15 Best High-Limit Credit Cards With $10,000+ Credit Lines (May 2025)

High-limit credit cards start with credit lines of $5,000, but can reach as high as $100,000 for qualifying customers.

I've found these cards essential for managing large purchases and traveling without constantly worrying about maxing out my credit.

When looking for the best high limit credit cards, it's important to know what "high limit" actually means. Generally, any card offering limits above $5,000 falls into this category. In fact, those with excellent credit scores (750+) typically receive average limits around $8,954, while even consumers with credit scores between 640-700 see average limits of $4,735.

The financial flexibility these credit cards with high limits provide goes beyond just making big purchases. Additionally, they can significantly improve your credit score by lowering your credit utilization ratio. For instance, the Chase Sapphire Reserve® offers a minimum credit limit of $10,000 plus a $300 annual travel credit, while the Chase Sapphire Preferred® Card starts at $5,000 but users have reported limits reaching an impressive $100,000.

However, these premium cards often come with annual fees ranging from $95 to $695, depending on the benefits package. Most also require good to excellent credit scores, with cards like the Chase Sapphire Reserve® typically requiring scores between 740-850 for approval.

I've researched and compared the top options to bring you this list of the 15 best high-limit credit cards available in May 2025.

American Express® Gold Card

The American Express® Gold Card features no preset spending limit, with flexibility that adapts based on your purchase, payment, and credit history. Primarily designed for foodies and travelers, this card delivers impressive rewards on dining and grocery purchases.

American Express® Gold Card key features

Cardholders earn 4X points on restaurant purchases worldwide (up to $50,000 per calendar year, then 1X) and 4X points at U.S. supermarkets (up to $25,000 per calendar year, then 1X). Furthermore, the card offers 3X points on flights booked directly with airlines or through Amex Travel, and 2X points on prepaid hotels booked through Amex Travel.

The card provides substantial annual credits totaling over $500 , including:

• $120 Dining Credit ($10 monthly) for Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys.

• $120 Uber Cash ($10 monthly) for Uber rides or Uber Eats.

• $84 Dunkin' Credit ($7 monthly) for U.S. Dunkin' locations.

• $100 Resy Credit ($50 semi-annually) for U.S. Resy restaurants.

  
  

American Express® Gold Card pros and cons

Pros:

• No preset spending limit providing flexible purchasing power.

• Exceptional earning rates for dining and U.S. supermarket purchases.

• Over $500 in annual credits that can offset the annual fee.

• No foreign transaction fees.

  
  

Cons:

• Relatively steep $325 annual fee.

• Monthly credits can be cumbersome to track and utilize.

• Points have highest value when redeemed for travel, making it less ideal for occasional travelers.

• No airport lounge access like some competing premium cards.

  
  

American Express® Gold Card pricing

The annual fee is $325. New cardmembers can earn 60,000 Membership Rewards points after spending $6,000 in the first six months. The card offers no preset spending limit rather than a fixed credit line.

American Express® Gold Card best for

Notwithstanding its annual fee, this card is ideal for food enthusiasts who dine out frequently or cook at home. Overall, it's best suited for those who:

• Spend substantially at restaurants and U.S. supermarkets.

• Travel enough to benefit from points redemption for flights.

• Can utilize the various monthly credits consistently.

• Value flexibility in spending capacity over a rigid credit limit.

  
  

Chase Sapphire Reserve®

The Chase Sapphire Reserve® stands out as a premium travel card with a starting credit limit of at least $10,000. This impressive baseline makes it an excellent option for those seeking substantial purchasing power alongside premium benefits.

Chase Sapphire Reserve® key features

The card's standout feature is its $300 annual travel credit, which automatically applies to a wide range of travel purchases including flights, hotels, taxis, and even toll fees. Notably, cardholders earn 10x points on hotels and car rentals and 5x points on flights purchased through Chase Travel after using the annual travel credit.

Plus, the card offers complimentary access to over 1,300 airport lounges worldwide through Priority Pass™ Select membership. Furthermore, cardholders receive up to $120 credit every four years for Global Entry, TSA PreCheck, or NEXUS application fees.

Chase Sapphire Reserve® pros and cons

Pros:

• Starting credit limit of at least $10,000 (some users report limits up to $90,000)

• 50% more value when redeeming points through Chase Travel

• Comprehensive travel insurance including trip cancelation/interruption coverage up to $10,000 per person

• No foreign transaction fees

  
  

Cons:

• High annual fee of $550

• Additional $75 fee for each authorized user

• Requires excellent credit (typically 740-850) for approval

  
  

Chase Sapphire Reserve® pricing

The card carries a $550 annual fee, though the $300 travel credit effectively reduces this to $250 per year. The current welcome offer includes 60,000 bonus points after spending $5,000 within the first three months, worth $900 toward travel when redeemed through Chase Travel.

Chase Sapphire Reserve® best for

I've found the Chase Sapphire Reserve® ideal for frequent travelers who can maximize its premium benefits. Specifically, it works best for those who:

• Spend at least $300 annually on travel

• Dine out regularly to benefit from 3x points on restaurants

• Value airport lounge access during travels

• Want flexible redemption options including 1:1 point transfers to airline and hotel partners

Considering the minimum $10,000 credit limit, premium travel perks, and strong rewards structure, this card delivers exceptional value for travelers seeking both high spending capacity and premium benefits.

Chase Sapphire Preferred® Card

With a minimum credit limit of $5,000, the Chase Sapphire Preferred® Card offers substantial purchasing power at a moderate annual fee. Unlike its premium counterpart, this card provides excellent value for occasional travelers seeking higher credit limits without premium price tags.

Chase Sapphire Preferred® Card key features

The card earns 5x points on travel purchased through Chase Travel (excluding purchases qualifying for the annual hotel credit), 3x points on dining, select streaming services, and online groceries, and 2x points on other travel purchases. Cardholders receive a $50 annual statement credit for hotel stays booked through Chase Travel. Moreover, at each account anniversary, you'll earn bonus points equal to 10% of your total purchases from the previous year.

Another standout feature is the ability to transfer points to 14 airline and hotel partners at a 1:1 ratio, including United, Southwest, Hyatt, and Marriott.

Chase Sapphire Preferred® Card pros and cons

Pros:

• Minimum $5,000 credit limit with reports of limits reaching up to $100,000

• No foreign transaction fees

• Comprehensive travel protections including trip cancelation/interruption insurance up to $10,000 per person

• 25% more value when redeeming points through Chase Travel

  
  

Cons:

• $95 annual fee

• No airport lounge access

• No TSA PreCheck or Global Entry application fee credits

• Lower reward rates compared to premium travel cards

  
  

Chase Sapphire Preferred® Card pricing

The annual fee is $95. Currently, new applicants can earn 100,000 bonus points after spending $5,000 in the first three months, worth $1,250 toward travel when redeemed through Chase Travel.

Chase Sapphire Preferred® Card best for

This high-limit credit card is ideal for:

• Travelers wanting significant credit line without paying premium annual fees

• Those who dine out frequently and purchase online groceries

• People seeking valuable travel protections like primary rental car insurance

• Credit card users with good to excellent credit scores (typically 670-850)

Based on user data, the average credit limit for cardholders is approximately $15,577, making it an excellent option for those seeking substantial purchasing power.

The Platinum Card® from American Express

Unlike cards with predetermined credit limits, The Platinum Card® from American Express operates with no preset spending limit, making it an excellent choice for those seeking high purchasing power. The average credit limit is approximately $14,781, though your actual spending capacity fluctuates based on income, credit history, and spending patterns.

The Platinum Card® from American Express key features

The Platinum Card® offers an impressive 100,000 Membership Rewards points welcome bonus after spending $8,000 in the first six months. Cardholders earn 5x points on flights booked directly with airlines or through American Express Travel (up to $500,000 annually), plus 5x points on prepaid hotels booked through Amex Travel.

Primarily known for its travel benefits, this card provides access to over 1,400 airport lounges worldwide through the Global Lounge Collection. Furthermore, cardholders receive automatic Gold status with both Marriott Bonvoy and Hilton Honors hotel programs upon enrollment.

The Platinum Card® from American Express pros and cons

Pros:

• No preset spending limit with reported average limits around $14,781

• Extensive airport lounge access including Centurion Lounges

• Statement credits worth over $1,500 annually

• No foreign transaction fees

• Comprehensive travel and purchase protections

  
  

Cons:

• Steep $695 annual fee

• Complex statement credits requiring specific enrollment and usage

• Many benefits are travel-oriented, limiting value for non-travelers

• Rewards structure outside of travel is subpar (1x points)

  
  

The Platinum Card® from American Express pricing

The annual fee is $695. Additional Platinum Cards cost $195 per card for up to three authorized users. No foreign transaction fees apply. The card includes numerous statement credits to offset the annual fee, including:

• $200 airline fee credit (select one qualifying airline)

• $200 hotel credit for Fine Hotels + Resorts or The Hotel Collection bookings

• $200 in Uber Cash ($15 monthly plus $20 bonus in December)

• $240 digital entertainment credit ($20 monthly)

• $100 Saks Fifth Avenue credit ($50 semi-annually)

  
  

The Platinum Card® from American Express best for

This premium card works best for frequent travelers who can maximize the lounge access and travel credits. At the same time, it suits affluent consumers who value luxury travel perks and can utilize the various statement credits. Above all, it's ideal for those seeking flexible spending capacity without a rigid credit limit, coupled with comprehensive travel benefits.

The card requires good to excellent credit (typically 690+) for approval, making it accessible to established credit users seeking premium benefits and high spending power.

Ink Business Preferred® Credit Card

The Ink Business Preferred® Credit Card offers small business owners a minimum credit limit of $5,000, providing substantial purchasing power for various business expenses. Primarily designed for entrepreneurs, this card balances a reasonable annual fee with generous rewards on common business expenditures.

Ink Business Preferred® Credit Card key features

This business card earns 3 points per dollar on the first $150,000 spent annually in combined purchases across several categories: travel, shipping purchases, internet, cable and phone services, and advertising with social media sites and search engines. Thereafter, these purchases earn 1 point per dollar.

The card's welcome bonus is particularly generous—90,000 bonus points after spending $8,000 in the first 3 months. Obviously, these points gain 25% more value when redeemed through Chase Travel℠, making the bonus worth approximately $1,125 toward travel bookings.

Simultaneously, cardholders can transfer points at a 1:1 ratio to 14 airline and hotel partners, including JetBlue, Hyatt, United, and Southwest. Additionally, the card offers comprehensive travel protections, including primary rental car insurance when renting for business purposes.

Ink Business Preferred® Credit Card pros and cons

Pros:

• Potential for higher credit limits through automatic increases or requests.

• Employee cards at no additional cost.

• Cell phone protection up to $1,000 per claim when paying your bill with the card.

• Purchase protection covering new items for 120 days against damage or theft.

• No foreign transaction fees.

  
  

Cons:

• $95 annual fee.

• $8,000 spending requirement within 3 months for welcome bonus.

• 3X points categories capped at $150,000 annually.

• Lower base earning rate (1X) on non-bonus categories.

  
  

Ink Business Preferred® Credit Card pricing

The card carries an annual fee of $95 with a variable APR of 20.24% to 26.24%. Remarkably, you can offset this fee by spending just $3,167 annually on combined 3X rewards categories.

Ink Business Preferred® Credit Card best for

This high-limit credit card works exceptionally well for small business owners with significant spending in the bonus categories. Fundamentally, it's ideal for businesses that:

• Frequently travel for work

• Ship products regularly

• Spend substantially on internet, phone, and cable services

• Invest in social media and search engine advertising

• Need flexible point redemption options including travel

For entrepreneurs seeking both substantial credit limits and valuable rewards on everyday business expenses, this card presents an excellent option with room for credit line growth.

Citi Strata Premier℠ Card

The Citi Strata Premier℠ Card shines with reported credit limits of $10,000 for qualified applicants, making it an attractive option for those needing substantial purchasing power across multiple spending categories. This newly rebranded card (formerly Citi Premier® Card) combines everyday and travel rewards without the premium price tag of many high-limit competitors.

Citi Strata Premier℠ Card key features

Cardholders earn an impressive 10 points per dollar on hotels, car rentals, and attractions booked through CitiTravel.com. Beyond that, the card offers 3 points per dollar on air travel, hotel purchases, restaurants, supermarkets, gas stations, and even electric vehicle charging stations. All other purchases earn 1 point per dollar.

One standout feature is the $100 annual hotel credit for any single stay costing $500+ (excluding taxes and fees) when booked through CitiTravel.com. Furthermore, cardholders benefit from comprehensive travel protections including trip delay coverage, trip cancelation/interruption protection, lost or damaged luggage insurance, and car rental coverage.

The card allows for point transfers to over 15 airline and hotel partners including JetBlue TrueBlue, Virgin Atlantic Flying Club, and Singapore Airlines KrisFlyer with a minimum transfer of just 1,000 points.

Citi Strata Premier℠ Card pros and cons

Pros:

• High rewards rates across multiple everyday categories (3x points)

• No foreign transaction fees

• Valuable welcome bonus worth $600 in gift cards or travel

• Comprehensive travel protections

• Multiple point transfer partners

  
  

Cons:

• Annual fee of $95

• Standard 1x point base earning rate on non-bonus purchases

• Highest earning rates limited to Citi Travel portal bookings

• $100 hotel benefit requires minimum $500 booking

• Limited redemption options outside of travel or gift cards

  
  

Citi Strata Premier℠ Card pricing

The annual fee is $95. New cardholders can earn 60,000 bonus ThankYou® Points after spending $4,000 in the first three months, redeemable for $600 in gift cards or travel rewards. The variable APR ranges from 20.24% to 28.24% based on creditworthiness.

Citi Strata Premier℠ Card best for

Primarily, this card works best for everyday spenders who can maximize its diverse bonus categories. Correspondingly, it's ideal for those who:

• Value earning enhanced rewards on daily purchases like groceries and gas

• Travel occasionally but don't want to pay premium card annual fees

• Appreciate travel protections without the higher cost

• Want flexibility to transfer points to airline partners

• Seek a substantial credit line without excessive annual costs

In particular, the card serves as a versatile middle-ground option, offering high-limit spending capacity with practical rewards for both everyday purchases and travel without the steep fees of premium cards.

Delta SkyMiles® Reserve American Express Card

The Delta SkyMiles® Reserve American Express Card stands as a premium airline-specific option with substantial credit limits, averaging around $23,285 among cardholders. This high-limit card primarily caters to frequent Delta flyers seeking elite status benefits alongside significant purchasing power.

Delta SkyMiles® Reserve American Express Card key features

Cardholders earn 3x miles on Delta purchases and 1x miles on all other eligible purchases. Beyond basic earning rates, this card offers impressive Delta-specific perks including 15 annual Delta Sky Club visits when flying Delta. Furthermore, cardholders receive Centurion Lounge access when flying Delta on a ticket purchased with the card.

A standout feature is the MQD Headstart benefit that automatically provides $2,500 Medallion Qualification Dollars annually toward Delta elite status. Subsequently, cardholders earn $1 MQD for every $10 spent on the card through the MQD Boost feature.

Delta SkyMiles® Reserve American Express Card pros and cons

Pros:

• High average credit limit of $23,285

• Annual companion certificate valid for first class, Delta Comfort+, or main cabin

• Four one-time Sky Club guest passes annually

• Up to $560 in annual statement credits ($200 Delta Stays, $240 Resy, $120 rideshare)

• Complimentary upgrades even for non-Medallion members

  
  

Cons:

• Steep $650 annual fee

• Limited to 15 Sky Club visits unless spending $75,000 annually

• Weaker earning structure compared to general travel cards

• Value diminishes significantly for non-Delta flyers

  
  

Delta SkyMiles® Reserve American Express Card pricing

The annual fee is $650 . Currently, new applicants can earn 70,000 bonus miles after spending $5,000 in the first six months. Given that SkyMiles are valued at approximately 1.2 cents each, this welcome bonus is worth around $840 

Delta SkyMiles® Reserve American Express Card best for

I've found this card ideal for dedicated Delta loyalists who can maximize its airline-specific benefits. Particularly, it works best for:

• Frequent Delta travelers who value airport lounge access

• Those actively pursuing Delta Medallion status

• Cardholders who will use the annual companion certificate for premium cabins

• People who can utilize the various statement credits to offset the annual fee

Considering the high average credit limit and substantial airline benefits, this card represents excellent value for Delta enthusiasts seeking both premium travel perks and significant spending capacity.

Hilton Honors American Express Surpass® Card

With reported credit limits reaching $15,000 for qualified applicants, the Hilton Honors American Express Surpass® Card delivers substantial purchasing power specifically for Hilton loyalists. Despite its moderate annual fee, this card provides impressive hotel-specific benefits alongside considerable spending capacity.

Hilton Honors American Express Surpass® Card key features

The card offers 130,000 Hilton Honors bonus points after spending $3,000 in the first six months of card membership. Cardholders earn an impressive 12x points per dollar on Hilton portfolio purchases, 6x points on dining at U.S. restaurants (including takeout and delivery), U.S. supermarkets, and U.S. gas stations, 4x points on U.S. online retail purchases, and 3x points on all other eligible purchases.

Nevertheless, the standout feature is complimentary Hilton Honors Gold status, which includes valuable benefits such as:

• 80% points bonus on paid stays

• Space-available room upgrades

• Elite rollover nights

• Fifth night free on award stays

• Daily breakfast or food and beverage credit

  
  

Hilton Honors American Express Surpass® Card pros and cons

Pros:

• High reported credit limits up to $15,000

• Up to $200 in annual Hilton statement credits ($50 per quarter)

• Free night reward after spending $15,000 in a calendar year

• Complimentary National Car Rental Emerald Club Executive status

• No foreign transaction fees

  
  

Cons:

• Annual fee of $150

• Credits distributed quarterly, limiting flexibility

• No automatic anniversary free night (must spend to earn)

• Benefits primarily valuable only for Hilton stays

  
  

Hilton Honors American Express Surpass® Card pricing

The card carries a $150 annual fee. Furthermore, according to various reports, the card offers a variable APR of 20.24% to 29.24% on purchases. Consequently, the annual fee can be easily offset by the $200 in Hilton statement credits plus the other benefits for regular Hilton guests.

Hilton Honors American Express Surpass® Card best for

This high-limit card is ideal for:

• Hilton loyalists who stay at properties several times per year

• Those who value complimentary breakfast and room upgrades

• Cardholders who can utilize the quarterly $50 Hilton credits

• People seeking higher credit limits without premium annual fees

• Travelers who can benefit from Hilton Gold status perks

Initially requiring good to excellent credit for approval, this card provides a pathway to even more benefits, including Hilton Diamond status after spending $40,000 in a calendar year.

Capital One Venture X Rewards Credit Card

Credit limit increases are possible every six months with the Capital One Venture X Rewards Credit Card, making it an excellent choice for those seeking expandable purchasing power . This premium travel card combines high credit limits with a relatively modest annual fee compared to other luxury cards.

Capital One Venture X Rewards Credit Card key features

First and foremost, the card offers 75,000 bonus miles after spending $4,000 in the first three months . Cardholders earn 10x miles on hotels and rental cars booked through Capital One Travel, 5x miles on flights and vacation rentals booked through the portal, and a generous 2x miles on all other purchases .

Primarily, the value comes from the $300 annual credit for Capital One Travel bookings and 10,000 anniversary bonus miles each year (worth approximately $185 when transferred to partners). Beyond that, cardholders receive complimentary access to Capital One Lounges and over 1,300 lounges worldwide through Priority Pass for themselves and two guests [23].

Capital One Venture X Rewards Credit Card pros and cons

Pros:

• Credit limit increases possible every six months

• Lower annual fee than competing premium cards

• Unlimited 2x miles earning rate on all purchases

• Free unlimited authorized users who receive most benefits

• No foreign transaction fees

  
  

Cons:

• Highest earning rates restricted to Capital One Travel bookings

• $300 travel credit only valid through Capital One's portal

• Fewer domestic airline transfer partners

• Requires excellent credit score for approval

  
  

Capital One Venture X Rewards Credit Card pricing

The annual fee is $395. The current welcome offer delivers 75,000 bonus miles after spending $4,000 in the first three months, worth approximately $750-$1,388 depending on redemption method [9]. Variable purchase APR ranges from 19.99% to 29.24% [25].

Capital One Venture X Rewards Credit Card best for

This high-limit card works best for frequent travelers who can utilize the annual travel credit and lounge access. Likewise, it suits those who value simplicity with its straightforward earning structure while still wanting premium benefits. Essentially, it's ideal for people seeking a premium travel experience without paying the higher annual fees of competing cards.

Citi® / AAdvantage® Executive World Elite Mastercard®

The Citi® / AAdvantage® Executive World Elite Mastercard® guarantees all approved applicants a minimum credit limit of $5,000 [27], with reported limits frequently reaching $30,000 to $49,500 for creditworthy customers [10]. This makes it an outstanding option for American Airlines loyalists seeking substantial purchasing power combined with premium travel benefits.

Citi® / AAdvantage® Executive World Elite Mastercard® key features

First and foremost, cardholders receive complimentary Admirals Club® membership (valued at up to $850) [6], providing access to nearly 50 Admirals Club lounges and 60+ partner lounges worldwide when flying American or Oneworld partners [12]. The card earns 4x miles per dollar on eligible American Airlines purchases (increasing to 5x miles after spending $150,000 in a calendar year) [28].

In addition, cardholders earn 10x miles per dollar on hotels and car rentals booked through American Airlines [28]. Travelers also enjoy priority check-in, security screening, and boarding privileges, plus the first checked bag free on domestic American Airlines itineraries for themselves and up to eight companions.

Citi® / AAdvantage® Executive World Elite Mastercard® pros and cons

Pros:

• Admirals Club membership ($850 value) for primary cardholder

• Up to $360 in annual statement credits ($120 each for Avis/Budget car rentals, Grubhub, and Lyft)

• No foreign transaction fees

• Loyalty Point bonuses: 10,000 points after reaching 50,000 Loyalty Points and another 10,000 after reaching 90,000 in same qualification year

  
  

Cons:

• Steep $595 annual fee

• $175 annual fee for authorized users (up to three, then $175 each additional user)

• High spending requirement ($7,000 in first 3 months) to earn welcome bonus

• Limited earning potential outside American Airlines purchases

  
  

Citi® / AAdvantage® Executive World Elite Mastercard® pricing

The card carries a $595 annual fee [29]. Currently, new applicants can earn 70,000 AAdvantage bonus miles after spending $7,000 within the first three months [29]. Cardholders also receive up to $120 Global Entry or TSA PreCheck application fee credit every four years [31].

Citi® / AAdvantage® Executive World Elite Mastercard® best for

This airline credit card is ideal for frequent American Airlines travelers who value lounge access and can utilize the various statement credits. It's particularly worthwhile for those actively pursuing AAdvantage elite status through the Loyalty Points system. Ultimately, despite the high annual fee, the combination of premium travel benefits and high credit limits makes this card an excellent choice for dedicated American Airlines customers seeking both travel perks and substantial purchasing power.

United Club℠ Infinite Card

The United Club℠ Infinite Card offers impressive credit lines, with an average of $23,438 among cardholders and reports of limits reaching $75,000 for those with excellent credit. This premium airline card combines substantial purchasing power with a comprehensive suite of United-specific benefits.

United Club℠ Infinite Card key features

The standout benefit is complimentary United Club℠ membership (valued at $750 annually), providing access to all United Club locations worldwide for the primary cardholder and eligible travel companions. Cardholders earn 4x miles on United purchases, 2x miles on dining and all other travel, and 1x mile on all other purchases.

Furthermore, the card offers Premier Access travel services including priority check-in, security screening, boarding, and baggage handling where available. Primary cardholders receive up to $120 credit every four years for Global Entry, TSA PreCheck, or NEXUS application fees.

United Club℠ Infinite Card pros and cons

Pros:

• High average credit limits with reports of $75,000 for qualified applicants.

• Free first and second checked bags for cardholder and companion (up to $360 value per roundtrip).

• Extensive annual credits totaling over $675.

• No foreign transaction fees.

• 25% back on United inflight purchases and Club premium drinks.

  
  

Cons:

• Steep $695 annual fee.

• Miles can only be used on United or partner airlines.

• Credits distributed across multiple partners (rideshare, hotels, car rentals).

• Requires excellent credit for approval (average score 724).

  
  

United Club℠ Infinite Card pricing

The annual fee is $695. New cardholders can earn 90,000 bonus miles after spending $5,000 in the first three months. Nevertheless, the fee is partially offset by over $675 in annual credits, including:

• Up to $200 for Renowned Hotels and Resorts bookings.

• Up to $150 for rideshare purchases.

• Up to $240 in Instacart credits.

• Up to $100 in United travel credits for Avis/Budget rentals.

  
  

United Club℠ Infinite Card best for

This high-limit card is ideal for frequent United flyers who value airport lounge access and premium travel perks. Beyond that, it's perfectly suited for travelers who regularly check bags and can utilize the various statement credits to offset the annual fee. Finally, with its high credit limits, it's excellent for those needing substantial purchasing power alongside premium travel benefits.

Marriott Bonvoy Brilliant® American Express® Card

The Marriott Bonvoy Brilliant® American Express® Card, requiring a good credit score of 700 or better for approval, offers substantial credit limits to qualified applicants. This premium hotel card combines luxury benefits with significant purchasing power for Marriott loyalists.

Marriott Bonvoy Brilliant® American Express® Card key features

Cardholders enjoy complimentary Marriott Bonvoy Platinum Elite status, providing room upgrades (including suites when available), 4 p.m. late checkout, and welcome gifts at check-in. The card earns 6X points on Marriott Bonvoy purchases, 3X points on restaurants worldwide and flights booked directly with airlines, and 2X points on all other eligible purchases.

Indeed, the standout benefit is the annual Free Night Award after your card renewal month, valid for one night at participating properties with redemption levels up to 85,000 points. Furthermore, you receive up to $300 in dining credits annually ($25 monthly) for eligible restaurant purchases worldwide.

Marriott Bonvoy Brilliant® American Express® Card pros and cons

Pros:

• Up to 21X points total at Marriott properties (6X from card, 10X from membership, 5X from Platinum status)

• $100 property credit at Ritz-Carlton or St. Regis hotels on qualifying two-night minimum stays

• Priority Pass™ Select membership with unlimited lounge visits

• No foreign transaction fees

  
  

Cons:

• Steep $650 annual fee

• Monthly dining credits require regular tracking

• Limited value for non-Marriott loyalists

• High spending requirement ($60,000) to earn additional choice benefits

  
  

Marriott Bonvoy Brilliant® American Express® Card pricing

The card carries a $650 annual fee with a variable APR of 20.24% to 29.24%. Currently, new cardmembers can earn 185,000 bonus points after spending $6,000 in the first six months (offer ends 5/14/2025).

Marriott Bonvoy Brilliant® American Express® Card best for

This hotel credit card is best suited for Marriott loyalists who stay frequently at higher-end properties and can maximize elite status benefits. Primarily, it works for travelers who value suite upgrades, complimentary breakfast, and lounge access. Altogether, it's ideal for those who can utilize the various statement credits to offset the high annual fee.

Capital One Spark Cash Plus

The Capital One Spark Cash Plus sets itself apart as a pay-in-full charge card with no preset spending limit, making it particularly valuable for businesses requiring flexible purchasing power. Instead of a fixed credit line, this card adapts to your needs based on spending behavior, payment history, and credit profile.

Capital One Spark Cash Plus key features:

First and foremost, cardholders earn unlimited 2% cash back on every purchase without category restrictions or earning caps. The card offers a substantial welcome bonus structure: $2,000 cash bonus after spending $30,000 in the first three months, plus an additional $2,000 bonus for every $500,000 spent during the first year (which can be earned multiple times).

Beyond cash rewards, cardholders receive 5% cash back on hotels and rental cars booked through Capital One's travel booking site. The card provides various account management tools, including itemized spending reports, purchase records downloadable in QuickBooks® and Excel® formats, and the ability to assign account managers

Capital One Spark Cash Plus pros and cons

Pros:

• No preset spending limit that adapts to business needs.

• Annual fee refund when spending at least $150,000 per year.

• Unlimited 2% cash back without category restrictions.

• Free employee cards and virtual card numbers for online security.

Cons:

• $150 annual fee.

• Pay-in-full requirement (balance due every month).

• Some users report inconsistent purchasing power despite no preset limit.

• Requires excellent credit score (typically 720+) for approval.

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Capital One Spark Cash Plus pricing

The card carries a $150 annual fee that's refunded annually when spending at least $150,000. As a charge card, there's no APR since balances must be paid in full monthly. For cash advances, a fee of 5% of the amount (minimum $5) applies. Late payments trigger a 2.99% fee on the unpaid portion of your minimum payment.

Capital One Spark Cash Plus best for

This card is ideally suited for established businesses with substantial spending needs, consistent cash flow, and excellent credit. Primarily, it works for companies spending at least $150,000 annually who want to maximize cash back without navigating complex reward categories. Businesses valuing flexibility in purchasing power without a rigid credit limit will find this card particularly beneficial, provided they can reliably pay the balance in full each month.

British Airways Visa Signature® Card

The British Airways Visa Signature® Card utilizes a unique Avios points currency system, making it an ideal choice for international travelers seeking substantial purchasing power with relatively low annual costs. This card offers significant value particularly for those who fly British Airways or its partner airlines regularly.

British Airways Visa Signature® Card key features

The current welcome offer includes 85,000 Avios after spending $5,000 within the first three months of account opening. Cardholders earn 3 Avios per dollar on purchases with British Airways, Aer Lingus, Iberia, and LEVEL, 2 Avios per dollar on hotel accommodations booked directly with hotels, and 1 Avios per dollar on all other purchases.

Primarily, what sets this card apart is the 10% discount on British Airways flights departing from the U.S. Furthermore, cardholders receive statement credits up to $600 annually ($100 for economy/premium economy or $200 for business/first class seats) when booking reward flights to London and paying taxes and fees with the card.

Perhaps most valuable is the Travel Together Ticket earned after spending $30,000 in a calendar year, which allows a companion to fly for just the taxes and fees on a British Airways award ticket, or alternatively provides a 50% discount on Avios required for solo travel.

British Airways Visa Signature® Card pros and cons

Pros:

• Annual companion certificate (Travel Together Ticket) after meeting spending requirement.

• Statement credits worth up to $600 annually on award taxes and fees.

• No foreign transaction fees.

• Visa Signature card perks including trip and baggage protection.

  
  

Cons:

• Miles redemption limited to British Airways and Oneworld partners.

• Hefty taxes and fees on British Airways award flights.

• Limited value for those who rarely fly British Airways.

• No priority boarding or free checked bag benefits typical of airline cards.

  
  

British Airways Visa Signature® Card pricing

The card carries a reasonable $95 annual fee. The variable APR ranges from 19.99% to 28.49%. In essence, the annual fee can be easily offset by using the statement credits for award flight taxes and fees or the 10% discount on British Airways flights.

British Airways Visa Signature® Card best for

This airline credit card delivers maximum value for travelers who:

• Fly British Airways or Oneworld alliance partners frequently.

• Can spend $30,000 annually to earn the Travel Together Ticket.

• Book award flights to London at least once per year.

• Want to redeem Avios for partner flights on airlines like American Airlines or Alaska Airlines.

For international travelers who can utilize these benefits, this card provides excellent value despite its modest annual fee.

Capital One Savor Cash Rewards Credit Card

The Capital One Savor Cash Rewards Credit Card offers reported credit limits reaching $30,000 for applicants with credit scores above 800, making it a strong contender among high-limit cards for food and entertainment enthusiasts. Besides its impressive credit limit potential, numerous cardholders report automatic limit increases after consistent on-time payments.

Capital One Savor Cash Rewards Credit Card key features

This no-annual-fee card earns 3% cash back on dining, entertainment, popular streaming services, and grocery store purchases (excluding superstores like Walmart and Target). Additionally, cardholders receive 5% cash back on hotels and rental cars booked through Capital One Travel and an impressive 8% cash back on Capital One Entertainment purchases. All other purchases earn a standard 1% cash back.

New applicants can earn a $200 cash bonus after spending just $500 within three months of account opening. The card also features a 0% intro APR for 15 months on both purchases and balance transfers.

Capital One Savor Cash Rewards Credit Card pros and cons

Pros:

• High reported credit limits up to $30,000

• No annual fee

• No foreign transaction fees

• Generous 3% cash back across multiple everyday categories

• Solid 0% intro APR period

  
  

Cons:

• High regular APR between 19.24% and 29.24% (V)

• Grocery rewards exclude superstores like Walmart and Target

• Requires good to excellent credit for approval

• Limited customer service for fraud issues according to some users

  
  

Capital One Savor Cash Rewards Credit Card pricing

The card has $0 annual fee. The balance transfer fee is 3% for the first 15 months, increasing to 4% at any promotional APR Capital One may offer afterward. Regular variable APR ranges from 19.24% to 29.24%.

Capital One Savor Cash Rewards Credit Card best for

Due to its combination of high credit limits and rewards structure, this card is particularly valuable for:

• Foodies who dine out frequently and want cash back without paying an annual fee

• Entertainment enthusiasts who attend concerts, movies, and sporting events

• Grocery shoppers who don't primarily shop at superstores

• Travelers seeking a no-foreign-transaction-fee card with travel rewards

• Those wanting to maximize value by transferring rewards to a Capital One travel card

Comparison Table

Conclusion

After examining these 15 high-limit credit cards, it's clear that substantial credit lines offer far more than just purchasing power. Undoubtedly, a high credit limit improves your credit utilization ratio while providing financial flexibility for large expenses. Though many premium cards carry annual fees between $95-$695, these costs can be offset by valuable perks tailored to specific spending habits and lifestyles.

When selecting your ideal high-limit card, first consider your primary spending categories. For frequent travelers, the Chase Sapphire Reserve® with its $10,000 minimum limit and comprehensive travel benefits stands out. Similarly, business owners might prefer the Ink Business Preferred® Credit Card with its generous rewards on common business expenses. Meanwhile, everyday spenders seeking substantial credit lines without premium fees could find the Capital One Savor Cash Rewards Credit Card particularly valuable.

Credit score requirements remain an important consideration, as most high-limit cards require scores above 700. Nevertheless, those with excellent credit (750+) typically receive the highest initial limits, with potential increases over time through responsible card management.

I've found that the best approach involves matching your spending patterns with the right card benefits while balancing annual fees against potential rewards. Whether you're looking for travel credit cards, cash back options, business cards, or specialized airline and hotel credit cards, the right high-limit card can significantly enhance your financial flexibility while delivering substantial rewards on your everyday spending.

FAQs

Q1. What credit score is typically required for high-limit credit cards? Most high-limit credit cards require a good to excellent credit score, generally 700 or above. However, for the highest initial limits and best approval odds, a score of 750 or higher is often preferred.

Q2. How can I increase my credit limit on an existing card? You can request a credit limit increase directly from your card issuer, either online or by phone. Consistently making on-time payments, keeping your credit utilization low, and maintaining a good credit score can improve your chances of approval.

Q3. Are high-limit credit cards worth the annual fees? High-limit cards with annual fees can be worth it if you can maximize their benefits and rewards. Consider whether the card's perks, such as travel credits, lounge access, or cash back on specific categories, align with your spending habits and lifestyle.

Q4. What's the difference between a credit card with no preset spending limit and a high-limit card? Cards with no preset spending limit, like some American Express cards, adjust your purchasing power based on your usage, payment history, and credit profile. High-limit cards have a fixed credit line, though it may be increased over time.

Q5. Can business credit cards offer higher limits than personal cards? Yes, business credit cards often offer higher limits than personal cards, as they're designed to accommodate larger business expenses. However, approval and credit limits depend on factors like business revenue, credit history, and personal creditworthiness.