When you have a credit card with a $10,000 limit, you have a lot of buying power. If the credit card also offers additional benefits such as airline miles or bonuses, you can earn a lot of rewards by charging as many purchases as possible. Although your current credit card issuers might be willing Credit utilization refers to how much of your total credit card limit you use. If you have a $10,000 line of credit with one card, you should never spend more than $3,000. If your limit is low, or if you can’t help but spend the whole limit, I recommend getting another credit card. According to reviews, Chase Sapphire Preferred® Card cardholders with credit scores above 700 have the highest limits, but only 10% of cardholders have credit limits above $20,000. The average credit limit for the Preferred card is around $10,000.