Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Credit limits on business credit cards can be a frustrating roadblock for startups, expanding businesses and mature companies alike. A business credit card with no preset limit removes that obstacle — giving your company the spending power it needs.
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, which typically don't let you carry a balance. That means you'll need the cash flow to match your expenses.
Here are the best business credit cards with no preset spending limit.
250+ small-business products reviewed and rated by our team of experts.
95+ years of combined experience covering small-business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
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.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Credit limits on business credit cards can be a frustrating roadblock for startups, expanding businesses and mature companies alike. A business credit card with no preset limit removes that obstacle — giving your company the spending power it needs.
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, which typically don't let you carry a balance. That means you'll need the cash flow to match your expenses.
Here are the best business credit cards with no preset spending limit.
250+ small-business products reviewed and rated by our team of experts.
95+ years of combined experience covering small-business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
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.
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Our pick for
Extra cash back on large purchases
Ink Business Premier® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
This card ups the rewards rate for purchases of $5,000 or more to 2.5% (all other purchases earn
2
%). There's also a massive welcome offer and the option to finance some purchases if needed.Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
This card ups the rewards rate for purchases of $5,000 or more to 2.5% (all other purchases earn
2
%). There's also a massive welcome offer and the option to finance some purchases if needed.Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
Cons
- Has annual fee
- Requires good/excellent credit
- Purchases that don’t qualify for Flex for Business must be paid in full every month
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
Our pick for
Maximizing rewards with bonus categories
American Express® Business Gold Card
Annual fee
$375
Rewards rate
1x-4x Points
Intro offer
100,000 Points
This card offers up to 4X points in your top two spending categories each month (up to $150,000 in spending each year). Max those out and you'll easily recoup your annual fee — and then some. Eligible categories include advertising, software, gas stations, restaurants, transit and wireless telephone service (only purchases made in the U.S. qualify). Terms apply.
Annual fee
$375
Rewards rate
1x-4x Points
Intro offer
100,000 Points
This card offers up to 4X points in your top two spending categories each month (up to $150,000 in spending each year). Max those out and you'll easily recoup your annual fee — and then some. Eligible categories include advertising, software, gas stations, restaurants, transit and wireless telephone service (only purchases made in the U.S. qualify). Terms apply.
Pros
- Bonus categories
- Transfer partners
- Luxury perks
Cons
- Has annual fee
- Complicated rewards
- Spending caps on bonus rewards
- Requires good/excellent credit
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 19.49% to 28.49% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
View Rates & Fees
Our pick for
Frequent business travel
The Business Platinum Card® from American Express
Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
150,000 Points
This card combines no preset spending limit with luxury travel perks like airport lounge access, automatic elite status and an annual credit for airline incidental fees, just to name a few. Terms apply.
Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
150,000 Points
This card combines no preset spending limit with luxury travel perks like airport lounge access, automatic elite status and an annual credit for airline incidental fees, just to name a few. Terms apply.
Pros
- Lounge membership
- Transfer partners
- Bonus categories
- Automatic elite status
- Premium travel protections
Cons
- High annual fee
- Complicated rewards
- Requires good/excellent credit
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
View Rates & Fees
NerdWallet's editorial picks: Best business cards with no preset spending limit
The Business Platinum Card® from American Express
Best for: Frequent business travel
NerdWallet star rating:
4.8
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.Ink Business Premier® Credit Card
Best for: Extra cash back on large purchases
NerdWallet star rating:
4.5
This business charge card delivers with a generous welcome offer, no preset spending limit and a higher cash-back rate for big purchases:
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. Earn unlimited 5% total cash back on travel purchased through Chase Travel℠.
You have to pay your balance in full each month, but there is an option to finance certain purchases, up to a set limit. 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 following options offer this feature, and they may make sense if no limit is your priority. But we rate the cards above as better overall choices.
- The Plum Card® from American Express.2.1stars. 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.
- Business Green Rewards Card from American Express.2.3stars. 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 offer, though. There's also an annual fee: $95.
The American Express Blue Business Cash™ Card
and The Blue Business® Plus Credit Card from American Express
may also be worth considering depending on your spending. These cards offer expanded buying power, which lets you go above your credit limit in certain instances. This feature isn't as forgiving as no preset limit, but it could offer your business some wiggle room as needed. Terms apply. 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.
The
Ink Business Premier® Credit Card
has a Flex for Business feature that lets you finance purchases of $500 or more, up to a preset limit. (Flex for Business Variable APR: 19.49%-27.49%
.)The Business Platinum Card® from American Express
and the American Express® Business Gold Card
have a similar feature. 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 ExpressPay Over Time:The ongoing APR is 19.49%-28.49% Variable APR. Terms apply.
- American Express® Business Gold Card0% intro APR on Purchases for 6 months, and then the ongoing APR of 19.49%-28.49% 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. This type of financing can let you tap into working capital as needed — at potentially much higher limits than a credit card will offer. For instance, Chase's business line of credit has a maximum amount of $
500000
.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, though.
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.View rates and fees of
Capital One Spark Cash Plus
.Last updated on July 26, 2024
Methodology
NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn more about how we rate business credit cards.
