High Limit Credit Cards
High limit credit cards are your reward for excellent credit.
Anyone searching for credit cards for excellent credit already knows the major perk: a high credit limit for essentially all your purchases.
High limit credit cards generally require excellent credit and, while they may require a marginal annual fee, one of the benefits of having a high limit credit card is simplifying your expenses. No more accidentally exceeding your credit limit. No more splitting costs between credit cards. Just one of our recommended high limit credit cards in your wallet is all you'll need. Check your credit score to see if you qualify and browse through our experts’ picks for high limit credit cards below.
Credit cards with high limits do more than just make your spending simple; they improve your personal finances, too. How? Consider that the average high limit credit card features lower interest rates and in many cases better rewards programs.
Plus, having a high credit limit means lowering your credit utilization ratio and improving your credit score. It's important for consumers to use less than 30% of their available credit, but it's ideal to use less than 10%. Adding a high limit credit card to your credit profile goes a long way towards lowering that credit utilization ratio, making it especially useful for consumers with good credit hoping to jump into the excellent credit tier.
You might notice that the list below is small. That's because Creditnet has included only the best available high limit credit cards for YOU to compare below. Take comfort in knowing that there's no filler below - just the top deals on the market today.
Find the best credit card for you.
Discover it®
Intro APR
0.00%
14 months
Regular APR
10.99% - 22.99% (V)*
Balance Transfer
0.00%
14 months
| Year One | Year Two | Year Three | Total | |
Interest Savings on Balance Transfers  |
$900.00 | $489.52 | $405.45 | $1,794.97 |
| * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Interest Savings on Balance for New Purchases |
$1,200.00 | $650.50 | $540.60 | $2,391.10 |
| * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Reward Points |
$86.40 | $86.40 | $86.40 | $259.20 |
| This card offers 5% cash back ($.05) on up to $1,500 spent in rotating categories that change each quarter. Creditnet assumes cardholders spend 35% of their total purchase balance on these 5% cash back options. Creditnet then assumes that consumers earn 1% cash back on the remaining 65% of their monthly purchase balance. | ||||
| Balance Transfer Cost |
-$135.00 | -$0.00 | -$0.00 | -$135.00 |
| * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile". | ||||
| Annual Fee |
-$0.00 | -$0.00 | -$0.00 | -$0.00 |
| * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations. | ||||
| Totals | $2,051.40 | $1,226.42 | $1,032.45 | $4,310.27 |
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.
Capital One® Venture(SM) Rewards Credit Card - 10,000 Bonus Miles
Intro APR
N/A
N/A
Regular APR
13.9%- 20.9%* (V)
Balance Transfer
Ongoing
13.9%- 20.9%* (V)
| Year One | Year Two | Year Three | Total | |
| Interest Savings on Balance Transfers |
$274.50 | $274.50 | $274.50 | $823.50 |
| * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Interest Savings on Balance for New Purchases |
$366.00 | $366.00 | $366.00 | $1,098.00 |
| * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Reward Points |
$46.80 | $46.80 | $46.80 | $140.40 |
| This card offers two miles per dollar on every purchase, which Creditnet estimates at $.02 per dollar. This conversion has been applied to your rewards points savings. | ||||
| One Time Bonus |
$0.00 | $0.00 | $0.00 | $0.00 |
| Cardholders that spend $1,000 on purchases within the first 3 months will earn 10,000 bonus miles. According to Capital One, 10,000 bonus miles is the equivalent of $100 in travel. This one-time bonus will only display in your savings calculations if the monthly purchases entered into your "My Credit Card Profile" meet this qualification. | ||||
| Balance Transfer Cost |
-$0.00 | -$0.00 | -$0.00 | -$0.00 |
| * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile". | ||||
| Annual Fee |
-$0.00 | -$59.00 | -$59.00 | -$118.00 |
| * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations. | ||||
| Totals | $687.30 | $628.30 | $628.30 | $1,943.90 |
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.
Blue Cash Preferred® Card from American Express
Intro APR
0.00%
12 months
Regular APR
12.99% - 21.99% Variable
Balance Transfer
Ongoing
12.99%-21.99% (V)
| Year One | Year Two | Year Three | Total | |
| Interest Savings on Balance Transfers |
$315.45 | $315.45 | $315.45 | $946.35 |
| * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Interest Savings on Balance for New Purchases |
$1,200.00 | $420.60 | $420.60 | $2,041.20 |
| * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Reward Points |
$80.10 | $80.10 | $80.10 | $240.30 |
| This card offers 6% cash back at U.S. stand-alone supermarkets and 3% cash back on gasoline at stand-alone gas stations. Creditnet took the average of these two premium purchase categories (4.5%, or $.045), and assumes that 35% of the total purchases made on this card are on the advertised premium purchases. Creditnet then assumes that the remaining 65% of purchases receive the standard 1% cash back ($.01). | ||||
| One Time Bonus |
$0.00 | $0.00 | $0.00 | $0.00 |
| Cardholders earn 150 Reward Dollars after $1,000 in purchases in the first three months of card membership. This one-time bonus will only display in your savings calculations if the monthly purchases entered into your "My Credit Card Profile" meet this qualification. | ||||
| Balance Transfer Cost |
-$135.00 | -$0.00 | -$0.00 | -$135.00 |
| * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile". | ||||
| Annual Fee |
-$75.00 | -$75.00 | -$75.00 | -$225.00 |
| * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations. | ||||
| Totals | $1,385.55 | $741.15 | $741.15 | $2,867.85 |
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.
Discover it® - 18 Month Balance Transfer
Intro APR
0.00%
6 months
Regular APR
10.99% - 22.99% (V)*
Balance Transfer
0.00%
18 months
| Year One | Year Two | Year Three | Total | |
| Interest Savings on Balance Transfers |
$900.00 | $652.73 | $405.45 | $1,958.18 |
| * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Interest Savings on Balance for New Purchases |
$870.30 | $540.60 | $540.60 | $1,951.50 |
| * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Reward Points |
$86.40 | $86.40 | $86.40 | $259.20 |
| This card offers 5% cash back ($.05) on up to $1,500 spent in rotating categories that change each quarter. Creditnet assumes cardholders spend 35% of their total purchase balance on these 5% cash back options. Creditnet then assumes that consumers earn 1% cash back on the remaining 65% of their monthly purchase balance. | ||||
| Balance Transfer Cost |
-$135.00 | -$0.00 | -$0.00 | -$135.00 |
| * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile". | ||||
| Annual Fee |
-$0.00 | -$0.00 | -$0.00 | -$0.00 |
| * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations. | ||||
| Totals | $1,721.70 | $1,279.73 | $1,032.45 | $4,033.88 |
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.
Barclaycard® Rewards MasterCard® - Excellent Credit - 10,000 Points Offer
Intro APR
0.00%
12 months
Regular APR
14.99% - 24.99%* Variable
Balance Transfer
Ongoing
14.99% - 24.99%* Variable
| Year One | Year Two | Year Three | Total | |
| Interest Savings on Balance Transfers |
$225.45 | $225.45 | $225.45 | $676.35 |
| * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Interest Savings on Balance for New Purchases |
$1,200.00 | $300.60 | $300.60 | $1,801.20 |
| * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer. | ||||
| Reward Points |
$48.60 | $48.60 | $48.60 | $145.80 |
| This card rewards gas, grocery and utility purchases with double points (estimated at $.02 per dollar). Creditnet estimates that 35% of all purchases made with this card are on these premium points, with the remaining 65% of purchases receiving the standard 1 point per dollar (estimated at $.01). | ||||
| One Time Bonus |
$100.00 | $0.00 | $0.00 | $100.00 |
| This credit card offers 10,000 bonus points to consumers that make $750 in purchases within their first three months. This is the equivalent of $100, according to Barclaycard. Creditnet only applies this one-time bonus to consumers whose monthly purchases equate to $750 over three months. | ||||
| Balance Transfer Cost |
-$180.00 | -$0.00 | -$0.00 | -$180.00 |
| * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile". | ||||
| Annual Fee |
-$0.00 | -$0.00 | -$0.00 | -$0.00 |
| * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations. | ||||
| Totals | $1,394.05 | $574.65 | $574.65 | $2,543.35 |
* Credit card savings displayed are based on estimates as calculated by Creditnet.com, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.
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High Limit Credit Cards - Simplify Your Spending
High limit credit cards are generally reserved for consumers with excellent credit. Consider a high limit credit card your reward for having an extensive, impressive credit history.
What's there to love about high limit credit cards?
Let’s start with the obvious - more credit.
There are some serious benefits to having a higher credit line, but one that often goes unnoticed is that it becomes harder to exceed the 30% mark on your credit card. Ideally, you want to owe less than 30% of your credit limit; this becomes easier to maintain when you have a credit card with a high limit.
Maintaining excellent credit - one reason to apply for a high limit credit card. Another benefit of having a high limit credit card? Great rewards opportunities.
High limit credit cards quite often offer some great credit card rewards opportunities, especially during intro periods. Here are some things to consider when applying for a high limit credit card:
- Bonus opportunities.
Is the spending threshold to earn the most cash back or miles reasonable for my budget?
- Are my rewards limited?
We always recommend unlimited rewards cards when applying for a high limit credit card, or a cash back credit card in general.
- Do my rewards expire?
Again, no expiration date is ideal on credit cards rewards. Once you determine the high credit limit rewards program that works for you, it’s time to dial in on why a high limit credit card is especially useful...
- You won’t have to worry about dividing bigger purchases amongst several cards. (i.e. They make life simpler.)
- You’re less likely to exceed your limit.
Of course, we never recommend flirting with your credit limit. With high limit credit cards, you’re less likely to exceed your limit.
- Stay loyal. When one card is all you need, you can build your rewards more consistently. This goes back to the simplicity of only needing one card in your wallet. (However, you don’t want to cancel those other cards as this can hurt your credit score.)
So there you have it; high limit credit cards make life simple, allow rewards to accrue faster and keep your credit score right where it should be (excellent, of course). Browse through our recommended high limit credit cards above, and get more tips on ways to take advantage of your high limit credit card in the Creditnet forum.
