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How to increase your Chase credit limit

Increase your purchasing power after a few months of responsible card use.

Your credit limit determines how much you can spend with your card. Although you can’t ask for a specific credit limit amount when you apply, you can increase your limit later on once you show consistent and responsible credit card use.

How can I find out my Chase credit limit?

Log in to your online account and find your credit limit under Account information. As an alternative, find your credit limit in your monthly credit card statement.

How do I know if I am eligible for a credit limit increase?

Before you try to increase your credit limit, make sure you’re likely to be approved. This means you need a:

  • Track record of timely payments.
  • At least half a year of credit card history with Chase.
  • Reasonable use of your credit line — as a rule of thumb up to 30% credit utilization across all cards.
  • Reasonable credit card activity.

Unfortunately, even if you meet all eligibility criteria, Chase could still decline your credit line increase request.

How to increase my Chase credit limit

There are four ways to increase your credit limit with Chase.

  • Call the bank
  • Online via your Chase account
  • Get an automatic credit limit increase
  • Apply for another card

Call the bank

When you are ready to apply for a credit line increase, call Chase customer service. Use the number on the back of your card or call 888-245-0625. Explain why you need a credit limit increase. Any solid reason will do, including being a long-term client, an increase in your income, upcoming expenses on home renovations or an upcoming wedding.

To be successful, it’s important to ask for a reasonable credit limit increase. If your current credit line is $1,000, don’t ask for $10,000. Instead, try for an increase of another $1,000 or slightly more than that. If you already have a higher credit limit, try for an increase of 10% to 25%. But if you don’t want to throw in numbers, ask for the standard credit limit increase.

This one goes without saying, but try to be polite. It always helps to be nice to the person on the other side.

Online via your Chase account

If you prefer to get your credit limit increase online, log in to your account on the Chase website. But to make the request online, you must be eligible first.

Get an automatic credit limit increase

Chase will periodically review your credit account and may increase your credit limit without you asking. To make it happen, you must:

  • Use your card regularly. Keep your card account active to show that you could use a higher credit line.
  • Use a higher amount of your credit line. Spend up to 50% of your available credit line each billing cycle. It’s hard to ask for an increase if you only use 10% of your limit.
  • Pay your balance on time. Show your bank that you can pay off your debt.

Apply for another card

Sometimes, this is the easiest way to increase your credit limit. Plus you get to choose what kind of perks to get — a 0% intro APR period, no annual fee, a rewards program or a combination of them all.

Compare cards with high credit limit

These cards often come with a generous credit line. However, we can’t guarantee that you’ll get a high credit line as it mostly depends on several factors, including your annual income, employment and creditworthiness.

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Everyday® Card from American Express
3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on other purchases (redeem as statement credit)
0% intro for the first 15 months (then 13.99% to 23.99% variable)
Earn a $200 statement credit after spending $2,000 in the first 6 months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on other purchases (redeem as statement credit)
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Earn a $300 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Luxury Card Mastercard® Black Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
14.99% variable
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.

Compare up to 4 providers

How is my Chase credit limit determined?

Chase will use multiple factors when determining the amount of your credit line, including:

  • Income. A high, steady income can open the door for a high credit limit.
  • Creditworthiness. Show your bank that you can pay off all of your debt. A high credit score and a clean credit history is the best proof.
  • Relationship with Chase. Get rewarded for your loyalty. Having a long-term relationship with your card issuer may help you get a higher credit line.
  • The type of card you apply for. Apply for a high-end credit card to get a higher credit limit. Cards like Visa Signature or Mastercard World Elite usually start off with a high minimum credit line of $5,000.

How often will Chase increase your credit limit?

Chase can make your first credit line increase after six months of having your card. After that, it’s best to wait another six months to request an increase.

Bottom line

If your current credit limit falls short, request an increase online or call Chase customer service. Before you make the request, you need to use your credit card often and you must pay your entire balance before it’s due for at least six consecutive months.

If you keep getting declined for a credit line increase or if it seems like a hassle to request one, consider applying for a new credit card.

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