Spending $5,000 or more each month isn’t unusual for some cardholders — especially business owners, frequent travelers, or large families. But not all credit cards can handle that volume. Many standard cards come with credit limits that cap out well below $20,000.
If you need more flexibility (and want strong rewards, too), these three cards stand out. They also offer valuable perks and earnings rates that’ll make them a mainstay in your wallet for years to come.
1. Chase Sapphire Reserve®
Best for: High visible limit and top-tier travel rewards.
The Chase Sapphire Reserve® (see rates and fees) doesn’t have a clear credit limit, but it’s typically on the higher end. New accounts start with a minimum $10,000 limit, and many users have reported limits of $50,000 or more.
That spending power pairs well with the card’s recently-refreshed rewards rates that are among the highest we’ve ever seen from a Chase card:
- 8x points on all purchases through Chase Travel℠, including The Edit℠
- 4x points on flights and hotels booked direct
- 3x points on dining worldwide
- 1x points on all other purchases
You’ll also get a versatile $300 annual travel credit, alongside $2,000 in new perks, to help offset the card’s $795 annual fee. It’s an ideal choice if you want a premium card with a high credit limit and valuable rewards.
And remember that this welcome bonus is only around for a limited time. You really don’t want to miss this one if you’ve been waiting to finally apply for that new travel card. Apply now for the Chase Sapphire Reserve® and start getting rewarded for every trip.
2. The Platinum Card® from American Express
Best for: Flexible spending and premium perks.
The Amex Platinum Card comes with no preset spending — but that doesn’t mean you’ve got limitless spending power.
Instead, your available credit adjusts based on factors like your income, spending patterns, and payment history. It’s a dynamic limit, which can allow for large charges if you’ve shown strong credit habits.
While no purchase is guaranteed to go through, Amex Platinum Card users often report being able to spend far more than they could with a typical credit card. This card is also packed with high-end travel benefits, including lounge access, statement credits, and hotel status perks. Terms apply; enrollment may be required. These benefits, along with a load of available spending credits, help make the $695 annual fee (see rates and fees) worth it for the right type of cardholder.
3. Citi Double Cash® Card
Best for: Simple cash back with with no annual fee.
The Citi Double Cash® Card starts with a modest minimum limit, but it can scale quickly over time. Many users report eventual credit lines of $20,000 to $50,000, especially with strong credit profiles.
It’s also one of the most rewarding flat-rate cards available. You’ll get a straightforward 2% cash back on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
It’s a great option for high spenders who want simplicity, steady rewards, and a path to higher credit access without paying a premium. Apply for the Citi Double Cash® Card today (see rates and fees).
Get a card to match your lifestyle
If you’re regularly charging $5,000+ a month to your credit card, not just any card will do. Luxury cards like the Amex Platinum Card, Chase Sapphire Reserve, plus cash back cards like the Citi Double Cash all offer plenty of room to spend, with perks and earnings rates to match.
For more picks, read our list of our favorite high-limit credit cards available now.
