5 Best High-Limit Credit Cards for 2023

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When considering adding a new high-limit card to your wallet, it is important to compare all the features and benefits and pick the one that fits your needs the best. This list of the five best high-limit cards was compiled using a combination of variables, including sign-up bonuses, annual fees, rewards offerings and APRs.

Here’s everything you need to know about the best high-limit credit cards available today.

1. Credit Card

Every quarter, the Discover it® Cash Back card changes its bonus categories — the categories that earn cardholders 5% cash back on purchases. For people with good credit, this can be a valuable rewards program, especially if you don’t mind keeping track of the new categories every four months. The good news is that all other purchases, outside of the rotating categories, earn 1% cash back, without restriction. So regardless of what you buy, you will earn cash back.

Annual fee:

Other fees: The greater of either $10 or 5% of the amount of each cash advance; 3% of the amount of each balance transfer; up to $41 for late payments

Intro APR: 0% for first 15 months for purchases and balance transfers

APR: 

2. Capital One VentureOne Rewards Credit Card

The Capital One VentureOne Rewards card doesn’t have the rewards flexibility of some of the other cards on this list, but if you want only travel rewards, then it’s worth looking into — especially with the generous bonus offer of 20,000 miles if you spend $500 in the first three months. The card also offers low-interest rates and might be a smart choice for frequent travelers with a high credit score.

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Annual fee:

Other fees: The greater of either $3 or 3% of the amount of each cash advance

Intro APR: 0% for the first 15 months for purchases

APR: 

3. Chase United Explorer Card

The UnitedSM Explorer card is a fitting option for people who fly United often or exclusively, as the travel rewards are only good on that airline. Cardholders get perks like free checked bags for themselves and their travel companions.

Annual fee: $0 for the first year, then $95 after

Other fees: The greater of either $5 or 5% of the amount of each balance transfer; The greater of either $10 or 5% of the amount of each cash advance

Intro APR: N/A

APR: 20.74% to 27.74% variable

4.

Commonly regarded as a prestigious card, the Platinum Card® from American Express offers valuable perks to make the large annual fee of worth it. One such perk is that new cardholders can earn 80,000 points after spending $6,000 within the first six months. You can also use the Platinum Card to gain access to a host of upscale travel advantages, like entry to the private Centurion Lounge at airports, as well as hotel savings, flight upgrades and much more.

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Annual fee:

Other fees: The greater of either $10 or 5% of the amount of each cash advance

Intro APR: N/A

APR: See Pay Over Time APR

5. Delta SkyMiles Gold American Express Card

The Gold Delta SkyMiles® card can be a great card — if you only fly on Delta. This card offers an attractive one-time bonus of 40,000 miles after spending $2,000 in the first three months. The card also offers other perks like a 20% discount on in-flight purchases and a free checked bag for the primary cardholder on all Delta flights.

Annual Fee: $0 for the first year, then $99 annually

Other fees: The greater of either $10 or 5% of the amount of each cash advance

Intro APR: N/A

APR: 19.99% – 28.99% variable

Takeaways

Now that you know more about the best high-limit credit cards, you can decide which ones are the best options for you. For the greatest chance of success, read up on tips for applying and getting approved for a credit card.

FAQ

Here are answers to some commonly asked questions about high-limit credit cards.
  • How can I get a $30,000 credit limit?
    • How do you get a high-limit card? Credit card companies usually only give high-limit cards to customers with a good-to-excellent credit score and credit history, little debt and an optimal credit utilization rate.
  • What is an easy credit card to get with a high limit?
    • Most high-limit credit cards are hard to get, as credit card companies are more likely to reject applicants with worse credit scores and histories. It may be easier to get a high-limit credit card from a credit card provider you already have another card from, as long as you've paid your credit card bills on time.
  • Which credit card has the highest credit limit?
    • Banks that offer exclusive credit cards with high limits may offer different credit limits to different customers. This makes it difficult to figure out which card actually offers the highest credit limit. Most information out there is based on anecdotes from online forums.
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Chris Ozarowski contributed to the reporting for this article.

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Jan. 20, 2023. 

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

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About the Author

Natalie Campisi is a Los Angeles-based writer and producer with more than 17 years of experience. She started her career as a journalist, reporting for dailies, the Associated Press and on Capitol Hill. She’s produced podcasts, commercials and online video content for everyone from tech startups to chocolatiers.
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