Credit One Platinum’s maximum credit limit is around $2,000, according to customer reviews. Some people report being approved for this amount right away, while others have worked up to it over years of responsible card use.
The minimum credit limit for Credit One Platinum is just $300. Credit One Bank does not officially disclose a maximum credit limit for the card, so user reviews are all we have to go on. In addition, the credit limit you start with will not necessarily be your final credit limit, as plenty of customers report getting credit limit increases after having the card open for as little as six months.
Credit One Platinum Credit Limit Key Facts
- Minimum credit limit: $300
- Maximum credit limit: Around $2,000, reportedly
- Amount of time for credit limit increase: As soon as six months after getting the card
You can learn more about Credit One Platinum, as well as the process for getting a credit limit increase, on WalletHub.
This answer was first published on 11/11/22 and it was last updated on 01/08/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
FAQs
Credit One Credit Card Limits
| Card | Minimum Credit Line | Reported Maximum Credit Line |
|---|
| Credit One Bank® Platinum Visa® | $300 | $1,400 |
| Credit One Bank® Platinum Visa® for Rebuilding Credit | $300 | $1,500 |
| Credit One Bank American Express® Card | $300 | $5,000 |
| Credit One Bank® Platinum X5 Visa® | $500 | $3,000 |
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The Capital One Platinum credit limit can be as high as $3,000 according to online cardholder reports, but it will depend entirely on the specifics of each applicant's credit and their overall financial situation. Most cardholders get credit limits of at least $300, though.
What is the credit limit for Credit One up to $2000? ›
Credit One Platinum's maximum credit limit is around $2,000, according to customer reviews. Some people report being approved for this amount right away, while others have worked up to it over years of responsible card use. The minimum credit limit for Credit One Platinum is just $300.
How often will Credit One increase your credit limit? ›
Credit One will increase your credit limit no more than once every six months. This time frame applies whether you request a credit limit increase yourself or wait for Credit One to offer you an automatic increase, and it's typical for credit card companies to have a waiting period between increases.
How do I increase my credit limit on Credit One platinum? ›
Your account is automatically considered for a higher credit limit based on your credit score and payment history with Credit One Bank. But you can also simply request an increase yourself. To do so, sign into your online account at https://www.creditonebank.com and select “Settings” from the site menu.
What is the credit limit for Credit One Bank Platinum X5? ›
The application process can be complicated. The $95 annual fee eats into your $500 minimum credit limit. You'll find higher annual spending caps on rotating bonus category cards.
How often does Capital One Platinum increase credit limit? ›
Cardholders are automatically considered for a credit limit increase in as little as six months.
Which is better Quicksilver or Platinum? ›
THE WINNER. Capital One Quicksilver is better than Capital One Platinum because it offers attractive rewards and a 0% introductory APR. Capital One Platinum doesn't offer low introductory rates or any kind of rewards – just the ability to build credit without paying an annual fee.
What is the hardest Capital One card to get? ›
Capital One Venture X Rewards Credit Card
A rating of 5 is the best a card can receive. Why it's one of the hardest credit cards to get: The Capital One Venture X Rewards Credit Card is hard to get because it requires excellent credit for approval and charges an annual fee of $395. You get a lot in return, though.
Is $20000 a high credit limit? ›
Yes, $20,000 is a high credit card limit. Generally, a high credit card limit is considered to be $5,000 or more, and you will likely need good or excellent credit, along with a solid income, to get a limit of $20,000 or higher.
Yes, $25,000 is a high credit card limit.
What is a realistic credit limit? ›
If you're just starting out, a good credit limit for your first card might be around $1,000. If you have built up a solid credit history, a steady income and a good credit score, your credit limit may increase to $5,000 or $10,000 or more — plenty of credit to ensure you can purchase big ticket items.
Why won t Credit One give me a credit increase? ›
You usually need to have the card for at least 6 months, and have a spotless payment history. Even if you want to request a higher limit, rather than waiting to be offered one, you shouldn't do it unless you've got a nice string of on-time payments under you belt.
Does Credit One give limit increases? ›
Credit One may increase your credit limit automatically, but you can also call the company to request a credit line increase. In many cases, it's possible to receive a higher credit limit if you simply ask for one.
Will Credit One increase my limit? ›
Credit One Bank automatically reviews your account for credit limit increase eligibility and lets you know as soon as you're eligible for a higher credit line, but you can also request an increase by calling customer service at 877-825-3242.
What credit score do you need for Credit One platinum? ›
The Credit One Bank® Platinum Visa® credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Credit One Platinum Card.
How many Credit One platinum cards can you have? ›
You can have two Credit One credit cards, but that might not be such a good idea, taking into consideration the annual fees, high APR and low credit limits. Keep in mind, though, that if you have a bunch of credit cards with high balances, it's quite possible you'll get denied for more credit.
Is a 9000 credit limit good? ›
As such, if you have one of these cards, you might consider a $5,000 credit limit to be bad and a limit of $10,000 or more to be good. Overall, any credit limit of five figures or more is broadly accepted as a high credit limit. The main exception to the usual credit limit rules are secured credit cards.
