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Best High-Limit Business Credit Cards of July 2024

High-limit business credit cards give you the runway — and the rewards — to get the most out of your business spending. Compare our top picks.
By Kelsey Sheehy
Last updated on June 21, 2024
Edited byRyan Lane
Fact checked and reviewed

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.

The best way to get a high-limit business credit card is to opt for a charge card. These small-business credit cards, such as the
Capital One Spark Cash Plus
and
Ink Business Premier® Credit Card
, often have no preset spending limit. That means you can charge as much as your business needs — though you'll have to pay those expenses off in full every month, since business charge cards typically won't let you carry a balance.
But you can get a high limit on any business card if you have excellent credit and a low debt-to-income ratio. Issuers set different card limits for each applicant based on their creditworthiness, taking into account your personal credit, business and personal income and any outstanding debt. (Note: Most cards don’t publish a maximum credit limit.) If you have an incorporated business with especially strong financials, corporate credit cards may be another high-limit option.
Make the most of your high limit — and your business's high spending. Opt for a card with the right combination of perks for you, like a generous welcome bonus, ongoing cash-back or travel rewards and a long 0% annual percentage rate introductory period. Just remember: Using less than 30% of your credit limit is good for your business credit score.
Note: Some of our selections 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

 
The Business Platinum Card® from American Express
American Express

The Business Platinum Card® from American Express

Rates and Fees
NerdWallet Rating 
4.8
Reward Rate 

1x-5x

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.

The best way to get a high-limit business credit card is to opt for a charge card. These small-business credit cards, such as the
Capital One Spark Cash Plus
and
Ink Business Premier® Credit Card
, often have no preset spending limit. That means you can charge as much as your business needs — though you'll have to pay those expenses off in full every month, since business charge cards typically won't let you carry a balance.
But you can get a high limit on any business card if you have excellent credit and a low debt-to-income ratio. Issuers set different card limits for each applicant based on their creditworthiness, taking into account your personal credit, business and personal income and any outstanding debt. (Note: Most cards don’t publish a maximum credit limit.) If you have an incorporated business with especially strong financials, corporate credit cards may be another high-limit option.
Make the most of your high limit — and your business's high spending. Opt for a card with the right combination of perks for you, like a generous welcome bonus, ongoing cash-back or travel rewards and a long 0% annual percentage rate introductory period. Just remember: Using less than 30% of your credit limit is good for your business credit score.
Note: Some of our selections 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

 
The Business Platinum Card® from American Express
American Express

The Business Platinum Card® from American Express

Rates and Fees
NerdWallet Rating 
4.8
Reward Rate 

1x-5x

Here are the best high-limit business credit cards from our partners

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

The Business Platinum Card® from American Express

Apply now

on American Express' website

Rates & Fees

4.8/5

Best for Luxury travel perks

$695

1x-5x

Points

150,000

Points

Apply now

on American Express' website

Rates & Fees

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.4/5

Best for Intro APR period

$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

American Express® Business Gold Card

Apply now

on American Express' website

Rates & Fees

4.2/5

Best for Bonus categories that sync with your spending (up to 4X points)

$375

1x-4x

Points

70,000

Points

Apply now

on American Express' website

Rates & Fees

Ink Business Preferred® Credit Card

Apply now

on Chase's website

4.9/5

Best for Big sign-up offer

$95

1x-3x

Points

100,000

Points

Apply now

on Chase's website

Capital One Venture X Business

Apply now

on Capital One's website

Rates & Fees

5.0/5

Best for High-limit business travel card

$395

2x-10x

Miles

150,000

Miles

Apply now

on Capital One's website

Rates & Fees

Capital One Spark Cash Plus

Apply now

on Capital One's website

Rates & Fees

5.0/5

Best for Unlimited cash back + no preset spending limit

$150

2%-5%

Cashback

$1,200

Apply now

on Capital One's website

Rates & Fees

Brex Card

Apply now

on Brex's website

2.9/5

Best for Corporate card for venture-backed startups

$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

Ramp Card

Apply now

on Ramp's website

3.6/5

Best for Corporate card with simple rewards

$0

1.5%

Cashback

N/A

Apply now

on Ramp's website

Ink Business Premier® Credit Card

Apply now

on Chase's website

4.5/5

Best for Up to 2.5% cash back and no preset spending limit

$195

2%-5%

Cashback

$1,000

Apply now

on Chase's website

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

The Business Platinum Card® from American Express

Apply now

on American Express' website

Rates & Fees

4.8/5

Best for Luxury travel perks

$695

1x-5x

Points

150,000

Points

Apply now

on American Express' website

Rates & Fees

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.4/5

Best for Intro APR period

$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

American Express® Business Gold Card

Apply now

on American Express' website

Rates & Fees

4.2/5

Best for Bonus categories that sync with your spending (up to 4X points)

$375

1x-4x

Points

70,000

Points

Apply now

on American Express' website

Rates & Fees

Ink Business Preferred® Credit Card

Apply now

on Chase's website

4.9/5

Best for Big sign-up offer

$95

1x-3x

Points

100,000

Points

Apply now

on Chase's website

Capital One Venture X Business

Apply now

on Capital One's website

Rates & Fees

5.0/5

Best for High-limit business travel card

$395

2x-10x

Miles

150,000

Miles

Apply now

on Capital One's website

Rates & Fees

Capital One Spark Cash Plus

Apply now

on Capital One's website

Rates & Fees

5.0/5

Best for Unlimited cash back + no preset spending limit

$150

2%-5%

Cashback

$1,200

Apply now

on Capital One's website

Rates & Fees

Brex Card

Apply now

on Brex's website

2.9/5

Best for Corporate card for venture-backed startups

$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

Ramp Card

Apply now

on Ramp's website

3.6/5

Best for Corporate card with simple rewards

$0

1.5%

Cashback

N/A

Apply now

on Ramp's website

Ink Business Premier® Credit Card

Apply now

on Chase's website

4.5/5

Best for Up to 2.5% cash back and no preset spending limit

$195

2%-5%

Cashback

$1,000

Apply now

on Chase's website

Discover business products tailored to your needs

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I'M INTERESTED IN:

Our pick for

Luxury travel perks

The Business Platinum Card® from American Express

Read Review
Apply now

on American Express' website

Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
150,000 Points

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 

4.8/5
Apply now

on American Express' website

Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
150,000 Points

Our pick for

Intro APR period

The Blue Business® Plus Credit Card from American Express

Read Review
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points

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 

4.4/5
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points

Our pick for

Bonus categories that sync with your spending (up to 4X points)

American Express® Business Gold Card

Read Review
Apply now

on American Express' website

Annual fee
$375
Rewards rate
1x-4x Points
Intro offer
70,000 Points

Pros

  • Bonus categories
  • Transfer partners
  • Luxury perks

Cons

  • Has annual fee
  • Complicated rewards
  • Spending caps on bonus rewards
  • Requires good/excellent credit

American Express® Business Gold Card

NerdWallet rating 

4.2/5
Apply now

on American Express' website

Annual fee
$375
Rewards rate
1x-4x Points
Intro offer
70,000 Points

Our pick for

Big sign-up offer

Ink Business Preferred® Credit Card

Read Review
Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points

Pros

  • New cardholder bonus offer
  • Bonus categories
  • Transfer partners

Cons

  • Has annual fee
  • No intro APR offer

Ink Business Preferred® Credit Card

NerdWallet rating 

4.9/5
Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points

Our pick for

High-limit business travel card

Capital One Venture X Business

Read Review
Apply now

on Capital One's website

Annual fee
$395
Rewards rate
2x-10x Miles
Intro offer
150,000 Miles

Pros

  • Lounge membership
  • High rewards rate
  • Welcome offer

Cons

  • High annual fee
  • Requires excellent credit
  • Balance must be paid in full every month

Capital One Venture X Business

NerdWallet rating 

5.0/5
Apply now

on Capital One's website

Annual fee
$395
Rewards rate
2x-10x Miles
Intro offer
150,000 Miles

Our pick for

Unlimited cash back + no preset spending limit

Capital One Spark Cash Plus

Read Review
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,200

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
  • High spending requirement to hit full welcome bonus, annual bonus offers

Capital One Spark Cash Plus

NerdWallet rating 

5.0/5
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$1,200

Our pick for

Corporate card for venture-backed startups

Brex Card

Read Review
Apply now

on Brex's website

Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points

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 structure
  • High capital requirement for approval
  • Daily repayment may be required
  • Not available to sole proprietors

Brex Card

NerdWallet rating 

2.9/5
Apply now

on Brex's website

Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points

Our pick for

Corporate card with simple rewards

Ramp Card

Read Review
Apply now

on Ramp's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
N/A

Pros

  • No annual fee or foreign transaction fees
  • Simple, straightforward rewards
  • No personal guarantee or credit check
  • Direct integrations with popular tools and card-level spending controls and alerts

Cons

  • Balance must be paid in full each month
  • Not available to sole proprietors or unincorporated businesses

Ramp Card

NerdWallet rating 

3.6/5
Apply now

on Ramp's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
N/A

Our pick for

Up to 2.5% cash back and no preset spending limit

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

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

Ink Business Premier® Credit Card

NerdWallet rating 

4.5/5
Apply now

on Chase's website

Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000

NerdWallet's editorial picks: Best high-limit business credit cards

Before applying, confirm details on the issuer’s website.

Capital One Venture X Business

Our pick for: High-limit business travel card
NerdWallet star rating:
5
The
Capital One Venture X Business
offers some of the highest travel rewards rates around and a solid cash-back rate on everything else:
Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Tra