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This question is about High Limit Credit Cards
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Maria Adams, Credit Cards Moderator
@m_adams
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The highest credit card limit you can get is over $100,000 according to reports from credit card holders. But like most credit cards in general, even the highest-limit credit cards will only list minimum spending limits in their terms. The best high limit credit cards offer spending limits of $10,000 or more.
In order to get $100,000+ in spending power, you need a lot of assets and income, little debt, and a spotless credit history. Let’s look at some of the most popular offers with high floors and, hopefully, even higher ceilings so you can see for yourself.
Highest Credit Card Limits of 2024
- Chase Sapphire Reserve®: $10,000+ credit limit
- Chase Sapphire Preferred® Card: $5,000+ credit limit
- Wells Fargo Reflect® Card: $1,000+ credit limit
- Wells Fargo Active Cash® Card: $1,000+ credit limit
- Chase Freedom Unlimited®: $500+ credit limit
- Citi Double Cash® Card: $500+ credit limit
Again, keep in mind that most credit cards only disclose minimum credit limits, if that. So, your limit could be a lot higher based on your creditworthiness.
In order to have a better chance of getting the highest credit card limit possible in your situation, you should make sure to always pay bills on time, use 30% or less of your available credit, pay down your debts, save money for the future, and otherwise make good financial decisions.
This answer was first published on 04/19/21 and it was last updated on 11/29/23. 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.
2024's Best High Limit Credit Cards
2024's Best High Limit Credit Cards
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Ajibade Adebiyi Jr, Member
@3pleA2020
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- A lot of cards with high limits usually have an annual fee. In my opinion, exchanging $80-$95 in annual fee for $15k-$20k credit line + rewards is worth it as the rewards you earn will more than offset the annual fee as long as the annual fee isn't too high.
- Also, look for VISA signature or Master Card World Elite cards. They tend to offer higher credit limits as they also require you to spend at least $2k-$3k to earn your rewards.
- Lastly, cards that require excellent credit typically also offers higher credit limits.
This answer was first published on 02/05/21. 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.
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Phyllis B, Member
@phyllisbach
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For a regular one, or business? I mean, you can't really know for sure, but it makes sense the business cards have the highest ones.
This answer was first published on 01/08/18. 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.
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