be reported to have limits over $100,000.

When should someone consider increasing their credit card limit?

Like with any money move, make it intentional. You may want to consider increasing your credit card limit to improve your credit score. An improved credit card score will help you if you plan to: apply for a loan (mortgage, car, or personal loan), need cash to intentional move to a new life chapter, and it may even affect your car insurance premiums. There may also be a reason for using a credit card with 0% interest for a high ticket item if paying in full can get you a discount. I have negotiated medical bills by paying in full early, putting the full amount on a 0% interest card, and paying them off over time but before the 0% interest period is over. Note that this strategy will ding your credit score but I was able to recover those lost point quickly after paying off the total balance and relying on other factors of my credit score.

If you tend to carry a large balance on your credit cards and don’t pay them off in full, having a larger credit limit may tempt you into making some choices that may increase your debt, getting you further away from your Big Financial Goals. You know you best, so set yourself up for success.

How do high limit credit cards affect your credit?

A high-limit credit card can improve your credit score when looking at the Amounts Owed number. Amounts owed looks at the amount you have borrowed (balance on your credit card) compared to your available credit.

Your length of credit history, credit mix, and new credit are also factors in your credit score. I recommend seeing if you can increase your credit limit on your current cards (if you’re happy with them) instead of applying for new cards. Because keeping your longest open credit card will improve your credit score as well as not opening too many new credit cards.

How does someone get a high limit credit card?

If you are looking for a high-limit credit card, I recommend you start where you are.

If you like the perks and fees of your current credit card, call your issuer and ask for an increased limit. They may ask questions or have you complete some paperwork since some things may have changed since your initial application (they certainly would be happy if your income has increased).

If you have a credit card through a bank, walk into your branch (or call) and share that you want to build a relationship with a banker. Share your Big Financial Goals and your financial state. In that conversations they may suggest different products to help you reach your goal, whether it’s a credit card, loan, or HELOC (for homeowners).

Having a conversation is a great opportunity to ask questions and share. You’re also encouraged to get multiple perspectives and ideas as there are seemingly limitless ways to build wealth and hit your Big Financial Goals. Remember your financial journey does not need to be a solo one, so ask questions and normalize money talks.

Need a higher credit card limit? (2024)

FAQs

Need a higher credit card limit? ›

Alternatively, you can call the customer service number on the back of your card and request a credit line increase. Be prepared to explain why you're asking for more credit, and to provide information on your income and housing expenses (rent or mortgage).

Read On ›
How do you get a higher credit card limit? ›

Ask for a raise. Getting a higher credit limit is fairly straightforward, with four primary options available: You can contact your issuer online via the app or online portal, phone customer service, check for an issuer card offer, or apply for a new card that will bump your overall available credit.

Discover More Details ›
How to get a 20k credit card limit? ›

How to Get Approved for a High Limit Credit Card
  1. Improve your credit score. High limit credit cards typically require good or excellent credit. ...
  2. Increase your income and reduce your debt. ...
  3. Apply for a credit card with a high starting limit. ...
  4. Get a credit limit increase.

Continue Reading ›
How can I raise my credit limit without asking? ›

The second way you may get a credit limit increase is if a credit card company increases your limit without a request from you. This typically occurs after you've demonstrated responsible credit habits such as making on-time payments and paying more than the minimum payment required.

See Details ›
Is it okay to request a higher credit limit? ›

Don't ask for more credit too soon

Waiting for your lender or bank to automatically increase your credit limit could be the best option, as it avoids making a request that might negatively impact your credit score.

Find Out More ›
How to get $50,000 credit card limit? ›

To get approved for high-limit credit cards, you'll most likely need to have good or excellent credit and a steady income to support a higher credit limit. Picking the right card is important, too. You may be able to find the minimum starting credit limits listed in some cards' terms and conditions.

Tell Me More ›
Does asking for a credit increase hurt? ›

If the credit increase is not automatic and you actively request it, expect your lender to conduct a hard credit inquiry. While this could temporarily lower your score by a few points, likely no more than 10, the effect is generally short-lived.

Show Me More ›
Is it hard to get a $10,000 credit limit? ›

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.

Explore More ›
How to get a $30,000 credit limit? ›

A good credit limit is around $30,000, as that is the average credit card limit, according to Experian. To get a credit limit this high, you typically need an excellent credit score, a high income, and little to no existing debt.

Continue Reading ›
Is $25,000 a high credit card limit? ›

Chip Lupo, Credit Card Writer

Yes, a $25,000 credit limit is good, as it is above the national average.

Show Me More ›

How do I negotiate a higher credit limit? ›

Tips for requesting a credit limit increase

Typically, you'll need to provide your total annual income, current employment status and monthly mortgage or rent payment. You may need to also provide the amount of the credit limit increase you're requesting. Be prepared to defend your request for a higher limit.

Read The Full Story ›
Does increasing your credit limit hurt your credit? ›

If you request a credit limit increase and your credit card issuer uses a hard inquiry to review your credit, it could temporarily lower your credit scores. If an issuer proactively raises a cardholder's credit limit, it may involve a soft inquiry, which doesn't affect credit scores.

See Details ›
What is a good credit card limit? ›

If you're just starting out, a good credit limit for your first card might be around $1,000. If you have built up a solid credit history, a steady income and a good credit score, your credit limit may increase to $5,000 or $10,000 or more — plenty of credit to ensure you can purchase big ticket items.

Get More Info Here ›
Does Capital One automatically increase credit limit? ›

Receive an automatic credit limit increase

Some Capital One cards, especially those geared toward consumers establishing or building credit, offer the opportunity for an increase after six months of on-time payments.

Continue Reading ›
How much is too much to ask for credit limit increase? ›

Bear in mind that you may not get the full amount requested, and have a contingency plan in place. Typically, the bank will consider increases from 10% to 25% of your current limit. Anything higher could trigger a hard inquiry on your credit report, and that can in turn lower your credit score.

View More ›
How to get a high credit limit? ›

There are several opportune times to request a credit line increase. Graduating from school and entering the workforce is a great time to ask your issuer for a higher limit. Getting a pay raise or transitioning to a new, higher-paying job are also signals that you might qualify for additional credit access.

View Details ›
What determines a high credit limit? ›

A credit limit is usually determined by reviewing factors like credit score, credit history and debt-to-income ratio. A higher credit score and positive credit history may cause a lender to set a higher credit limit. Credit utilization and credit mix also tend to be considered when lenders determine a credit limit.

See More ›
What is the maximum credit card limit you can get? ›

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.

Learn More ›
How to get 100K credit limit? ›

To get a $100K credit limit from a credit card, you'll need to have an excellent credit score, a lot of income and little debt. You will also need to pick a credit card that is known for offering high credit limits to well-qualified applicants.

Discover More Details ›
How much should I ask for a credit limit increase? ›

Decide how much you want to ask for

The typical increase amount is about 10% to 25% of your current limit. Anything further may trigger a hard inquiry on your credit.

Show Me More ›
Top Articles
Take a screenshot on your Mac – Apple Support (UK)
Explore South Korea For Free: Share Your Story And Win A Dream Trip
Automated refuse, recycling for most residences; schedule announced | Lehigh Valley Press
Public Opinion Obituaries Chambersburg Pa
Tmf Saul's Investing Discussions
Farepay Login
Wizard Build Season 28
10 Popular Hair Growth Products Made With Dermatologist-Approved Ingredients to Shop at Amazon
No Hard Feelings Showtimes Near Metropolitan Fiesta 5 Theatre
Words From Cactusi
Displays settings on Mac
3656 Curlew St
Keurig Refillable Pods Walmart
Taylor Swift Seating Chart Nashville
Persona 4 Golden Taotie Fusion Calculator
Meritas Health Patient Portal
“In my day, you were butch or you were femme”
Accuradio Unblocked
Insidekp.kp.org Hrconnect
Michigan cannot fire coach Sherrone Moore for cause for known NCAA violations in sign-stealing case
Me Cojo A Mama Borracha
Walmart stores in 6 states no longer provide single-use bags at checkout: Which states are next?
Welcome to GradeBook
Walgreens Tanque Verde And Catalina Hwy
Evil Dead Rise - Everything You Need To Know
Culver's Flavor Of The Day Taylor Dr
Shiftselect Carolinas
Routing Number For Radiant Credit Union
Relaxed Sneak Animations
Divide Fusion Stretch Hoodie Daunenjacke für Herren | oliv
Ascensionpress Com Login
3 Ways to Drive Employee Engagement with Recognition Programs | UKG
Myaci Benefits Albertsons
FREE Houses! All You Have to Do Is Move Them. - CIRCA Old Houses
Newsday Brains Only
Bratislava | Location, Map, History, Culture, & Facts
Craigslist Com Humboldt
PA lawmakers push to restore Medicaid dental benefits for adults
Obsidian Guard's Skullsplitter
Crystal Mcbooty
Ksu Sturgis Library
The Closest Walmart From My Location
Deshuesadero El Pulpo
Craigslist - Pets for Sale or Adoption in Hawley, PA
2007 Jaguar XK Low Miles for sale - Palm Desert, CA - craigslist
814-747-6702
Child care centers take steps to avoid COVID-19 shutdowns; some require masks for kids
Jigidi Free Jigsaw
Mawal Gameroom Download
How to Get a Check Stub From Money Network
Ark Silica Pearls Gfi
Ff14 Palebloom Kudzu Cloth
Latest Posts
Narcissistic Financial Abuse | Charlie Health
Why does Stash need my Social Security Number?
Article information

Author: Terence Hammes MD

Last Updated:

Views: 6332

Rating: 4.9 / 5 (49 voted)

Reviews: 80% of readers found this page helpful

Author information

Name: Terence Hammes MD

Birthday: 1992-04-11

Address: Suite 408 9446 Mercy Mews, West Roxie, CT 04904

Phone: +50312511349175

Job: Product Consulting Liaison

Hobby: Jogging, Motor sports, Nordic skating, Jigsaw puzzles, Bird watching, Nordic skating, Sculpting

Introduction: My name is Terence Hammes MD, I am a inexpensive, energetic, jolly, faithful, cheerful, proud, rich person who loves writing and wants to share my knowledge and understanding with you.