This should be obvious but I'll put this restriction just in case. Obviously charge cards and cards with no preset limits are not included in my question.
I have heard the chase sapphire preferred is a 10k minimum limit, all visa signature cards have 5k minimum limits. I think the venture x is also a 10k min limit.
are there any cards out there higher than 10k minimum for starting limits and if so what are they? And what's the highest you know of?
I would assume that no card has a minimum starting limit over 30 grand cause that's just ridiculous
@coldfusion wrote:
@Cblough93 wrote:This should be obvious but I'll put this restriction just in case. Obviously charge cards and cards with no preset limits are not included in my question.
I have heard the chase sapphire preferred is a 10k minimum limit, all visa signature cards have 5k minimum limits. I think the venture x is also a 10k min limit.
are there any cards out there higher than 10k minimum for starting limits and if so what are they? And what's the highest you know of?
I would assume that no card has a minimum starting limit over 30 grand cause that's just ridiculous
The $5K minimum starting limit on Visa Signature cards is a convention, not a requirement. There are plenty of examples of the US Bank Cash+ cards being issued over the years with $500 starting limits and the $15K minimum for the United Club Card when it was issued as a Visa Signature and IIRC the UNFCU Elite. Much the same is true for the US-issued Visa Infinite; $10K is the convention but the UA Club still retains the $15K minimum as IIRC does the CNB Crystal as examples, and I know of US Bank issuing Altitude Reserve cards for less than $10K SL.
Chase Sapphire Preferred has a $5K minimum starting limit BTW, it's the Sapphire Reserve that has the $10K minimum SL.
It could be there are cards with a $30K+ minimum SL, but those would target high rollers and not for us hoi polloi to apply for.
Hey, hey, hey ... MFers are the elites! We must remember and never fall pray to "hoi polloi" ... 
@Cblough93 wrote:I have heard the chase sapphire preferred is a 10k minimum limit, all visa signature cards have 5k minimum limits.
No. They only gave me $7,700 on my CSP, but that was almost six years ago.
@longtimelurker wrote:
@Roadgeek395 wrote:I made a very similar post a few years ago
https://ficoforums.myfico.com/t5/Credit-Cards/Card-with-highest-minimum-SL/td-p/6352852
@Aim_High In the referenced thread you talked about considering First Command Bank Visa Signature Premier (with a $25K min CL). Did you ever pursue? Looks like a high SL for a pretty meh card!
It's been on my "list" for the past few years, @longtimelurker, and I do still plan to apply. I entered the garden last fall with plans to add a few new cards in the fall 2024 to push my TCL a little higher. That was interrupted by an great intro offer on the new USAA Navigator card along with accidental (yes, I clicked the wrong button) 
approval (instead of checking for preapproval) on a Synchrony Lowe's card. Both of those were in February. So I'm letting those age along with my last year's apps before adding a few more.
I've been an insurance and investment client of First Command since my early adult days as a military officer. They opened their banking division in 1997 to primarily serve military families and veterans as an online/mobile bank, but they do have one physical branch. While the First Command Advisory Services has $17.5 Billion in assets under management, the banking division is much smaller with just over $1 Billion in assets. They are the 90th largest bank in Texas and 983rd largest in the US, according to depositaccounts.com. So honestly, I wouldn't expect them to have a cutting edge credit card product. Yes, it's true that the First Command Visa Signature Premier is sort of a meh card in terms of rewards, but it is a card that just everyone can't acquire since it requires minimum assets of $250K. Due to my long relationship with them along with the assets, this seems to be a great card for me. The minimum credit limit is $25K, but I was hoping with my credit profile and relationship that it might go much higher. Part of me wants to apply just to see what they would approve! I opened a deposit account with them earlier this year as a precursor to applying for the card, as it's an easier process if you also have a banking relationship. If they approve a $25K to $50K credit limit (or higher ??), that adds some awesome utilization padding to my file than would be unlikely to be closed even if I rarely used it due to the relationship.
The base earnings rate is 1.5 points (worth 1.5% cash back.) Not great but still pretty mainstream compared to many lenders. It also earn 3 points (3% cash) at military commissary and base exchanges. The current APR is 18.49% which is in-line with some of my other current APRs and lower than many. It is a premium metal card with no AF, and it does include some great premium card perks which are unusual for a no AF card. Moreso than the rewards rate, the perks and high minimum SL are what make this card more attractive.
- Priority Pass lounge visits (12 annually included.) (Of course, I have Priority Pass on other cards, but if I decided to close them or the benefit was nerfed, this card provides some access for free.)
- Secondary Rental Car CDW (primary outside the US).
- Baggage Delay Insurance beginning at four hours and paying $100 a day for up to three days.
- Cellphone Insurance paying $500 per claim and up to $1000 per rolling 12-month window.
- Extended Warranty Coverage adding up to 1 year to warranties of 3 years or less.
- Hotel Theft Protection paying up to $1,500 per claim.
- Lost Luggage Insurance paying up to $3K per claim.
- RideShare Insurance Protection ($100K AD&D and $200 personal property) while using a rideshare company.
- Roadside Dispatch for help with automotive breakdowns.
- Travel and Emergency Assistance Hotlines for help when traveling.
- Trip Cancellation and Interruption Insurance which reimburses up to $2K per common carrier ticket per person.
- Trip Delay Insurance when a trip is delayed by more than 12 hours and pays up to $300.
- Travel Accident Insurance (Accidental Death & Dismemberment) but that it almost a joke it's so low. Maximum benefit is just $1,000, compared to the $1 MILLION on my Chase Sapphire Reserve. But most of those other coverages are rare to see on a no-AF card.
Thanks for asking about it again, and I will be sure to post about it when I apply, although I realize this is card that few would be interested or qualified to apply for based on the requirements.
@NoMoreE46 wrote:The JP Morgan Reserve (fka the Palladium Card) SL is likely going to be > $30,000 today.
Do let us know when you get the Invite 😁.
ps this is a thread (2015) where user got $45,000.
https://ficoforums.myfico.com/t5/Credit-Card-Approvals/The-Palladium-Card-came-today/td-p/4045275
That's actually pretty tame compared to one example that comes to mind, @NoMoreE46.
Remember @californiaboy935? He hasn't been online since 05/18/2024.
We had a string of high approvals from him. Apparently he was sitting on multiple millions and it opened doors for him, even without a thick credit file. This just goes to show that often it's not the CARD that gives the highest limits. It's the PROFILE including assets and income.
Californiaboy935 approvals, and yes, these are all STARTING limits:
*Note: UBS later shut down his account. I believe they expected him to fund his investment accounts better or more quickly. He has an imgur account that still shows the screen shot with that high limit in the thread.
*Message 23 in thread, the OP states the starting limit ... which he thought was kind of low! Lol. 
*This was his 2nd card with Navy but I don't believe I've ever seen a $50K+ SL with any other NFCU card.
I stand by something I've posted about often on My FICO. My theory is that the highest SLs are often on AF travel cards, in particular the higher AF travel cards. Lenders target those cards more toward high rollers and big spenders. They like to give them generous credit limits to keep them happy, and keep those AFs coming in. 
So some of my "high limits" strategy has revolved around those types of cards, as long as I find them useful.