Easiest High Limit Credit Card to Get in 2024 (2024)

One of the easiest high limit credit cards to get is the Citi Double Cash® Card. This card offers a minimum credit limit of $500 and cardholders report getting a starting credit limit as high as $11,500. The Citi Double Cash Card has a $0 annual fee and requires at least fair credit for approval.

Keep in mind that most high limit credit cards require at least bad credit for approval. So, if you’re looking for a card with a lower entry bar that offers a high credit limit, you should also consider secured credit cards, such as the OpenSky® Plus Secured Visa® Credit Card. This card’s credit limit is the amount of your security deposit, which is $300 at a minimum, but the issuer allows you to put down up to $3,000. The OpenSky® Plus Secured Visa® Credit Card accepts applicants with bad credit and doesn’t do a credit check when you apply.

Here are the easiest high limit credit cards you can get:

Credit limit: $500 minimum - $11,500 maximum

Ongoing rewards: 2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases), plus 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24

Annual fee: $0

Credit requirement: Fair credit (640+ credit score recommended)

Credit limit: $300 minimum - $3,000 maximum

Ongoing rewards: up to 10% cash back on purchases made with your OpenSky card at 40,000+ retailers

Annual fee: $0

Credit requirement: No Credit

Credit limit: $300 minimum - $10,000 maximum

Ongoing rewards: 1% cash back on all eligible purchases, up to 1.25% back after 6 months of on-time payments, and 1.5% cash back after 12 consecutive months of paying on time

Annual fee: $0

Credit requirement: No Credit

Credit limit: $300 minimum - $5,000 maximum

Ongoing rewards: Not Offered

Annual fee: $0

Credit requirement: Bad credit (300+ credit score recommended)

Keep in mind that only some credit cards list their minimum credit limits in the terms and conditions. With an unsecured credit card, your credit limit will be primarily set by your creditworthiness. So, if you are in the lower end of the spectrum of credit, it is best to aim for a secured credit card as the deposit you put down will generally act as your credit limit.

If you use your credit card responsibly, by making your payments on time and keeping your credit utilization low, you will eventually improve your credit score. This way you will be able to apply for one of the best high limit credit cards on the market.

This answer was first published on 04/08/22 and it was last updated on 03/27/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Easiest High Limit Credit Card to Get in 2024 (2024)

FAQs

Easiest High Limit Credit Card to Get in 2024? ›

One of the easiest high limit credit cards to get is the Citi Double Cash® Card. This card offers a minimum credit limit of $500 and cardholders report getting a starting credit limit as high as $11,500. The Citi Double Cash Card has a $0 annual fee and requires at least fair credit for approval.

What is the easiest credit card with the highest limit? ›

One of the easiest high limit credit cards to get is the Citi Double Cash® Card. This card offers a minimum credit limit of $500 and cardholders report getting a starting credit limit as high as $11,500. The Citi Double Cash Card has a $0 annual fee and requires at least fair credit for approval.

What credit card starts with the highest credit limit? ›

Best high-limit credit cards
CardBest forMinimum credit limit
Chase Sapphire Reserve®Premium travel$10,000
Chase Sapphire Preferred® CardEntry-level travel$5,000
Citi Double Cash® CardSimple cash back$500
Chase Freedom Unlimited®Bonus cash back$500
3 more rows
Mar 15, 2024

Is there a credit card that approves everyone? ›

First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.

How to get $50,000 credit card limit? ›

If you have excellent credit, high income and low credit utilization among other variables, issuers may offer you a credit line of $30,000 to $50,000. However, it's possible credit issuers offer a credit limit even higher than that.

How to get 100K credit limit? ›

To get a $100K credit limit from a credit card, you'll need to have an excellent credit score, a lot of income and little debt. You will also need to pick a credit card that is known for offering high credit limits to well-qualified applicants.

What credit card has a $100000 limit? ›

On our list, the Ramp Corporate Card and the Chase Ink Business Premier Preferred Credit Card offer the best opportunity to access a $100,000 credit limit. Ramp determines your spending limit based on factors like your cash-on-hands and monthly expenses, while Chase uses creditworthiness to calculate your credit limit.

How can I get a 20K credit card limit? ›

How to Achieve a $20K Credit Limit
  1. Apply for a High-Limit Card. Explore credit cards designed for individuals with good or excellent credit. ...
  2. Improve Your Credit Score. Your credit score is an important factor that card issuers consider when determining your credit limit. ...
  3. Increase Your Income.
Nov 16, 2023

How to get approved for a high credit limit? ›

Your income. If your income has recently increased, you're more likely to be approved since you should have more disposable income to pay off your balance. Your credit score. A high credit score suggests to lenders that you're responsible and will pay your bills on time.

What is the guaranteed approval credit card with $5000 limit with bad credit? ›

The U.S. Bank Altitude Go Visa Secured Card is the best option if you have limited/poor credit and are looking for a high credit limit. You can deposit anywhere from $300 to $5,000, making your maximum credit limit available $5,000.

What is the easiest credit card to get instant approval? ›

Here's a Summary of the Best Instant Approval Store Credit Cards
  • Prime Visa.
  • Capital One Walmart Rewards® Mastercard® *
  • Costco Anywhere Visa® Card by Citi *
  • Gap Good Rewards Credit Card *
  • Key Rewards Visa *
  • Target RedCard™ Credit Card *
  • MyLowe's Rewards Credit Card *
  • Kohl's Card *
Apr 24, 2024

Which bank gives easily credit cards? ›

Amazon Pay ICICI Credit Card is a co-branded credit card by ICICI Bank and Amazon Pay. It is also a popular card among the people. To get an Amazon Pay ICICI Credit Card, apply on the Amazon app. It is very easy to get for the beginners.

What is the #1 credit card to have? ›

The best credit card overall is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on all purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card in 2024 gives about 1% back.

How to get 10,000 credit card limit? ›

To get approved for a high limit credit card, you will need good to excellent credit and proof that you can afford a high spending limit. More specifically, your credit limit will be determined by several factors, including your income, assets, and existing debt obligations.

Does Chase give high credit limits? ›

The highest reported credit limit for Chase is $100,000, on the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®. A limit this high is naturally only available to people with excellent credit and a high income.

Is $25,000 a high credit limit? ›

Yes, $25,000 is a high credit card limit.

Is it hard to get a $10,000 credit limit? ›

If you have built up a solid credit history, a steady income and a good credit score, your credit limit may increase to $5,000 or $10,000 or more — plenty of credit to ensure you can purchase big ticket items.

What credit cards have a $20,000 limit? ›

For those looking for a Credit Cards with $20000 Limit Guaranteed Approval, there are several options available, including the Chase Sapphire Reserve, American Express Gold Card, Ink Business Preferred Credit Card, Capital One Venture X Rewards Credit Card, and the Chase Sapphire Preferred Card.

What credit card is the easiest to get? ›

How the easiest credit cards to get compare
  • Chime Credit Builder Secured Visa® Credit Card. ...
  • OpenSky® Plus Secured Visa® Credit Card. ...
  • Capital One Quicksilver Secured Cash Rewards Credit Card. ...
  • Self - Credit Builder Account with Secured Visa® Credit Card. ...
  • Capital One Quicksilver Student Cash Rewards Credit Card.
16 hours ago

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