How To Get A High Limit Credit Card
The Ascent's picks for the best high limit credit cards:
Credit limit
Up to $15,000. Highly-qualified applicants have reported approved limits of up to $15,000.
Intro APR
Purchases: 0% Intro APR, 14 months
Balance Transfers: 0% Intro APR, 14 months
Regular APR
11.99% - 22.99% Variable APR
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Includes a robust rewards program and rich sign-up bonus offer that has unlimited upside. Somehow this card also packs in a great intro APR offer for no annual fee. Read Full Review
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- Rotating bonus categories
- Sign-up bonus offer
- Great intro APR offer
- No annual fee
- No foreign transaction fee
- No fixed bonus categories
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- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Redeem cash back in any amount, any time. Rewards never expire.
- Use your rewards at Amazon.com checkout.
- #1 Most Trusted Credit Card according to Investor's Business Daily.
- No annual fee.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Great for: Travel rewards
Credit limit
Up to $50,000. This card has a minimum credit limit of $5,000 and is considered by many travelers as a must have, due to its sign-up bonus, versatility, and premium travel rewards.
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
15.99% - 22.99% Variable
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With a big sign-up bonus, the sky's the limit for this top-rated travel rewards card. Plus, the premium points program for travel and dining make it a no brainer for travel enthusiasts everywhere. Read Full Review
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- Big sign-up bonus
- Travel rewards
- Dining rewards
- Flexible travel points
- Consumer and travel protections
- Has an annual fee
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- 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 Ultimate Rewards®.
- Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Great for: Bonus cash back and no annual fee
Credit limit
Up to $24,000. This card's versatility makes it a leading cash-back credit card that includes robust rewards, a 0% intro APR offer, and no annual fee.
Intro APR
Purchases: 0%, 15 months
Balance Transfers: N/A
Regular APR
14.99% - 24.74% Variable
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Deserves to be top of wallet for many cardholders due to some of the highest cash back rates for essentials, a big sign-up bonus, and no annual fee. Read Full Review
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- Competitive cash back bonus
- Lucrative cash back program
- Travel rewards
- Great intro APR
- No annual fee
- Foreign transaction fee
- No balance transfer offer
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- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 3% cash back on dining at restaurants, including takeout and eligible delivery services
- 3% cash back on drugstore purchases
- 5% cash back on travel purchased through Chase Ultimate Rewards®, and 1% on all other purchases.
- 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99% - 24.74%.
- No annual fee
Great for: Travel rewards
Credit limit
$10,000 minimum. A top travel card issued as a Visa Infinite card, which includes the best Visa perks
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
16.99% - 23.99% Variable
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The sign-up bonus, premium rewards for travel & dining, and wide array of valuable travel credits make this a compelling offer that will offset the cost of the annual fee for many. The array of limited time offers make it even more compelling. Read Full Review
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- Big sign-up bonus
- Travel credits
- Airport lounge access
- Travel and dining rewards
- Flexible travel points
- Has an annual fee
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- Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
- Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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 Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
- With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- 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 for Global Entry or TSA Pre✓®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Credit limit
$5,000 minimum credit limit. Some cardholders have reported limits as high as $58,000.
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
15.99% - 23.99% Variable
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Unlimited 2X miles, TSA Pre✓® credits, and a big sign-up bonus make this credit card one of the best travel companions. Read Full Review
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- Excellent sign-up bonus
- Unlimited miles on every purchase
- Travel credit
- Multiple ways to use miles
- No foreign transaction fee
- Annual fee
- No 0% intro APR offer
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- Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
- Earn unlimited 2X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- No foreign transaction fees
Great for: Students and diverse cash back program
Credit limit
$500 minimum. Student cardholders in online forums have reported securing limits as high as $3,500 for Discover's student cards.
Intro APR
Purchases: 0% Intro APR, 6 months
Balance Transfers: 10.99% Intro APR, 6 months
Regular APR
12.99% - 21.99% Variable APR
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A leading student credit card with a rewards program that goes toe-to-toe with some of the top rewards cards we've come across. Read Full Review
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- Rotating bonus categories
- Great sign-up bonus offer
- No annual fee
- Credit score monitoring
- No fixed bonus categories
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- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
- No annual fee. No late fee on first late payment. No APR change for paying late.
- Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they're approved. Over half a million students got Discover Cards from their friends' recommendations.
- Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies.
- Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Great for: Small businesses
Credit limit
$5,000 minimum. Some cardholders have reported approved credit limits up to $34,000.
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
15.99% - 20.99%, variable
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With a huge sign up bonus and massive on going rewards rate of 3x points per $1 on business essentials this card is a home run for businesses that spend a lot and want to maximize their rewards.
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- Huge sign-up bonus
- Advertising rewards
- Shipping rewards
- Cell phone protection
- Flexible travel points
- Annual fee
- No intro APR offer
- Spending minimum for sign-up bonus
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- Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- 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
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
- 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 Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
The information related to Chase Ink Business Preferred℠ Credit Card has been collected by The Ascent and has not been reviewed or provided by the issuer.
Great for: Building credit
Credit limit
Up to $5,000. This cards high secured credit limit is the standout feature that could justify the small annual fee for the right cardholder.
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
23.99%, variable
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With a large credit line range for a secured card, this is a great choice. It also comes with rental car insurance and free access to your credit score.
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- Big potential credit limit
- No annual fee
- Free credit score
- High APR
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- Credit limit ranges from $300-$5,000 based on deposit.
- The deposit is put in an FDIC-insured savings account that earns interest and won't be touched as long as your account remains open and in good standing.
- Car rental insurance available at no additional cost if you charge the car rental on your card and decline rental company's collision damage waiver option.
- Free TransUnion® Credit Score.
- You are not responsible for unauthorized transactions if your U.S. Bank Secured Visa Card is ever lost or stolen.
Great for: Limited credit history
Credit limit
$5,000 maximum. This card has a minimum credit limit of $500, includes a nice rewards program, and has no annual fee.
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
12.99% - 26.99% Variable
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People with no or limited credit histories will be hard pressed to beat it. The rewards program and lack of fees are clear standouts in the category.
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- No credit history required
- Competitive cash back rewards
- No fees
- Fixed payment due date
- No 0% intro APR offer
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- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- 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
- $500-$10,000 credit limits
- Variable APRs 12.99%-26.99%
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology may help applicants without credit history get approved
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
- See if you're pre-approved within minutes without impacting your credit score
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank, Member FDIC
How To Get A High Limit Credit Card
Source: https://www.fool.com/the-ascent/credit-cards/high-limit-credit-cards/
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