What credit limit can I expect with a 700 credit score?

With a 700 credit score, you can typically expect credit limits of $5,000-$15,000 on a single card, depending on your income and card type. Higher limits ($15,000+) are common with higher income.

What is the average credit card limit?

The average credit card limit in the US is approximately $13,000 per card, but this varies widely. The average total credit limit across all cards is around $30,000 per person.

How can I get a higher credit card limit?

To get a higher limit: 1) Request a credit limit increase from your current issuer, 2) Apply for a new card with your improved score, 3) Increase your income and update it with your issuer, 4) Maintain low utilization and on-time payments.

Average Credit Card Limit by Credit Score (2026 Data)

Your credit limit depends heavily on your credit score — but income and card type also matter. Here’s what to expect based on your score.

Quick answer: Average credit limits range from $500-$1,000 for poor credit scores to $15,000-$30,000+ for excellent scores. The overall average credit limit is about $13,000 per card.

Average Credit Limit by Credit Score

Credit Score	Average Limit (Single Card)	Typical Range
800-850	$20,000-$30,000+	$15,000-$100,000
740-799	$15,000-$25,000	$10,000-$50,000
670-739	$8,000-$15,000	$5,000-$25,000
580-669	$2,000-$5,000	$500-$10,000
300-579	$500-$1,500	$200-$3,000

Credit Limits by Age and Score

Ages 18-25

Credit Score	Average Limit
750+	$5,000-$10,000
700-749	$3,000-$7,000
650-699	$1,500-$4,000
600-649	$500-$2,000
Below 600	$200-$500 (secured)

Ages 26-35

Credit Score	Average Limit
750+	$12,000-$25,000
700-749	$8,000-$18,000
650-699	$4,000-$10,000
600-649	$1,500-$5,000
Below 600	$500-$1,500

Ages 36-54

Credit Score	Average Limit
750+	$18,000-$35,000+
700-749	$12,000-$25,000
650-699	$6,000-$15,000
600-649	$2,000-$8,000
Below 600	$500-$3,000

Ages 55+

Credit Score	Average Limit
750+	$20,000-$50,000+
700-749	$15,000-$30,000
650-699	$8,000-$20,000
600-649	$3,000-$10,000
Below 600	$500-$5,000

Credit limits are closely tied to your score — see benchmarks in the credit limits hub. Understand how limits affect your score via credit utilization ratio, and track your score progress at the credit score hub.

Credit Limits by Card Type

Card Type	Typical Credit Limit Range
Secured credit cards	$200-$2,500 (deposit-based)
Store credit cards	$500-$3,000
Basic no-fee cards	$1,000-$10,000
Cash back cards	$3,000-$20,000
Travel rewards cards	$5,000-$30,000
Premium cards (Amex Platinum, etc.)	$10,000-$100,000+
Business credit cards	$5,000-$50,000+

Credit Limits by Income

Income matters almost as much as credit score:

Annual Income	Typical Combined Limit
Under $30,000	$2,000-$8,000
$30,000-$50,000	$5,000-$15,000
$50,000-$75,000	$10,000-$25,000
$75,000-$100,000	$15,000-$40,000
$100,000-$150,000	$25,000-$60,000
$150,000-$250,000	$40,000-$100,000
$250,000+	$75,000-$250,000+

Total Credit Limit (All Cards Combined)

Most people have multiple cards:

Credit Score	Avg. Total Credit Limit
800-850	$60,000-$100,000+
740-799	$45,000-$75,000
670-739	$25,000-$50,000
580-669	$8,000-$20,000
300-579	$1,000-$5,000

Average Number of Credit Cards

Age Group	Avg. Number of Cards	Avg. Total Limit
18-25	2	$6,000
26-35	3	$18,000
36-54	4	$35,000
55-64	5	$45,000
65+	4	$40,000

Credit Limit by Card Issuer

Different issuers have different approaches:

Issuer	Starting Limit Tendency	Increase Tendency
American Express	Conservative start, generous increases	Frequent auto-increases
Chase	Moderate start	Manual request needed
Citi	Moderate start	Auto-increases possible
Capital One	Conservative start	Slower increases
Discover	Moderate start	Good auto-increases
Bank of America	Conservative start	Requires strong existing relationship
Wells Fargo	Moderate start	Mixed

How to Get a Higher Credit Limit

Request a Credit Limit Increase

Method	When to Use	Success Rate
Online request	First attempt	50-70%
Phone request	If denied online	60-75%
After income increase	Very good timing	70-85%
After 6+ months	New accounts	60-80%

Automatic Increases

Factor	Impact
On-time payments	Triggers reviews
Low utilization	Very positive signal
Account age	Older = better
Income update	Can prompt increase
Spending increase	Signals need

Best Practices for Higher Limits

Strategy	Reason
Keep utilization below 30%	Shows responsible use
Never miss a payment	Most important factor
Update income annually	Higher income = higher limits
Use the card regularly	Shows it’s valuable to you
Wait 6-12 months between requests	Looks less desperate

Starting Limits for Popular Cards

Cash Back Cards

Card	Typical Starting Limit
Citi Double Cash	$5,000-$15,000
Chase Freedom Unlimited	$5,000-$15,000
Discover it Cash Back	$2,500-$10,000
Capital One Quicksilver	$1,000-$10,000
Blue Cash Everyday	$3,000-$15,000

Travel Rewards Cards

Card	Typical Starting Limit
Chase Sapphire Preferred	$5,000-$20,000
Chase Sapphire Reserve	$10,000-$30,000
Amex Gold	No preset limit
Capital One Venture	$5,000-$20,000
Citi Premier	$5,000-$15,000

Premium Cards

Card	Typical Limit/Spending Power
Amex Platinum	No preset spending limit
Amex Centurion (Black)	No preset spending limit
JP Morgan Reserve	$10,000-$100,000+

Credit Limit Statistics

Statistic	Value
Average credit limit (single card)	$13,000
Average total limit (all cards)	$30,000
Median credit limit (single card)	$6,000
Average limits for excellent credit	$30,000+
Average limits for poor credit	$1,500

Impact of Credit Limit on Your Score

Your credit limit affects your utilization ratio:

Total Limit	$3,000 Balance	Utilization	Score Impact
$5,000	$3,000	60%	Very negative
$10,000	$3,000	30%	Moderate
$15,000	$3,000	20%	Minimal
$30,000	$3,000	10%	Positive

Higher limits = lower utilization = better score (if you don’t increase spending).

When Higher Limits Hurt

Situation	Risk
Temptation to overspend	Debt accumulation
Multiple new applications	Hard inquiries hurt score
Can’t handle the credit	May lead to missed payments

Bottom Line

Average credit limit is $13,000 per card, $30,000 total
Credit score of 750+ typically gets $15,000-$30,000 per card
Score of 650-700 typically gets $5,000-$15,000 per card
Income is almost as important as credit score for limits
Request increases every 6-12 months with good payment history
Higher limits help your utilization ratio which improves your score
Age and relationship with issuer also affect starting limits

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy