The best high-limit business credit cards are typically charge cards, which have no preset spending limit but must be paid in full. Other business credit cards might start with lower limits, but you can request an increase after just one billing cycle. Registered businesses can also look to corporate cards like Ramp or Brex. Those often have sky-high limits, but require similar-sized cash reserves to match your potential spending.
Best high-limit business cards
- American Express® Business Gold Card: Best for up to 4X points + bonus categories that sync with your spending.
- Brex Card: Best for corporate card for venture-backed startups.
- Capital on Tap Business Credit Card: Best for credit limits up to $50,000.
- Capital One Spark Cash Plus: Best for unlimited 2% cash back + no preset spending limit.
- Capital One Venture X Business: Best for high-limit business travel card.
- Ink Business Preferred® Credit Card: Best for big sign-up offer.
- Ink Business Premier® Credit Card: Best for up to 2.5% cash back.
- Ramp Card: Best for corporate card with cash-back rewards.
- The Blue Business® Plus Credit Card from American Express: Best for intro APR period.
- The Business Platinum Card® from American Express: Best for luxury travel perks.
While all of our picks for high-limit business gas cards are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
The best high-limit business credit cards are typically charge cards, which have no preset spending limit but must be paid in full. Other business credit cards might start with lower limits, but you can request an increase after just one billing cycle. Registered businesses can also look to corporate cards like Ramp or Brex. Those often have sky-high limits, but require similar-sized cash reserves to match your potential spending.
Best high-limit business cards
- American Express® Business Gold Card: Best for up to 4X points + bonus categories that sync with your spending.
- Brex Card: Best for corporate card for venture-backed startups.
- Capital on Tap Business Credit Card: Best for credit limits up to $50,000.
- Capital One Spark Cash Plus: Best for unlimited 2% cash back + no preset spending limit.
- Capital One Venture X Business: Best for high-limit business travel card.
- Ink Business Preferred® Credit Card: Best for big sign-up offer.
- Ink Business Premier® Credit Card: Best for up to 2.5% cash back.
- Ramp Card: Best for corporate card with cash-back rewards.
- The Blue Business® Plus Credit Card from American Express: Best for intro APR period.
- The Business Platinum Card® from American Express: Best for luxury travel perks.
While all of our picks for high-limit business gas cards are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
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Here are the best high-limit business credit cards
Here are the best high-limit business credit cards
Sort By
Annual fee
$695
Rewards rate
1x-5x
Points
Intro offer
150,000
Points
Apply now
on American Express' website
Rates & Fees
Pros
- Lounge membership
- Transfer partners
- Automatic elite status
- Annual statement credit for travel, business expenses
- New cardholder bonus offer
Cons
- High annual fee
- Low ongoing rewards rate
The Business Platinum Card® from American Express
Best for Luxury travel perks
Annual fee
$695
Rewards rate
1x-5x
Points
Intro offer
150,000
Points
Apply now
on American Express' website
Rates & Fees
Pros
- Lounge membership
- Transfer partners
- Automatic elite status
- Annual statement credit for travel, business expenses
- New cardholder bonus offer
Cons
- High annual fee
- Low ongoing rewards rate
Annual fee
$150
Rewards rate
2%-5%
Cashback
Intro offer
$2,000
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Capital One Spark Cash Plus
Best for Unlimited cash back + no preset spending limit
Annual fee
$150
Rewards rate
2%-5%
Cashback
Intro offer
$2,000
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Annual fee
$395
Rewards rate
2x-10x
Miles
Intro offer
Up to 350,000 Miles
⏱️ Limited time offer
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus points
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
Capital One Venture X Business
Best for High-limit business travel card
Annual fee
$395
Rewards rate
2x-10x
Miles
Intro offer
Up to 350,000 Miles
⏱️ Limited time offer
Apply now
on Capital One's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus points
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
Annual fee
$0
Rewards rate
1x-2x
Points
Intro offer
15,000
Points
Apply now
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
The Blue Business® Plus Credit Card from American Express
Best for Intro APR period
Annual fee
$0
Rewards rate
1x-2x
Points
Intro offer
15,000
Points
Apply now
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
American Express® Business Gold Card
Best for Bonus categories that sync with your spending (up to 4X points)
Annual fee
$375
Rewards rate
1x-4x
Points
Intro offer
100,000
Points
Apply now
on American Express' website
Rates & Fees
Pros
- Transfer partners
- New cardholder bonus offer
- Intro APR period
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
American Express® Business Gold Card
Best for Bonus categories that sync with your spending (up to 4X points)
Annual fee
$375
Rewards rate
1x-4x
Points
Intro offer
100,000
Points
Apply now
on American Express' website
Rates & Fees
Pros
- Transfer partners
- New cardholder bonus offer
- Intro APR period
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
Annual fee
$95
Rewards rate
1x-3x
Points
Intro offer
90,000
Points
Apply now
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- High reward redemption rate
- Transfer partners
Cons
- Does not include lounge access or travel credits
Ink Business Preferred® Credit Card
Best for Big sign-up offer
Annual fee
$95
Rewards rate
1x-3x
Points
Intro offer
90,000
Points
Apply now
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- High reward redemption rate
- Transfer partners
Cons
- Does not include lounge access or travel credits
Annual fee
$0
Rewards rate
1%-1.5%
Cashback
Intro offer
$250
⏱️ New bonus offer
Apply now
on Ramp's website
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
- Rewards do not expire
- Card-level spending controls
Cons
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
Ramp Card
Best for Corporate card with cash-back rewards
Annual fee
$0
Rewards rate
1%-1.5%
Cashback
Intro offer
$250
⏱️ New bonus offer
Apply now
on Ramp's website
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
- Rewards do not expire
- Card-level spending controls
Cons
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
Apply now
on Capital on Tap's website
Pros
- High rewards rate
- No reward caps
- Available with fair credit
- No annual fee.
- No foreign transaction fees.
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- Potential for very high APR
- No new cardholder bonus offer
Capital on Tap Business Credit Card
Best for Credit limits up to $50,000
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
Apply now
on Capital on Tap's website
Pros
- High rewards rate
- No reward caps
- Available with fair credit
- No annual fee.
- No foreign transaction fees.
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- Potential for very high APR
- No new cardholder bonus offer
Annual fee
$195
Rewards rate
2%-5%
Cashback
Intro offer
$1,000
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
- No reward caps
Cons
- High annual fee
- Purchases that don't qualify for Flex for Business must be paid in full every month
Ink Business Premier® Credit Card
Best for Up to 2.5% cash back
Annual fee
$195
Rewards rate
2%-5%
Cashback
Intro offer
$1,000
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
- No reward caps
Cons
- High annual fee
- Purchases that don't qualify for Flex for Business must be paid in full every month
Annual fee
$0
Rewards rate
1x-7x
Points
Intro offer
10,000
Points
Apply now
on Brex's website
Pros
- No annual fee or foreign transaction fees
- New cardholder bonus offer
- No personal guarantee
- Card-level spending controls
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
Brex Card
Best for Corporate card for venture-backed startups
Annual fee
$0
Rewards rate
1x-7x
Points
Intro offer
10,000
Points
Apply now
on Brex's website
Pros
- No annual fee or foreign transaction fees
- New cardholder bonus offer
- No personal guarantee
- Card-level spending controls
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
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.
Business credit card issuers typically don’t publish their maximum limits. But looking for the following features and benefits may offer clues around which might offer you the greatest spending power.
Annual fees or high rewards rates: Business credit cards with large annual fees or generous reward rates may give you the highest limits because these cards are designed for big spenders or customers with excellent credit.
No preset spending limit: This can take several forms. For instance, some American Express business credit cards offer a flexible limit that adapts based on factors such as your purchase, payment and credit history.
For a true no-limit option, you’ll likely need a business charge card. These may not put a cap on your spending, but you’ll have to pay off that entire bill in full each month — and face potential consequences like late fees and credit damage if you don’t.
No personal guarantee: If you see a business credit card with no personal guarantee, it’s probably a corporate card. Corporate cards often have no credit limit at all. Like charge cards, they may require you to pay the balance off in full every month.
The lack of a personal guarantee means you won’t individually be on the hook for those charges, but also that your business will likely need a significant business bank account balance or millions in annual revenue to qualify.
There’s no way to know what your credit card’s limit will be until you apply and are approved. One thing you can look at is whether an issuer publishes its minimum credit line. While this is a starting point and many businesses may qualify for a larger amount, it can give you a sense of your baseline.
For instance, the
Ink Business Preferred® Credit Card
has a minimum credit line of $5,000. And the Capital One Spark Cash Select has a minimum credit line of $2,000. In general, business credit cards offer higher limits than personal cards do.Since you won’t know your credit limit until after you’ve applied, it’s best to choose a business credit card based on its other features — like its rewards rates, annual fee and whether you can carry a balance.
Then, focus your search on cards you’re likely to qualify for based on your credit score. In general, you’ll need good or excellent credit to qualify for a high-limit business credit card.
» Need other options? Learn more about business credit cards for bad credit or business credit cards for fair credit.
Once you choose a card, 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.
To view rates and fees of the
American Express® Business Gold Card
, see this page.To view rates and fees of
The Business Platinum Card® from American Express
, see this page.To view rates and fees of
The Blue Business® Plus Credit Card from American Express
, see this page.Last updated on April 28, 2025
Methodology
NerdWallet's business credit card team selects the best small-business credit cards without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.
