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Best High-Limit Credit Cards

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Update: Some offers mentioned below may have changed or are no longer available. View current credit card offerings from our partners at CardCritics here or on the issuer’s website.

Credit card companies — especially those catering to people with a good-to-excellent credit score and credit history, little debt, and an optimal credit-utilization rate — are pulling out all the stops to compete in today’s growing rewards credit card market. For people looking to get the best credit cards, this wealth of competitive offers is good — because the rewards are usually substantial — and a little daunting — because of all the options to sift through.

If you’re looking for a rewarding credit card with a high limit, you can compare credit cards in this round-up of the 10 best high-limit cards. See what kind of balance transfer and reward-earning options are available; you’ll find everything from cards with high prestige factor to cards with the most competitive interest rates. This list was compiled using a variety of variables including sign-up bonuses, annual fees, rewards programs offerings and APRs.

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Here are the best high-limit credit cards available today:

Credit CardAnnual FeeIntroductory OffersPerksMinimum Required Credit Score
Discover it Miles Card $0All earned miles are matched during the first year for new cardholders.
  • Earn 1.5 miles on every dollar spent.
  • No blackout dates apply.
  • Miles can be used on any airline.
Good to excellent
Discover it Cash Credit Card $0Discover automatically matches all the cash back earned, dollar for dollar, at the end of the first year.
  • Earn 5% cash back in categories that change each quarter and 1% cash back on all other purchases.
Good to excellent
Capital One VentureOne Rewards Credit Card $0Get a one-time bonus of 20,000 miles after spending $1,000 on purchases within the first 3 months.
  • Earn unlimited 1.25x miles for every dollar spent.
Excellent
United MileagePlus Explorer Card $0 for first year, then $95Earn 30,000 bonus miles after spending $1,000 on purchased in the first 3 months.
  • Earn 2x miles for each $1 spent on tickets purchased from United.
  • Earn 1 mile per $1 spent on all other purchases.
Good to excellent
Gold Delta SkyMiles Card $0 for first year, then $95Earn 50,000 bonus miles after making $1,000 in purchases in first 3 months and a $50 statement credit after making a Delta purchase in first 3 months.
  • Earn miles for everyday purchases.
  • Earn 2 miles per dollar spent on purchases made directly with Delta.
Average credit score about 700

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Discover it Miles Travel Credit Card

If you can’t decide whether you want travel rewards or cash back, the Discover it Miles Travel credit card might be the card for you. This flexible rewards program allows you to trade in your points for cash or travel. After the first year, all your points are matched, so you’ll get double the amount. Other incentives include no annual fee and 0% APR for the first year as well as some of the best rates on this list.

Annual fee: $0
Other fees: 3 percent of the amount of each balance transfer; the greater of either $10 or 5 percent of the amount of each cash advance
Intro APR: 0% for 12 months for purchases
APR: 

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Read: 10 Best Credit Cards for Big Spenders

Discover it Cash Credit Card

Every quarter the Discover it Cash card changes its bonus categories — the categories that earn cardholders 5 percent 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 percent cash back, without restriction. So regardless of what you buy, you will earn cash back.

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Annual fee: $0
Other fees:  The greater of either $10 or 5 percent of the amount of each cash advance; 3 percent of the amount of each balance transfer; up to $37 for late payments
Intro APR: 0% for first 12 months for purchases and balance transfers
APR:

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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 $1,000 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.

Annual fee: $0
Other fees: The greater of either $10 or 3 percent of the amount of each cash advance
Intro APR: 0% for the first 12 months for purchases
APR:

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United MileagePlus Explorer Card

The United Mileage Plus Explorer Card is a fitting option for people who fly United often or exclusively, as the travel rewards are only good on that airline. Since this is such a major limitation, it probably wouldn’t be an optimal choice for people who fly outside of United. Card holders get perks like free checked bags for himself and his travel companion.

Annual fee: $0 for the first year, then $95 after
Other fees: The greater of either $5 or 5 percent of the amount of each balance transfer; the greater of either $10 or 5 percent of the amount of each balance transfer
Intro APR: N/A
APR:

Pros:

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The Gold Delta SkyMiles credit card can be a great card — if you only fly on Delta. This card offers an attractive one-time bonus of 50,000 miles after spending $1,000 in the first three months. The card also offers other perks like a 20-percent discount on in-flight purchases and a free checked bag for the primary cardholder on all Delta flights.

Annual Fee: $0 for first year, then $95 annually
Other Fees: The greater of either $5 or 3 percent of the amount of each balance transfer; the greater of either $5 or 3 percent of the amount of each cash advance
Intro APR: N/A
APR:

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Read: 7 Secret Perks You Enjoy If You Have a Good Credit Score

Commonly regarded as a prestigious card, the Platinum Card from American Express is not a credit card but a charge card. What this means is that the balance must be paid in full each month. In some ways, this card is more of a rewards card than a traditional credit card. You can use it 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.
APR: N/A; balance must be paid in full each month, unless account holder has a “pay over time” feature, in which case interest may be charged.
Intro APR: N/A

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Methodology: GOBankingRates assessed information about credit card offers, including sourcing information from the credit card and financial institution provider websites as of August 9, 2016. To comprise this list of the best credit card offers of 2016, GOBankingRates considered the following factors: (1) annual fee to keep the card open; (2) other fees; (3) introductory offers; (4) introductory rates; (4) interest rates; (5) rewards and (5) minimum required credit score.

GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing company serving top-tier banks, credit unions, and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack, Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been reviewed, approved, or otherwise endorsed by the companies included in the article.

All information about American Express card offers have been collected independently by GOBankingRates and have not been reviewed or approved by American Express. These offers are not available through GOBankingRates.