A high-limit credit card can boost your purchasing power and offer the flexibility to handle a variety of expenses, from large purchases to unexpected emergencies. Our curated list of the best high-limit credit cards can help you find a card that matches your financial needs.
Best for simple cash back: Citi Double Cash® Card — $500 minimum limit
Here’s why: The Citi Double Cash® Card has a minimum credit limit of $500, but you may be able to get a significantly higher limit based on factors like your income and payment history.
Regardless of your approved limit, the $0-annual-fee card offers straightforward and valuable rewards: 2% cash back on all purchases — 1% when you use the card and another 1% when you pay your bill.
Best for bonus cash back: Chase Freedom Unlimited® — $500 minimum limit
Here’s why: The Chase Freedom Unlimited® has a $500 minimum credit limit, but the limit is at least $5,000 if you’re approved for the Visa Signature® version of the card.
The card offers 5% back on travel booked through Chase Travel℠, 3% back on dining at restaurants and drugstore purchases, and 1.5% on all other purchases.
The Chase Freedom Unlimited® has a $0 annual fee.
Best for premium travel: Chase Sapphire Reserve® — $10,000 minimum limit
Here’s why: The Chase Sapphire Reserve® comes with a high minimum credit limit of $10,000, plus tons of valuable perks.
With a large sign-up bonus and elevated rewards on travel and dining, this card is ideal for frequent travelers. Benefits include a $300 annual travel credit and airport lounge access.
With an annual fee of $550, you’ll want to make sure you can take advantage of this card’s suite of perks before you apply.
Best for entry-level travel: Chase Sapphire Preferred® Card — $5,000 minimum limit
Here’s why: Along with impressive rewards, the Chase Sapphire Preferred® Card has a $5,000 minimum credit line.
This card comes with a big welcome bonus, a generous rewards program, annual credits and anniversary bonus points.
The Chase Sapphire Preferred® Card has an annual fee of $95.
Best for rebuilding credit: U.S. Bank Cash+® Secured Visa® Card — $300 to $5,000 limit
Here’s why: With the U.S. Bank Cash+® Secured Visa® Card, you can earn up to 5% cash back on purchases while building or rebuilding your credit.
To open the card, you’ll need to make a refundable deposit between $300 and $5,000 to a U.S. Bank secured savings account. You’ll then get a credit line equal to your deposit.
With enrollment each quarter, you’ll get up to 5% cash back on purchases in eligible categories that you choose.
This card has a $0 annual fee.
Best for students: Discover it® Student Cash Back — $500 minimum limit
Here’s why: Students who qualify for the Discover it® Student Cash Back can get a minimum credit limit of $500 — more than enough to start building a positive credit history.
The card offers 5% back on up to $1,500 spent on purchases (then 1%) in quarterly rotating categories that must be activated. All other purchases earn 1% back.
The card charges a $0 annual fee.