Best high-limit credit cards of July 2024
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
BLUEPRINT
Updated 9:11 a.m. UTC July 25, 2024
Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy.
Getting approval for a credit card with a high limit can feel like a badge of honor. These cards usually require good credit, so not everyone will qualify. But if you do get approved, you can be rewarded with valuable travel perks or competitive cash-back rates. We did the research to assemble a list of the best high-limit credit cards for 2024.
Best high-limit credit cards
- Best overall: Alliant Cashback Visa® Signature Credit Card *
- Best for dining rewards: American Express® Gold Card
- Best for welcome offer: The Platinum Card® from American Express
- Best for digital wallet users: U.S. Bank Altitude® Reserve Visa Infinite® Card *
- Best for travel rewards: Capital One Venture X Rewards Credit Card *
Why trust our credit card experts
Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 270+ cards analyzed.
- 5+ data points considered.
- 5-step fact-checking process.
Best overall
Alliant Cashback Visa® Signature Credit Card
*The information for the Alliant Cashback Visa® Signature Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Best for dining rewards
American Express® Gold Card
Best for welcome offer
The Platinum Card® from American Express
Best for digital wallet users
U.S. Bank Altitude® Reserve Visa Infinite® Card
*The information for the U.S. Bank Altitude® Reserve Visa Infinite® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Best for travel rewards
Capital One Venture X Rewards Credit Card
*The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Compare the best high-limit credit cards
N/A
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.
Earn 50,000 bonus points after spending $4,500 in the first 90 days of account opening.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
The information for the Alliant Cashback Visa® Signature Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
This card checks a lot of boxes. Unlike many other high-limit cards, the Alliant Cashback Visa® Signature Credit Card * The information for the Alliant Cashback Visa® Signature Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. has no annual fee and the regular APR is well below the other cards on this list. While the minimum credit limit is not disclosed for this card, it’s likely higher than other credit unions and there is no overlimit fee.
Alliant’s Cashback Visa Signature card also earns you cash back for every dollar you spend. Alliant members who maintain an average daily balance of $1,000 or more in their High-Rate Checking account, have at least one direct deposit post to their account each calendar month and opt in to receive eStatements can earn 2.5% cash back on up to $10,000 spent each billing cycle with qualifying accounts and all other purchases earn 1.5%.
- Annual fee: $0.
- Rewards: 2.5% cash back on up to $10,000 spent each billing cycle with qualifying accounts and all other purchases earn 1.5%.
- APR: 17.49% to 27.49% variable APR on purchases and balance transfers. A balance transfer fee of 3% of each transfer applies.
- Foreign transaction fees: None.
- Credit score requirement: Excellent.
Why this card made the list
As a pay-in-full card, the American Express® Gold Card (terms apply, rates & fees) generally has no preset spending limit. Amex may set a limit, however, if you fall behind on payments or have negative marks appear on your credit reports. The full balance of the card has to be paid off each month, unless you use the card’s “Pay Over Time” feature with interest, which is active on all new card accounts. This feature allows you to carry a balance and pay interest if the balance isn’t paid in full. The amount you can spend is based on factors such as purchase, payment and credit history. This feature only applies to eligible charges meeting minimum transaction amounts that can be included in a Pay Over Time balance, up to the Pay Over Time limit.
Beyond the flexible limit, cardholders can earn 4 Membership Rewards points per $1 at restaurants worldwide, up to $50,000 in purchases per calendar year; then 1 point per $1, 4 points per $1 at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1 point per $1), 3 points per $1 on flights booked directly with airlines or through American Express travel and 1 point per $1 on other eligible purchases. On top of that, you can offset most of the annual fee by taking advantage of the up to $10 in Uber Cash each month for Uber rides or Uber Eats orders in the U.S. after adding the card to your Uber account and up to $10 in monthly statement credits when you pay with the card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com and Five Guys (enrollment required).
- Annual fee: $325.
- Rewards: 4 Membership Rewards points per $1 at restaurants worldwide, up to $50,000 in purchases per calendar year; then 1 point per $1, 4 points per $1 at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1 point per $1), 3 points per $1 on flights booked directly with airlines or through American Express travel and 1 point per $1 on other eligible purchases.
- APR: See Pay Over Time APR.
- Foreign transaction fees: None.
- Credit score requirement: Good to excellent.
Why this card made the list
Like the Amex Gold card, The Platinum Card® from American Express (terms apply, rates & fees) has no preset spending limit and you’ll also have to pay your full balance each month — or use the card’s Pay Over Time feature which allows you to carry a balance and pay interest if the balance isn’t paid in full. The amount you can spend is based on factors such as purchase, payment and credit history. This feature only applies to eligible charges meeting minimum transaction amounts that can be included in a Pay Over Time balance, up to the Pay Over Time limit.
But this card has much bigger fees and rewards than the Amex Gold card. Cardholders can also offset the $695 annual fee, plus some, by collecting up to $840 a year in combined statement credits: up to $200 in annual Uber Cash (for purchases in the U.S.; card must be added in Uber account to receive benefit), up to $240 in annual digital entertainment statement credits, up to $200 in annual hotel statement credits on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel (The Hotel Collection requires a minimum two-night stay) and up to $200 in airline incidental fee statement credits per calendar year for one qualifying airline of your choice. Enrollment is required for select benefits.
- Annual fee: $695.
- Rewards: 5 Membership Rewards® points per $1 for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per $1 on prepaid hotels booked with American Express Travel and 1 point per $1 on other purchases.
- APR: See Pay Over Time APR.
- Foreign transaction fees: None.
- Credit score requirement: Good to excellent.
The information for the U.S. Bank Altitude® Reserve Visa Infinite® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
The U.S. Bank Altitude® Reserve Visa Infinite® Card * The information for the U.S. Bank Altitude® Reserve Visa Infinite® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. has no preset spending limit and earns ample rewards. It’s one of few credit cards with targeted rewards for mobile wallet spending. Altitude points are worth roughly one cent per point when redeemed for statement credits, so $5,000 in mobile wallet credits could be equivalent to around $50.
Cardholders can further offset the annual fee by cashing in on up to $325 in annual credits for eligible travel and dining purchases and up to $100 in statement credits for reimbursement on a TSA PreCheck or Global Entry application fee once every four years. Plus, they’ll get a variety of travel protections, including travel accident insurance and lost luggage reimbursement.
- Annual fee: $400.
- Rewards: 5 points per $1 on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 3 points per $1 on travel purchases and mobile wallet spending on Apple Pay, Google Pay and Samsung Pay and 1 point per $1 on all other eligible purchases.
- APR: 22.24% to 29.24% variable APR on purchases and balance transfers. A balance transfer fee of either 3% of each transfer or $5 minimum, whichever is greater, applies.
- Foreign transaction fees: None.
- Credit score requirement: Good to excellent.
The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
As a Visa Infinite® card, the Capital One Venture X Rewards Credit Card
*
The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
is tailor-made for big travel expenses.
This high-limit credit card offers 2 miles per $1 on purchases, 5 miles per $1 on flights booked through Capital One Travel and on purchases through Capital One Entertainment and 10 miles per $1 on hotels and rental cars booked via Capital One Travel. Plus, cardholders get 10,000 bonus miles each anniversary, in addition to unlimited complimentary access to Capital One, Priority Pass (enrollment required) and Plaza Premium Group airport lounges.
- Annual fee: $395.
- Rewards: 2 miles per $1 on purchases, 5 miles per $1 on flights booked through Capital One Travel and on purchases through Capital One Entertainment and 10 miles per $1 on hotels and rental cars booked via Capital One Travel.
- APR: 19.99% to 29.99% variable APR on purchases and balance transfers.
- Foreign transaction fees: None.
- Credit score requirement: Excellent.
Methodology
Our credit cards team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings. Factors we considered include:
- Annual fees.
- Rewards rates.
- How high of a credit limit might be possible with the card.
- Any known starting credit limits.
- Any ability to spend beyond the credit limit on occasion.
Should you get a high-limit credit card?
If you frequently bump up against your current credit limit you may want to consider a high-limit card. The ideal cardholder for a high-limit credit card is someone who spends a lot of money on credit cards each month and is able to pay off the balance in full when the statement arrives.
However, a high-limit credit card isn’t a good option for someone struggling with debt management. That’s because high-limit credit cards, including the ones on our list, tend to have high APRs, so carrying a balance on the card can get expensive fast. Many of these cards also have high annual fees, too.
If you do need access to cash, consider a personal loan or even a 0% introductory APR credit card instead, since both can be more cost-effective when it comes to interest charges.
A high-limit card can, however, be a useful tool to improve already strong credit. If you open one of these cards and keep your balance low, you’ll improve your debt-to-credit ratio, which can help your credit scores improve.
But keep in mind that opening a new credit card isn’t the only way to improve your credit utilization. A good alternative for someone who wants a lower debt-to-credit ratio is to request a limit increase on one or more of the cards you already have open.
Guide to high-limit credit cards
Before shopping for a high-limit credit card, make sure you’re clear on your plans for the card. A high-limit credit card can be a trap for someone who isn’t able to pay off the balance each month, so it isn’t the best choice for everyone. Here’s what you need to know:
What is a high credit card limit?
There’s no set number that defines a high credit card limit. By some definitions, a card with a limit over $5,000 is high. A credit card limit may also be considered high if it extends you more credit than you have on your pre-existing accounts.
Who should get a high-limit credit card?
Creditors are most likely to approve you for a high-limit credit card if you have good or better credit. But just because you qualify doesn’t mean you should use one of these cards. If the card will tempt you to spend more than you can easily afford to repay each month, it’s not the best choice.
How to pick the best high-limit credit card
As with any credit card, you’ll want to compare the overall features of several cards to find the best option available. When making your decision, consider each card’s APR, annual fees and rewards, along with the limit.
Getting preapproved for multiple cards is the best approach since it can give you a preview of what you’ll qualify for and help you choose the best card available.
Managing high credit limits responsibly
A high credit limit should not be seen as an invitation to take on more debt. As with any credit card, the best practice is to charge only what you can afford to pay off within 30 days. If you carry a balance, you can face high interest charges, and as your balance increases, your credit scores will likely drop.
Frequently asked questions (FAQs)
High-limit credit cards work the same as other credit cards, but they give the cardholder the option to charge larger amounts. Regardless of the limit, you’ll still have to pay interest if you carry a balance past the monthly payment due date.
Each creditor sets its own minimum and maximum limits for their credit cards, and the amount you qualify for depends on personal details like your credit rating. There are, however, some cards with no preset spending limits, such as the Amex Gold card and the Amex Platinum card.
Having a high credit limit can positively impact your credit scores, as long as you maintain low balances. That’s because 30% of your credit score is based on the percentage of your available credit you’re using, and the less you use the better.
If you go over your credit limit, some creditors will decline your purchases and/or charge you an overlimit fee. Going over the limit also pushes your debt-to-credit ratio above 100% on the card, which has a negative impact on your credit scores.
A credit card with a high limit is more likely than other cards to come with rewards and perks. That’s because high-limit cards usually require good credit, and cards for good credit often come with competitive features like big points multipliers or high cash-back rates.
For rates and fees for the American Express® Gold Card please visit this page.
For rates and fees for The Platinum Card® from American Express please visit this page.
*The information for the Alliant Cashback Visa® Signature Credit Card, Capital One Venture X Rewards Credit Card and U.S. Bank Altitude® Reserve Visa Infinite® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
