One of the easiest high limit credit cards to get is the Citi Double Cash® Card. This card offers a minimum credit limit of $500 and cardholders report getting a starting credit limit as high as $11,500. The Citi Double Cash Card has a $0 annual fee and requires at least fair credit for approval.
Keep in mind that most high limit credit cards require at least bad credit for approval. So, if you’re looking for a card with a lower entry bar that offers a high credit limit, you should also consider secured credit cards, such as the OpenSky® Plus Secured Visa® Credit Card. This card’s credit limit is the amount of your security deposit, which is $300 at a minimum, but the issuer allows you to put down up to $3,000. The OpenSky® Plus Secured Visa® Credit Card accepts applicants with bad credit and doesn’t do a credit check when you apply.
Here are the easiest high limit credit cards you can get:
Credit limit: $500 minimum - $11,500 maximum
Ongoing rewards: 2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases), plus 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24
Annual fee: $0
Credit requirement: Fair credit (640+ credit score recommended)
Credit limit: $300 minimum - $3,000 maximum
Ongoing rewards: up to 10% cash back on purchases made with your OpenSky card at 40,000+ retailers
Annual fee: $0
Credit requirement: No Credit
Credit limit: $300 minimum - $10,000 maximum
Ongoing rewards: 1% cash back on all eligible purchases, up to 1.25% back after 6 months of on-time payments, and 1.5% cash back after 12 consecutive months of paying on time
Annual fee: $0
Credit requirement: No Credit
Credit limit: $300 minimum - $5,000 maximum
Ongoing rewards: Not Offered
Annual fee: $0
Credit requirement: Bad credit (300+ credit score recommended)
Keep in mind that only some credit cards list their minimum credit limits in the terms and conditions. With an unsecured credit card, your credit limit will be primarily set by your creditworthiness. So, if you are in the lower end of the spectrum of credit, it is best to aim for a secured credit card as the deposit you put down will generally act as your credit limit.
If you use your credit card responsibly, by making your payments on time and keeping your credit utilization low, you will eventually improve your credit score. This way you will be able to apply for one of the best high limit credit cards on the market.
This answer was first published on 04/08/22 and it was last updated on 03/27/24. 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.
FAQs
Best High Limit Credit Cards of May 2024
Chase Freedom Unlimited®: Best feature: Flexible cash back rewards. Blue Cash Preferred® Card from American Express: Best feature: Bonus cash back at U.S. supermarkets and gas stations. Chase Sapphire Reserve®: Best feature: Travel rewards with an annual travel credit.
What is the best high limit credit card for 2024? ›
Best High Limit Credit Cards of May 2024
Chase Freedom Unlimited®: Best feature: Flexible cash back rewards. Blue Cash Preferred® Card from American Express: Best feature: Bonus cash back at U.S. supermarkets and gas stations. Chase Sapphire Reserve®: Best feature: Travel rewards with an annual travel credit.
What is the easiest card to get approved for with a high limit? ›
One of the easiest high limit credit cards to get is the Citi Double Cash® Card. This card offers a minimum credit limit of $500 and cardholders report getting a starting credit limit as high as $11,500. The Citi Double Cash Card has a $0 annual fee and requires at least fair credit for approval.
Which credit card will give me the highest credit limit? ›
On our list, the card with the highest reported limit is the Chase Sapphire Preferred® Card, which some say offers a $100,000 limit. We've also seen an advertised maximum credit limit of $100,000 on the First Tech Odyssey Rewards™ World Elite Mastercard®, a credit union rewards card.
What is the easiest credit card to get approved for? ›
The Discover it® Secured Credit Card is our top pick for easiest credit card to get because it's geared toward those with limited/poor credit.
Which credit card do most millionaires use? ›
Despite the wealthiest being associated with luxury credit cards and so-called "black cards," Bank of America is the most popular credit card issuer among millionaires.
What is the #1 credit card to have? ›
The best credit card overall is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card in 2024 gives about 1% back. Cardholders can also earn an initial bonus of $200 cash rewards after spending $500...
How to get $50,000 credit card limit? ›
If you have excellent credit, high income and low credit utilization among other variables, issuers may offer you a credit line of $30,000 to $50,000. However, it's possible credit issuers offer a credit limit even higher than that.
Which Bank approves a credit card easily? ›
The Citi Double Cash Card is one of the best cash-back credit cards with no annual fee. Normally, you'd need a good to excellent credit score to be approved for the top credit cards, but you can get the Citi Double Cash Card with fair or average credit.
Which Bank gives the highest credit card limit? ›
The HDFC Regalia credit card stands out not only for its rewards and benefits but also for its substantial credit limit, which can reach up to 5 lakh. Despite its slightly higher annual fee, cardholders receive 2500 reward points upon payment, each valued at 50 paise, effectively offsetting a portion of the expense.
To get a $100K credit limit from a credit card, you'll need to have an excellent credit score, a lot of income and little debt. You will also need to pick a credit card that is known for offering high credit limits to well-qualified applicants.
What is Capital One's highest credit limit? ›
Capital One Venture Rewards Credit Card
Highest reported credit limit: $58,000, according to a member on the myFICO forums. Sign-up bonus: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.
What is a 5 24 rule? ›
What is the 5/24 rule? Many card issuers have criteria for who can qualify for new accounts, but Chase is perhaps the most strict. Chase's 5/24 rule means that you can't be approved for most Chase cards if you've opened five or more personal credit cards (from any card issuer) within the past 24 months.
Which credit card can I get easily? ›
Amazon Pay ICICI Credit Card
To get an Amazon Pay ICICI Credit Card, apply on the Amazon app. It is very easy to get for the beginners. There is no joining fee or annual fee to pay. It is cost-effective.
Which credit card has no credit check guaranteed approval? ›
The easiest credit card to get with bad credit (a credit score of 300-639) is a secured credit card with no credit check such as the OpenSky® Secured Visa® Credit Card or the OpenSky® Plus Secured Visa® Credit Card. This type of card requires a deposit but doesn't check your credit history, making it very easy to get.
What is the second chance credit card? ›
Using a credit card responsibly can help you reestablish your credit. If you're unwilling or unable to pay the deposit to get a secured card, you have another option: A “second-chance” credit card with no security deposit required.
Is $25,000 a high credit card limit? ›
Yes, $25,000 is a high credit card limit.
What is the strongest credit card in the world? ›
What is the most prestigious credit card? One of the world's most prestigious credit cards is the Centurion® Card from American Express*. Though there may be other cards with more elaborate benefits, those cards are kept well under wraps.
Is a $30000 credit card limit good? ›
Adam McCann, Financial Writer
Generally, a high credit card limit is considered to be $5,000 or more, and you will likely need good or excellent credit, along with a solid income, to get a limit of $30,000 or higher.
What are the three top credit cards? ›
Best credit cards of June 2024
- Best for point value: Chase Sapphire Preferred® Card.
- Best for dining and entertainment: Capital One SavorOne Cash Rewards Credit Card.
- Best overall: Wells Fargo Active Cash® Card.
- Best cash back on everyday spending: Blue Cash Everyday® Card from American Express.
Rates & FeesCash Back:Citi Double Cash® CardCiti Double Cash® CardLearn MoreLearn Moreon issuer's website
