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Are you looking to take your credit game to the next level? High-limit credit cards can be a powerful tool for earning rewards and building credit. But, it’s essential to understand how to qualify for and use them responsibly.
Here are our picks for the best high-limit credit cards, including the inside scoop on how to make the most of them.
Top credit cards with high credit limits
- Chase Sapphire Reserve®: Best for travel rewards
- American Express® Gold Card: Best for no set limit
- Chase Freedom Unlimited®: Best for gas and groceries
- Bank of America® Premium Rewards® Credit Card: Best for everyday purchases
- Discover it® Cash Back: Best for rotating cash back
- Capital One Quicksilver Cash Rewards Credit Card: Best for everyday cash back
- Navy Federal Credit Union Visa Signature® Flagship Rewards Card: Best for low interest and fees
Chase Sapphire Reserve®: Best for travel rewards
The Chase Sapphire Reserve is a top choice if you’re a frequent traveler. You’ll earn elevated rewards on travel booked via the Chase travel portal and travel and dining purchases.
Rewards:
- 10X points on hotel stays, car rentals, and Chase Dining purchases booked through Chase
- 10X points Lyft purchases (through Mar. 31, 2025)
- 5X points on air travel booked through Chase (after earning your $300 travel credit)
- 3X points on restaurant and general travel purchases (after earning your $300 travel credit)
- 1X points on all other purchases
Annual fee: $550
Credit limit: Starts at $10,000
One of the key features of the Sapphire Reserve is its $300 annual travel credit, which is automatically applied to any travel-related purchases. This effectively reduces the card’s $550 annual fee to $250, making it more affordable for frequent travelers.
Other perks include complimentary Priority Pass Select membership for airport lounge access, Global Entry or TSA PreCheck application fee credit, and extensive travel insurance.
The Sapphire Reserve’s credit limit is determined on a case-by-case basis, but most approved applicants report receiving limits of $10,000 or higher.
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American Express® Gold Card: Best for no set limit
The American Express Gold Card has no pre-set spending limit, which means the spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history. Your purchasing power adjusts over time based on payment history and creditworthiness.
Rewards
- 4X points at restaurants (including takeout and delivery in the U.S.) and Uber Eats
- 4X points on U.S. supermarket purchases (on up to $25,000 in supermarket purchases per year, then 1X points)
- 3X points on flights booked directly with airlines or via American Express Travel
- 1X points on all other purchases
Annual fee: $250. See rates and fees.
Credit limit: No preset credit limit
Other perks of the Gold Card include up to $120 in annual dining credits, up to $120 in annual Uber Cash, and no foreign transaction fees. The card has a $250 annual fee, which the credits and rewards can offset if you use them regularly. See rates and fees.
The main drawback of the Gold Card is that it requires you to pay your balance in full each month, which may not be feasible for everyone.
If you have the financial discipline to do so and can take advantage of the card’s rewards, the Amex Gold Card can be a valuable addition to your wallet.
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Chase Freedom Unlimited®: Best for gas and groceries
The Chase Freedom Unlimited card offers elevated cash back on dining and drugstore purchases. But the real standout feature is the boosted cash back in the first year — up to $300 in total cash back.
This makes this an excellent choice for those who spend a lot on gas and groceries. After the first year, you’ll still earn 3% on dining and drugstore purchases and 1.5% on everything else — a solid flat-rate rewards structure.
Rewards
- 5% cash back on Lyft purchases (through March 2025)
- 5% cash back on travel booked through Chase Travel
- 3% cash back on dining at restaurants and on drugstore purchases
- 1.5% cash back on all other purchases
Annual fee: $0
Credit limit: Starts at $500
The Freedom Unlimited also has no annual fee. The card’s credit limit is determined based on your creditworthiness, but many approved applicants report receiving limits of $1,000 or higher.
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Bank of America® Premium Rewards® credit card: Best for everyday purchases
The Bank of America Premium Rewards card is a solid choice for those who want to earn rewards on everyday purchases.
Rewards
- Unlimited 2X points on travel and dining purchases
- Unlimited 1.5X points on all other purchases
Annual fee: $95
Credit limit: Starts at $1,500
This card also offers a $100 annual airline incidental credit for expenses like baggage fees, seat upgrades, and in-flight purchases. You’ll also receive up to $100 in Global Entry or TSA PreCheck application fee credits every four years.
The card’s credit limit is determined based on your creditworthiness, but many applicants report receiving $5,000 or higher limits. Plus, if you’re a Bank of America Preferred Rewards member, you can earn even more rewards on your purchases, making this card an excellent choice for loyal customers.
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Discover it® Cash Back: Best for rotating cash back
The Discover It Cash Back card offers a unique twist on cash back rewards. Each quarter, you’ll earn 5% cash back on rotating categories (up to a limit). In 2024, categories include drug stores, restaurants, gas stations, public transit, and more.
The main drawback is that you’ll need to activate the 5% bonus categories each quarter to earn the higher rate, which can be a hassle.
Rewards
- 5% cash back after activation on rotating categories each quarter (up to $1,500, then 1%)
- 1% for all other purchases
Annual fee: $0
Credit limit: Starts at $500
One of the standout features of the Discover It Cash Back card is its Cashback Match program. At the end of your first year, Discover will match all the cash back you’ve earned, doubling your rewards. This means if you earned $500 in cash back during your first year, Discover will match that for a total of $1,000 in cash back.
The card’s credit limit is determined based on your creditworthiness, but many approved applicants report receiving limits of $1,000 or higher.
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Capital One Quicksilver Cash Rewards Credit Card: Best for everyday cash back
The Capital One Quicksilver is a great option if you’re looking for a straightforward cash back. You’ll earn an unlimited 1.5% cash back on all purchases, with no annual or foreign transaction fees. This makes it an ideal choice for those who want to earn rewards without keeping track of bonus categories or spending limits.
Rewards:
- 5% cash back on hotels and rental cars booked through Capital One Travel
- 1.5% cash back on all purchases
Annual fee: $0
Credit limit: Starts at $750
The Quicksilver Cash Rewards card also offers a $200 cash bonus after spending $500 in the first three months — a solid bonus considering the low spending requirement.
The card’s credit limit is determined based on your creditworthiness, but many approved applicants report receiving limits of $1,000 or higher.
While the Quicksilver card lacks the perks of other high-limit cards, its simplicity makes it a solid way to earn cash back without hassle.
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Navy Federal Credit Union Visa Signature® Flagship Rewards card: Best for low interest and fees
The Navy Federal Credit Union Visa Signature Flagship Rewards Card has lower rates and fees than most cards. It has no balance transfer fees, foreign transfer fees, or cash advance fees. You’ll also get a $100 annual air travel credit for expenses like baggage fees, seat upgrades, and in-flight purchases.
Rewards
- 3X points on travel spending
- 2X points on all other purchases
Annual fee: $49
Credit limit: Starts at $5,000
Other perks of this card include no foreign transaction fees, emergency assistance services, and a 24/7 concierge service.
The card’s credit limit is determined based on your creditworthiness, but many approved applicants report receiving limits as high as $15,000.
This card requires Navy Federal Credit Union membership, which is limited to active duty and retired military members, their families, and certain civilian employees of the Department of Defense. But, if you qualify for membership, the Flagship Rewards card can be an excellent choice for earning travel rewards with low rates and fees.
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What is a high-limit credit card?
Generally, a high-limit card offers a credit limit of $5,000 or more. These cards are often reserved for those with good to excellent credit scores and a solid income.
The most obvious benefit of a credit card with a sky-high limit is that you can borrow more money. A high credit limit can help keep your credit utilization low, which is a key factor in determining your credit score. It can provide more flexibility and purchasing power for larger expenses or emergencies.
As your balance grows, seeking a higher credit limit makes sense. You won’t have to worry about maxing out or paying extra fees for exceeding the limit.
“One of the best strategies is building strong and lasting relationships with the banks,” says Amanda Webster, chief operating officer of Fund&Grow. “The longer you show positive habits, such as paying on time, paying more than the minimum, and keeping your utilization low, the more that bank will trust you as a borrower.”
How to qualify for a high-limit credit card
How do you get your hands on a high-limit card? Here are a few tips:
- Build your credit score: High-limit cards are typically reserved for those with good to excellent credit. Focus on paying your bills on time, keeping your credit utilization low, and avoiding new credit inquiries to boost your score.
- Increase your income: Lenders want to see that you have the means to pay back what you borrow. Increasing your income through a raise, side hustle, or job change can improve your chances of qualifying for a high-limit card.
- Be selective: Applying for too many credit cards in a short period can be a red flag for lenders. Be selective and only apply for cards you have a good chance of being approved.
How to use a high-limit credit card smartly
While high-limit credit cards can offer valuable rewards, using them responsibly is crucial to avoid falling into debt.
- Pay your balance in full each month: High-limit cards often come with high interest rates, so paying your balance in full each month is best to avoid accruing interest charges.
- Keep your credit utilization low: Keeping your credit utilization (the amount of credit you use compared to your total credit limit) low is key to maintaining a good credit score. Aim to keep your utilization below 30%.
- Don’t overspend: Just because you have a high credit limit doesn’t mean you should max out your card. Stick to your budget and only spend what you can afford to pay back.
- Take advantage of rewards and perks: To get the most value out of your high-limit card, ensure you take advantage of all the rewards and perks it offers. This could include using your card for travel purchases to earn bonus points or taking advantage of annual credits and discounts.
Bottom line
High-limit credit cards can be a valuable tool for earning rewards and building credit, but using them responsibly is essential.
Remember to pay your balance in full each month, keep your credit utilization low, and don’t overspend — and you’ll be well on your way to becoming a high-limit card pro.
Opinions expressed are author’s alone, not those of any bank, credit card issuer, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included in the post.
