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7 Best High-Limit Business Credit Cards of June 2023

Last updated on June 6, 2023

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The best way to get a high-limit business credit card is to have excellent credit, strong income and little debt. These factors make you more enticing to issuers, which set card limits based on each individual applicant’s creditworthiness. (Note: Many business credit cards don’t publish maximum credit limits.)
Make the most of your high limit — and your business's high spending — by opting for a card with a combination of perks, like a generous welcome bonus, ongoing 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.
All of our selections for the best high-limit business cards are chosen by our editorial team, which independently evaluates and rates cards based on fees, rewards rates and redemption options, among numerous other factors.
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.

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

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Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

4.9/5

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

4.2/5

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

3.2/5

Best for High-limit corporate card

$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

American Express® Business Gold Card

Apply now

on American Express' website

3.9/5

Best for Customized rewards

$295

1x-4x

Points

70,000

Points

Apply now

on American Express' website

Rates & Fees

First National Bank Business Edition® Secured Mastercard® Credit Card

Best for High-limit secured business credit card

$39

N/A

N/A

Our pick for

Intro APR

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
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 

4.9/5
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

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
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

The Blue Business® Plus Credit Card from American Express

NerdWallet rating 

4.9/5
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

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 

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

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
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Ink Business Preferred® Credit Card

NerdWallet rating 

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

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

Capital One Spark Cash Plus

NerdWallet rating 

4.2/5
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
  • High spending requirement to hit full welcome bonus, annual bonus offers

Capital One Spark Cash Plus

Read Review
Apply now

on Capital One's website

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

Capital One Spark Cash Plus

NerdWallet rating 

4.2/5
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
  • High spending requirement to hit full welcome bonus, annual bonus offers

Our pick for

Flexible spending

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
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 

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

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
120,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

The Business Platinum Card® from American Express

NerdWallet rating 

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

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 structure
  • High capital requirement for approval
  • Daily repayment may be required

Brex Card

NerdWallet rating 

3.2/5
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 structure
  • High capital requirement for approval
  • Daily repayment may be required

Brex Card

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)

Brex Card

NerdWallet rating 

3.2/5
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 structure
  • High capital requirement for approval
  • Daily repayment may be required

Our pick for

Customized rewards

American Express® Business Gold Card

Read Review
Apply now

on American Express' website

Annual fee
$295
Rewards rate
1x-4x Points
Intro offer
70,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Pros

  • Bonus categories
  • Transfer partners
  • Luxury perks
  • Bonus categories

Cons

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

American Express® Business Gold Card

NerdWallet rating 

3.9/5
Apply now

on American Express' website

Annual fee
$295
Rewards rate
1x-4x Points
Intro offer
70,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Pros

  • Bonus categories
  • Transfer partners
  • Luxury perks
  • Bonus categories

Cons

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

American Express® Business Gold Card

Read Review
Apply now

on American Express' website

Annual fee
$295
Rewards rate
1x-4x Points
Intro offer
70,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

American Express® Business Gold Card

NerdWallet rating 

3.9/5
Apply now

on American Express' website

Annual fee
$295
Rewards rate
1x-4x Points
Intro offer
70,000 Points
Recommended Credit Score
690-850good - excellent
690-850 (Good - Excellent)

Pros

  • Bonus categories
  • Transfer partners
  • Luxury perks
  • Bonus categories

Cons

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

Our pick for

High-limit secured business credit card

First National Bank Business Edition® Secured Mastercard® Credit Card

Annual fee
$39
Rewards rate
N/A
Intro offer
N/A
Recommended Credit Score
300719poor - good
300-719 (Poor - Good)

Pros

  • Qualify with limited / bad credit

Cons

  • Has annual fee
  • No rewards
  • High APR

First National Bank Business Edition® Secured Mastercard® Credit Card

Annual fee
$39
Rewards rate
N/A
Intro offer
N/A
Recommended Credit Score
300719poor - good
300-719 (Poor - Good)

Pros

  • Qualify with limited / bad credit

Cons

  • Has annual fee
  • No rewards
  • High APR

First National Bank Business Edition® Secured Mastercard® Credit Card

Annual fee
$39
Rewards rate
N/A
Intro offer
N/A
Recommended Credit Score
300719poor - good
300-719 (Poor - Good)

First National Bank Business Edition® Secured Mastercard® Credit Card

Annual fee
$39
Rewards rate
N/A
Intro offer
N/A
Recommended Credit Score
300719poor - good
300-719 (Poor - Good)

Pros

  • Qualify with limited / bad credit

Cons

  • Has annual fee
  • No rewards
  • High APR

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
is a near-twin to the
American Express Blue Business Cash™ Card
, with one key difference: Rather than cash back, it pays you in AmEx Membership Rewards points. Learn more and apply.
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. Learn more and apply.
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. And you can earn an extra welcome bonus, and qualify for an annual 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. Learn more and apply.
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. Learn more and apply.
Our pick for: High-limit corporate card
The
Brex Card
doesn't require a personal credit check and business owners can apply with an EIN only. There's also no personal guarantee. Instead, Brex determines creditworthiness by evaluating a company's cash balance, spending patterns and investors. The Brex card also offers a decent welcome bonus, earns ongoing rewards and offers direct intregration with popular accounting and bookkeeping software. Learn more and apply.
Our pick for: Customized rewards
The rewards on the
American Express® Business Gold Card
adjust according to your spending: The card has six bonus categories, such as travel, U.S. restaurants and U.S. gas stations. You automatically earn bonus rewards in the two 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. Learn more and apply.

First National Bank Business Edition® Secured Mastercard® Credit Card

Our pick for: High-limit secured business credit card
The
First National Bank Business Edition® Secured Mastercard® Credit Card
reports card activity to Dun & Bradstreet, one of the three main business credit bureaus, so on-time payments will help build your business credit score. This secured card does require a credit check (personal credit) and security deposit (between $2,200 and $110,000 in multiples of $50) which dictates your credit limit. This card charges a $
39
annual fee.

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 1.5% Cash Select
$2,000
Wells Fargo Business Platinum Credit Card
$2,500
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 Plus
has no preset spending limit but carries a
$150
annual fee and your balance must be paid in full each month. The
Capital One Spark Cash Select for Excellent Credit
, on the other hand, has a minimum credit limit of $2,000 but no annual fee and the flexibility to carry a balance if necessary.
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 June 6, 2023

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.