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DISCOVER

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CAPITAL ONE

FIRST PREMIER® BANK

 

U R @: Education Center : Understanding the Fine Print : Credit Cards that Offer High Credit Limits


CREDIT CARDS THAT OFFER HIGH CREDIT LIMITS

Getting a high limit on a credit card is contingent on a number of factors.  Specifically, credit scores, credit histories, and your current debt levels all play a role.  Ultimately, however, the methods credit card companies use to determine credit limits are kept under wraps and vary from company to company.  No credit card company will provide as much as an estimate of your potential credit limit until you have completed and submitted an application.  Additionally, many credit card companies have sharply reduced initial credit limits due to the credit crunch.

To insure you get the credit limit you desire, you may want to apply for multiple offers from different companies and accept the one that provides you the best credit limit or interest rate.  Additionally, if you do not get a high enough limit on one card, you may get a combined credit limit that meets your needs.

High Limit Credit Card Offers

CITI® PLATINUM SELECT CARD - BEST HIGH LIMIT CREDIT CARD

  • Highest recent approval rate
  • Offers credit limits that may be as high as $10,000 or more, based on a number of factors, including your credit history, score, and internal metrics
  • 0% APR on balance transfers and purchases for up to 12 months*
  • Editor's Note: Citi is one of the first credit card companies to use clear language and fairer credit card terms. On the application for this card, Citi states that they will NOT RAISE your interest rate until your card expires, typically two years, unless you trigger default by going over the limit or paying late.
  • No annual fee

Intro on Purchases

Intro APR Period

Regular APR

Annual Fee

Transfers

Credit Needed

0% *
6-12 Mos. *
Low as 11.99% *
None *
Yes
Good

DISCOVER® OPEN ROAD SM CARD - UP TO $25,000 LIMIT

  • Excellent credit required for approval
  • Although credit limits of up to $25,000 are available, initial credit limits are often significantly lower
  • 0% Intro APR for 6 months on Purchases and Balance Transfers
  • Save at the pump and everywhere else.*
  • 5% Cashback Bonus® on gas and auto maintenance purchases
  • Double Cashback Bonus® on grocery store purchases in November and December*

Intro on Purchases

Intro APR Period

Regular APR

Annual Fee

Transfers

Credit Needed

0% *
6 Months *
11.99% *
None *
Yes
Excellent

View More High Limit Credit Card Offers

 

 

Charge Cards with No Pre Set Spending Limits

AMERICAN EXPRESS® PREFERRED REWARDS GOLD CARD

  • Make everyday purchases count twice: For a limited time, you can earn double membership rewards points on gas and groceries for your first year
  • Earn 10,000 Membership Rewards® bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
  • The Membership Rewards® program - Earn 1 Membership Rewards® point for virtually every dollar you spend and redeem for your choice of travel, shopping, and entertainment rewards.
  • Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
  • Express Approval. Get a decision in less than 60 seconds.


Intro on Purchases

Intro APR Period

Regular APR

Annual Fee

Transfers

Credit Needed

N/A
N/A
N/A *
$125 *
No
Excellent

PLATINUM CARD® FROM AMERICAN EXPRESS

  • Earn 25,000 Membership Rewards® bonus points when you spend $1,000 in 3 months - Redeemable for one round-trip domestic airline ticket!
  • No Pre-set Spending Limit
  • 24-hour access to Concierge service for the finest experiences in dining, entertainment, and luxury
  • Fine Hotels & Resorts Program — exclusive amenities at boutique, resort, and luxury hotels around the world
  • By Invitation Only® Events — access to exclusive, once-in-a-lifetime events
  • The Membership Rewards First® program - Enjoy exclusive access to rewards and experiences featuring luxury retail, lifestyle, and world-class travel

Intro on Purchases

Intro APR Period

Regular APR

Annual Fee

Transfers

Credit Needed

N/A
N/A
N/A *
$450 *
Yes
Excellent

Editor's Note:  To verify which credit cards offered high limits, customer service reps were contacted at a number of credit card companies.  At each company, the customer service reps emphasized the fact that the size of credit limits granted could vary dramatically based on a review of the applicants credit history.


Read more related articles: Understanding the Fine Print

 

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