The best high limit credit cards for 2022

Getting a high-limit credit card is often a matter of having a positive credit history. But no matter where your credit scores fall, some cards might be more likely to give you a high credit limit.

A high-limit credit card can increase your purchasing power, improve your credit and help bring financial peace of mind. At the same time, they can be hard to come by if you’re not sure where to look. For the best high-limit credit cards and tips on how to put yourself in the best position to get one.

Some of the best high-limit credit cards to get include:

Chase Sapphire Reserve card- The Chase Sapphire Reserve comes with a high minimum credit limit of $10,000 and plenty of benefits to add value. New cardholders can earn 50,000 bonus points after spending $4,000 on purchases in the first 3 months after their account opens, and points are worth 50% more when redeemed for travel through the Chase Ultimate Rewards® portal.

Chase Sapphire Preferred card- The Chase Sapphire Preferred Card comes with a $5,000 minimum credit line, but we’ve seen claims that the credit limits for this card can be as high as $100,000. Just keep in mind that it’s rare to get a credit limit on the highest end of that spectrum. Even without that super-high limit, you can get value out of the card’s impressive rewards. New cardholders can earn 60,000 bonus points when they spend $4,000 on purchases in the first 3 months after their account opens.

Citi Double Cash Card- This card has a relatively low minimum credit limit of $500, but Credit Karma user reviews and reports elsewhere say you may be able to get limits closer to $10,000, or even $40,000 or higher, after credit limit increases. No matter your credit limit, the Citi Double Cash Card offers straightforward rewards with the ability to earn 2% back on all purchases — 1% when you use the card and 1% when you pay your bill.

Chase Freedom Unlimited- The Chase Freedom Unlimited® offers a $500 minimum credit limit, but the limit is at least $5,000 if you’re approved for the Visa Signature version of the card. Beyond those minimum limits, this card offers plenty of opportunities to earn cash back.

Credit card issuers determine your credit limit based on a variety of factors pulled from your application, credit reports and their own internal information. Your exact limit will likely depend on how the issuer weighs these factors.

For example, if you have a high income and low monthly housing payment, the issuer may feel more comfortable giving you a high limit. Similarly, if you have a history of paying your bills on time and have good or excellent credit scores as a result, that may increase your chances of getting a high limit card.