A credit card with a $50,000 limit might sound beyond the realm of possibility — but it’s not. You’ll just have to work a little to get there.
No issuer guarantees a $50,000 credit limit, but there are a few cards offering high minimums that make a $50,000 limit possible. With an excellent credit history, lots of income, and minimal debt, you can work your way there.
Here’s what to know about high-limit cards — and three cards that could help you unlock a $50,000 credit limit.
Why there’s no “$50,000-limit card”
Credit card issuers base your credit limit on factors like your income, credit history, and debt-to-income ratio. You have to check a lot of boxes before they’ll even consider trusting you with $50,000 of their money.
That said, many high-limit cards have minimum limits of $5,000 to $10,000, allowing cardholders to eventually reach limits of $50,000 or more. Getting there usually takes:
- Excellent credit (a 750 score or better)
- High income (think six figures)
- Little or no outstanding debt
No card will offer you a guaranteed $50,000 limit out of the gate. But with the right issuer and credit history, it’s possible. Here are a few cards that can help you make it happen.
1. Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card (see rates and fees) is one of the most popular mid-tier travel cards on the market. It usually comes with a minimum starting limit of $5,000, since it’s a Visa Signature card. That’s a good baseline, and many users report receiving far more.
You’ll also earn:
- 5X points on travel purchased through Chase Travel℠
- 3X points on dining, select streaming services, and online groceries
- 2X points on all other travel
It’s a valuable card if you’re looking to spend lots in bonus categories with your high limit.
Ready to build your way up to a $50,000 credit limit? Apply for the Chase Sapphire Preferred® Card today.
2. Chase Sapphire Reserve®
The Chase Sapphire Reserve® (see rates and fees) is a top-tier card known for luxury travel perks, but it’s also known for higher credit limits. It’s got a high starting credit limit of at least $10,000, with users reporting limits of $50,000 or more.
The card also earns:
- 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
The Chase Sapphire Reserve offers up to $300 in annual travel credits, too, which can help offset the $550 annual fee.
If your goal is a huge credit line, the Chase Sapphire Reserve is a strong contender. Apply today to get started.
3. Citi Double Cash® Card
You don’t always need a premium card to reach a high limit. The Citi Double Cash® Card is one of the easier high-limit cards to get, especially for those with fair to good credit.
While it has a minimum limit of $500, many cardholders report getting limits as high as $50,000. Of course, it’ll probably take longer to build up to a high credit limit if your credit history isn’t as strong, but it’s still possible.
For a $0 annual fee, the Citi Double Cash® Card also offers 2% cash back on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Apply for the Citi Double Cash® Card now (see rates and fees) and start upping your credit limit while earning easy cash back today.
Build your way to a high limit
There’s no such thing as a guaranteed $50,000 credit card limit — but with excellent credit, high income, and minimal debt, it’s definitely a possibility.
Ready to aim high? Apply for one of our favorite high-limit credit cards today.
