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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.
Our Nerdy picks for
Here are the best high limit business credit cards from our partners
| 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 | 4.9/5 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
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
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
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
- 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 us, and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.24%-26.24%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
- View Rates & Fees
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
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)
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
- Round-the-clock monitoring for unusual credit card purchases
- 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.
- Member FDIC
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
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)
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
- 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
- Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
- Earn an annual $200 cash bonus every year you spend $200,000 or more—that's enough to cover your annual fee and then some
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- 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
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
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
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
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
- 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.
- Get 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 eligible purchases 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 annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
- $189 CLEAR® Plus Credit: Use your Card and get up to $189 back per year on your CLEAR® Plus membership. CLEAR® lanes are available at 100+ airports, stadiums, and entertainment venues.
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
- $695 Annual Fee.
- Terms Apply.
- View Rates & Fees
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
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)
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
- Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
- 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.
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
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
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
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
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases.**
- **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
- PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
- *Terms Apply
- View Rates & Fees
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
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
- Request your own credit limit between $2,000 and $100,000 (multiples of $50), when you apply, subject to credit approval.
- Earn interest on your security deposit.
- Variable 25.49% APR on purchases and balance transfers based on the Prime Rate.
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
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.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.
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.