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What are the Best High Limit Personal Credit Cards for Building Credit?

When it comes to building up credit, especially your personal credit, one of the most important aspects to getting higher limits is your comparable credit.


Today, we’ll not only look at what having comparable credit can do for you, but also why you’d want to get the best high limit credit cards you can.


What Does Comparable Credit Mean?


Comparable credit is what lenders use when considering giving some credit.


Essentially, if you’ve ever been approved for a credit card for a limit of $500, your next credit card is most likely going to be the same limit or less.


If you’re still building credit or rebuilding your credit, your comparable credit may be limited, so you might not get the higher credit limit that you want.


As I’ve mentioned previously, getting good credit on your personal accounts does a tremendous job of getting you to the next level.


Having good personal credit shows lenders that you aren’t a risk to receiving more credit, like credit increases, or moving to obtain business credit.


Now that we’ve looked a bit at comparable credit, here are a few cards that I’ve seen give very high limits and that you can use to obtain business credit cards.


High limit personal credit cards

Best High Limit Personal Credit Cards for Building Credit


We start with a couple of Chase cards, which have the best cards for both personal and business.


Chase is very big on banking relationships, so the better the relationship, the better your odds are of getting some of these cards.



  • Chase Sapphire Preferred

  • 5x points on travel booked through Chase Travel portal

  • 3x ultimate rewards points on restaurants, streaming services, and online groceries (excludes in-store purchases)

  • 2x ultimate reward points on all other travel purchases outside of Chase Travel Portal

  • 1x ultimate rewards points on all other spending


Next are some cards from American Express, another bank where you want to ensure that you have a good relationship with them.


  • American Express Delta Gold

  • 2x on restaurants, groceries, and Delta purchases

  • 1 free checked bag on Delta

  • No foreign transaction fee

  • American Express Hilton Honors Surpass

  • $95 annual fee

  • 12x points on Hilton purchases, 6x on restaurants/groceries/gas, and 3x on everything else

  • Earn $150 statement credit after your first purchase on the Hilton surpass card within your first 3 months

  • Hilton Gold status

  • Spend $40,000 on eligible purchases on your card in a calendar year and earn Hilton Honors Diamond status through the end of the next calendar year


Other personal high limit credit cards include:




These cards are the best when considering credit cards with high limits and choosing which one is right for you all depends on what you’re looking for.

For example, if you’re looking for an everyday card you can use, the Chase Freedom card is the best choice.


Do you do a lot of traveling and Hilton hotels are your preferred place to stay? Then the Amex Hilton card is best.


Are you near a JetBlue hub and use their airlines a lot?


Or do you want to grow a banking relationship with either Chase or Bank of America?


Choose the card that will be the most beneficial to you and that will help you get the most use.


As always, if you’re interested in building up your card and using credit stacking to grow your business, be sure to join our great community.


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