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September 8, 2018 12:00 PM PT

Chase Sapphire Reserve Credit Limit

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Many Chase Sapphire Reserve users receive a credit limit of $10,000 - $25,000. Find out how Chase determines your credit limit and how to get an increase.

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Chase Sapphire Reserve
Apply for Chase Sapphire Reserve
Chase Sapphire Reserve is one of the hottest premium travel reward cards on the market.

You get luxury travel perks, plus 3x points on travel and dining. Points can be used on the Chase travel portal at a higher value, or be transferred to a number of airline and hotel partners.

But it's not an easy card to get. You need an excellent credit score.

If you do get approved, how much credit limit can you expect to get?

Let's take a look at what kind of credit limit Chase Sapphire Reserve offers.

Chase Sapphire Reserve Credit Limit

The Chase Sapphire Reserve is a Visa Infinite card, so the minimum credit limit is $10,000.

So if Chase doesn't qualify you for at least a $10,000 credit line, then you won't be approved for the card either.

How to Get Approved for Chase Sapphire Reserve:

  • Have an excellent credit score (usually 720+).
  • Keep your credit utilization ratio low on your other credit cards (preferably less than 30%).
  • Don't open too many new credit cards. If you have opened more than 5 card accounts in the past 24 months, you will not be approved.

Ready to apply? Check out the latest Chase Sapphire Reserve promotion.

Since this card is a premium reward card and requires an excellent credit score, many users are able to be approved for higher limits. In general, mostly everyone falls in between the $10,000 - $25,000 range, with the average credit limit given being around $15,000.

Theoretically, the limit goes all the way up to $500,000. But of course, that's only for very, very high net worth individuals.

Let's take a look at how Chase determines your credit line.

Factors That Determine Your Credit Limit

Having a high credit score doesn't automatically mean you'll get a high credit limit. Some people with lower scores have gotten a credit limit even higher than those with a higher score.

Here are some factors Chase considers when deciding your credit limit.

  • Your credit score. The Reserve is for those with excellent credit, but some people do get approved with a score 700 (or even less). Usually, those with lower scores get approved for just the minimum $10,000 credit limit.

  • Your credit profile. This is a card for experienced credit card users. If your other card accounts are still pretty new (1-2 years), you may not receive a high credit limit even if you have a good score. Credit card companies usually won't extend a lot of credit to someone with a young history.

  • Your payment history. If you've missed or made late payments in the past, or carry a balance, you may not even be approved for this card. It's best that you don't have any "baddies" on your report for the past year.

    If you are lucky to be approved at all, it's most likely that you'll receive the minimum limit until you prove that you can use the card responsibly.

  • Your income. Those with a higher income are more likely to receive a higher credit limit, since their income can support higher payments. Many people receiving higher credit limits earn over $80,000 in annual income. People with 2 sets of income in the family may get a higher credit limit too.

  • Credit limit on other cards. If you have other credit cards, Chase may follow the lead of what other banks gave you. If other banks trusted you with high limits and you've been a good user, then Chase will be more likely to trust you too.

  • History with Chase. If you have other credit cards with Chase, banking accounts, or other history such as a car loan, and you have been responsible, Chase may trust you with a higher limit. It also makes being approved for the Sapphire Reserve easier.

How to Get a Credit Limit Increase

If you're not happy with your initial credit limit, don't worry. There are ways to get it increased over time.

  • Automatic credit limit increases. Automatic increases for the Sapphire Reserve are very rare. However, they are not completely unheard of.

    If you use a lot of your credit limit each month, then that may indicate to Chase that you need a higher limit. But you must make sure you pay it off in full and on time each month. This tells Chase that you can afford your spending.

    Also remember to update any salary increases on your profile. A higher salary may make Chase see that you can afford a higher credit limit.

  • Ask Chase directly. If you've been using your card responsibly for at least 6-12 months, you can call the number on the back of your card and ask for your credit limit to be increased.

    • The best time to ask is when you have paid off your balance.
    • Explain why you want the increase (for example, you want to use this as your primary card).
    • Know how much you want. Be reasonable.

    Note that Chase will need to check your credit again. This will trigger a hard pull, which will ding your credit a little.

  • Ask to transfer credit limit between cards. If you have more than one Chase card, you can ask to transfer part of the credit limit from one to the other. This way, the total credit Chase extends you remains the same.

    Some people also open up a new Chase card. And then ask to move the credit limit over to the card they want the higher limit on.

  • Ask for credit limit increases on your other cards. This is helpful overall, because when your credit limit increases on other cards, your credit utilization ratio goes down. This helps to improve your credit score, which makes it easier to get a credit limit increase from Chase.

Bottom Line

The Chase Sapphire Reserve card is usually only for those with excellent credit. If you're approved for the card, you will receive at least a $10,000 credit limit, which is pretty decent. Getting a higher limit will depend on your credit score, income, and how stellar your credit history is. Even if you receive an initial low limit, you can always ask for a credit line increase after you've proved to be a responsible user.

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Chase. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: This content was first published on September 8, 2018. Information including APR, terms and benefits may vary, be out of date, or not applicable to you. Information is provided without warranty. Please check Chase website for updated information.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

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Chase Sapphire Reserve
Apply for Chase Sapphire Reserve
At Chase's Secure Site
  • Earn 50K bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Go to issuer's official application, terms, and details
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.99% - 24.99% Variable
$450

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Chase Sapphire Preferred® Card

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The Platinum Card® from American Express

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American Express® Gold Card


Chase Sapphire Preferred Review

Travel credit cards are a smart way to earn flights and hotel stays. Our favorite is the Chase Sapphire Preferred® Card because of its bonus point offer and premium travel benefits. Read on to see if the annual fee is worth it for you.
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