Some premium credit cards offer huge spending limits. Of course, no bank is going to hand out $50,000 credit lines to just anyone. You’ll likely need a rock-solid credit history and an undeniable ability to make large payments to get approved for upper limits.
Here are three heavy hitters that can offer massive limits (up to $100,000) for the right candidates.
1. Chase Sapphire Preferred® Card: My personal go-to
I’ve carried the Chase Sapphire Preferred® Card (see rates and fees) for years. As of today, my limit sits at $23,500 for this card. But some users reportedly have limits up to $50,000.
Current welcome offer: Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. We estimate that’s worth up to $1,250 in Chase Travel℠ value.
Ongoing perks include:
- 5X points on travel purchased through Chase Travel℠
- 3X points on dining, select streaming services, and online groceries
- 2X points on all other travel
- 1X points on other purchases
And that’s not all. Hotel credits, travel protections, and other dining rewards are available for cardholders too.
All said and done, the $95 annual fee is nothing compared to the value of rewards. Apply for the Chase Sapphire Preferred® Card today — before the limited-time sign-up bonus disappears.
2. Chase Sapphire Reserve®: Maximum spending power for travelers
Think of the Chase Sapphire Reserve® (see rates and fees) as the “older sibling” of the Preferred. This card reportedly comes with a starting limit of at least $10,000 — but many users (especially those with high incomes and strong credit profiles) report credit lines of $50,000 to $100,000.
This luxury travel card comes with:
- A $300 annual travel credit
- Access to more than 1,300 airport lounges
- 10x total points on hotels and car rentals through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually
- 5x total points on air travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually
- 3x points on other travel and dining
- 1x points on all other purchases
If you’re not a big traveler and can’t take advantage of these perks, the $550 annual fee seems steep.
But for frequent travelers, it more than pays for itself. Apply now for the Chase Sapphire Reserve® card and tap into one of the biggest credit lines around.
3. The Platinum Card® from American Express: No preset spending limit
The Platinum Card® from American Express doesn’t have a preset limit like traditional cards. Instead, the amount you can spend is dynamic. It changes over time based on factors like your purchase, payment, and credit history.
Translation: As your income grows and you build stronger credit, you can spend more. And it can go really high. Some users on Reddit claim to have made purchases well into the six-figure range with their Amex cards (mostly for business expenses).
Major perks include:
- $200 annual hotel credit
- $240 digital entertainment credit
- $155 Walmart+ Credit
- Up to $200 in Uber Cash annually
- $199 CLEAR® Plus Credit
- 5X points on flights booked directly with airlines or with American Express Travel, up to $500,000 on these purchases per calendar year
- Access to more than 1,400 airport lounges in over 650 cities
- A full suite of travel insurance protections
- Terms apply; enrollment may be required
The $695 annual fee is hefty (see rates and fees), but for serious travelers and high spenders, the Amex Platinum Card can be an unbeatable powerhouse.
Apply for The Platinum Card® from American Express now and unlock these premium perks.
Big limits, big responsibility
I love having high limits on all my credit cards — even though I never spend enough to touch them. High spending limits keep my credit utilization low, which helps my credit score.
But remember: The best credit cards should fit your lifestyle, not stroke your ego. Trust me, no one’s handing out trophies for the biggest credit limit at the end of the month.
Choose wisely, and always spend responsibly.
