5 Best High-Limit Business Credit Cards of December 2021
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Many business credit cards don’t publish maximum credit limits. In part, that’s because issuers set limits based on each individual applicant’s creditworthiness. The best way to get a high-limit business credit card is to have excellent credit, strong income and little debt.
Make your spending count. Using less than 30% of your credit limit is good for your business credit score. But if you plan to take advantage of a high limit, get your money’s worth: Consider small-business credit cards with generous welcome bonuses or long 0% annual percentage rate introductory periods, which can let you repay big purchases over time without interest.
Some of our selections for the best high-limit business credit cards can be applied for through NerdWallet, and some cannot. Below, you'll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
Many business credit cards don’t publish maximum credit limits. In part, that’s because issuers set limits based on each individual applicant’s creditworthiness. The best way to get a high-limit business credit card is to have excellent credit, strong income and little debt.
Make your spending count. Using less than 30% of your credit limit is good for your business credit score. But if you plan to take advantage of a high limit, get your money’s worth: Consider small-business credit cards with generous welcome bonuses or long 0% annual percentage rate introductory periods, which can let you repay big purchases over time without interest.
Some of our selections for the best high-limit business credit cards can be applied for through NerdWallet, and some cannot. Below, you'll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
Best High-Limit Business Credit Cards From Our Partners
Our pick for
Intro APR
on American Express's website
on American Express's website
Annual fee
$0
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Regular APR
13.24%-19.24% Variable APR
Recommended Credit Score
Pros
No annual fee
High rewards rate
Intro APR period
Transfer partners
Cons
Spending caps on bonus rewards
Requires good/excellent credit
Pros
No annual fee
High rewards rate
Intro APR period
Transfer partners
Cons
Spending caps on bonus rewards
Requires good/excellent credit
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
*The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
No Annual Fee
Terms Apply
- View Rates & Fees
Our pick for
Big sign-up offer + $5,000 minimum credit line
on Chase's website
on Chase's website
Annual fee
$95
Intro APR
N/A
Regular APR
15.99%-20.99% Variable APR
Recommended Credit Score
Pros
New cardholder bonus offer
Bonus categories
Transfer partners
Cons
Has annual fee
No intro APR offer
Pros
New cardholder bonus offer
Bonus categories
Transfer partners
Cons
Has annual fee
No intro APR offer
Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Our pick for
Unlimited cash back + no preset spending limit
on Capital One's website
on Capital One's website
Annual fee
$150
Intro APR
N/A
Regular APR
N/A
Recommended Credit Score
Pros
Earns cash back on primary and employee cards
Rewards don’t expire
No foreign transaction fees
Cons
Balance must be paid in full every month
Has annual fee
Pros
Earns cash back on primary and employee cards
Rewards don’t expire
No foreign transaction fees
Cons
Balance must be paid in full every month
Has annual fee
Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Earn an annual $200 cash bonus every year you spend $200,000 or more
Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Add employee cards for free, and earn unlimited 2% cash back from their purchases
$150 annual fee
Spark Cash Plus has no APR because your balance is due in full every month
Our pick for
Flexible spending
on American Express's website
on American Express's website
Annual fee
$595 (10/14-1/12/22)
Intro APR
See Pay Over Time APR
Regular APR
14.24%-22.24% Variable APR
Recommended Credit Score
Pros
Lounge membership
Transfer partners
Bonus categories
Automatic elite status
Premium travel protections
Cons
Has annual fee
Complicated rewards
Requires good/excellent credit
Pros
Lounge membership
Transfer partners
Bonus categories
Automatic elite status
Premium travel protections
Cons
Has annual fee
Complicated rewards
Requires good/excellent credit
Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
Earn 1.5X Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.
Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
$179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
Access to more than 1,300 airport lounges across 140 countries and counting with The American Express Global Lounge Collection®. More lounge options than any other credit card on the market as of 8/2020.
$595 Annual Fee ($695 if application is received on or after 01/13/2022).
Terms Apply.
- View Rates & Fees
Our pick for
High-limit corporate card
on Brex's website
on Brex's website
Annual fee
$0
Intro APR
N/A
Regular APR
N/A
Recommended Credit Score
Pros
No annual fee
New cardholder bonus offer
Qualify with limited/bad credit
Bonus categories
No foreign transaction fees
No personal guarantee
Cons
Complicated rewards
No Intro APR
No revolving balances
Pros
No annual fee
New cardholder bonus offer
Qualify with limited/bad credit
Bonus categories
No foreign transaction fees
No personal guarantee
Cons
Complicated rewards
No Intro APR
No revolving balances
Get 10,000 points when you spend your first $1,000 on your Brex card, another 10,000 when you spend $3,000 in 3 months on your card, and 20,000 more when you link payroll to your Brex account.
No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
Credit limits 10-20x higher than traditional small business corporate cards.
Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
| Credit Card | NerdWallet Rating | Annual fee | Intro APR | Regular APR | Learn More |
|---|---|---|---|---|---|
The Blue Business® Plus Credit Card from American Express Apply now on American Express's website | Best for Intro APR | $0 | 0% intro APR on purchases for 12 months from the date of account opening | 13.24%-19.24% Variable APR | Apply now on American Express's website |
Ink Business Preferred® Credit Card Apply now on Chase's website | Best for Big sign-up offer + $5,000 minimum credit line | $95 | N/A | 15.99%-20.99% Variable APR | Apply now on Chase's website |
Capital One Spark Cash Plus Apply now on Capital One's website | Best for Unlimited cash back + no preset spending limit | $150 | N/A | N/A | Apply now on Capital One's website |
The Business Platinum Card® from American Express Apply now on American Express's website | Best for Flexible spending | $595 (10/14-1/12/22) | See Pay Over Time APR | 14.24%-22.24% Variable APR | Apply now on American Express's website |
Brex Card Apply now on Brex's website | Best for High-limit corporate card | $0 | N/A | N/A | Apply now on Brex's website |
FULL LIST OF EDITORIAL PICKS: BEST HIGH-LIMIT BUSINESS CREDIT CARDS
Click the card name to read our review. Before applying, confirm details on the issuer’s website.
Our pick for: Intro APR
The Blue Business® Plus Credit Card from American Express boasts one of the better introductory APR offers among business credit cards, no annual fee and solid cash back (though the rate drops after you hit a spending threshold). Read our review.
Our pick for: Big sign-up offer + $5,000 minimum credit line
The Ink Business Preferred® Credit Card starts you off with one of the biggest sign-up bonuses of any credit card anywhere (assuming you spend enough to earn it), then gives you bonus rewards in common business spending categories. Points are worth 25% more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. Read our review.
Our pick for: Unlimited cash back + no preset spending limit
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. You get a high, flat rewards rate on every purchase, with no limit to how much you can earn. 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. Read our review.
Our pick for: Flexible spending
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, including high rewards on certain travel purchases and hundreds of dollars a year in available credits. The card also has no preset spending limit; the amount available to you shifts based on factors like your purchase and payment history. Read our review.
Our pick for: High-limit corporate card
The Brex Card uses factors such as cash flow and spending patterns to offer dynamic credit limits that align with a business's repayment abilities — for better or worse. It’s a good option when a business owner has a thin credit file but is well-capitalized. The card earns rewards, too. Read our review.
Our pick for: High-limit secured business credit card
If you can afford to put a lot of money down, the First National Bank Business Edition® Secured® Visa Card may be a good choice for bad-credit borrowers. Your security deposit will earn interest, and First National Bank lets you choose your own credit limit between $2,000 and $100,000 (in multiples of $50) when you apply. This card charges a $39 annual fee. Read our review.
How do business credit cards determine limits?
Business credit card issuers determine your credit limit based on your ability to pay. Providers can evaluate this standard differently, but information that may affect their decision includes:
Your personal income and debt.
Your personal credit score.
Your business’s credit history.
Your business’s annual income.
Your business’s estimated monthly credit card spending.
Understanding these factors — and potentially improving them before you apply — will put you in the best position to get a high-limit business credit card. If you’re approved for a card with a lower limit than you want, see if you can provide the issuer with additional business information to receive a larger line of credit.
What business credit card gives the highest limit?
Many business credit cards don’t publish a maximum limit. But options with large annual fees or generous reward rates may give you the highest limit because these cards are meant for big spenders or customers with excellent credit.
Some providers do share the minimum credit line that approved applicants will receive — though this is a starting point and you could qualify for a larger amount. Here are some well-known issuers’ business credit cards with the highest minimum limits:
Business Credit Card | Minimum Credit Limit |
|---|---|
Ink Business Preferred® Credit Card | $5,000 |
Capital One Spark Cash for Business | $5,000 |
Wells Fargo Business Platinum Credit Card | $2,500 |
Discover it® Business Card | $500 |
American Express offers multiple business credit cards but does not share its minimum credit limit. The Business Platinum Card® from American Express, however, is among its offerings with no preset limit, which means your spending limit is flexible and the amount you can spend adapts based on factors such as your purchase, payment, and credit history. This type of card may be a good choice if you want a high limit because your costs vary.
Be sure to compare all of a card’s terms and features to find the right choice for your business. For example, the Capital One Spark Cash Select - $500 Cash Bonus has a lower minimum limit ($2,000) than the Capital One Spark Cash for Business, but it lacks the $95 annual fee the latter card charges after your first year.
Also, remember that limits aren’t set in stone. If you handle your account responsibly — or your financial situation improves — you can always request a higher credit limit.
Last updated on November 29, 2021
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.
