topic Re: Who's Giving Out High Limits Now Days? in Credit Cards

Who's Giving Out High Limits Now Days?

hduncan80 — Wed, 31 Dec 2025 23:49:48 GMT

Since we lost Jovia and several other unions to geo restrictions, who are the big limit unions now?

Re: Who's Giving Out High Limits Now Days?

BrutalBodyShots — Wed, 31 Dec 2025 23:52:50 GMT

NFCU seems to still be a consistent fan favorite.

Re: Who's Giving Out High Limits Now Days?

hduncan80 — Wed, 31 Dec 2025 23:54:57 GMT

Yeah, it's just getting in with them that's tough.

Re: Who's Giving Out High Limits Now Days?

SRT4kid93 — Thu, 01 Jan 2026 03:45:09 GMT

Navy fed is known for high limits.

amex doesn't always give the highest limits right off the bat, but they are by far the fastest growing issuer out there. In 9 months you can go from 1,000 to 27,000.

Apple Card offered me a 10k starting limit the other day.

for me and my profile that's pretty good. My highest limit right now is chase at 10,000.

Then Amex at 6 (although my 6,000 limit hasn't reported yet, it's still 2,000 on my credit report)

capital one at 5. And my gold card with NPSL.

so they matched my highest limit and about doubled my average credit limit which I think is pretty good.

Re: Who's Giving Out High Limits Now Days?

FicoMike0 — Thu, 01 Jan 2026 04:43:07 GMT

Of my 11 cards, my highest initial cl was $15,000 with aven, issued by Coastal Community Bank, who also issued robinhood. Aven is also my most recent card, issued the same month Chase approved prime at $9,000. Going back, my previous high was wells active cash at $8500. Navy went $6500 on flagship.

Not sure any of that helps.

Re: Who's Giving Out High Limits Now Days?

Beefy1212 — Thu, 01 Jan 2026 05:07:48 GMT

Depends what you consider high and what your profile will support...

Amazon prime recently gave me a 26.6k sl. I would consider that high, sync is known for high limits though unpredictable in if you can hold on to that limit.

The real question isn't who gives high limits but what you need them for and does the lender reward you for using the card. What good is a 50k limit with no sub no zero apr BT and no rewards vs 50 1k cards you earn 10k in subs for 25k spend and never use again?

Bragging rights are pointless, meeting rewards and objectives matter far more, what is your objective?

Re: Who's Giving Out High Limits Now Days?

BrutalBodyShots — Thu, 01 Jan 2026 05:12:19 GMT

@Beefy1212 wrote:
What good is a 50k limit with no sub no zero apr BT and no rewards vs 50 1k cards you earn 10k in subs for 25k spend and never use again?

If I need to make a (say) $10k purchase, I can make it on the $50k card. I can't make it on any of the 50 $1k cards.

Re: Who's Giving Out High Limits Now Days?

FicoMike0 — Thu, 01 Jan 2026 05:38:43 GMT

Higher limits certainly help manage utilization.

Re: Who's Giving Out High Limits Now Days?

FicoMike0 — Thu, 01 Jan 2026 05:41:44 GMT

Ditto @SRT4kid93

Amex was my highest cl at the time and is presently my highest cl, thanks to their 3X clis.

Re: Who's Giving Out High Limits Now Days?

Beefy1212 — Thu, 01 Jan 2026 08:12:50 GMT

@BrutalBodyShots wrote:
@Beefy1212 wrote:
What good is a 50k limit with no sub no zero apr BT and no rewards vs 50 1k cards you earn 10k in subs for 25k spend and never use again?

If I need to make a (say) $10k purchase, I can make it on the $50k card. I can't make it on any of the 50 $1k cards.

Sure but then you don't need a 50k card to make a 10k purchase either.

Re: Who's Giving Out High Limits Now Days?

Beefy1212 — Thu, 01 Jan 2026 08:19:35 GMT

@FicoMike0 wrote:
Higher limits certainly help manage utilization.

Depends... total dollar amounts are still factored, high limit cards are not factored on fico 2,4,5, uti can also be managed by mid month payments, uti is transitory month to month and only needs to be managed when you expect to apply for credit anyway.

Managing uti is kinda meaningless and only used to pointlessly micromanage scores, that may or may not even be the deciding factor on a new application, and tens of thousands of dollars of charges are just as likely if not more so, to be an issue for most income brackets as whether you have a less than ideal uti or an optimized score.

Re: Who's Giving Out High Limits Now Days?

SRT4kid93 — Thu, 01 Jan 2026 15:59:43 GMT

plus who wants 50 cards, especially if they only have 1k limits on each card.

not only is that a logistical nightmare but I don't think anyone could actually use 50 cards on a Regular basis

I have 5 cards and I'm already finding it difficult to give each card any sort of decent spend each month. (Granted, I tend to play favorites, as I usually have 2 cards that get the bulk of my spend, but still)

Re: Who's Giving Out High Limits Now Days?

BrutalBodyShots — Thu, 01 Jan 2026 16:33:17 GMT

@Beefy1212 wrote:

Sure but then you don't need a 50k card to make a 10k purchase either.

I never suggested you do.

Re: Who's Giving Out High Limits Now Days?

NoMoreE46 — Thu, 01 Jan 2026 21:10:49 GMT

Let's stay focused on the OP's question please.

Re: Who's Giving Out High Limits Now Days?

AndrewF — Sun, 04 Jan 2026 18:55:21 GMT

I just got my first actual AmEx. Been an AU on my spouse's cards for years.

They gave me $1,000 limit on a BCE but they did that to him a few times now he's got $20,000 on a BCE, $15,000 on a Hilton, and a NPSL Gold.

AmEx gives you a baby limit if they're on the fence about approving you. I was told by the CSR on the chat that I should come back in 95 days after the account opened and if it's in good standing, tell them the limit I want and the worst thing that would happen is it comes back with a lower amount they'd approve.

Re: Who's Giving Out High Limits Now Days?

AndrewF — Sun, 04 Jan 2026 18:57:40 GMT

@BrutalBodyShots wrote:
@Beefy1212 wrote:
What good is a 50k limit with no sub no zero apr BT and no rewards vs 50 1k cards you earn 10k in subs for 25k spend and never use again?

If I need to make a (say) $10k purchase, I can make it on the $50k card. I can't make it on any of the 50 $1k cards.

The bad thing about low limit cards is that even if they're sufficient to run your normal spending, if they post with that month's balance, they'll send your utilization ratio sky high, like 70-80% or more, then your credit score drops. Then it's hard to get out of that rut if the limit stays because every month the same thing will happen.

I'm going to transact my monthly spend through a $20,000 CL card even if it's not the absolute best rewards scheme because when the statement cuts, I'll only be at 10-15% of my utilization. Those banks that never gave me big CLIs are missing out on the spending.

Re: Who's Giving Out High Limits Now Days?

SRT4kid93 — Sun, 04 Jan 2026 19:53:44 GMT

@AndrewF

Im the same exact way. Many people here maximize their rewards. And that's their main focus. So they give their spend to whichever card gives them the most rewards.

but I'm like you, I give my spend to whichever issuer rewards me for my spend the most through limits/increases. For example, chase gave me 5 cli in a row on my freedom, 5 consecutive months, no other issue has ever done that for me. So for the past 12 months or so they have been getting the vast majority of my spend.

But in 2 months my Amex is scheduled to go from 6k to 18k (assuming everything still looks good). This will make my Amex my highest limit by a good margin.

at that point, I will need to reevaluate, which card will become my main card. Chase gave me more increases but they were all fairly small, while Amex's gave me less increases, the amount of each increase was substantial thanks to their 3x increases.

Re: Who's Giving Out High Limits Now Days?

AndrewF — Sun, 04 Jan 2026 21:27:50 GMT

@SRT4kid93 wrote:
@AndrewF

Im the same exact way. Many people here maximize their rewards. And that's their main focus. So they give their spend to whichever card gives them the most rewards.

but I'm like you, I give my spend to whichever issuer rewards me for my spend the most through limits/increases. For example, chase gave me 5 cli in a row on my freedom, 5 consecutive months, no other issue has ever done that for me. So for the past 12 months or so they have been getting the vast majority of my spend.

But in 2 months my Amex is scheduled to go from 6k to 18k (assuming everything still looks good). This will make my Amex my highest limit by a good margin.

at that point, I will need to reevaluate, which card will become my main card. Chase gave me more increases but they were all fairly small, while Amex's gave me less increases, the amount of each increase was substantial thanks to their 3x increases.

I'm still rocking the QuickSilver unless the $1,000 CL AmEx just gave me on my BCE goes up significantly. Capital One doesn't have the absolute best reputation in the industry, but they're not terrible to me either. They're the first bank that "forgave" my bankruptcy by giving me a respectable limit, decent rewards, and terms that were not an outrage, and I'm not going to forget who that was.

Re: Who's Giving Out High Limits Now Days?

ElvisCaprice — Sun, 04 Jan 2026 22:58:56 GMT

@SRT4kid93 wrote:
@AndrewF

Im the same exact way. Many people here maximize their rewards. And that's their main focus. So they give their spend to whichever card gives them the most rewards.

but I'm like you, I give my spend to whichever issuer rewards me for my spend the most through limits/increases. For example, chase gave me 5 cli in a row on my freedom, 5 consecutive months, no other issue has ever done that for me. So for the past 12 months or so they have been getting the vast majority of my spend.

Sorry op, for continuing this off subject topic.

What does the bank say when you try to deposit those rewards (CLI's)? What are you gaining, if not monetary results?

I think there could be a difference here of credit file development. One could make the case that (re)developing credit profiles could benefit quicker from pushing CL's higher (although I never had too, time is the ultimate file builder). But at some point, a credit profile will become thick and mature, anchoring scores, then it just comes down to immediate (2 years) profile data as the most important factor. With that in mind, to mature profiles, I continue the conversation.

There are plenty of folks here on the forum, who enjoy pushing for higher CL's, SL's & TCL, for no other reason other than gratification or sport. Nothing wrong with that. No harm to score.

But where there could be harm, would be in churn, excessive (spend does not justify) CC retention, CL's or TCL, could become a short term profile data detriment (last 2 years) to some issuers of new CC's and result in a denial of an application. If your not interested in churn, then this is not a major factor.

I'm in the camp of maximum CC churn when possible for maximizing return. At the same time I'm also in the camp of maximum rewards/return on my existing held CC's when not churning, for my spend. You can only churn so much in todays landscape before being shut down to excessive applications/approvals (2 years).

With that in mind, my focus on CL's, SL's & TCL, are to maintain a healthy level for my spend,/utilization, but no more than this. I never have to ask for a CLI and more often than not, have to ask for a CLD, upon a new CC aplication acceptance with a far too high, SL, for my spend, for CC's that I want to retain on maximizing rewards, when not churning. For CC's that I churn, I could care less what the SL is, as long as it's sufficient in achieving the SUB requirements.

Utilization is a fleeting factor, which can be manipulated in short time, regardless of CL, to maximize score. Another topic to be had.

In conclusion, back to the op's question, I would ask, what do you consider high limits? It's a relative factor to spend which could be far different from one party to another. I would assume by asking such a question your credit file is early in it's (re)build? Otherwise, you would receive appropriate SL's accordingly to your most recent profile SL's given or CL's in hold. Thus your looking to push your given SL's higher? Just push your CL's higher. AMEX has always been known for being a good issuer, to quickly push CL's higher on, if you got the spend. Higher CL's beget higher SL's.

Re: Who's Giving Out High Limits Now Days?

SRT4kid93 — Mon, 05 Jan 2026 02:48:35 GMT

I'm not going to lie, part of it is the fact that getting increases/having high limits feels good.

I don't totally ignore cash back, but it's just not the most important thing to me right now.

im in the growth phase of my journey, so if I have 2 cards. 1 card gives me increaes every 3 months (like Amex)

and the other hasn't give me an increase in a year (like capital one)

I will naturally want to give more spend to Amex. Cash back is great, but when you really think about it, we are talking about cents on the dollar.

With a 1% card, I can spend 1000 dollars and get $10, or I can use a 3% card and get $30. That's only a difference of $20 for every $1000 worth of spend. And right now, growing my profile, is far more important than $20.

Im not going to stress myself out stressing over using the exact right card in every possible situation over a $20 difference.

but, if we are talking about differences in credit limits. Amex could take me from 6,000 to 18,000 in 3 months, while capital one hasn't budged In a year. That's the type of returns I like to see.

I have plenty of money, what I don't have is plenty of total credit. Since I walked away from credit for so long and had to start fresh.