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Best High Limit Credit Cards of 2017

Jennifer Blocker
Updated on: 11/08/2017

What you consider to be a high limit on a credit card might be subjective, but in general, $10,000 or more is pretty good. There are high-limit cards of all types, including consumer cards, business cards, charge cards and, of course, ultra-elite cards, such as the invitation-only Amex Black. This card has no preset spending limit, but it does come with a $5,000 initiation fee and a $2,500 annual fee. Below we cover more accessible high-limit cards for everyday people with stellar credit histories.

MasterCard’s top-of-the-line products usually carry the World or World Elite logos. These cards typically come with higher limits and better benefits. For Visa, Visa Signature cards have higher limits and more benefits, as do the Visa Infinite line of cards. They are more abundant in Europe, though they have started to make their way into the U.S. market.

For high-limit charge cards and business cards, you may want to turn to American Express. Discover also offers high-limit credit cards, and they give a bonus to new cardholders that doubles the first year of rewards.

9 Top Rated High-Limit Credit Cards

High-limit credit cards are not only for the rich and elite. If you have excellent credit and a decent income, try applying for cards that are known for having higher limits. Look for cards with labels that imply superiority, like platinum, diamond and preferred.

Keep in mind that many banks and co-branded credit cards will also offer the right clients limits of upwards of $10,000. Credit limits are not set in stone, nor can you get a guarantee as to what the limit will be. However, if the card has an annual fee, it will likely have a higher predetermined limit than no-fee cards.

Discover it® Miles Card
How to Apply

To apply for this offer please contact
Discover Bank

Intro APR on Purchases
0% intro APR for 14 months from date of account opening
Intro APR on Balance Transfers
10.99% intro APR for 14 months from date of first transfer, for transfers under this offer that post to your account by February 10, 2018
Regular APR
11.99% to 23.99% Variable±
Annual Fee
$0
Rewards Program
Discover it® Miles Rewards
Bonuses & Rewards
  • 1.5Miles on Airfare Purchases
  • 1.5Miles on Hotels
  • 1.5Miles on Gas
  • 1.5Miles on All Other Purchases
  • Unlimited 1.5X rewards on every purchase offer

    • Miles earned are matched at the end of the first year of cardmembership
    • We will reimburse up to $30 of your in-flight Wi-Fi purchases each year with automatic credits to your statement
  • No Foreign Transaction Fee

Featured Benefits

$30 In-Flight Wi-Fi Access

You will be reimbursed for up to $30 in purchases of wireless internet access on an aircraft per anniversary year. The statement credit will be issued for the purchase amount in U.S. dollars within seven business days.

No Foreign Transaction Fees

The Discover miles card does not charge foreign transaction fees so you can rest easy when you are abroad.

Why should you get this card?

  • Great Earning Potential: You always earn 1.5 miles per dollar spent, which equates to 1.5 percent cash back. Don’t settle for 1 percent! The Discover it Miles card is better.
  • Miles Can be Redeemed for Anything: You don’t have to wait until you have travel coming up to use your miles. Even though the Discover it Miles card earns Miles, it is a cash back card.
  • Miles Doubled for the First Year: At the end of your first year as a card member, Discover will match all of the miles you’ve earned!
  • $30 in Annual Wi-Fi Credits: Next time you have a long flight you can purchase Wi-Fi and have Discover cover the cost up to $30 per year.

Our Expert's Conclusion

The Discover it Miles card is wonderful for two types of people. The first, and most obvious, is for someone looking for a single credit card that’s easy to use and that can do it all. The Discover it Miles card is a great option because it earns 1.5 miles per dollar spent on all purchases and redemptions areone cent per mile toward any purchase. Plus thereare a couple of other nice benefits, like $30 in annual Wi-Fi credits and no foreign transaction fees. As a no-fee card, all of that is essentially free.

The second type of person that the Discover it Miles card is a great option for is someone who is looking to truly maximize rewards. The Discover it is basically a no-brainer for the first year because all miles are doubled , meaning that it effectively earns 3 miles per dollar spent (1.5 when you purchase and 1.5 at the end of the year). After the first year it deserves a spot in the wallet of someone who wants to maximize rewards for purchases not included in the bonus earning categories of their other rewards credit cards.

  • Get unlimited 1.5x Miles on every dollar you spend on purchases.
  • No annual fee.
  • We'll match all the Miles you've earned at the end of your first year (new cardmembers only). For example, 30,000 Miles turns to 60,000 Miles.
  • No blackout dates. Fly any airline, any time.
  • We will reimburse up to $30 of your in-flight Wi-Fi purchases each year with automatic credits to your statement.
  • Freeze ItSM on/off switch for your account.
  • Keep tabs on your FICO® Score.
  • You can always count on 100% US-based customer service, anytime. We will not waste your time selling you other products when you call us.
  • Your Miles never expire.
Venture® Rewards Credit Card
How to Apply

To apply for this offer please contact
Capital One®

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular APR
13.99% to 23.99% Variable±
Annual Fee
$0 first year, then $95
Rewards Program
Venture® Rewards
Bonuses & Rewards
  • 2xMiles on Travel, Dining and Car Rental
  • 2xMiles on Gas
  • 2xMiles on Hotels
  • 2xMiles on All Other Purchases
  • 50,000 bonus miles after you spend $3,000 on purchases within the first 3 months
  • No Foreign Transaction Fee
  • +No cap to the amount of rewards you can earn

Featured Benefits

Premium Hotel Benefits:

Enjoy perks, such as room upgrades and free breakfast, at over 900 Visa Signature Luxury Hotel Collection properties.

No Foreign Transaction Fee:

You’ll never have to pay additional fees to use your card while traveling abroad.

Complimentary Concierge Services:

24/7 assistance for dinner reservations, booking travel and special access to sporting and entertainment events.

Why should you get this card?

  • A Generous Sign-up Bonus: The 50,000-mile sign up bonus can be redeemed for $500 worth of travel.
  • Earnings Add up Quickly: Every dollar you spend earns 2 miles, not 1.5 or 1 like other cards. There are no categories or promotions to keep track of.
  • It’s Easy to Redeem Miles: Find the best travel deal, pay with your Venture Rewards card and redeem your miles for a statement credit to erase your purchase. Or just redeem your miles online from the Capital One Rewards Center.

Our Expert's Conclusion

With a sign-up bonus of 50,000 miles and the ongoing earning power of two miles for every dollar spent, there’s a good case for owning the Venture card. The $95 annual fee is waived the first year and you’ll have $460 to spend on travel once you’ve made the required $3,000 in purchases within the first three months. That makes this card a solid contender for your everyday spending. However, if you’re not going to be able to spend a minimum of $3,000 a year on the card, you would be better off selecting a card that has no annual fee.

  • Earn 50,000 bonus miles once you spend $3,000 on purchases within the first 3 months from account opening.
  • Earn unlimited 2X miles—that's 2 miles for every dollar you spend on purchases. 100 miles is equal to $1 in travel rewards.
  • Use your Venture® card to make travel purchases on any website or app—any airline, any hotel, rental cars and more.
  • Once you make a travel purchase with Venture, redeem your miles as a statement credit toward the cost. Your rewards don't expire.
  • No foreign transaction fees.
  • You're covered by $0 Fraud Liability if your card is ever lost or stolen.
Citi® / AAdvantage® Platinum Select® World Elite™ MasterCard®
How to Apply

To apply for this offer please contact
Citibank

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular APR
16.99% to 24.99% Variable±
Annual Fee
$0 first year, then $95
Rewards Program
AAdvantage®
Bonuses & Rewards
  • 2xMiles on American Airlines Purchases
  • 1xMiles on Dining
  • 1xMiles on Gas
  • 1xMiles on All Other Purchases
  • 60,000 bonus miles after making $3,000 in purchases within the first 3 months
    • 10% of your redeemed AAdvantage® miles back
  • No Foreign Transaction Fee
  • %25% savings on purchases on American Airlines flights

Featured Benefits

In-Flight Savings:

Receive a 25 percent discount on eligible in-flight food and beverage purchases when you use your AAdvantage credit card on American Airlines flights.

Priority Boarding:

Get on board American Airlines flights early and claim that overhead bin space before it fills up.

Free Checked Bag:

First checked bag is free on domestic American Airlines itineraries for you and up to four companions.

Why should you get this card?

  • Good Sign-Up Bonus: The standard 60,000 -mile sign-up bonus is worth at least $450 in flights and can easily get you a domestic round-trip ticket.
  • Free Checked Bag: You and up to 5 people on your itinerary get a free checked bag. That’ll save you $50 per person per bag for a round-trip flight.
  • 10% Miles Refund: Get 10 percent of your miles back after redeeming them for flights. That’s basically a discount on every booking.

Our Expert's Conclusion

If you fly American Airlines, the AA credit card can be a great value for the money. The sign-up bonus in conjunction with the waived annual fee for the first year makes it a risk-free proposition. And 60,000 AAdvantage miles can take you on a round-trip journey to any destination in the U.S., Canada, Mexico, the Caribbean or Central America.

Then there are the perks and benefits you’ll enjoy at no additional cost, such as free checked bags, a 10 percent mile refund and reduced mileage awards. Even double miles for American Airlines purchases is a worthy benefit, considering how hard it is to earn AAdvantage miles since the cheapest seats now earn only half the standard miles.

  • Earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening.
  • Earn 2 AAdvantage® miles for every $1 spent on American Airlines purchases.
  • Earn 1 AAdvantage® mile for every $1 spent on other purchases.
  • Earn 10% of your redeemed AAdvantage® miles back – up to 10,000 AAdvantage® miles each calendar year.
  • Fly to great destinations on American Airlines operated flights for up to 7,500 fewer AAdvantage® miles! So you'll save your AAdvantage® miles for another trip. Visit aa.com/reducedmileageawards for more information.
  • No Foreign Transaction Fees on purchases.
  • Annual Fee: $95 (Fee waived for the first 12 months).
  • First checked bag is free.
  • Enjoy Group 1 Boarding on American Airlines domestic flights.
  • Receive a 25% savings on eligible in–flight food and beverage purchases when you use your card on American Airlines flights.
Barclaycard Arrival Plus™ World Elite MasterCard®
How to Apply

To apply for this offer please contact
Barclaycard

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% introductory APR for the first twelve billing cycles following each balance transfer that posts to your account within 45 days of account opening
Regular APR
16.99% to 23.99% Variable±
Annual Fee
$0 first year, then $89
Rewards Program
Barclaycard Arrival Rewards
Bonuses & Rewards
  • 2xMiles on Travel, Dining and Car Rental
  • 2xMiles on Gas
  • 2xMiles on Hotels
  • 2xMiles on All Other Purchases
  • 40,000 bonus miles after you spend $3,000 in the first 90 days
    • 5% miles back to use toward your next redemption, everytime you redeem
  • No Foreign Transaction Fee

Featured Benefits

24/7 Concierge:

You have access to a complimentary concierge any time of day. This service works like a personal assistant to help with reservations, hard-to-find items, and more.

No foreign transaction fee:

You can earn miles outside the U.S. without worrying about extra fees.

Why should you get this card?

  • Valuable Sign-Up Bonus: This card comes with a sign-up bonus worth $400 toward any travel purchase.
  • Excellent Everyday Earning: You’ll get 2 miles for each dollar you spend. That will add up fast.
  • Easy to Redeem: Your miles aren’t tied to a loyalty program. Just buy the flight you want and redeem miles toward that purchase. There are no blackout dates or limited award space.

Our Expert's Conclusion

The short answer is absolutely. Depending on your travel and spending habits, this card may or not make sense for you after the first year when you start paying the annual fee, but earning 40,000 miles after meeting the minimum spend and earning 2X miles on all purchases are tremendous benefits. Not only that, but if this becomes your go-to card, miles will rack up fast, and with the 5 percent redemption bonus, that’s like earning 2.1 percent back on every purchase, every day. This card is just as good as any other cashback card currently on the market.

  • 40,000 bonus miles after spending $3,000 on purchase in the first 90 days.
  • Earn 2X miles on all purchases.
  • Get 5% miles back to use toward your next redemption, every time you redeem.
  • Miles don't expire as long as your account is open, active and in good standing.
  • No foreign transaction fees on anything you buy while in another country.
  • Redeem your miles for travel statement credits starting at 10,000 miles for $100 toward all or a portion of your travel purchase of $100 or more made within the past 120 days.
  • 0% introductory APR for the first twelve billing cycles following each balance transfer that posts to your account within 45 days of account opening.
  • $89 annual fee waived for the first year.
Gold Delta SkyMiles® Credit Card
How to Apply

To apply for this offer please contact
American Express

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular APR
16.74% to 25.74% Variable±
Annual Fee
$0 first year, then $95
Rewards Program
SkyMiles®
Bonuses & Rewards
  • 2xMiles on Delta Purchases
  • 1xMiles on Dining
  • 1xMiles on Gas
  • 1xMiles on All Other Purchases
  • 30,000 bonus miles after you spend $1,000 in purchases in your first 3 months
    • $50 statement credit after you make a Delta purchase within first 3 months
  • No Foreign Transaction Fee
  • %20% in-flight savings

Featured Benefits

Free Checked Bag:

Delta Gold card holders will receive one free checked bag for themselves and anyone else traveling on the same reservation. That can save you up to $50 per person on round-trip flights.

Lounge Access:

Get into the Delta Sky Club for only $29 per person with the ability to bring in up to two guests for the same cost. Valid only when flying with Delta.

In-flight Savings:

Save 20 percent on food, beverages and audio headsets.

Why should you get this card?

  • Great Sign-Up Bonus: Earn 30,000 miles after spending just 1,000 in 4 months. That’s enough for a free round-trip flight within the U.S.
  • Free Checked Bags: Get your first checked bag free on every Delta flight for yourself and companions traveling on the same itinerary. Savings can be up to $50 roundtrip per person. That can add up quickly!
  • Priority Boarding: Get Zone 1 boarding when you are flying Delta. You won’t have to worry about finding space for your carry-on!
  • Reduced Fee for Delta Sky Club Access:You and up to two guests can access a Delta Sky Club Lounge for just $29 per person.

Our Expert's Conclusion

The Gold Delta SkyMiles Credit Card makes the most sense for people who often fly on Delta, but don’t have elite status. Cardholders get a free checked bag, priority boarding and discounted lounge access. Those are some nice perks that are typically reserved for elite status holders. The annual anniversary bonus makes this card relatively cheap to have. For anyone that flies at least 2 to 3 times a year on JetBlue, the free checked bag benefit alone can pay for the card.

The free checked bag benefit can be particularly valuable. You and anyone on your itinerary get one free checked bag each. That’ll save you $25 per bag for each flight, so it’s easy to quickly recoup the $95 annual fee.

  • Earn 30,000 Bonus Miles after you make $1,000 in purchases on your new Card within your first 3 months.
  • 2 miles on every dollar spent on purchases made directly with Delta.
  • 1 mile on every eligible dollar spent on purchases.
  • $0 introductory annual fee for the first year, then $95.
  • $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • You can check your first bag for free and save up to $50 on a round-trip Delta flight.
  • No Foreign Transaction Fees.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets. Some in-flight purchases do not apply.
  • Priority Boarding.
Premier Rewards Gold Card from American Express
How to Apply

To apply for this offer please contact
American Express

Bonuses & Rewards
Annual Fee
Rewards Program
Rating
Bonuses & Rewards
  • 3xPoints on Airfare
  • 2xPoints on Dining, Hotels, Travel, Gas and Groceries
  • 1xPoints on Car Rental
  • 1xPoints on All Other Purchases
Annual Fee
$0 first year, then $195
Membership Rewards®
Rating
95
  • 25,000 bonus points after you spend $2,000 within the first 3 months.
  • No Foreign Transaction Fee
  • $100 airline fee credit

Featured Benefits

Free checked bags:

First and second checked bags are free for cardholders

The Hotel Collection:

Get a $75 credit for activities if you book two consecutive nights at participating hotels through Amex Travel.

Airline Fee Credit:

Get an annual $100 fee credit that can cover bag fees, in-flight purchases, change fees and more with one airline of your choice.

Why should you get this card?

  • Great Earning Potential: You’ll get bonus points for airfare booked directly with airlines, dining out, fuel and snacks at gas stations, groceries at supermarkets and Uber rides—and there’s no cap on the number of points you can earn. Points will add up quickly, and so will your trips!
  • $100 Airline Fee Credit: The airline fee credit can be used toward checked bags, seat upgrades, taxes on award flights and onboard meals and entertainment. It’s even possible to buy gift cards from some airlines for later use. The credit applies automatically whenever an eligible charge is made.
  • Sign-Up Bonus: Although not the biggest sign-up bonus we’ve seen for an Amex card, 25,000 Membership Rewards points are enough to book a round-trip domestic flight. If travel is not in your plans at the moment, the points are worth at least $250 in statement credits.

Our Expert's Conclusion

If you’re in the market for a travel rewards cards with fantastic earning potential, the Premier Rewards Gold card is it. In fact, no other Membership Rewards card offers such significant reward rates. Additionally, you can earn 25,000 points for spending $2,000 in the first three months.

The points can be transferred to partners or used as cash through the Amex travel center, which offers a choice for purchasing a ticket with points when award seats aren’t available. Flexibility in both earning and redeeming is one of the strongest features of this card.

  • Earn 25,000 Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Memership.
  • $0 intro annual fee for the first year of Card Membership, then $195.
  • No interest charges because you pay your balance in full each month.
  • 3X points for airfare purchased directly from airlines.
  • 2X points at US restaurants, US gas stations, and at US supermarkets.
  • Earn 2X Membership Rewards points at amextravel.com.
  • 1X points on other purchases.
  • You can get 2x Membership Rewards® points per eligible dollar spent, in addition to a $75 hotel credit to spend on qualifying dining, spa, and resort activities when you book a stay of at least two consecutive nights at participating properties, at americanexpress.com/hc.
  • No foreign transaction fees.
  • $100 Airline Fee Credit.
  • Membership Rewards® program - use points for rewards from over 500 leading brands in travel, gift cards, merchandise, or entertainment. You can transfer points to our selection of frequent traveler programs.
Citi ThankYou® Premier Card
How to Apply

To apply for this offer please contact
Citibank

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular APR
15.49% to 24.49% Variable±
Annual Fee
$0 first year, then $95
Rewards Program
ThankYou®
Bonuses & Rewards
  • 3xPoints on Travel, Gas, Airfare, Hotels, Cruises, Car rental and Railways
  • 2xPoints on Dining and Entertainment
  • 1xPoints on Groceries
  • 1xPoints on All Other Purchases
  • 30,000 points after you spend $3,000 in the first 3 months
    • 25% more points when redeemed through the ThankYou® Travel Center
  • No Foreign Transaction Fee

Featured Benefits

No Foreign Transaction Fees:

Never pay an extra fee to use this card outside the U.S.

Concierge Service:

Citi Concierge provides help with travel, shopping and dining.

Why should you get this card?

  • Sign-Up Bonus: Earn 30,000 Citi ThankYou points worth at least $459 in travel, all without paying an annual fee for the first year.
  • Great Earning Potental: Generous double and triple point-earning categories, including all travel and gas purchases.
  • Discount on ThankYou Travel Purchases: Get a 25 percent rebate when redeeming for travel through the ThankYou Rewards travel portal.
  • Flexible Redemption Options:You’ll always find a use for your points with 12 airline transfer partners.

Our Expert's Conclusion

You can get excellent value out of ThankYou points, particularly if you transfer them to airlines and redeem for expensive premium cabin tickets. If you are a traveler that often books the cheapest economy class ticket, then there can also be strong value in redeeming points through the ThankYou program’s travel portal thanks to the 25 percent discount offered by this card.

If you are interested in domestic award travel or simple award redemptions, this card may prove to be too complex. Instead, consider cards with more domestic transfer partners. You may not get quite the same value for your points, but there will be more availability and easier redemptions.

  • Earn 30,000 bonus points after making $3,000 in purchases within the first 3 months of account opening.
  • 3 ThankYou Points per $1 spent on travel including gas, airfare, hotels, cruises, car rental agencies, travel agencies, railways, public transportation, tolls, taxis, parking and much more.
  • 2 ThankYou Points per $1 spent on dining out and entertainment.
  • 1 ThankYou Points on other purchases.
  • ThankYou® Points are worth 25% more when redeemed for airfare through the ThankYou® Travel Center, as compared to gift cards redeemed from the ThankYou® Rewards collection.
  • No foreign transaction fees on purchases.
  • Annual Fee $95(Fee waived for the first 12 months).
  • No expiration and no limit on the number of points you can earn.
  • Transfer points to a variety of travel loyalty programs from airlines to hotels.
Expedia® + Card from Citi
How to Apply

To apply for this offer please contact
Citibank

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Regular APR
15.99% to 23.99% Variable±
Annual Fee
$0
Rewards Program
Expedia®+ Rewards
Bonuses & Rewards
  • 3xPoints on Airfare, Hotels, Activities and Travel
  • 1xPoints on Dining
  • 1xPoints on Gas
  • 1xPoints on All Other Purchases
  • 15,000 bonus points after you spend $1,000 in the first 3 months
    • One Elite Qualifying Hotel Night for each increment of $2,500 in purchases between January and December billing statements
  • 3% of each transaction in U.S. dollars

Featured Benefits

Citi Concierge:

Get instant assistance with travel, shopping, dining and entertainment needs.

Elite Status with Expedia+:

Instant Silver status, which includes bonus points for bookings and special perks at select hotels.

Citi Private Pass:

Enjoy special access to thousands of events every year, including presale tickets and VIP packages to concerts, sporting events, dining experiences and more.

Why should you get this card?

  • Expedia+ Silver Status: Earn automatic Silver status with this no annual fee card.
  • Sign-Up Bonus: Earn a 15,000-point sign-up bonus after completing minimum spending requirements. This bonus is worth $200 when redeemed for +VIP Access hotels.
  • Earn Higher Status With Spending: For every $2,500 you spend on your Expedia+ card, you’ll earn one night toward Expedia+ Gold status.

Our Expert's Conclusion

The Expedia+ card is a decent option for someone looking for a simple, no annual fee travel rewards card. But that’s only if you book through Expedia because those are the only purchases that will earn bonus points. All other purchases earn just one point per dollar. The card makes the most sense for someone who makes some or all of their travel bookings with Expedia.

Additionally, since the Expedia+ card offers automatic Silver status and the ability to earn Gold status through spending, you’ll see more benefits from your hotel stays if you have this card. If you never book hotels through Expedia, this benefit will not be helpful to you at all.

  • Earn 15,000 Expedia+ bonus points after $1,000 in purchases within 3 months of account opening.
  • Earn 3 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and travel packages.
  • Earn 1 Expedia+ point per $1 spent on other purchases.
  • Earn one Elite Qualifying Hotel Night towards Expedia+ gold status qualification for each increment of $2,500 in purchases made on the card between your January and December billing statements.
  • Expedia+ silver status is complimentary for as long as you are a cardmember.
  • No limit to the number of Expedia+ bonus points you can earn and points won't expire as long as you earn or redeem points every 18 months.
  • Worldwide Travel Accident Insurance.
  • Worldwide Car Rental Insurance.
  • Lost Baggage Protection.
  • Extended Warranty.
  • Damage & Theft Purchase Protection.
  • Citi® Concierge.
  • Citi® Cards with Apple Pay®.
JetBlue® MasterCard®
Raiting: 80/100
JetBlue® MasterCard®
How to Apply

To apply for this offer please contact
Barclaycard

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% introductory APR for the first twelve billing cycles following each balance transfer that posts to your account within 45 days of account opening
Regular APR
12.99% to 25.99% Variable±
Annual Fee
$0
Rewards Program
TrueBlue
Bonuses & Rewards
  • 3xPoints on JetBlue Purchases
  • 2xPoints on Dining and Groceries
  • 1xPoints on Gas
  • 1xPoints on All Other Purchases
  • 10,000 bonus points after you make $1,000 within the first 3 month
  • No Foreign Transaction Fee
  • %50% in-flight savings

Featured Benefits

In-Flight Savings:

50% savings on eligible in-flight purchases, including cocktails and food.

No Foreign Transaction Fee:

Use this card while traveling abroad without fear of incurring extra transaction fees.

Why should you get this card?

  • Great Earning Potential: The card has 3 bonus categories: 3X on JetBlue purchases, 2X at restaurants and 2X at grocery stores.
  • Sign-Up Bonus: This card comes with a nice sign-up bonus of 10,000 points, which only requires $1,000 in minimum spend.
  • No Annual Fee: Opening this card is low-risk since there is no annual fee that needs to be recouped. Feel free to hold this card in your wallet long term.
  • In-flight Discounts: Receive a 50% discount on in-flight purchases of food and beverages on JetBlue flights.

Our Expert's Conclusion

The JetBlue card is a great card for casual JetBlue travelers. The lack of an annual fee makes the card free to hold. For anyone that spends a lot of money at grocery stores or at restaurants, the bonus categories on this card allow you to rack up a significant amount of points quickly. If you only fly JetBlue a few times a year and perhaps would not get enough value out of a card with better benefits that also carries and annual fee, this card may be for you.

  • Earn 10,000 bonus points after you spend $1,000 on purchases in the first 90 days.
  • 3X points on JetBlue purchases.
  • 2X points at restaurants and grocery stores.
  • 1X points on all other purchases.
  • 50% inflight savings on cocktails and food purchases.
  • No foreign transaction fees.
  • No blackout dates on JetBlue-operated flights.
  • Redeem for any seat, any time on JetBlue-operated flights.
  • $0 Fraud Liability protection.
  • Points awarded to your TrueBlue account don't expire.
  • Chip technology.

Compare High-Limit Credit Cards

Compare all credit cards by RE® Value, which is an estimate of how much you will earn during first year of credit card use minus annual fees.

Credit Card
Bonuses & Rewards
First Year Rewards
FEES
RE® value
Venture® Rewards Credit Card

Venture® Rewards Credit Card

Bonuses & Rewards
  • 50,000 miles sign-up bonus.
  • 48,000 miles for everyday spend.
First Year Rewards
$980
FEES
-$0
RE® value
$980
How to Apply

To apply for this offer please contact
Capital One®

More Details
Premier Rewards Gold Card from American Express

Premier Rewards Gold Card from American Express

Bonuses & Rewards
  • 25,000 points sign-up bonus.
  • 24,000 points for everyday spend.
First Year Rewards
$987
FEES
-$0
RE® value
$987
How to Apply

To apply for this offer please contact
American Express

More Details
Gold Delta SkyMiles® Credit Card

Gold Delta SkyMiles® Credit Card

Bonuses & Rewards
  • 30,000 miles sign-up bonus.
  • 24,000 miles for everyday spend.
First Year Rewards
$910
FEES
-$0
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Citi® / AAdvantage® Platinum Select® World Elite™ MasterCard®

Citi® / AAdvantage® Platinum Select® World Elite™ MasterCard®

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Expedia® + Card from Citi

Expedia® + Card from Citi

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Citi ThankYou® Premier Card

Citi ThankYou® Premier Card

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Barclaycard Arrival Plus™ World Elite MasterCard®

Barclaycard Arrival Plus™ World Elite MasterCard®

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JetBlue® MasterCard®

JetBlue® MasterCard®

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Discover it® Miles Card

Discover it® Miles Card

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Alaska Airlines Visa® Business Card

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Tips for Getting a Higher Credit Limit

There are many reasons to want a higher credit limit. If you are a responsible spender, it can improve your credit score and give you more security. While there are several ways to increase your credit limit, there are also some things you should avoid in the process.

The following strategies to increase your credit limit should not be attempted simultaneously because each one can trigger a hard inquiry. That can damage your credit score. If you are going to try several of the suggestions below, be sure to allow for some time between each attempt.

What to Do

  • Tip #1: Apply For a New Card

    If you are seeking a high credit limit, one way is to apply for a new card. You may want to apply for a card with a bank you have another card with so you can combine your limits. Or you can try a new lender altogether. Although credit limits are determined by income and credit history, some credit cards are aimed at those seeking higher credit limits. If you have excellent credit, you can apply for these types of cards.

  • Tip #2: Merge Credit Lines From the Same Lender

    If you have several credit cards with a particular bank, they may allow you to consolidate the limits to one card. For instance, if you have three cards with Chase that each have a $1,500 limit, you may be able to have all or some of the limit transferred to a single card. If you are considering closing accounts to transfer the limit, you may want to keep open the card you have had the longest to keep your credit age longer.

    If you have had several cards for a significant amount of time, you may want to keep the card that offers the best rewards. Once you have consolidated all your limits, other lenders may be more likely to give you a bigger limit on a new card.

  • Tip #3: Ask for a Credit Line Increase

    Don’t tell them why you need an increase, tell them why you deserve it. Don’t call them and say you need to buy x, y and z. Banks don’t like desperation. You never want to seem needy. Instead present them with reasons why you deserve the increase.

    Remind the creditor that you consistently pay your bills on time and that you are loyal to the bank. Tell them how long you have been a customer. Be sure and let them know if you have had an increase in income or a change in occupation. Also, inform them if you have paid off other existing accounts which lowered your debt to income ratio. Have a game plan ready before making the request.

    Getting a credit line increase can be as easy as a phone call. Some credit card companies provide an automated option on their websites to request a credit increase. You could also e-mail customer service to get the ball rolling.

What to Avoid

  • Tip #1: Don’t Ask for an Increase On a New Card

    If you have had it for less than six months, it is not likely you will be granted an increase. If they thought you were worthy of a higher limit they would have granted it to you when you applied. Keep time on your side. Some credit card issuers grant automatic increases after periodic reviews, so you may not need to request one at all.

  • Tip #2: Don’t Ask for Increases on Several Cards at the Same Time

    This will not increase your chances,and it may ruin them. When you ask for a credit line increase the lender will do a hard inquiry. Not only will you lose some points on your credit score every time you get a hard inquiry, but lenders don’t like to see several hard inquiries in a short amount of time. This can look desperate to lenders, which will make you appear risky.

  • Tip #3: Don’t Ask for Too Much of an Increase

    Don’t get greedy. A credit line request should be in the range of 10 to 25 percent of your current limit. Asking for too much can be a red flag to lenders. This can result in a denial. Also, don’t expect the customer service rep to be able to say how much you may be granted because they are not allowed to do that.

Reasons to Have a High-Limit Credit Card

Credit cards are popular for the rewards they can shower on those that use them wisely. But they are good for more than just rewards and travel benefits. Although many high-limit cards are aimed at those with excellent credit and high incomes, there are also many benefits an average Joe can get from a high-limit credit card. So, what can a high-limit credit card do for you?

  • Reason #1: Improve Your Credit Score

    Having a high-limit credit card can bode well for your credit score. Your credit utilization has a big impact on your credit score, account for about 30 percent of it. Your credit utilization is the amount of credit you are using compared to the total limit. It is recommended to never use more than 30 percent of your limit on any single card. The higher the usage, the more it can lower your credit score. Therefore, having a credit card with a high limit makes it easier to keep your credit utilization low.

  • Reason #2: Consolidate Your Debt

    If you are going to use your high-limit credit card for debt consolidation, you are going to want to look for a card that has a promotional 0% APR for balance transfers.

    The Barclaycard Arrival Plus™ World Elite MasterCard® offers 0% APR on balance transfers that are made within 45 days of account opening. The balance transfer fee is 3 percent. You can also earn 40,000 bonus miles after spending $3,000 within the first 90 days of account opening, which is has a value of $421. This card also awards double miles on all purchases. When you redeem your miles, you will also earn 5 percent back.

    This card is a World Elite MasterCard which comes with top-of-the-line cardholder benefits, such as trip cancellation insurance, price protection and extended warranty service. This card has an $89 annual fee, which is waived the first year.

  • Reason #3: In Case of Emergencies

    A high-limit credit card can provide security. If there’s an emergency or unexpected expense, like a car or home repair, you know you will have the funds to cover it. Don’t wait until you have the need; preparation is an important part of success. You need to be prepared for the unknown and whatever may come.

    Even if you have several cards that together give you high spending limits, maxing them out will cause your credit utilization to shoot up and your credit score to slump. That can take away your ability to get more credit, which you may need more than ever if there’s an emergency.

    If you want a high-limit card to hold on to for the long term, you may want to consider one with no annual fee, such as the Discover it® Miles Card. You’ll also earn 1.5x rewards on all purchases with the card.

  • Reason #4: Finance a Purchase

    A credit card that has a high limit can be a great alternative for financing a large purchase. I would caution those looking to make a large purchase to avoid store credit cards and anything referred to as special financing.

    Store credit cards are notorious for high interest rates and deferred interest. You may get an interest-free period, but as part of your financing agreement you will be slapped with all of the interest going back to the original purchase date if you do not pay the balance in full within the agreed upon time period. Many store cards have interest rates upwards of 23.99 percent, so it can amount to a large sum.

    If you use a high-limit rewards credit card instead, you won’t be penalized if you do not pay the entire balance as long as you continue to make the monthly payment. More importantly, you won’t end up paying a lump sum of interest. Instead, you can get a lump sum of rewards.

FAQs

Need more info? Check out our FAQ. If you have any questions, don't hesitate to leave a comment below.

  • The highest credit limit possible would be no limit at all, but many experts consider a limit of $10,000 or more to be a high. Limits on credit cards can go much higher than that, though.
    To be invited to apply for the Amex Black card, you must first have the Platinum Card® from American Express card and spend and repay $250,000. I’m sure there are plenty of other criteria as well, including a sufficient income. However, this is a widely-known requirement.
  • If you are interested in getting a high-limit credit card, you must have excellent credit. Don’t even think of applying for one if you have fair or bad credit. You will just end up with a denial, and you will lose some points on your credit score. Even if you have good credit, you may receive a high-limit card and not get the same limit as someone with excellent credit.
    However, just because you have excellent credit it does not make you a shoe-in for a card. Some banks have implemented bank-specific restrictions to prevent credit card churning. Credit card churning is when you get new credit cards often just to take advantage of their sign-up bonuses.
    One of the most widely known bank-specific restrictions is the Chase 5/24 rule. If you have opened more than five cards in a 24-month period, you’ll probably be denied for a new Chase card. This rule includes all card accounts, not just those with Chase.
    Amex only allows cardholders to have four American Express cards open at any one time, and they only give one bonus per card per lifetime. Therefore, if you close the account and apply for the card again, you will not be eligible for the bonus. You may get an automatic denial from Citibank, too, if you apply for more than two cards in a 65-day window.
    Keep in mind that you can always call the reconsideration line if you’re denied. Sometimes denials happen because of these or other bank-specific restrictions. However, if you have excellent credit you may receive the card after pleading your case.
  • There are several factors that go into setting your credit limit, such as your credit history and income. When looking at your credit history, issuers will look at your accounts and what you have been lent by others. There are other factors that help determine your credit limit, too.
    If you applied for a card and got a limit much lower than you are used to, don’t take it personally. It may be the credit card itself. Some issuers may offer cards with predetermined limits. The limit may be based on the tier of the card.
    For example, the basic card may have a $500 limit, the gold card a $1,000 limit and the platinum card a $5,000 limit. You can apply for any of the cards, but you must meet the credit score and income requirements to receive it.
    However, this predetermination of limits does not apply to all cards. Many banks use a variety of factors to determine your limit. They can factor in any consideration they can find, such as bankruptcy.
    Lenders may also consider your debt to income ratio; they will look at how much you owe and how much you make. This number is a percentage of you monthly expenses divided by your monthly income.
    For example, if you have monthly debt payments that total $2,000, including $1,500 for your mortgage, $200 for a car payment and $300 in credit card payments, and you divide that by your gross monthly income of, let’s say, $8,000, that would be 25 percent. The magic number you want is 43 percent or less. This is the highest DTI (debt to income) ratio one can have and still qualify for a mortgage.
    However, if you make hundreds of thousands of dollars and happen to be hundreds of thousands in debt, you may still end up being denied for a card despite the fact that your credit score is excellent and your credit utilization remains below 30 percent. It is all a matter of judgment. There are many factors that are considered in conjunction with bank-specific requirements.
  • The best high-limit credit card is one that you will be approved for, has a good sign-up bonus and earns rewards. The specific card will depend on your spending habits and what you are looking to get out of the card.
    If you are planning on carrying a balance, than the interest rate is an important consideration. Keep in mind paying interest takes away from the value of any rewards you might earn. If you plan on using the card to finance a large purchase, look for a 0% promotional interest rate. If you want to consolidate debt, look for a promotional rate for balance transfers and be sure to consider the balance transfer fee.
    If you travel often, some high-limit credit cards come with unprecedented travel perks and other benefits. Many of these cards may come with a hefty annual fee, but for many the benefits are worth it. Many times, the value of benefits can far outweigh even the highest of annual fees. Consider things liked free checked bags, free lounge access, companion airline tickets and travel credits.
    Other cardholder benefits may include things like price protection and extended warranty service, which can be especially important when you are about to drop a large sum of money on one item.
  • A charge card must be paid in full by the end of the billing cycle. A credit card allows a balance to be carried that can be paid little by little over time. American Express offers charge cards. The only other major issuer of charge cards is Diners Club.
    Charge cards don’t have a pre-set spending limit, but this does not mean there is no limit at all. The good thing about charge cards is that you don’t have to pay interest. However, one can incur late fees if the balance is not paid on time.
    Charge cards used to be popular for the many benefits they offered to cardholders. Nowadays, there are many credit cards that rival and even surpass those benefits, hence the decline in popularity of charge cards.
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