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 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® CARD

0% APR* on balance transfers and purchases for 7 or 12 months No annual fee Citi® Identity Theft Solutions $0 Liability on unauthorized purchases

Intro on Purchases Intro APR Period Regular APR Annual Fee Credit Needed 0% * Up to 12 Months * As low as 11.99%(V) * None * Good

DISCOVER® MORE(SM) CARD

Earn more cash in more ways than anyone else(SM) Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online Double rewards with more than 100 Cashback Bonus Partners Customer Service in less than a minute, anytime you want 0% Intro APR for 6 months on Purchases, and up to 12 months on Balance Transfers*

Intro on Purchases Intro APR Period Regular APR Annual Fee Credit Needed 0%* * 6 Months* * 11.99% - 19.99%* * None * Good

GOLF MAGAZINE REWARDS VISA® CARD

Save with an introductory 0% Annual Percentage Rate (APR) for Balance Transfers through your first 6 monthly billing cycles. Free 1 dozen Titleist Pro V1 golf balls after your first purchase of $50 - a $58 value! Earn 1% cash back. Or earn points for golf gear, access to championship courses, VIP golf experiences, plus travel, merchandise, and gift cards Points don't expire (as long as your account is open and you use your credit card every 24 months) No annual fee

Intro on Purchases Intro APR Period Regular APR Annual Fee Credit Needed 0% on Transfers * 6 Months * 16.24% * None * Excellent

View More High Limit Credit Card Offers

Charge Cards with No Pre Set Spending Limits

AMERICAN EXPRESS (R) PREFERRED REWARDS GOLD CARD

Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in 3 months - redeemable for a $100 gift card! The Membership Rewards(R) program - Earn 1 Membership Rewards(R) 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 Credit Needed N/A N/A N/A * $125 annual fee * 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 Credit Needed N/A N/A N/A * $450 * 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.

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