Update: The information below was correct at the time of publishing, but one or more offers are no longer available. Please visit the issuer website for up-to-date information.
Is 2025 the year you officially take your credit card game to the next level? Don’t get us wrong, low-limit credit cards have plenty of benefits. But, high-limit credit cards give you access to serious spending power, rewards, and prestige that just can’t be matched by introductory credit cards. In this article, we’ll explore 7 of some of the best high-limit credit cards for 2025 and discuss how you can help get approved for these cards.
Remember, opening a high-limit credit card can bring plenty of benefits and you’ll be golden as long as you spend within your means.
MoneyLion can help you explore the world of credit cards and find the one that’s perfect for you.
Table of contents
7 Best high-limit credit cards
If we’re being honest – which we always are – there’s no true “best” high-limit credit card. This is because the “best” credit card for you depends on your financial needs, income, and personal preferences.
It’s kind of like how there’s no “best” car. If you commute two hours daily then you’ll want something with good fuel efficiency. But, if you have four kids then you’ll need an SUV. It just depends on your lifestyle.
With this in mind, we’ve listed seven credit cards with high limits for different financial scenarios and needs. Some of the best for high-spenders…best for travel…you get the idea. Let’s dive in.
1. Best for all-around use: Chase Sapphire Preferred
Source: chase.com
If this is your first time dipping your toes into the world of high-limit credit cards then the Chase Sapphire Preferred is a great place to start. This card offers a ton of rewards, an attractive sign-up bonus, flexible spending, and strong protections all for an affordable $95 annual fee.
Credit score needed: 690-850 (Recommended) | Purchases intro APR:None |
|---|---|
Intro bonus:60,000 points after you spend $4,000 on purchases in the first 3 months from account opening | Cash advance fee:$10 or 5% of the amount of each transaction, whichever is greater |
Annual fee:$95 | Balance transfer fee: $5 or 5% of the amount of each transfer, whichever is greater |
Regular APR:20.49%–27.49% variable APR | Foreign transaction fee:None |
Pros
Partnership benefits: $150 in partnership benefits, including free DoorDash DashPass.
Bonus rewards: You get additional points for spending on travel, dining, and some everyday purchases
Rental car insurance: Free primary rental car coverage
Cons
High annual fee: $95 annual fee
Difficult to get approved: Requires good/excellent credit
A complicated points system: Unlocking the full value of this card requires navigating a fairly confusing points system
2. Best for travel rewards: Chase Sapphire Reserve
Source: chase.com
If you’re looking for one of the best high-limit credit cards that can help make that dream trip to Thailand a reality then you’ll want to explore the Chase Sapphire Reserve Credit Card.
The benefits of this card are pretty impressive by themselves. But, it’s the Chase Ultimate Rewards points that hold the real value. Chase points are unique because you can transfer them at a 1:1 ratio to eleven different airlines and three different hotels – a unique selling point that comes in handy when booking trips.
Credit score needed: 720-850 (Recommended) | Purchases intro APR:None |
|---|---|
Intro bonus:60,000 points after you spend $4,000 on purchases in the first 3 months from account opening | Cash advance fee:$10 or 5% of the amount of each transaction, whichever is greater. |
Annual fee:$550 annual fee. $75 for each authorized user | Balance transfer fee:$5 or 5% of the amount of each transfer, whichever is greater |
Regular APR:21.49%–28.49% variable APR | Foreign transaction fee:None |
Pros
Annual travel credit: $300 annual travel credit (Read: free money to travel!)
Airport lounge access: Complimentary access to 1,300+ airport lounges worldwide with up to two guests
No point expiration: Chase Ultimate Rewards points don’t expire
Cons
High annual fee: $550 annual fee
Difficult to get approved: Requires a high credit score for approval
3. Best for cash back: Citi Double Cash Card
Source: citi.com
Free DoorDash and airport lounge access are fun perks. But, what if you’re just looking for simple cashback rewards? If this is the case then you’ll want to consider Citi’s Double Cash Credit Card. As the name implies, this card takes the industry standard 1% cash back and doubles it – allowing you to earn 1% on purchases you make and 1% as you pay for them.
Credit score needed: 670-850 (Recommended) | Purchases intro APR:None |
|---|---|
Intro bonus:$200 cash back after you spend $1,500 on purchases in the first 6 months of opening your card | Cash advance fee:$10 or 5% of the amount of each transaction, whichever is greater |
Annual fee:$0 | Balance transfer fee:3% of each transfer ($5 minimum) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 minimum) |
Regular APR:18.24% – 28.24% Variable APR | Foreign transaction fee:3% |
Pros
No fees: This card does not charge an annual fee
Simple rewards system: Offers an easy way to earn straightforward rewards
Attractive balance transfer rate: Offers a 0% introductory APR for 18 months on balance transfers
Cons
Few extra perks: Lacks major cardholder benefits offered by other credit cards
No introductory rate: This card does not have an introductory APR
4. Best for premium benefits: The Platinum Card from American Express
Source: americanexpress.com
If you’re looking for one of the most prestigious credit cards available then you’ll want to consider The Platinum Credit Card from American Express. With a $695 annual fee, this card isn’t cheap. But, the annual credits this card offers more than pay for the cost of the annual fee. The Platinum Card offers a $200 hotel credit, a $155 Walmart+ membership, $200 in Uber Cash, a $200 airline credit, and $240 for digital entertainment.
For what it’s worth, The Platinum Card will also likely give you the highest credit card limit if you qualify.
Credit score needed: 800-850 (Recommended) | Purchases intro APR:None |
|---|---|
Intro bonus:As much as 175,000 points after you spend $8,000 in purchases on your new card within 6 months | Cash advance fee:$10 or 5% of the cash advance, whichever is greater |
Annual fee:$695 | Balance transfer fee:Balance transfers are not available |
Regular APR:20.24% to 28.24% variable APR | Foreign transaction fee:None |
Pros
Elite lounge access: Access to the Global Lounge Collection, which includes access to the Centurion Network and Delta Sky Club
Extensive credits: $1,500 in total value benefits across entertainment, dining, and travel.
Bonus points: 5X points on flights and prepaid hotels booked through American Express Travel
Cons
High annual fee: $695 annual fee
Rewards are consolidated to flights and hotels: Non-travel purchases earn just 1 point per dollar
5. Best for groceries: American Express Blue Cash Preferred Credit Card
Source: americanexpress.com
Choosing a credit card that offers bonus rewards in your most common spending category can be a smart strategy. For most people, their highest spending category is groceries. The American Express Blue Cash Preferred Credit Card offers an impressive 6% cashback on all grocery store purchases for up to $6,000 per year.
Credit score needed: 670 to 850 (Recommended) | Purchases intro APR:0% intro APR for 12 months |
|---|---|
Intro bonus:As high as $300 cash back after you spend $3,000 in purchases within the first 6 months. | Cash advance fee:$10 or 5% of the cash advance, whichever is greater. |
Annual fee:$0 intro annual fee for the first year, then $95 | Balance transfer fee:$5 or 3% of the balance being transferred, whichever is greater |
Regular APR:Variable APR of 18.24% to 29.24% | Foreign transaction fee:2.7% |
Pros
Serious grocery rewards: 6% cash back on groceries and streaming subscriptions
Above average transportation rewards: 3% cash back on transit expenses and gas stations
Global Assist Hotline: This 24/7 hotline offers emergency assistance when you’re over 100 miles from home, including medical and legal referrals, emergency cash wires, and missing luggage assistance
Cons
High annual fee: $95 annual fee
Capped rewards: Bonus rewards are limited to a certain spending threshold
6. Best for introductory rates: Capital One Venture One Credit Card
Source: capitalone.com
Opening a high-limit credit card can be daunting, especially if you’re nervous about overspending. If you’re nervous about potentially falling behind on your payments then you’ll want to consider the Capital One Venture One Credit Card. This credit card offers a highly attractive 0% APR for 15 months after opening an account.
Credit score needed: 800-850 (Recommended) | Purchases intro APR:0% APR for 15 months after opening your card |
|---|---|
Intro bonus:20,000 bonus miles once you spend $500 on purchases within the first 3 months of opening an account | Cash advance fee:$5 or 5% of the amount of the cash advance, whichever is greater |
Annual fee:$0 | Balance transfer fee:3% balance transfer fee for the first 15 months |
Regular APR:19.24% – 29.24% variable APR | Foreign transaction fee:None |
Pros
Great introductory APR: No interest for 15 months
Capitol One Dining: Access to cardholder-only reservations at award-winning restaurants and tickets to curated culinary events
Unlimited rewards: Unlimited 1.25 miles per dollar on every purchase
Cons
No annual fee: Enjoy good benefits with no fee
Difficult to get approved: requires a high credit score for approval
7. Best for balance transfers: Citi Diamond Preferred Credit Card
Source: citi.com
Opening a high-limit credit card can be a great way to reduce the interest that you’re paying on existing debt. If this is a strategy you’re interested in then you’ll want to explore the Citi Diamond Preferred Credit Card. This card offers an impressive 0% intro APR for 21 months on balance transfers from the date of your first transfer, allowing you to minimize interest charges. This is why it made the list as one of the best high-limit balance transfer cards available.
Credit score needed: 670-850 (Recommended) | Purchases intro APR:0% Intro APR for 12 months on purchases from date of account opening |
|---|---|
Intro bonus:None | Cash advance fee:$10 or 5% of the cash advance, whichever is greater |
Annual fee:$0 | Balance transfer fee:Either $5 or 5% of the amount of each credit card balance transfer, whichever is greater |
Regular APR:variable APR will be 17.24% – 27.99% | Foreign transaction fee:3% |
Pros
No interest on balance transfers: This card does not charge interest for 21 months on balance transfers.
Good spending protection: $0 liability for unauthorized charges
Cons
No rewards program: This card does not have any rewards for spending
High balance transfer fees: A 5 percent balance transfer fee (or $5, whichever is greater) is higher than most other credit cards
What is a high-limit credit card?
A high-limit credit card is a card that lets you spend more money than a standard credit card. A “high limit” on a credit card is a bit subjective and depends on your income and spending levels.
MoneyLion personal finance expert Ryan Peterson states that a “good credit limit should be about 20-30% of your annual income.” For example, if you make $50,000 a year then a good credit limit might be around $10,000 to $15,000. So, a “high” credit limit would be anything higher than 20-30% of your annual income.
If you make $50,000 then a high limit is likely anything over $10,000
If you make $100,000 then a high limit is likely anything over $20,000
If you make $200,000 then a high limit is likely anything over $40,000
Growing your credit limit
Your lender assigns you a “credit limit” when you open a new credit card. This is the total amount you can spend with that credit card and is usually a few hundred to a few thousand dollars. But, if your credit score improves over time then your lender may consider extending your credit limit.
Lenders determine your credit limit based on a number of factors:
Payment history: Do you pay your other credit cards on time? What about your utility bills? What about your mortgage? Consistently paying bills on time helps boost your credit limit.
Existing accounts: What other types of bank accounts, loans, or credit cards do you have? Having multiple accounts can help improve your credit limit (up to a point).
Account history: How long have your accounts been open? The longer the better.
Total Debt: Do you have a mortgage? Outstanding student loan debt? Balances on other credit cards? Having a low debt profile makes you look more attractive to lenders.
Income: How much money do you make annually? And what is your primary source of income? As you might imagine, the higher the better.
If you pay your bills on time, have a consistent income, and low debt levels then your credit score will increase over time. This will improve your chances of your lender extending a higher credit limit on an existing card or getting approved for a new high-limit credit card.
Pros and cons of high-limit credit cards
Opening a high-limit credit card comes with several significant pros and cons.
Pros | Cons |
|---|---|
A higher credit limit allows you to make significant purchases without maxing out your card, adding to your spending flexibility. | A higher credit limit gives you the ability to spend more which can lead to overspending and accumulating significant debt. |
High-limit cards often come with robust rewards programs, allowing you to earn more points, miles, or cash back. | Many high-limit cards come with steep annual fees or additional charges for premium features. |
High-limit cards typically offer extensive perks, like luxury travel benefits. | Carrying a balance on your high-limit card could severely impact your credit score. |
Factors to consider when choosing a high-limit credit card
There are many factors to consider when choosing a high-limit credit card:
Credit score requirement: Your current credit score will limit the types of cards that you’re likely to get approved for. But, your score can always be increased over time.
Type of card: Some cards specialize in a certain spending category while others offer broad, general rewards. Be sure to research the type of card that’s best for you based on your lifestyle and spending habits.
Benefits and rewards: Credit cards offer a range of benefits, outside of traditional points. Thoroughly research different types of credit cards so that know the full extent of the benefits you’ll receive.
Annual fees: Be fully aware of the annual fee that your card charges. Also, remember that not all credit cards charge annual fees.
Introductory offers: While introductory offers can be attractive, they should not be the sole reason that you sign up for a card.
How to get a high-limit credit card
If you’re interested in getting a high-limit credit card then you’ll need to follow a few simple steps.
Check your credit score: This will give you an idea of which cards you might qualify for. You might even want to improve your credit score before you begin applying to cards.
Research your options: This list provides a good starting point for high-limit credit cards. But, there are a lot more cards to consider than just the seven that we listed.
Boost your credit score: If necessary, you may want to try and boost your credit score in the short term. One of the best ways to do this is by paying down any existing credit card debt. Doing this could help improve your chances of getting approved for a new card.
Apply to your favorite credit cards: Once you’ve found your favorite card and paid down any existing debt, go ahead and apply. Most programs will let you know instantly whether or not you’re approved.
Alternatives to high-limit credit cards
High-limit credit cards are not your only option if you’re looking to increase your spending power. In fact, there are a few other options that may be much easier than getting approved for a high-limit card:
✅ Request a credit limit increase: If you already own a credit card then requesting a credit limit increase is usually an easy way to increase your spending power. Most lenders will increase your credit limit fairly often as long as you pay your card on time and meet their general requirements.
✅ Low-limit or secured credit cards: If you’re having trouble getting approved for a high-limit credit card then consider applying for a low-limit or secured credit card. These are often much easier to get approved for.
✅ Personal loans: Personal loans can provide spending flexibility and may be a better option than credit cards if you are just looking for short-term assistance.
MoneyLion offers a service to help you find personal loan offers. Based on the information you provide, you can get matched with offers for up to $50,000 from our top providers. You can compare rates, terms, and fees from different lenders and choose the best offer for you.
✅ Peer-to-peer lending: Peer-to-peer lending platforms offer yet another way to get cash quickly and can sometimes be easier to get approved for than going through a traditional lender.
✅ Credit builder loans: Credit builder loans offer the best of both worlds by typically giving you immediate access to cash while also helping you build credit over the long term.
Is 2025 the Year to Get a High-Limit Credit Card?
Deciding to get a high-limit credit card is a bit like buying a souped-up sports car. Owning a sports car certainly comes with plenty of benefits like fast acceleration, a high-quality speaker system, and a luxurious interior. But, a sports car also requires premium gas which makes it costlier to fill up at the pump. High-limit credit cards are the same way.
If used correctly, high-limit can provide tons of benefits like extra rewards, extreme spending flexibility, and luxurious perks. But, high-limit cards almost always come with an additional cost (an annual fee). As long as your budget is prepared, the extra benefits could be well worth the cost.
But, if you decide to apply for a high-limit credit card then just be sure that it’s the right decision for you. Avoid getting one just so other people will be impressed by your sports car.
We hope that you’ve found this article valuable when it comes to learning about high-limit credit cards!
FAQs
Is it good to have a high credit limit?
Yes, depending on your situation, having a high credit limit can give you greater spending flexibility which can be especially valuable during emergencies.
How much credit limit should I have?
A “good” credit limit is usually about 20-30% of your annual income. For example, if you make $50,000 a year then a good credit limit might be around $10,000 to $15,000.
Why did my credit limit increase automatically?
Many lenders will automatically increase your credit limit if you consistently pay your credit card on time or experience an increase in income.
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