Card with highest minimum SL

[Roadgeek395]

Hey everyone, 

Just a question out of curiosity...

Which credit card has the highest minimum SL? 

I recently read in another post that the Alliant Visa signature has a minimum SL of $15K. That's a generous SL!

Are there any cards that beat that?

[FinStar]

There are a few institutions that have minimul SL requirements for some products, like Alliant, but it also boils down to overall profile if you do not meet the criteria for the product.  There are a sprinkle of CUs that have some minimum SLs and there are the larger players such as Chase who offer the United MileagePlus Club Visa ($15K) or the Sapphire Reserve Visa Infinite ($10K), as some examples.

That said, if one has the right profile, income, DTI, scores, credit history, banking relationship, etc., cards from NFCU can be approved for a $25K SL, for instance.  Others like FirstTech or UNFCU come to mind as well.

[Aim_High]

Dangit! @FinStar beat me to the punch by seconds!  We both posted at the same time! Lol ... If I was only more brief ... 😜

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I wasn't familiar with Alliant Visa Signature having a minimum limit so I checked it out. Per the pricing and terms disclosure, the minimum limit on this card is $10,000, not $15,000.   But thanks for pointing that out and the topic. That $10K limit is the same as the Chase Sapphire Reserve. 

Alliant Visa Signature Disclosure:
https://www.alliantcreditunion.org/images/uploads/files/VisaSignatureCreditCardDisclosure.pdf

CSR Disclosure:
https://applynow.chase.com/FlexAppWeb/pricing.do?card=GFF7&page_type=appterms

The Chase United Club Visa Infinite *DOES* have a minimum $15,000 limit. 
https://applynow.chase.com/FlexAppWeb/pricing.do?card=GCD9&page_type=appterms

A card I've considered applying for has a published minimum $25,000 limit, the First Command Bank Visa Signature Premier.  
https://www.firstcommand.com/banking/credit-cards/

Many premium cards probably have some unpublished minimum limits at or even well above $25K.  What is more common to see is published maximum limits, as in "up to $50K or $100K."  That includes cards with lenders like United Nations FCU and First Tech FCU, among others. 

One example of an ultra-premium card which probably has such an unpublished high minimum limit is with the Swiss investment bank, UBS. Their premium travel card is a Visa Infinite that comes with a $495 AF.  While their limits may be influenced by assets on account, I've seen several starting limits well over $50K on this card. And one member was approved for $286K, although he was very high income and well-invested with UBS.  Likewise, I wouldn't be surprised if the lower UBS Visa Signature had a minimum SL of $15 to $25K or more. 

https://www.ubs.com/us/en/wealth-management/our-services/individual-services/banking/cards/personal....

[babygirl1256]

Great information . . . thanks for posting!!!

[Roadgeek395]

Awesome information, thanks for all the input so far. I'm glad I started this topic.

Here is some more minimum SL information I just discovered.

Visa Platinum $500

Visa Signature $5000

Visa Infinite $10000

[FinStar]

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@Roadgeek395 wrote:

Awesome information, thanks for all the input so far. I'm glad I started this topic.

Here is some more minimum SL information I just discovered.

Visa Platinum $500

Visa Signature $5000

Visa Infinite $10000

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Just an item to keep in mind regarding the above.  While in the past the minimum SL guidelines were based on the tier level, each lender will make a determination on the tier level and the SL.  For example, a variety of banks or CUs can offer Visa Platinum cards as low as $250 (some could be lower).  Visa Signature cards can range as well, anything from $250 to sky is the limit - Amazon Prime Visa Signature is an example.  Visa Infinite is not $10K for all lenders - US Bank offers VI with limits <$10K, for instance.

[Roadgeek395]

Interesting, thanks for that info

[FinStar]

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@Roadgeek395 wrote:

Interesting, thanks for that info

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Anytime!

Similarly, some of these guidelines may apply to Platinum MC, World MC and World Elite MC.

[Roadgeek395]

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@FinStar wrote:

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@Roadgeek395 wrote:

Interesting, thanks for that info

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Anytime!

Similarly, some of these guidelines may apply to Platinum MC, World MC and World Elite MC.

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I was actually just looking into that haha. Mastercard doesn't seem to have a minimum SL with their tier system.

To be honest I didn't know much about the different tiers with MC or Visa until doing my research tonight. I truly enjoy researching everything credit related 😁

[AverageJoesCredit]

Just for fun the lowest cl ive ever recieved was $300 on a Macys / PPMC so theres always to be grateful for on a high sl lol