@NoHardLimits wrote:
@CreditCuriosity wrote:Although we are way off subject of the initial post
The OP has been an active participant in the off-topic portion of this thread, so I think we're okay with the digressions.
To bring things back on topic, my vote goes to Chase Sapphire Reserve for a commonly available credit card with the highest minimum starting limit. No specific assets or relationships required.
That's a reasonable start, @NoHardLimits, since the minimum for that card is $10K. They never approve less, unlike some other Visa Infinite cards.
However, IMO, the best commonly-available card would be the Chase United CLUB Visa Infinite ($525 AF.) Per the Pricing and Terms page, "If approved for an account, your credit access line will be at least $15,000."
Besides the First Command Signature Visa which stipulates a $25K SL, there are probably a large number of other Private Banking or wealth management client-oriented credit cards that have high - but unpublished - underwriting standards. For some examples, that $100K SL we saw on the JP Morgan Reserve Visa Infinite (requires $10M in assets) may be the lowest SL. This 2021 article from thepointsguy website estimated the minimum SL on the CITI Chairman American Express (if it is still available, invite only) is $300K. And besides the $286K SL we saw on the UBS Visa Infinite, we've had members approved (even with no or limited UBS relationship) in the range of $50K to $99K, so my guess is that the minimum approval for this card may fall somewhere in that range.
@Aim_High wrote:
@NoHardLimits wrote:
@CreditCuriosity wrote:Although we are way off subject of the initial post
The OP has been an active participant in the off-topic portion of this thread, so I think we're okay with the digressions.
To bring things back on topic, my vote goes to Chase Sapphire Reserve for a commonly available credit card with the highest minimum starting limit. No specific assets or relationships required.
That's a reasonable start, @NoHardLimits, since the minimum for that card is $10K. They never approve less, unlike some other Visa Infinite cards.
However, IMO, the best commonly-available card would be the Chase United CLUB Visa Infinite ($525 AF.) Per the Pricing and Terms page, "If approved for an account, your credit access line will be at least $15,000."
Well technically you would need a United Mileage Plus frequent flyer number as a relationship, but that is easy to set up and doesn't cost anything at all. I concede that the United Club card has a larger minimum starting limit than the Sapphire Reserve. 
So from what I've read.
there are some invitation only cards that have minimum starting limits at 300k (assuming you can provide proof of assets over 10 million) but since those type of cards are not available to 99.9%. I won't count it.
tberefore it seems the chase sapphire reserve and a couple other reserve cards fall into the 30-50k minimum starting limit range? Is that right?
@Cblough93 wrote:So from what I've read.
there are some invitation only cards that have minimum starting limits at 300k (assuming you can provide proof of assets over 10 million) but since those type of cards are not available to 99.9%. I won't count it.
tberefore it seems the chase sapphire reserve and a couple other reserve cards fall into the 30-50k minimum starting limit range? Is that right?
The highest minimum published starting limit that I'm aware of that doesn't stipulate having assets with the lender is the Chase United Club Visa Infinite's mininum $15K SL. (See my post above.) The Chase Sapphire Reserve Pricing and Terms Disclosure, similar to the United Club's disclosure above, states that the minimum CL that will be approved is $10K.
@Hipployta wrote:
No, I meant I have seen $50K as the starting limit for the Navy Federal travel card several times. It's not the guaranteed minimum but every person I've seen who $50K of the $80K available got it. This is all anecdotal involving AD military of course
Right, @Hipployta, the NFCU Flagship Rewards doesn't have a true minimum approval of $50K. Data points have shown they may approve that card as low as about $5K to $10K. (I think $5K is about the lowest approval on it that I've seen recently, so that is probably closer to the true "minimum SL.") As I mentioned in THIS POST earlier in this thread, I once saw an approval for NFCU Flagship Rewards at $50,800 and that was an exception to the norm. 
Taking myself as an example, I am former active duty officer with very high NFCU internal score previously disclosed to me. (Score was 427 on scale of 100 to 450 - 07/15/2020.) Credit age near 40 years at the time. Household income is high. FICOs at or near 850. Flagship Rewards was my second NFCU card. I had 3.5 years of membership with NFCU and existing $50K limit on other card. They approved me for $25K, putting my total NFCU exposure at $75K. A few months later, I got the other $5K to put me at the $80K maximum revolving limit. (I was able to combine the limits onto the FSR card.) So for some reason, even though my NFCU TCL would have allowed more than the $25K, that was all that was approved for me at time of application.
From my own experience and based on numerous data points on My FICO, exceeding $25K SL on Flagship Rewards is pretty rare, but getting it to $50K to $80K is not rare with CLIs. My guess is that military members with direct deposit, who do primary (perhaps only) banking with NFCU, who might have other products with them such as an auto loan, and who don't do a lot of credit-seeking (like some of us on the forums) might get the $30K to $50K approvals but we're not seeing that routinely on My FICO, even for members with otherwise exemplary credit and profile.
Here are some recent NFCU Flagship Rewards SL data points. $20K to $25K was pretty common. Some were lower. Only one was higher and it was only $30K, much less than the isolated $50.8K I referenced earlier.
01-06-2023: $20K
11-19-2022: $25K
10-07-2022: $20K
09-16-2022: $20K
I know almost nothing + have no products with them, but doesn't Capital One have a high SL travel card? Thought I recalled seeing some approval videos on YT with solid (>$33k) starting limits. I may be remembering a different card, though.
I can attest to getting a good SL from NFCU after having DD...I know I've probably beat it into the ground at this point, but NFCU approved me for the cashR @ almost $30k with zero (0) individual credit history.
I can attest to getting a good SL from NFCU after having DD...I know I've probably beat it into the ground at this point, but NFCU approved me for the cashR @ almost $30k with zero (0) individual credit history.
@Windchill92 wrote:
I know almost nothing + have no products with them, but doesn't Capital One have a high SL travel card? Thought I recalled seeing some approval videos on YT with solid (>$33k) starting limits. I may be remembering a different card, though.
I can attest to getting a good SL from NFCU after having DD...I know I've probably beat it into the ground at this point, but NFCU approved me for the cashR @ almost $30k with zero (0) individual credit history.
They do have a premium travel card, @Windchill92. It's the $395 AF Venture X, not to be confused with the (original) Venture.
It does often have a respectable SL, but I believe the highest SLs I've routinely seen for Venture X has been multiple $30K approvals. Again, the card can climb higher with CLI, but I've also seen approvals for it well below $30K, so YMMV. The Venture X, as a Visa Infinite, is like the Chase Sapphire Reserve in requiring a $10K SL, if I'm not mistaken. A quick search of the approvals forum will yield multiple $10K approvals as well as higher ones. That $10K is higher than some card minimums but below the earlier-mentioned cards at $15K and $25K.
Don't ask me how or why but my Chase IHG card ($99/yr) came with a $35,000 limit. My highest limit by far.
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