Is there a credit card with no limit?

No, truly "no-limit" credit cards don't exist, but some premium cards offer No Preset Spending Limit (NPSL), meaning your limit changes based on spending, income, and creditworthiness, not a fixed number, with cards like some American Express charge cards being prime examples. These cards require excellent credit, high income, and responsible use, and while they offer flexibility for large purchases, they still have internal spending caps that adjust dynamically, often requiring full payment monthly.

Is there a such thing as a no-limit credit card?

There's no such thing as a credit card with no credit limit at all. But a card without a preset limit could help you earn rewards on frequent expensive purchases—if you have the high income and excellent credit necessary to qualify.

Can you get $10,000 on a credit card?

Yes, you can get a credit card with a $10,000 limit, but it typically requires good to excellent credit, a solid income, and a strong credit history, as this is considered a high limit, often found on premium cards like the Chase Sapphire Reserve or cards from Capital One, with factors like your debt and job history also influencing approval. 

Can you get a credit card with no credit limit?

Technically, no-limit credit cards do not exist; some cards, however, have no preset spending limit. Transactions are evaluated based on financial information and history, and spending limits may change. High income and an excellent credit score can improve approval chances.

Is there an infinite credit card?

A Visa Infinite® credit card comes with Visa Infinite® level benefits and gives you an easy and secure way to pay. Quickly compare Visa Infinite® cards to see interest rates, annual fees, rewards, benefits and much more.

Does the American Express Platinum Card have a credit limit? Is Amex Platinum credit line unlimited?

How to get a $30,000 credit card limit?

To get a $30,000 credit card limit, you need an excellent credit score (740+), high income, low credit utilization (under 10%), and a strong history of responsible use, often requiring an application for a premium card or a significant limit increase on an existing account with proof of income like pay stubs. Focus on building credit, keeping balances low, and demonstrating you can handle high credit by using and paying off a card regularly before asking for a big jump. 

What's the strongest credit card in the world?

The American Express Centurion Card, colloquially known as the Black Card, is an exclusive invitation-only charge card issued by American Express. It is reserved for the company's wealthiest clients who meet certain net worth, credit quality, and spending requirements on its gateway card, the Platinum Card.

What credit card has a $5000 limit with bad credit?

The Bank of America® Travel Rewards Secured Credit Card is the best credit card with a $5,000 limit for bad credit. You can get a $5,000 credit limit by placing a refundable security deposit of $5,000, and you will earn 1.5 point per $1 spent without even having to pay an annual fee.

What is the 2 2 2 credit rule?

The 2-2-2 credit rule is a guideline for lenders, indicating a borrower's creditworthiness by looking for two active credit accounts, open for two years, with at least two years of on-time payments, showing consistent financial responsibility, though some variations might mention a $2,000 credit limit, it primarily emphasizes consistent history and disciplined use for mortgage or significant loan approvals. 

Who gets no-limit credit card?

No-limit credit cards don't have a fixed cap; your spending power changes over time based on how the issuer evaluates your profile. Common factors include: Income and cash flow: Higher revenue usually allows more flexibility. Credit score and history: Strong credit signals responsible usage and may unlock higher limits.

What credit score do you need for a $400,000 house?

Credit Score

When applying for a $400,000 home, lenders evaluate your credit scores to determine eligibility and the rates you'll receive: 740+: Best rates and terms. 700-739: Slightly higher rates. 660-699: Higher rates, may require larger down payment.

What is the 2 3 4 rule for credit cards?

The 2/3/4 rule for credit cards is a guideline, famously associated with Bank of America, that suggests you'll have better approval odds if you apply for 2 new cards in 30 days, 3 new cards in 12 months, and 4 new cards in 24 months, helping manage the hard inquiries and avoid triggering automatic denials from lenders. It's a strategy to space out applications for better financial health and approval chances, rather than a hard-and-fast law for all banks, though other lenders have similar, unofficial limits.
 

Is it illegal to have 10k in cash?

No, it's not inherently illegal to possess $10,000 in cash in the U.S., but large amounts trigger mandatory reporting by banks (Currency Transaction Reports - CTRs) and Customs (FinCEN Form 105 for international travel), and failing to report it when required can lead to seizure, while structuring deposits below $10k to avoid reporting (structuring) can become a crime, as law enforcement monitors large cash for illicit activities like money laundering. 

How rare is a 900 credit score?

The current scoring models in the U.S. have a maximum of 850. And having a credit score of 850 is rare. According to the credit reporting agency Experian, only about 1.3% of Americans have a perfect credit score, as of 2021.

Is a black card unlimited money?

No, a black card doesn't provide truly "unlimited money," but the most prestigious ones, like the American Express Centurion Card (Amex Black Card), function as charge cards with no preset spending limit, meaning purchases are approved based on your spending power, income, and creditworthiness, not a fixed cap. While this allows for very high spending, it's still assessed by the issuer, and cardholders must typically pay the balance in full monthly, unlike a traditional credit card with a set limit. Other "black cards," like the Mastercard Black Card, have standard credit limits based on your profile, often starting around $5,000.
 

Does Chase have a no limit credit card?

While Chase does not currently offer credit cards with no preset limit, they may be a good choice if you regularly make large purchases and can pay your balance in full each month.

What is the credit card limit for $70,000 salary?

With a $70,000 salary, you could expect initial credit limits ranging from around $14,000 to over $20,000, potentially reaching higher with excellent credit, but the actual limit depends heavily on your credit score, existing debt (Debt-to-Income ratio or DTI), and the card issuer's policies, as lenders focus more on your ability to repay than just income. 

Do two credit cards build credit faster?

Yes, having two credit cards can help you build credit faster by improving your credit mix and lowering your credit utilization ratio (especially if you keep balances low), but only if managed responsibly with on-time, full payments; the key is quality usage, not just quantity, as too many cards or high balances can backfire. A second card offers more opportunities to show good behavior (payment history) and increases your total available credit, which reduces utilization, a major score factor, but you must avoid new applications causing hard inquiries and overspending. 

How many points is a hard inquiry?

A single hard inquiry typically lowers your credit score by less than five points, though it can be up to 10 points depending on your credit history, with FICO scores seeing a minor dip, while VantageScores might see 5-10 points. The impact is temporary, usually recovering within a few months, but multiple inquiries in a short time can signal risk and have a larger effect, with inquiries staying on your report for two years but only affecting scores for about 12 months. 

What credit card gives you a $1000 credit limit?

You can get a $1,000 credit limit with cards like the Milestone Mastercard, Surge Mastercard, Fortiva Cash Back Rewards Mastercard, or secured options like the U.S. Bank Cash+ Visa Secured Card (with a $1,000 deposit) or Capital One Platinum Secured, often for building credit, though many unsecured options for bad credit carry high fees and APRs. Some cards may offer it as a maximum potential limit, while others guarantee it, but always check terms for fees like annual or monthly charges. 

How to get a $20,000 credit card limit?

To get a $20k credit card limit, you need excellent credit, a strong income (proving ability to repay), low debt, and responsible usage (paying on time, keeping utilization low), often by starting with premium cards or requesting increases on existing accounts after proving reliability with heavy use and timely payments. Building a strong relationship with your issuer and demonstrating high spending with low balances are key, so update your income with the bank and request increases online or by phone. 

What is a prosper credit card?

The Prosper Credit Card is a no-frills, unsecured card designed for building or rebuilding credit, offering tools like a mobile app for spending, AutoPay to waive the first year's annual fee, and regular credit bureau reporting, with no security deposit required, though it has a higher APR and no rewards. It's issued by Coastal Community Bank, Member FDIC, and helps users manage finances with features like free cash advances and financial education resources. 

What credit card do billionaires use?

Billionaire credit cards are ultra-exclusive, invitation-only cards for the super-rich, with the most famous being the American Express Centurion Card (Black Card), offering elite perks, dedicated concierge, and high spending power, alongside others like the J.P. Morgan Reserve Card or Dubai First Royal Mastercard, often featuring luxury materials like metal or diamonds for status and unparalleled service. These cards aren't just for spending; they're symbols of status with benefits like VIP event access, concierge services, and sometimes unique features like diamond-encrusted designs.
 

What's the hardest credit card to own?

The Centurion® Card from American Express is one of the world's most elite cards because it requires an invitation to apply and is very prestigious to own. You reportedly need to earn at least $1 million per year and spend at least $350,000 annually on Amex cards just to be eligible.

What is the #1 best credit card?

There's no single "number one" credit card; the best card depends on your spending, but top contenders often include the Chase Sapphire Preferred/Reserve (travel), Capital One Venture X/Venture Rewards (travel/miles), Amex Gold/Platinum (food/luxury travel), Citi Double Cash (flat-rate cash back), and Chase Freedom Unlimited (standalone rewards/groceries) for various needs like travel, cash back, or building credit. Your ideal card matches your habits, whether it's earning points for flights, getting simple cash back, or securing 0% intro APRs.