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Best High-Limit Business Credit Cards of October 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 October 8, 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 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.

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 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.

Here are the best high-limit business credit cards

Best forNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Unlimited cash back + no preset spending limit

Capital One Spark Cash Plus

Apply now

on Capital One's website

Rates & Fees

5.0/5
$150

2%-5%

Cashback

$2,000

Apply now

on Capital One's website

Rates & Fees

Big sign-up offer

Ink Business Preferred® Credit Card

Apply now

on Chase's website

4.7/5
$95

1x-3x

Points

90,000

Points

Apply now

on Chase's website

Luxury travel perks

The Business Platinum Card® from American Express

Apply now

on American Express' website

Rates & Fees

4.8/5
$695

1x-5x

Points

150,000

Points

Apply now

on American Express' website

Rates & Fees

Intro APR period

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.4/5
$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

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

American Express® Business Gold Card

Apply now

on American Express' website

Rates & Fees

4.6/5
$375

1x-4x

Points

100,000

Points

Apply now

on American Express' website

Rates & Fees

High-limit business travel card

Capital One Venture X Business

Apply now

on Capital One's website

Rates & Fees

5.0/5
$395

2x-10x

Miles

150,000

Miles

Apply now

on Capital One's website

Rates & Fees

Corporate card for venture-backed startups

Brex Card

Apply now

on Brex's website

3.2/5
$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

Corporate card with cash-back rewards

Ramp Card

Apply now

on Ramp's website

2.8/5
$0

1%-1.5%

Cashback

N/A

Apply now

on Ramp's website

Up to 2.5% cash back and no preset spending limit

Ink Business Premier® Credit Card

Apply now

on Chase's website

4.5/5
$195

2%-5%

Cashback

$1,000

Apply now

on Chase's website

Best forNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Unlimited cash back + no preset spending limit

Capital One Spark Cash Plus

Apply now

on Capital One's website

Rates & Fees

5.0/5
$150

2%-5%

Cashback

$2,000

Apply now

on Capital One's website

Rates & Fees

Big sign-up offer

Ink Business Preferred® Credit Card

Apply now

on Chase's website

4.7/5
$95

1x-3x

Points

90,000

Points

Apply now

on Chase's website

Luxury travel perks

The Business Platinum Card® from American Express

Apply now

on American Express' website

Rates & Fees

4.8/5
$695

1x-5x

Points

150,000

Points

Apply now

on American Express' website

Rates & Fees

Intro APR period

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.4/5
$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

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

American Express® Business Gold Card

Apply now

on American Express' website

Rates & Fees

4.6/5
$375

1x-4x

Points

100,000

Points

Apply now

on American Express' website

Rates & Fees

High-limit business travel card

Capital One Venture X Business

Apply now

on Capital One's website

Rates & Fees

5.0/5
$395

2x-10x

Miles

150,000

Miles

Apply now

on Capital One's website

Rates & Fees

Corporate card for venture-backed startups

Brex Card

Apply now

on Brex's website

3.2/5
$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

Corporate card with cash-back rewards

Ramp Card

Apply now

on Ramp's website

2.8/5
$0

1%-1.5%

Cashback

N/A

Apply now

on Ramp's website

Up to 2.5% cash back and no preset spending limit

Ink Business Premier® Credit Card

Apply now

on Chase's website

4.5/5
$195

2%-5%

Cashback

$1,000

Apply now

on Chase's website

I'M INTERESTED IN:

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
$2,000

Pros

  • Earns cash back on primary and employee cards
  • 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
$2,000

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
90,000 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 

4.7/5
Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points

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
100,000 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 

4.6/5
Apply now

on American Express' website

Annual fee
$375
Rewards rate
1x-4x 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

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 

3.2/5
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 cash-back rewards

Ramp Card

Read Review
Apply now

on Ramp's website

Annual fee
$0
Rewards rate
1%-1.5% Cashback
Intro offer
N/A

Pros

  • No annual fee or foreign transaction fees
  • 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
  • Rewards rate varies and is determined for each customer by Ramp.

Ramp Card

NerdWallet rating 

2.8/5
Apply now

on Ramp's website

Annual fee
$0
Rewards rate
1%-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

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

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 per dollar on hotels and rental cars and 5X miles per dollar on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options. Earn unlimited 2X miles per dollar 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. There's no preset spending limit and you get a high, flat rewards rate on every purchase. Plus, 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.

Ink Business Premier® Credit Card

Our pick for: Cash back on large purchases
NerdWallet star rating:
4.5
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:
4.6
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 top two eligible 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.

The Business Platinum Card® from American Express

Our pick for: Luxury travel perks
NerdWallet star rating:
4.8
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.

Ink Business Preferred® Credit Card

Our pick for: Big sign-up offer
NerdWallet star rating:
4.7
The
Ink Business Preferred® Credit Card
starts you off with one of the biggest sign-up bonuses of any credit card anywhere:
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
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.

The Blue Business® Plus Credit Card from American Express

Our pick for: Intro APR period
NerdWallet star rating:
4.4
The Blue Business® Plus Credit Card from American Express
offers cardholders 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 17.99%-25.99% Variable APR
. Learn more and apply.

Ramp Card

Our pick for: Corporate card with cash-back rewards
NerdWallet star rating:
2.8
The
Ramp Card
is a corporate charge card available to incorporated businesses that have strong revenue and at least $50,000 in a business bank account. There's no personal guarantee or credit check and you get built-in expense management and card-level spending controls. Ramp has no annual fee and offers cash back on qualified purchases, but the actual reward rate varies by business. Learn more and apply.

Brex Card

Our pick for: Corporate card for venture-backed startups
NerdWallet star rating:
3.2
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.

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.
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 October 8, 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.