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This question is about High Limit Credit Cards
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Lisa Cahill, Credit Cards Moderator
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The best credit card with a $10,000 limit is the Chase Sapphire Reserve® card because it offers a minimum credit limit of $10,000 along with elite travel rewards and benefits. Chase Sapphire Reserve is a particularly good option for big spenders with excellent credit. Chase Sapphire Reserve has a $550 annual fee, but if you're a frequent traveler, its rewards can help offset this cost.
It's worth noting that most credit cards will only list minimum spending limits in their terms. The best high-limit credit cards, though, will offer spending limits of $10,000 or more to the most creditworthy applicants.
Best Credit Cards With a $10,000+ Credit Limit
Chase Sapphire Reserve®Minimum Credit Limit: $10,000
Initial Bonus: 75,000 bonus points for spending $4,000 in the first 3 months
Ongoing Rewards: a total of 10 points per $1 spent on hotels and car rentals booked through Chase, a total of 10 points per $1 spent on prepaid restaurant reservations or takeout orders made through Chase, a total of 5 points per $1 spent on flights purchased through Chase, 3 points per $1 spent on all other travel and dining purchases, and 1 point per $1 on all other purchases
Foreign Transaction Fee: $0
Annual Fee: $550
Minimum Credit Required: Excellent
- Bank of America® Premium Rewards® Elite Credit Card
Minimum Credit Limit: $10,000
Initial Bonus: 75,000 points after spending $5,000 in purchases in the first 90 days
Ongoing Rewards: 2 points per dollar spent on travel and dining purchases and 1.5 points per dollar on all other purchases
Foreign Transaction Fee: $0
Annual Fee: $550
Minimum Credit Required: Excellent
- Chase Sapphire Reserve®
Minimum Credit Limit: $10,000
Initial Bonus: 75,000 bonus points for spending $4,000 in the first 3 months
Ongoing Rewards: a total of 10 points per $1 spent on hotels and car rentals booked through Chase, a total of 10 points per $1 spent on prepaid restaurant reservations or takeout orders made through Chase, a total of 5 points per $1 spent on flights purchased through Chase, 3 points per $1 spent on all other travel and dining purchases, and 1 point per $1 on all other purchases
Foreign Transaction Fee: $0
Annual Fee: $550
Minimum Credit Required: Excellent
- United Club℠ Infinite Card
Minimum Credit Limit: $15,000
Initial Bonus: 80,000 miles after you spend $5,000 in the first 3 months
Ongoing Rewards: 4 miles per $1 spent with United, 2 miles per $1 spent on all other travel, on dining and eligible delivery services, and 1 mile per $1 spent on all other purchases
Foreign Transaction Fee: $0
Annual Fee: $525
Minimum Credit Required: Excellent
- Ink Business Premier® Credit Card
Minimum Credit Limit: $10,000
Initial Bonus: $1,000 for spending $10,000 in the first 3 months
Ongoing Rewards: 5% cash back on travel through Chase, 2.5% back on every purchase totaling at least $5,000, as well as 2% back on all other purchases
Foreign Transaction Fee: $0
Annual Fee: $195
Minimum Credit Required: Good
Credit limits are based largely on your income, debt, and credit history. So, the more money you make and the better your credit is, the higher the credit limit you can expect. It’s possible to get a $10,000 limit on many credit cards, but finding cards with definite $10,000 minimums is difficult. Feel free to also check out our editors' picks for the best high limit credit cards and pick one according to your individual needs.
This answer was first published on 02/08/21 and it was last updated on 05/20/24. 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.
Bank of America® Premium Rewards® Elite Credit CardMinimum Credit Limit: $10,000
Initial Bonus: 75,000 points after spending $5,000 in purchases in the first 90 days
Ongoing Rewards: 2 points per dollar spent on travel and dining purchases and 1.5 points per dollar on all other purchases
Foreign Transaction Fee: $0
Annual Fee: $550
Minimum Credit Required: Excellent
- Chase Sapphire Reserve®
Minimum Credit Limit: $10,000
Initial Bonus: 75,000 bonus points for spending $4,000 in the first 3 months
Ongoing Rewards: a total of 10 points per $1 spent on hotels and car rentals booked through Chase, a total of 10 points per $1 spent on prepaid restaurant reservations or takeout orders made through Chase, a total of 5 points per $1 spent on flights purchased through Chase, 3 points per $1 spent on all other travel and dining purchases, and 1 point per $1 on all other purchases
Foreign Transaction Fee: $0
Annual Fee: $550
Minimum Credit Required: Excellent
- United Club℠ Infinite Card
Minimum Credit Limit: $15,000
Initial Bonus: 80,000 miles after you spend $5,000 in the first 3 months
Ongoing Rewards: 4 miles per $1 spent with United, 2 miles per $1 spent on all other travel, on dining and eligible delivery services, and 1 mile per $1 spent on all other purchases
Foreign Transaction Fee: $0
Annual Fee: $525
Minimum Credit Required: Excellent
- Ink Business Premier® Credit Card
Minimum Credit Limit: $10,000
Initial Bonus: $1,000 for spending $10,000 in the first 3 months
Ongoing Rewards: 5% cash back on travel through Chase, 2.5% back on every purchase totaling at least $5,000, as well as 2% back on all other purchases
Foreign Transaction Fee: $0
Annual Fee: $195
Minimum Credit Required: Good
Credit limits are based largely on your income, debt, and credit history. So, the more money you make and the better your credit is, the higher the credit limit you can expect. It’s possible to get a $10,000 limit on many credit cards, but finding cards with definite $10,000 minimums is difficult. Feel free to also check out our editors' picks for the best high limit credit cards and pick one according to your individual needs.
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