The Bank of America card that gives the highest credit limit is the Bank of America® Customized Cash Rewards credit card, which has a reported maximum limit of $95,000. Your individual limit will be determined based on your credit history, income, outstanding debts, and other factors. It’s often difficult to determine how high your credit limit will be, since Bank of America doesn’t list a card’s minimum or maximum limit in its terms.
Like many credit cards with high limits, the Bank of America Customized Cash Rewards credit card requires excellent credit for approval. Cards with high limits typically require good to excellent credit and offer spending limits with minimums around $10,000 and maximums that can be higher than $100,000.
Best High Limit Credit Cards
Best High Limit Credit Card:Chase Sapphire Preferred® CardChase Sapphire Preferred® CardLearn MoreLearn Moreon issuer's website- Rates & FeesCash Back:Citi Double Cash® CardCiti Double Cash® CardLearn MoreLearn Moreon issuer's website
- Highest Limit:Chase Sapphire Reserve®Chase Sapphire Reserve®Learn MoreLearn Moreon issuer's website
- Rates & FeesBalance Transfers:Wells Fargo Reflect® CardWells Fargo Reflect® CardLearn MoreLearn Moreon issuer's website
- Rewards & 0% Intro APR:Chase Freedom Unlimited®Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
If you have a Bank of America credit card with a lower limit than you’d like, it may be worth requesting a credit limit increase once you’ve paid your bill on time for at least six consecutive months.
This answer was first published on 03/30/23 and it was last updated on 03/28/24. 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.
