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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 credit 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.

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Discover it®

Intro APR
0%
14 months
Regular APR
10.99% - 22.99% Variable*
Balance Transfer
0%
14 months

Discover it® Highlights

  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Rated 4.8 out of 5 stars by over 5,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
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Discover it® - 18 Month Balance Transfer

Intro APR
0%
6 months
Regular APR
10.99% - 22.99% Variable*
Balance Transfer
0%
18 months
Show More Info

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 high limit credit cards above, and get more tips on ways to take advantage of your high limit credit card in the Creditnet forum.