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:
Rates & FeesCash Back:Citi Double Cash® CardCiti Double Cash® CardLearn MoreLearn Moreon issuer's website
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)
- Building Credit:OpenSky® Plus Secured Visa® Credit CardOpenSky® Plus Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website
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
- No Fees:Petal® 2 Visa® Credit CardPetal® 2 Visa® Credit CardLearn MoreLearn More
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
- Bad Credit:U.S. Bank Secured Visa® CardU.S. Bank Secured Visa® CardLearn MoreLearn More
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.
