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Best High Limit Credit Cards

High limit credit cards are usually reserved for people with good or excellent credit (some cards are from WalletHub partners). As a rule of thumb, you should be able to get a $5,000 limit if you have good credit and a $10,000 limit with excellent credit. But that’s not a given. And your credit standing isn’t the only factor that affects your ability to get a high credit limit credit card.Affordability plays a big role, too. In other words, will you be able to afford a high spending limit, given your income, assets and existing debt obligations? And this explains why many credit cards for people with good or excellent credit have minimum starting credit limits as low as $500, or even $250.

Best High Limit Credit Cards List

USAA Secured Card® American Express®

The USAA Secured Card® American Express® offers people with poor credit the chance to rebuild their credit. Like all secured cards, a deposit is required to establish the credit limit. For this card, the deposit can be from $250 to $5,000.If you’re looking for similar cards, there is also a Visa version of the card that’s very similar called the USAA Secured Card® Platinum Visa®. Other than being on different card networks, the cards only have a few differences in benefits, which you can read about in our review of both cards.

Discover it® Secured Credit Card

The Discover it Secured Credit Card is one of the better secured cards on the market. This card reports to all 3 credit bureaus, so as long as you use it responsibly it will help you improve your credit.You’ll get a great amount of cash back for a secured card, especially because Discover will double what you earn after your first year. There’s no annual fee, and you’ll be able to check your FICO® Credit Score any time you’d like to see how you’re improving.Insider Tip: Discover now offers a free credit monitoring service to anyone, even if you’re not a cardholder.

BankAmericard® Secured Credit Card

The BankAmericard® Secured Credit Card lives up to its name. Not only does it help cardholders establish and restore their credit, but it also provides added security for shopping and banking online.A minimum deposit of $300 is required to open this account. The maximum credit line, $4900, is determined by your income, the amount of the security deposit, and your ability to pay. After 12 months, you may get your security deposit back if your account is reviewed.

Wells Fargo Secured Visa Card

The Wells Fargo Secured Card can help you get back on your feet and reestablish a healthy credit score. Your credit line is equivalent to your security deposit. You will need to provide a minimum security deposit of $300, up to $10,000.

Discover it® for Students

The Discover it® for Students is designed to help young people build credit. Student credit cards are made for people with limited or no credit, providing a way to start building a positive credit history.Like the Discover it®, the student version comes with an appealing absence of fees and abundance of rewards. It offers 5% cash back on a variety of categories that rotate throughout the year, including gas stations, restaurants, and only that, Discover will double the cash back you earn in your first year of use. That means you’ll effectively get 10% back on those purchases, and that’s one of the best deals available on any credit card.The extra benefits are pretty basic for the most part and they might come in useful, like shopping and travel protections. But you’ll also get a $20 annual reward for getting good grades — you’ll need a 3.0 GPA to get that. And you can also check your FICO 8 Credit Score any time you’d like, for free.

Chase Slate

The Chase Slate is designed for balance transfers. It doesn’t earn any rewards.

Cash Back Credit Cards

Town Bank Cash Back American Express Card

  • Earn 1.5% cash back on purchases
  • Receive a statement credit automatically every time you earn $25 in cash back
  • Rewards earned never expire!
  • A one-time $50 automatic statement credit when you spend $500 in the first 3 billing cycles
  • No Annual Fee

Discover it® - Cashback Match™ Credit Card

  • New! Free Social Security Number alerts, we%u2019ll monitor thousands of risky websites when you sign up.*
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you%u2019ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations,, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Cashback Rewards Plus American Express® Card

  • Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined. After that, earn 1% for the remainder of the year.
  • Earn 2% cash back on your first $3,000 on supermarket purchases per year. After that, earn 1% for the remainder of the year.
  • Unlimited 1% cash back on all other purchases.
  • Enjoy no foreign transaction fees when you travel outside of the United States

Citizens Bank Cash Back Plus™ World MasterCard

  • Unlimited 1.5% cash back on every purchase with no rotating categories or enrollments to keep track of
  • 10% Purchase Bonus on your earned cash back rewards when you make at least one purchase every month for six consecutive months or more
  • 10% Relationship Bonus on your earned cash back rewards and Purchase Bonus when you direct deposit them in a Citizens Bank personal checking, savings or money market account
  • Take advantage of both bonuses to earn 1.8% cash back
  • 0% introductory APR on balance transfers for 12 billing cycles, thereafter a 14.99%, 17.99% or 20.99%, variable APR based on your creditworthiness
  • Variable purchase APR of 14.99%, 17.99% or 20.99% applies from account opening based on your creditworthiness
  • No annual fee*
  • No foreign transaction fees
  • No penalty APR for late payments
  • Extended Warranty Protection doubles the original manufacturer%u2019s or store brand warranty for up to two years
  • Price Protection for 120 days from purchase
  • Concierge Services
  • Trip Cancellation Insurance
  • Trip Interruption Insurance
  • MasterRental Insurance for collision, loss or damage
  • Zero Liability Protection against unauthorized purchases
  • Travel accident and baggage delay insurance
  • 24/7 online account management
  • Make purchases using Apple Pay%u2122 in-store and in-app with participating merchants
  • Up to 21-day grace period on all purchases
  • Balances count toward Circle Gold checking monthly combined balance
  • Year-end summary statement

Cashback Visa Signature Credit Card

  • Earn $50 bonus credit after you spend $1,000 on purchases in the first 3 months from account opening*
  • Earn 1.25% cash back with no annual fee
  • 0% Intro APR for 12 months on purchases and balance transfers. A variable APR of 13.49%, 17.49%, or 21.49% will apply based on creditworthiness after the introductory period ends. Balance Transfer fee is 3% of the amount transferred with a minimum of $5*
  • No Foreign Transaction Fees
  • EMV Chip enabled to enhance security and ease of use internationally

What is the best high-limit credit card?

The best high-limit credit card is one that you will be approved for, has a good sign-up bonus and earns rewards. The specific card will depend on your spending habits and what you are looking to get out of the card.

If you are planning on carrying a balance, than the interest rate is an important consideration. Keep in mind paying interest takes away from the value of any rewards you might earn. If you plan on using the card to finance a large purchase, look for a 0% promotional interest rate. If you want to consolidate debt, look for a promotional rate for balance transfers and be sure to consider the balance transfer fee.

If you travel often, some high-limit credit cards come with unprecedented travel perks and other benefits. Many of these cards may come with a hefty annual fee, but for many the benefits are worth it. Many times, the value of benefits can far outweigh even the highest of annual fees. Consider things liked free checked bags, free lounge access, companion airline tickets and travel credits.

Other cardholder benefits may include things like price protection and extended warranty service, which can be especially important when you are about to drop a large sum of money on one item.

Why you need a high limit credit card?

There are two pretty good reasons to seek a credit card with a high limit.

If you put as much of your monthly expenses on a credit card as you can (and you should so you can earn the rewards) and you have many expenses that you can pay off each month, you should look to a high-limit card. Second — and this actually works in tandem with the first reason — getting a high-limit card could actually help your credit score.

Credit utilization, one of the things mentioned above that influences issuers’ decision on how big your credit line will be, is a huge factor in your credit score. The less credit you use as a percentage of the credit available to you, the better as far as your score goes. Grab a big credit line and use only a small portion of it each month, and it could help boost your score.

Which type of high-limit credit card should I target?

If you’re targeting a high-limit credit card, you’re probably someone who regularly spends a lot on your card and could benefit from a lucrative rewards credit card.

Cash back and travel rewards are two popular types of rewards credit cards. Cash back cards offer you a set percentage of cash back from purchases you make.

Travel rewards cards earn you points or miles that you can redeem for travel, whether through an airline frequent-flyer program, an issuer-specific rewards portal such as Chase Ultimate Rewards® or as a credit applied to your statement.

To figure out which card to apply for, consider where you spend your money and how you might want to redeem your rewards. Many high-limit credit cards often come with bonus perks, such as airport lounge access to a fee credit for Global Entry or TSA Pre✓®.

Selection criteria: what makes a great high limit credit card?

A high credit limit: Credit limits of about $10,000 are usually considered to be high.

Enough spending capacity: Whatever it is you’re buying, your credit limits should be high enough to accommodate your typical and expected spending habits.

An appropriate rewards program: It’s nice to earn cash back or points for the types of purchases you make the most.

Reasonable fees: You may need to pay an annual fee for the card you want, but there are quite a few no annual fee cards that can provide high limits as well.

Good extra benefits: If you’re spending a lot of money with your card it makes sense to be covered by purchase and travel protections, as well as cost-saving perks and travel credits.

How to get your maximum limit?

Other factors than your credit score -- such as income and debt -- determine your credit line and here's how to ensure you are approved for the biggest credit card limit:

1.) Keep your credit utilization low -- The less debt you have the better. Card issuers want to minimize their risk when lending you money. Your debt divided by available credit (known as credit utilization) is one factor that can help improve your chances of securing a higher limit.

2.) Pay bills on time -- Paying bills on time signals to issuers that you can be trusted to manage debt balances smartly. Again, the less you are perceived as a lending risk to issuers the better your chances to get a high credit limit.

3.) Increase your income -- The higher your income the greater your potential credit limit.

If you're not happy with your current credit cards' limits, you have some options. You might, obviously, apply for a card with a higher limit right now. You might also plan to do that, but wait for some months or a year, while you increase your credit score. That's because you often need a high credit score in order to qualify for the best credit cards. And the higher your score, the higher your credit limit will tend to be, too.

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Best High Limit Credit Cards Tips

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