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Find Out How Get Credit Cards in the USA, The Best for Those Looking for High Limits, Download the Apps and Get Yours.
Introduction
Currently, the credit card has become an essential tool for many Americans.
After all, it not only makes everyday shopping easier, but also offers access to financial benefits, rewards programs and increases the purchasing power.
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However, many consumers are looking for something specific: cards with high limits.
So in this article, we'll explore the best cards with generous limits, explain how to get them, and which ones free apps you can use it to track your spending.
Why look for cards with high limits?
Firstly, a high limit offers more freedom to make larger purchases without compromising the total limit.
Then it helps to improve your credit score by keeping credit usage below 30%, which is ideal.
Plus, with higher limits, you can take advantage of more advantageous rewards, from miles to cashback.
The Easiest Cards to Approved with a High Initial Limit
1. Capital One Venture Rewards Credit Card
This card is highly sought after by those who want high limits from the start.
- Benefits: 2x miles per dollar spent, no annual fee the first year.
- Ease of approval: recommended credit score is 670 and above.
- Initial limit: varies between $5,000 and $10,000, depending on the customer profile.
2. Chase Sapphire Preferred Card
Certainly, this is one of the cards with the most benefits for travelers.
- Benefits: points worth more on travel reservations, car rental insurance and purchase protection.
- Initial average limit: between $5,000 and $15,000.
3. American Express Blue Cash Preferred
Although there is an annual fee after the first year, cashback benefits compensate.
- Cashback: 6% in supermarkets, 3% in gasoline and transportation.
- Ease of approval: recommended minimum score is 680.
- Initial limit: normally starts from $2,000 and can exceed $10,000.
How to Increase Your Credit Card Limit
1. Maintain a flawless payment history
First of all, paying your bill on time is the first step to showing companies that you are a good payer.
2. Use your card frequently, but responsibly
However, avoid exceeding 30% of the monthly limit. This shows financial control.
3. Request a limit increase via the app
Then, use your bank's app to request an automatic increase.
4. Have more than one active card
Therefore, having several cards with a good history helps to increase your overall score and facilitate the approval of new limits.
Free Apps to Monitor Cards and Limits
1. Credit Karma (android | iOS)
Above all, this app allows you to track your credit score and see card suggestions based on your profile.
2. Mint (android | iOS)
With it, you can control your daily expenses, limits and invoice due dates.
3. Experian (android | iOS)
Additionally, Experian monitors fraud, gives you access to your full credit report and helps protect your card.
Requirements for Obtaining a High Limit Credit Card
- Good credit score (above 680)
- Consistent credit history
- Proven stable income
- Low credit utilization rate
Conclusion
Finally, get one high limit card in the USA requires strategy, patience and financial organization.
However, with the right tips, this becomes an achievable goal for many Americans.
So, choose the card that best suits your profile, monitor your history and use apps to track your spending, Get Credit Cards in the USA
Certainly, by applying these practices, you will be closer to achieving high limits and access to exclusive benefits.
