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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 in the post-credit crisis world.
To insure you get the credit limit you desire, you may want to apply for multiple credit card 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.
CITI® PLATINUM SELECT® MASTERCARD® |
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- 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
- Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more
- Citi® Identity Theft Solutions
- Secure, free online account management
- No annual fee
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Intro APR on Purchases
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Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Needed
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0% for 12 Months*
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0% for 18 Months*
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11.99-19.99% Variable*
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None
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Good
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DISCOVER® MORE CARD |
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- 0% intro APR on balance transfers for a full 15 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
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Intro APR on Purchases
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Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Needed
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0% for 6 Months*
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0% for 15 Months*
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11.99% - 20.99% (Variable)*
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None
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Excellent
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CITI® DIAMOND PREFERRED® REWARDS CARD |
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- $50 gift card - Redeem 6,000 bonus points after $300 in purchases within 3 months of account opening
- 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-20.99% based on creditworthiness*. This APR will vary with the market based on the Prime Rate.
- 5 ThankYou® Points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months, 1 ThankYou Point thereafter**
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee
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Intro APR on Purchases
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Intro APR on Transfers
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Regular APR
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Annual Fee
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Credit Needed
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0% for 12 Months*
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0% for 12 Months*
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12.99%-20.99% Variable*
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None
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Good
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AMERICAN EXPRESS(R) GOLD CARD |
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- Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100!
- The Membership Rewards program - Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining 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 60 seconds.
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Intro APR on Purchases |
Intro APR on Transfers |
Regular APR
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Annual Fee
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Credit Needed
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N/A*
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N/A*
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N/A *
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$125 annual fee *
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Excellent
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View More High Limit Credit Card Offers
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 |
