The race-ready Polaris RZR Pro R Factory sells for $139,999, which is a relative bargain compared to bespoke racing UTVs.

Some high-limit cards also require you to be able to qualify for at least a $5,000+ credit limit, just to be approved. Below, CNBC Select looks at how you can get a high-limit credit card ...

Savings: We offer low rates and plenty of discounts. More riding freedom: Your UTV is covered in and off your property. OEM parts in repairs: We use OEM parts in repairs and don’t depreciate anything.