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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.
To insure you get the credit limit you desire, you may want to apply for multiple offers 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.
DISCOVER® MORE(SM) CARD - UP TO $25,000 LIMIT |
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- 0% APR for 12 months on Purchases and Balance Transfers
- Offers credit limits of up to $25,000
- 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*
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfer
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Credit Needed
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0%% *
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12 Months *
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10.99% *
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None *
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Yes
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Good
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DISCOVER® OPEN ROAD SM CARD - UP TO $25,000 LIMIT |
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- 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers
- Credit limits of up to $25,000
- 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*
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfer
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Credit Needed
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0% *
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12 Months *
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10.99% *
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None *
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Yes
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Good
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CAPITAL ONE® NO HASSLE MILES(SM) REWARDS - UP TO $20,000 LIMIT |
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- Offers a 0% APR on purchases until October 2009
- Earn 1.25 miles for each dollar spent on purchases*
- No blackout dates or seat restrictions
- No expiration date on miles and no limit on the miles you can earn
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfer
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Credit Needed
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0% *
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see above Months *
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9.9% *
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None *
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Yes
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Excellent
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CAPITAL ONE ® PLATINUM PRESTIGE - UP TO $20,000 LIMIT |
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- Offers a 0% APR on purchases and balance transfers until October 2009
- Your APR will not increase simply because you pay late only once or go over your credit limit
- No annual fee
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfer
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Credit Needed
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0% *
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see above Months *
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9.9% *
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None *
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Yes
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Excellent
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CAPITAL ONE® NO HASSLE CASH(SM) REWARDS - UP TO $10,000 LIMIT |
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- Offers a 0% APR on purchases until October 2009
- 2% cash back on purchases at gas stations and major grocery stores and 1% cash back on all other purchases.
- No limit on cash back and rewards won’t expire for the life of your account
- 16.9% APR on purchases and balance transfers
- Request your cash back rewards whenever you want
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfer
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Credit Needed
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0% *
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see above Months *
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13.9% *
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None *
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Yes
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Good
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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 |
