I have a combined credit limit of $66,900 across five credit cards right now. The highest of the bunch is my Chase Sapphire Preferred® Card (see rates and fees), which sits at a solid $23,500 available credit.
Hitting a $50,000 total credit limit is actually pretty doable when you stack multiple cards. But what if you need that kind of firepower on just one card? Maybe you’re financing a big purchase, or you want to squeeze every drop out of a premium perk.
Here are the top high-limit cards, and how you can best use each one.
1. Chase Sapphire Preferred® Card: My personal favorite
I’ve had this card for years — my wife has one, too! When I first applied, Chase granted me a $10,000 spending limit, but I’ve requested increases since then and now I’m sitting at $23,500.
Top 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
Plus, right now this card has a huge welcome offer: Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That’s worth up to $1,250 in Chase Travel℠ value!
All in all this is a great card to grow with. It’s my first recommendation when my friends and family ask for card advice — apply for the Chase Sapphire Preferred® Card today (see rates and fees).
2. Chase Sapphire Reserve®: Best for big travelers
The Chase Sapphire Reserve® (see rates and fees) is like the “big brother” to the aforementioned card. It starts with a minimum $10,000 credit line, but users report limits of up to $100,000, especially for high-income applicants.
This premium card offers:
- 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
Plus, cardholders get an annual $300 travel credit, as well as Priority Pass airport lounge access. All these perks make the annual fee of $550 easily justifiable — apply now for the Chase Sapphire Reserve® card (see rates and fees).
3. Citi Double Cash® Card: Simple and effective
A $0 annual fee. No rotating categories. Just straight-up 2% cash back — 1% when you buy and 1% when you make at least your minimum payment on time. That’s why the Citi Double Cash® Card (see rates and fees) is a fan favorite.
What’s less talked about is that it also offers surprisingly high limits for qualified users — often north of $20,000. If you’re after cash back and a high credit ceiling, apply for the Citi Double Cash® Card today (see rates and fees).
Always spend responsibly
A $50,000 credit limit can be a powerful tool. It can lower your credit utilization, help earn rewards, or finance large purchases.
Just make sure you’re choosing the best credit card that fits your spending habits and financial goals — not just one with a flashy number.
