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5 Best High-Limit Business Credit Cards of December 2022

Written by Ryan Lane
Last updated on December 2, 2022

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.

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.
Featured Partner 

Capital One Spark Cash Plus

4.4
NerdWallet rating 
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent

Our Nerdy picks for

Big sign-up offer + $5,000 minimum credit line

Ink Business Preferred® Credit Card

Unlimited cash back + no preset spending limit

Capital One Spark Cash Plus

High-limit corporate card

Brex Card

Here are 5 high limit business credit cards from our partners

Sort by

Make selection

Credit card
NerdWallet rating
Annual fee
Rewards rate
Intro offer
Learn more

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

4.8/5

Best for Intro APR

$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

Ink Business Preferred® Credit Card

Apply now

on Chase's website

5.0/5

Best for Big sign-up offer + $5,000 minimum credit line

$95

1x-3x

Points

100,000

Points

Apply now

on Chase's website

Capital One Spark Cash Plus

Apply now

on Capital One's website

4.4/5

Best for Unlimited cash back + no preset spending limit

$150

2%-5%

Cashback

$1,000

Apply now

on Capital One's website

The Business Platinum Card® from American Express

Apply now

on American Express' website

5.0/5

Best for Flexible spending

$695

1x-5x

Points

120,000

Points

Apply now

on American Express' website

Rates & Fees

Brex Card

Apply now

on Brex's website

3.3/5

Best for High-limit corporate card

$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

Our pick for

Intro APR

The Blue Business® Plus Credit Card from American Express

4.8
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Pros

  • No annual fee
  • High rewards rate
  • Intro APR period
  • Transfer partners

Cons

  • Spending caps on bonus rewards
  • Requires good/excellent credit

The Blue Business® Plus Credit Card from American Express

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.8/5
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Pros

  • No annual fee
  • High rewards rate
  • Intro APR period
  • Transfer partners

Cons

  • Spending caps on bonus rewards
  • Requires good/excellent credit

Our pick for

Big sign-up offer + $5,000 minimum credit line

Ink Business Preferred® Credit Card

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Pros

  • New cardholder bonus offer
  • Bonus categories
  • Transfer partners

Cons

  • Has annual fee
  • No intro APR offer

Ink Business Preferred® Credit Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Pros

  • New cardholder bonus offer
  • Bonus categories
  • Transfer partners

Cons

  • Has annual fee
  • No intro APR offer

Our pick for

Unlimited cash back + no preset spending limit

Capital One Spark Cash Plus

4.4
NerdWallet rating 
Read Review
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent
720-850 (Excellent)

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

Capital One Spark Cash Plus

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.4/5
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Recommended Credit Score
720-850excellent
720-850 (Excellent)

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

Our pick for

Flexible spending

The Business Platinum Card® from American Express

5.0
NerdWallet rating 
Read Review
Apply now

on American Express' website

Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
120,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Pros

  • Lounge membership
  • Transfer partners
  • Bonus categories
  • Automatic elite status
  • Premium travel protections

Cons

  • High annual fee
  • Complicated rewards
  • Requires good/excellent credit

The Business Platinum Card® from American Express

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

5.0/5
Apply now

on American Express' website

Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
120,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Pros

  • Lounge membership
  • Transfer partners
  • Bonus categories
  • Automatic elite status
  • Premium travel protections

Cons

  • High annual fee
  • Complicated rewards
  • Requires good/excellent credit

Our pick for

High-limit corporate card

Brex Card

3.3
NerdWallet rating 
Read Review
Apply now

on Brex's website

Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points
Recommended Credit Score
300850poor - excellent
300-850 (Poor - Excellent)

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

Brex Card

NerdWallet rating 

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

3.3/5
Apply now

on Brex's website

Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points
Recommended Credit Score
300850poor - excellent
300-850 (Poor - Excellent)

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

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 Mastercard® Credit Card
may be a good choice for bad-credit borrowers. The secured business credit card requires a credit check (personal credit) and security deposit (between $2,200 and $110,000 in multiples of $50) which dictates your credit limit. Your deposit earns interest and card activity is reported to Dun & Bradstreet, one of the three main business credit bureaus, so on-time payments will help build your business credit score. 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 December 2, 2022

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.