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No Spending Limit Credit Cards

Reviews and opinions of the best credit cards with no pre-set spending limit. These cards will appeal to applicants who want the flexibility to make large purchases on a credit card.

American Express® Premier Rewards Gold Card

American Express® Premier Rewards Gold Card

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— The American Express® Premier Rewards Gold Card still reigns as the world’s most exclusive card. Enjoy the flexibility of paying in full each month and never paying finance charges or selecting certain charges to pay over time.

  • Membership Rewards(R) bonus: 25K points, redeemable for select gift cards valued at $250, when you spend $2,000 in your first three months of card membership.
  • Membership Rewards(R) points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else.
  • Exclusive access to Gold Card Destinations and events – Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, major sporting events, and more, nationwide.
  • Introductory annual fee of $0 for the first year, then $175.
  • Get a decision in as little as 60 seconds.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A N/A $0 1st year, then $175 Excellent Credit

British Airways Visa Signature Card®

Editor’s Rating –

  • You will get 50,000 bonus Avios after your first purchase
  • 25,000 bonus Avios after you make $10,000 in purchases within the first year of account opening
  • Plus an additional 25,000 bonus Avios after you make an additional $10,000 in purchases within the first year of account opening
  • That’s enough Avios for one roundtrip business class reward ticket
  • New: Smart Chip Technology allows you to use your card for chip based purchases in Europe & beyond, while still giving you the ability to use your card as you do today at home
  • Pay no foreign transaction fees when you travel abroad
  • Earn 2.5 Avios for every $1 spent on British Airways purchases
  • Earn 1.25 Avios for every $1 spent on all other purchases
  • Every year you spend $30,000 on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A 15.24% (V) $95 Excellent Credit

Marriott Rewards® Premier Credit Card – By Chase

Marriott Rewards Premier Credit Card - By Chase

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— The Marriott Rewards® Premier Credit Card – By Chase is one of the best hotel credit cards available.

  • Earn 50,000 Bonus Points after your first use
  • Receive 1 free night stay upon account approval and each year upon account anniversary
  • Earn 5 points for every $1 spent at Marriott® locations
  • Earn 2 points for every $1 spent on qualifying airline, dining, and rental car purchases
  • Earn 1 point for every $1 spent on other purchases
  • No foreign transaction fees
  • Cardmembers achieve Silver elite status with 15 nights credit toward Elite status
  • Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites
FICO Req’d
Intro
Regular APR
Fee

Excellent
None
15.24% Variable
$0 for the first year, then $85.00*

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Citi® Hilton HHonors® Visa Signature® Card

Citi Hilton HHonors Credit Card

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— The Citi® Hilton HHonors® Visa Signature® Card is a valuable hotel rewards card with no annual fee.

  • Earn 40,000 Hilton HHonors Bonus Points after spending $1000 within 4 months of account opening*
  • Earn 6 Hilton HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton Worldwide portfolio*
  • Earn 3 Hilton HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations*
  • Earn 2 Hilton HHonors Bonus Points for each $1 spent on all other purchases*
  • No annual fee.*
FICO Req’d
Intro
Regular APR
Fee

Excellent
None
14.24-16.24% (Variable)
$0

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The Platinum Card® from American Express

The Platinum Card® from American Express

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— The Platinum Card has it all: access to airport lounges, a 24-hour concierge, and world-class rewards.

  • 25,000 Membership Rewards® points when you spend $2,000 during your first three months of Card membership.
  • Global Travel Benefits: Access over 600 lounges worldwide with Priority Pass(TM) Select, no foreign transaction fees, skip U.S. customs lines with Global Entry.
  • Enroll and select an airline to receive up to $200 annually in statement credits for incidental fees such as checked bags, in-flight refreshments, and change fees.*
  • Receive a companion ticket for discounted travel when you purchase a qualifying First-or Business Class-international ticket. Additional charges/taxes apply.
  • 24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more
  • Fine Hotel & Resorts Program: exclusive upgrades and amenities at over 700 boutique, resort, and luxury hotels worldwide
  • Use Membership Rewards Pay with Points for part or all of your travel and get 20% of those points back every time.
FICO Req’d
Intro
Regular APR
Fee

Excellent
N/A
N/A
$450