In a Nutshell: By reducing your credit utilization ratio, a high-limit credit card can help you boost your spending capacity or enhance your credit. Although your precise credit limit will usually not become known until after you apply, we’ve put together a list of the top high-limit credit cards that may be able to provide high limits to eligible applicants.
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Compensation may factor into how and where products appear on our platform (and in what order). However, since the majority of our revenue comes from the offers you accept, we make an effort to present you with offers we believe are a good fit for you. Thats why we provide features like your Approval Odds and savings estimates.
Naturally, not all financial products are represented by the offers on our platform, but our aim is to present you with as many excellent options as possible.
These offers are no longer available on our site: Petal® 2 Visa® Credit Card, Chase Sapphire Reserve®
Yo credit score fam!
I’m going to give you the lowdown on what kind of credit limit you can get with a 700 credit score, so get comfortable.
First things first, let’s get real. A 700 credit score is pretty sweet. It’s not the highest, but it’s definitely not the lowest either. It’s in the middle of the “good” range, indicating that you’re handling your credit fairly well.
Now let’s talk turkey about credit limits. There’s no magic formula that guarantees a specific limit. It all depends on a bunch of factors, like your credit history, income, and debt-to-income ratio. But with a 700 score you can expect a starting limit somewhere between $1,000 and $5,000.
Here’s the lowdown on some cards that offer a minimum limit of $700:
- Wells Fargo Active Cash® Card: This bad boy offers a starting limit of $1,000 or more, but you’ll need good credit or better to qualify.
- Wells Fargo Reflect® Card: Similar to its sibling, this card also offers a starting limit of $1,000 or more, but again, good credit is a must.
- U.S. Bank Cash+® Visa® Secured Card: If your credit isn’t stellar, this secured card lets you set your own limit by making a security deposit.
- OpenSky® Plus Secured Visa® Credit Card: Another secured card option, this one doesn’t require a credit check and offers a starting limit of $200, which can be increased over time.
Pro tip: If you’re looking to boost your credit limit, try using your card responsibly and paying your bills on time You can also request a credit limit increase from your issuer
Remember, fam, a 700 credit score is a solid foundation. You can eventually access greater limits and even better credit card offers by practicing responsible credit management.
Keep it real, and keep your credit score on fleek!
Peace out.
Best high-limit card for bonus cash back: Chase Freedom Unlimited® — $500 minimum limit
3.7 out of 5
From cardholders in the last year
For the following reason: the minimum credit limit for the Chase Freedom Unlimited® card is $500; however, if you are approved for the Visa Signature® version of the card, the credit limit is at least $5,000.
Beyond those minimum limits, this card offers plenty of opportunities to earn cash back. You can earn up to 5% back on travel reservations made through Chase Travel E2%84%A0, 3% back on restaurant meals and drugstore purchases, and %201 5% on all other purchases.
Plus, the card comes with a $0 annual fee that won’t cut into your earnings.
Read more about the Chase Freedom Unlimited® in our review.
Best high-limit card for students: Discover it® Student Cash Back — $500 minimum limit
5.0 out of 5
From cardholders in the last year
This is why: Students who meet the requirements for this card and want to establish their credit can receive a $500 minimum credit limit. Although student credit cards aren’t typically associated with the highest credit limits, the minimum limit on this card at least provides some clarification.
There are a ton of fantastic features in store for students who are accepted for the Discover it® Student Cash Back program. The credit card levies a $0% annual fee and provides a 5% rebate on purchases up to $1,500 (then the first 25% of the total) in quarterly rotating categories that require activation. All other purchases earn 1% back.
Additionally, the Discover it® Student Cash Back waives the late fee on your first missed payment.
For more on this card, check out our member reviews.
Credit Potential: What Credit Card Limit Can You Get with a 700 Score?
FAQ
How much credit card limit can I get with 700 credit score?
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VantageScore 3.0 credit score range
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Average credit card limit
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300–640
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$3,481.02
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640–700
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$4,735.10
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700–750
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$5,968.01
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750+
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$8,954.33
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How big of a loan can you get with a credit score of 700?
How much loan can be approved on 700 credit score?
Can you get a line of credit with a 700 credit score?
Can you get a credit card with a 700 credit score?
Anyone with a score above 700 can pretty well qualify for any publicly available credit card. We’re talking the good stuff — rewards credit cards, travel credit cards, cash back credit cards. The kind that can give you potentially thousands of dollars in value per year if you know how to use them.
What are the best credit cards for a 700 score?
As a result, you get to maximize your rewards without added fees or high APRs. Here are some of the best credit cards for a 700 score, including the best cards for businesses, travel, and cash back. The Citi Double Cash® Card is the best Mastercard to use for everyday spending if you’re looking to rack up rewards effortlessly.
What does a 700 credit score mean?
A 700 credit score (or higher) puts you in a great place to get some of the best loans and credit card offers. There are several credit cards for a 700 credit score whether you’re looking for travel rewards, cash back, or other discounts and perks. A higher credit score can help you get the lowest possible interest rate.
Do credit cards for 700 credit scores have annual fees?
As you may have noticed, several credit cards for 700 credit scores don’t have annual fees. So, you can pick up some great perks without having to shell out money for the privilege of having a card. In general, you want to focus on cards that require good credit or below, since 700 is considered a good credit score.