Best Business Credit Cards With No Preset Spending Limit of June 2025
Expand your purchasing power with a business card that has no preset limit.
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Just note: "No preset spending limit" isn't the same as "no limit." You simply won't have a set cap on your credit line. Also, many of these options will be business charge cards
Here are the best business credit cards with no preset spending limit.
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Our editorial team chose the cards that appear on this page without outside input. Those highlighted below are available from our partners; our full editorial picks section has a complete list, including those not available through NerdWallet.
Best Business Credit Cards With No Preset Spending Limit
| Credit card | Best for | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|---|
 Capital One Spark Cash Plus on Capital One's website | Overall business card with no preset limit | $150 | 2%-5% Cashback | $2,000 | on Capital One's website | |
| Pros
Cons
| ||||||
 American Express® Business Gold Card | Maximizing rewards with bonus categories | $375 | 1x-4x Points | 100,000 Points | ||
| Pros
Cons
| ||||||
 The Business Platinum Card® from American Express on American Express' website | Frequent business travel | $695 | 1x-5x Points | 150,000 Points | on American Express' website | |
| Pros
Cons
| ||||||
Here are the best business card no credit limit
Annual fee
$150
Rewards rate
2%-5%
Cashback
Intro offer
$2,000
on Capital One's website
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Capital One Spark Cash Plus
Best for Overall business card with no preset limit
Annual fee
$150
Rewards rate
2%-5%
Cashback
Intro offer
$2,000
on Capital One's website
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Pros
- Transfer partners
- New cardholder bonus offer
- Intro APR period
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
American Express® Business Gold Card
Best for Maximizing rewards with bonus categories
Annual fee
$375
Rewards rate
1x-4x
Points
Intro offer
100,000
Points
Pros
- Transfer partners
- New cardholder bonus offer
- Intro APR period
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
Annual fee
$695
Rewards rate
1x-5x
Points
Intro offer
150,000
Points
on American Express' website
Pros
- Lounge membership
- Transfer partners
- Automatic elite status
- Annual statement credit for travel, business expenses
- New cardholder bonus offer
Cons
- High annual fee
- Low ongoing rewards rate
The Business Platinum Card® from American Express
Best for Frequent business travel
Annual fee
$695
Rewards rate
1x-5x
Points
Intro offer
150,000
Points
on American Express' website
Pros
- Lounge membership
- Transfer partners
- Automatic elite status
- Annual statement credit for travel, business expenses
- New cardholder bonus offer
Cons
- High annual fee
- Low ongoing rewards rate
NerdWallet's editorial picks: Best business cards with no preset spending limit
Capital One Spark Cash Plus
Best for: Overall business card with no preset limit
NerdWallet star rating: 4.9
The Capital One Spark Cash Plus is an excellent option for business operators whose expenses don't fall into the bonus categories on other business credit cards. There's no preset spending limit and you get a high, flat rewards rate on every purchase. Plus, you can earn a welcome bonus if you hit certain spending requirements. Just make sure that you can pay off your spending in full each month, as this is a charge card that doesn't let you revolve a balance. (See rates and fees .) Learn more and apply
The Business Platinum Card® from American Express
Best for: Frequent business travel
NerdWallet star rating: 4.5
The Business Platinum Card® from American Express comes with a big annual fee. But business travelers who prefer to go in style will find plenty that appeals to them: high rewards on certain travel purchases, bonus rewards on larger nontravel purchases, a superb newcomer welcome offer, extensive airport lounge access, elite hotel status, hundreds of dollars a year in available credits and a list of perks as long as your arm. It's not cheap, but luxury never is. Terms apply. Learn more and apply
American Express® Business Gold Card
Best for: Maximize rewards with bonus categories
NerdWallet star rating: 4.3
The rewards on the American Express® Business Gold Card adjust according to your spending. You automatically earn bonus rewards in the top two eligible categories where you spend the most each month. That can translate into outstanding rewards, as long as your business spends money in those categories. If it doesn't, the steep annual fee probably isn't worth it. The card has six bonus categories: advertising, gas stations, restaurants, software, transit and wireless telephone service. Only purchases made in the U.S. qualify for bonus categories. Learn more and apply
Other business credit cards with no preset spending limit
No preset spending limit is a hallmark of many American Express business cards
- The Plum Card® from American Express. 3.6 stars . This card's selling point is its flexibility. You get the option to either pay your bill in full or defer a portion of it for up to 60 days without interest. However, you'll pay a steep annual fee for that benefit ($250) and only get rewards on payments made within 10 days of your statement's closing period (see
rates and fees ). - Business Green Rewards Card from American Express . 3.3 stars. This card marries no preset limit with a more traditional pay-over-time option. You'll earn AmEx points for all purchases, but the 1x rate for the vast majority of them is about as low as it gets. Prepaid flights and hotels booked via AmEx's travel portal earn slightly more (2x). That's still far below what the
best business travel cards
What does no preset spending limit mean?
"No preset spending limit" means your spending limit is flexible. It's not the same thing as "no limit" — or unlimited — spending. Rather, how much you can put on your card adapts. Issuers base that amount on factors such as your purchase, payment and credit history. And charges can still be declined even when you you have no limit.
A card with no preset spending limit offers a business greater leeway when making purchases. For instance, say a standard business credit card gave you a limit of $5,000. If you had an expense greater than that amount, you'd have to split it across multiple cards or find a different way to pay it.
Can you carry a balance if you have no preset limit?
This is the catch with business cards with no preset limit: Typically, you have to pay your full balance each month. After all, issuers that let you run run up a bigger bill want to make sure your business can foot those costs. But there are a few exceptions.
For instance, The Business Platinum Card® from American Express and the American Express® Business Gold Card have cardholders can opt-in to a "Pay Over Time" feature. When activated, purchases of $100 or more are automatically classified as Pay Over Time and are subject to interest charges:
- The Business Platinum Card® from American Express Pay Over Time: The ongoing APR is 18.49%-27.49% Variable APR. Terms apply.
- American Express® Business Gold Card 0% intro APR on Purchases for 6 months, and then the ongoing APR of 18.49%-27.49% Variable APR. Terms apply.
Alternatives to business credit cards with no preset limit
If traditional business credit card limits aren't high enough for your ongoing spending, you may want to consider a business line of credit
These small-business loans often have stricter eligibility criteria than business credit cards. While most small-business card approvals depend on your personal credit score, business lines of credit will weigh that factor alongside others like your time in business and annual revenue. Some online lenders may be willing to extend credit lines to startups
To view rates and fees of the American Express® Business Gold Card, see this page
To view rates and fees of The Business Platinum Card® from American Express, see this page
To view rates and fees of The Plum Card® from American Express, see this page
To view rates and fees of the Business Green Rewards Card from American Express, see this page
View rates and fees of Capital One Spark Cash Plus.