Best High Limit Credit Cards Of September 2024

As a Visa Signature card, the Chase Sapphire Preferred® Card offers credit lines starting at $5,000, but with the right qualifications, an applicant can see a much larger credit line.

Why We Like It

The Chase Sapphire Preferred offers some of the best travel rewards around, with a sizable welcome bonus, bonus rewards on several everyday spending categories and flexible redemption options.

While you can get good value using your rewards for cash back and gift cards, you’ll get 25% more if you use your points to book travel through the Chase Travel℠ portal. Alternatively, you can transfer your points to one of several airline and hotel loyalty program partners, potentially giving you even more value.

Other perks include up to $50 in credits toward hotel stays booked through Chase Travel each account anniversary year, as well as trip cancellation/interruption insurance, primary auto rental collision damage waiver, purchase protection, extended warranty protection, baggage delay insurance and trip delay reimbursement among other benefits.

What We Don’t Like

The card’s base rewards rate is low, so it could make sense to pair it with another Ultimate Rewards® card, such as the Chase Freedom Unlimited®, to maximize your rewards.

Also, to get higher redemption rates on travel, you have to go through Chase’s travel portal, or transfer to partners, which can be limiting.

Who It’s Best For

People looking to earn solid travel rewards without paying a high annual fee should seriously consider this card.

Credit limits depend on Capital One’s evaluation of your ability to pay, but as a Visa Infinite card that requires excellent credit, a high line of credit is absolutely possible.

Why We Like It

The Capital One Venture X Rewards Credit Card (rates & fees) doesn’t come cheap, but it does come packed with travel benefits and perks. You’ll earn a minimum of 2 miles per dollar on every purchase, and when it comes to redemption, you’ll get more flexibility than most travel credit cards.

The card also offers premium perks, including a $300 annual travel credit for bookings through Capital One Travel and 10,000 bonus miles (equal to $100 toward travel) every year starting on the first anniversary.

The Capital One Lounge and Priority Pass Lounge access are great, too, though the Capital One Lounge system is fairly new and has limited locations so far. The TSA PreCheck® or Global Entry reimbursement credit and over a dozen travel loyalty program transfer options are also great perks.

What We Don’t Like

While the card makes it easy to offset its steep annual fee each year, it’s still an out-of-pocket expense you’ll need to budget for.

What’s more, the main way to earn bonus rewards is to book through the Capital One Travel portal. If you want to earn accelerated rewards on other top spending categories, you may need to consider another card.

Who It’s Best For

Travelers who want great rewards and premium benefits without the eye-watering annual fees of other premium credit cards will love the staying power of this card.

Amex’s no preset spending limit terms means that The Platinum Card® from American Express (terms apply, see rates & fees) will adapt your spending limits based on your purchases, payment and credit history.

Why We Like It

Although it has a sizable annual fee, the card provides plenty of benefits for those who can fully utilize them. Travelers can take advantage of elite status with Hilton and Marriott (with enrollment), rental car privileges with Avis, Hertz and National (with enrollment), airport lounge access, savings on select airfare through the International Airlines Program, travel insurance and protections¹ and no foreign transaction fees. There are generous statement credits, too. Earn up to $200 in credits toward Fine Hotels and Resorts or The Hotel Collection (terms apply), another $200 toward qualifying airline incidentals (with enrollment) and credits toward CLEAR® Plus and Global Entry or TSA Precheck® application fees.

While the travel benefits are the headliners, there are lifestyle credits and benefits, too. Take advantage of credits for select Walmart+, Equinox, Saks Fifth Avenue and digital entertainment purchases plus monthly Uber Cash (enrollment required for select benefits). American Express also offers return protection², purchase protection² and cellphone protection¹ among the benefits on this card.

What We Don’t Like

While the card has no shortage of benefits, it can feel like you need a graduate degree in card perks to maximize many of them.

What’s more, the card’s rewards program may leave you wanting. The card offers no bonus rewards on everyday spending categories, and most redemption options with Amex give you less than 1 cent per point in value—your best bet is to transfer your rewards to other programs.

Who It’s Best For

The Platinum Card will appeal to people who can afford the card’s sky-high annual fee and want to prioritize premium travel and lifestyle perks.

The American Express® Gold Card doesn’t come with a preset spending limit* (terms apply, see rates & fees). While that sounds ambiguous, it may provide enough spending power for the occasional large purchase, even if you don’t regularly need a high credit limit.

Why We Like It

In addition to strong rewards on restaurant and U.S. supermarket purchases, the card also offers great credits for foodies. Each month, you can earn up to $10 in statement credits for select dining purchases charged to the card (enrollment required).

You can also enjoy up to $10 in monthly Uber Cash, valid on rideshares or Uber Eats charges when you add your card to your Uber account, as well as up to $7 in monthly credits toward Dunkin’ purchases and up to $100 each year on dining reservations made through Resy. Enrollment is required for select benefits.

What We Don’t Like

The card’s annual fee is approaching premium territory but it doesn’t offer any premium travel perks. Also, bonus rewards on both restaurant and U.S. supermarket purchases are capped each year, which may be disappointing for big spenders.

Finally, the card’s base rewards rate is low, and redemption value is limited unless you transfer your points to one of Amex’s many airline and hotel loyalty program partners.

Who It’s Best For

Foodies who can make the most of the card’s dining-related perks should consider adding this card to their wallets.

Your credit limit with the Wells Fargo Reflect® Card will depend on several factors, but we’ve seen online reports of some sizable limits. What’s more, the card issuer doesn’t set a hard limit on balance transfers (regardless of your limit) like some others do.

Why We Like It

The card offers one of the longest intro APR offers currently available: 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. A 18.24%, 24.74%, or 29.99% variable APR applies thereafter. Balance transfers made within 120 days qualify for the intro APR and a balance transfer fee of 5%, min $5 applies.

You’ll also be able to earn limited cash-back rewards through the My Wells Fargo Deals program and get up to $600 in cell phone protection (subject to a $25 deductible).

What We Don’t Like

While you can earn rewards with select merchants through My Wells Fargo Deals, the card doesn’t offer ongoing rewards on all purchases, limiting its value once the introductory APR period expires.

Who It’s Best For

This card’s perks could benefit people who want to prioritize interest savings on one or more large expenses or high-interest credit card debt.

As a premium hotel credit card, we’ve seen some massive credit limits with the Hilton Honors Aspire Card from American Express*. It’s also a no-brainer if you’re a frequent traveler and prefer Hilton hotels and resorts.

Why We Like It

The card makes it easy to rack up points fast with a strong welcome bonus and high rewards rates on everyday spending. You’ll also get a suite of premium perks, including Hilton Diamond status, which is the highest tier of elite status in the Hilton Honors program.

Other benefits include an annual free night reward good for most Hilton properties around the world, plus the chance to earn two more, up to $400 annually in credits toward purchases with Hilton Resorts, up to $200 in-flight credits each year, an annual credit toward a CLEAR® Plus membership, elite status with National Car Rental and a slew of trip insurance protections.

What We Don’t Like

Redemption flexibility is limited with hotel rewards programs, and Hilton is no exception. Unless you’re willing to go all-in on the Hilton Honors program, the card may not be the right fit.

Also, like The Platinum Card® from American Express (terms apply), the Hilton Aspire Card requires you to jump through hoops to maximize some of its perks, which can be frustrating for people who don’t travel often.

Who It’s Best For

Frequent travelers and Hilton loyalists who want premium hotel and other travel perks would make the most of this card.

The Wells Fargo Active Cash® Card offers a minimum credit line of $1,000, but you could get much more if you have a strong credit history and income. It also includes a 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% variable APR applies. Balance transfers made within 120 days qualify for the intro rate and fee of 3% (min. $5) then a fee of up to 5% (min. $5) applies.

Why We Like It

The card offers a high flat rewards rate on every purchase you make, so you don’t have to keep track of various bonus categories. The intro APR offer on both purchases and qualifying balance transfers is a solid benefit as well.

Other notable perks include additional cash-back offers through My Wells Fargo Deals and cell phone protection.

What We Don’t Like

If you’re looking to maximize your rewards on some of your top spending categories, the Wells Fargo Active Cash® Card may not be the right choice for you.

Who It’s Best For

People who prefer a simple and flexible cash-back rewards program will reap the benefits of this card’s earning structure and intro APR.

The United℠ Explorer Card‘s minimum credit limit is lower, starting at $5,000, but applicants with excellent credit and income may see much higher limits. For a modest annual fee, you’ll also enjoy solid benefits with United.

Why We Like It

The card offers a strong welcome bonus, plus several valuable perks that set it apart from other mid-tier airline cards.

For starters, you’ll get two one-time United Club passes annually, free upgrades on award flights for MileagePlus Premier status holders and credit toward an application fee for Global Entry, TSA PreCheck® or NEXUS. Additionally, you and one companion on the same reservation will get a free first checked bags on United flights, and you’ll also enjoy 25% off in-flight purchase and priority boarding.

As a Visa Signature card, it also includes primary auto rental insurance, baggage and trip delay insurance, trip cancellation/interruption insurance and purchase protection.

What We Don’t Like

Like hotel rewards, airline miles are somewhat limited in their redemption flexibility. If you don’t regularly fly with United Airlines, you may not be able to make the most of the card’s benefits.

What’s more, the card’s rewards rates aren’t particularly impressive, giving you double miles only on United purchases, dining and hotel stays.

Who It’s Best For

This card would be most useful to people who frequently fly with United.

The Petal® 2 “Cash Back, No Fees” Visa® Credit Card*, issued by WebBank, offers credit limits of up to $10,000, and you don’t even need a credit history to get approved. The card issuer also evaluates your cash flow to determine your eligibility and credit limit.

Why We Like It

The Petal 2 Card doesn’t charge fees and offers a solid rewards rate on every purchase if you use your card responsibly. You’ll also enjoy up to 10% cash back with select merchant offers.

If you don’t start out with a high credit limit, you can join the Leap program and get a credit line increase in as little as six months with on-time payments and responsible credit habits.

What We Don’t Like

If you have poor credit, you may not be eligible for the card—though you could still qualify for the Petal® 1 “No Annual Fee” Visa® Credit Card*, which offers credit limits of up to $5,000.

Additionally, you must make a minimum of 12 on-time payments to qualify for the card’s highest rewards rate. Finally, be wary of carrying a balance on the card, as the APR can be higher than many starter credit cards.

Who It’s Best For

People who are new to credit but generally manage their finances well and have a strong cash flow should consider the Petal 2 Visa.