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9 Best High-Limit Business Credit Cards of March 2024

By Ryan Lane
Last updated on March 12, 2024
Edited byChristine Aebischer
Fact checked and reviewed

⏰ Estimated read time: 8 minutes

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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.
Excellent credit, strong income and little debt may also earn you a high limit on any business card. These factors can make you more enticing to credit card issuers, which set different card limits for each applicant based on their creditworthiness. (Note: Most cards don’t publish a maximum credit limit.) If your business has venture funding or generates millions in annual revenue, a corporate credit card may be a high-limit option as well.
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.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

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.
Excellent credit, strong income and little debt may also earn you a high limit on any business card. These factors can make you more enticing to credit card issuers, which set different card limits for each applicant based on their creditworthiness. (Note: Most cards don’t publish a maximum credit limit.) If your business has venture funding or generates millions in annual revenue, a corporate credit card may be a high-limit option as well.
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.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

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

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.6/5

Best for Intro APR + flexible credit limit

$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

4.9/5

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 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

The Business Platinum Card® from American Express

Apply now

on American Express' website

Rates & Fees

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

3.1/5

Best for Corporate card for startups

$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

Ramp Card

Apply now

on Ramp's website

3.7/5

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

5.0/5

Best for Cash back on large purchases

$195

2%-5%

Cashback

$1,000

Apply now

on Chase's website

American Express® Business Gold Card

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Customized rewards

$375

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

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.6/5

Best for Intro APR + flexible credit limit

$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

4.9/5

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 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

The Business Platinum Card® from American Express

Apply now

on American Express' website

Rates & Fees

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

3.1/5

Best for Corporate card for startups

$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

Ramp Card

Apply now

on Ramp's website

3.7/5

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

5.0/5

Best for Cash back on large purchases

$195

2%-5%

Cashback

$1,000

Apply now

on Chase's website

American Express® Business Gold Card

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Customized rewards

$375

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

I'M INTERESTED IN:

Our pick for

Intro APR + flexible credit limit

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

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 

4.6/5
Apply now

on American Express' website

Our pick for

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

Ink Business Preferred® Credit Card

Apply now

on Chase's website

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

Our pick for

High-limit business travel card

Capital One Venture X Business

Apply now

on Capital One's website

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

Our pick for

Unlimited cash back + no preset spending limit

Capital One Spark Cash Plus

Apply now

on Capital One's website

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

Our pick for

Flexible spending

The Business Platinum Card® from American Express

Apply now

on American Express' website

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

Our pick for

Corporate card for startups

Brex Card

Apply now

on Brex's website

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 

3.1/5
Apply now

on Brex's website

Our pick for

Corporate card with simple rewards

Ramp Card

Apply now

on Ramp's website

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 

3.7/5
Apply now

on Ramp's website

Our pick for

Cash back on large purchases

Ink Business Premier℠ Credit Card

Apply now

on Chase's website

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 

5.0/5
Apply now

on Chase's website

Our pick for

Customized rewards

American Express® Business Gold Card

Apply now

on American Express' website

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 

5.0/5
Apply now

on American Express' website

Our pick for

High-limit secured business credit card

First National Bank Business Edition® Secured Mastercard® Credit Card

Pros

  • Qualify with limited / bad credit

Cons

  • Has annual fee
  • No rewards
  • High APR

First National Bank Business Edition® Secured Mastercard® Credit Card

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

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

The Blue Business® Plus Credit Card from American Express

Our pick for: Intro APR + flexible credit limit
NerdWallet star rating:
4.6
The Blue Business® Plus Credit Card from American Express
offers card holders the ability to go above their predetermined credit limit. The amount you can potentially spend is based on multiple factors (such as your payment and credit history) and can change over time. But those looking for a high limit might like the potential wiggle room. Something else to like — the card's solid intro APR offer:
0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-26.49% Variable APR
. Learn more and apply.

Ink Business Preferred® Credit Card

Our pick for: Big sign-up offer + $5,000 minimum credit line
NerdWallet star rating:
4.9
The
Ink Business Preferred® Credit Card
starts you off with one of the biggest sign-up bonuses of any credit card anywhere:
Earn 100k bonus points after you spend $8,000 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 Travel℠.
You also get bonus rewards on travel expenses and common business spending categories, like advertising, shipping and internet, cable and phone service. 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.

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 Travel, where you'll get the best prices on thousands of options. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions.
This is a charge card, so it doesn't come with a preset spending limit — but you'll have to pay it off in full every month. If you can swing that (plus the
$395
annual fee), it could be a valuable addition to your wallet. (See rates and fees.) Learn more and apply.

Capital One Spark Cash Plus

Our pick for: Unlimited cash back + no preset spending limit
NerdWallet star rating:
5
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 a welcome 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. (See rates and fees.) Learn more and apply.

The Business Platinum Card® from American Express

Our pick for: Flexible spending
NerdWallet star rating:
5
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.

Brex Card

Our pick for: Corporate card for startups
NerdWallet star rating:
3.1
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 integration with popular accounting and bookkeeping software. Learn more and apply.

Ramp Card

Our pick for: Corporate card with simple rewards
NerdWallet star rating:
3.7
The
Ramp Card
is a corporate charge card available to incorporated businesses that have strong revenue and at least $75,000 in a business bank account. There's no personal guarantee or credit check. Plus, Ramp offers unlimited cash-back rewards and card-level spending controls with no annual fee. Learn more and apply.

Ink Business Premier℠ Credit Card

Our pick for: Cash back on large purchases
NerdWallet star rating:
5
Chase's business charge card pays you more for big purchases:
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. Earn unlimited 5% total cash back on travel purchased through Chase Travel℠.
There's also a generous welcome bonus:
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Learn more and apply.

American Express® Business Gold Card

Our pick for: Customized rewards
NerdWallet star rating:
5
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
This card is not rated by NerdWallet.
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 $2,000 and $10,000 in multiples of $100) 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?

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.

How to choose a high-limit business credit card

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.
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.
Last updated on March 12, 2024

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.
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