High Limit Credit Cards
High limit credit cards are your reward for excellent credit.
Anyone searching for credit cards for excellent credit should already understand the major perk of these cards: a high credit limit that will mostly likely cover all your purchases while leaving plenty of extra credit available too.
High credit limit credit cards generally require excellent credit and, while they may have a nominal 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.
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 scores. 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 that are hoping to finally jump into the excellent credit tier.
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U.S. Bank Visa® Platinum Card Highlights
- 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 10.24%-21.24%
- No annual fee*
- Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa Platinum