10 Best Credit Cards with High Limits

Practically everyone likes the idea of being able to take advantage of the right credit card. After all, they can come in handy when you find yourself in a situation where you need money for something suddenly, especially if you have a credit card with a high limit.



As a matter of fact, having the right credit card can make all the difference in the world between having the money you need to pay for things that might otherwise be outside of the realm of your normal budget or struggling to take care of the most basic things.

This is especially true if you have something that’s completely unexpected that pops up out of nowhere. There are actually a lot of benefits to having a credit card with a high limit. For starters, it gives you the financial freedom to know that you can cover larger expenses without taking money out of your bank account. That in turn can keep you from inadvertently derailing your budget.


More importantly, learning how to use credit cards with high limits properly can go a long way toward helping you manage your overall finances more effectively and that gives you more spending power in the future.

The question is, which high limit credit cards are the best options for you? Below are 10 you might consider.

10. U.S. Bank Secured VISA Card

Granted, $5,000 may not seem like the highest limit, but it’s certainly not the lowest, either. In fact, it’s a great place to start if you’ve never had a high limit credit card before.

That’s because you have to consider a few things when you’re dealing with a high limit credit card.

The more you charge, the more you’re going to owe every month. Therefore, it’s important to learn how to manage this type of financial freedom effectively before you find yourself in hot water.

A credit card with a $5,000 limit is a good place to start. Even if your credit is not great, you might still get approved for this card, but with a lower credit limit.

In fact, they start some of their customers all the way down at a level of $300, but they typically allow you to build up to a higher limit very quickly, provided you make all of your payments on time.

You can use the card anywhere around the world like you would use any other credit card and there is no annual fee, a huge benefit for any credit card holder.

9. Petal 2 VISA Credit Card


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This card seems to have it all. A $500 credit minimum, a $10,000 maximum and you get it all with no annual fee.

The card even offers 1.5% cash back on everything you buy with it, meaning that you might get a nice little chunk of change back at the end of the year, depending on how much you spend.

8. Chase Freedom Unlimited

This is a great card for anybody with a better than average credit score. It has a high credit limit which varies depending on your score, and it comes with plenty of other benefits as well. For starters, you can get anywhere from 1.5% all the way up to 5% cash back on all of your purchases.

Better still, if you spend $500 within the first 90 days that you have the card, you’ll get $200 of that money back automatically.

7. Citi Double Cash Card


Who doesn’t like the idea of saving money? This is a card that gives you a chance to do exactly that, by giving you cash back on every purchase you make.

The card has no annual fee, a credit limit that is tied directly to your credit score and when you pay off your balance, you get another 1% cash back on all of your purchases. It’s like you’re getting paid money back twice for everything you buy.

The card is only available to those who have a good to excellent credit score, meaning that if you’ve managed your money well in the past and you want a credit card with a high credit limit, this might be the option for you.

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6. Wells Fargo Reflect Card


Like many others on this list, this card offers cash back on your purchases, plus you don’t have to pay an annual fee. For the first year-and-a-half that you have the card, you also don’t have to worry about paying interest charges on any of your purchases. Pay your balance on time every month, and you can extend that to 21 months interest-free.

5. Citi Prestige Card

Here’s a great option for travelers. In fact, it’s one of the best cards out there for people who do a lot of traveling because it is specifically geared toward providing rewards for travelers.

t’s a perfect card to use for all of your airline tickets and hotel reservations because you get cashback on each of those types of purchases.

4. Delta SkyMiles Gold Credit Card


This is a high credit limit card with a lot of other perks as well. The first year, you don’t have to pay an annual fee. After that, the fee is still only $99.

The card offers one of the lower interest rates out there, at 15.74%. Perhaps the best thing about it is that you get miles for all of your purchases. Infact, if you spend $2,000 within the first 90 days that you have the card, the company will give you 70,000 bonus miles you can use on airline tickets.

3. Capital One Venture rewards Credit Card


For a $95 annual fee, you get 2 miles for every dollar that you spend and 5 miles on every dollar if you spend that money on hotel reservations.

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Spend $3,000 within the first 90 days of opening your account, and you’ll get 60,000 bonus miles on the participating airline of your choice.

2. Chase Sapphire Reserve

This card is for someone who travels almost constantly. Spend $4,000 within the first three months and get 50,000 bonus miles. Every time you spend money on hotel reservations, you book a flight or even spend money on dining out, you get points back that count toward miles. In fact, you can use this card specifically for those things and get enough miles that you might not ever have to pay for another airline ticket again.

1. Chase Sapphire Preferred Card

Use this card for all of your traveling and entertainment needs and get rewards towards hotels, flights or even cash back. You even get 60,000 points as a bonus when you spend $4,000 the first three months after opening your account.

Whether you pursue a credit card option from this list or not, it’s important to do your own research to determine which is the most beneficial credit card for you

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