BEST OF
5 Best High-Limit Business Credit Cards of August 2021
Many business credit cards don’t publish maximum credit limits. In part, that’s because issuers set limits based on each individual applicant’s creditworthiness. The best way to get a high-limit business credit card is to have excellent credit, strong income and little debt.
Make your spending count. Using less than 30% of your credit limit is good for your business credit score. But if you plan to take advantage of a high limit, get your money’s worth: Consider small-business credit cards with generous welcome bonuses or long 0% annual percentage rate introductory periods, which can let you repay big purchases over time without interest.
Some of our selections for the best high-limit business credit cards 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.
Many business credit cards don’t publish maximum credit limits. In part, that’s because issuers set limits based on each individual applicant’s creditworthiness. The best way to get a high-limit business credit card is to have excellent credit, strong income and little debt.
Make your spending count. Using less than 30% of your credit limit is good for your business credit score. But if you plan to take advantage of a high limit, get your money’s worth: Consider small-business credit cards with generous welcome bonuses or long 0% annual percentage rate introductory periods, which can let you repay big purchases over time without interest.
Some of our selections for the best high-limit business credit cards 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.
Best High-Limit Business Credit Cards From Our Partners
Our pick for
Intro APR
on American Express's website
on American Express's website
Annual Fee
$0
Regular APR
13.24% - 19.24% Variable APR
Intro APR
0% intro APR on purchases for 12 months from the date of account opening
Recommended Credit Score
Pros
- High rewards rate
- No annual fee
Cons
Pros
- High rewards rate
- No annual fee
Cons
- 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 American Express, and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
Our pick for
Big sign-up offer + $5,000 minimum credit line
on Chase's website
on Chase's website
Annual Fee
$95
Regular APR
15.99% - 20.99% Variable APR
Intro APR
N/A
Recommended Credit Score
Pros
- No foreign transaction fee
Cons
- Has annual fee
Pros
- No foreign transaction fee
Cons
- Has annual fee
- 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
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- 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.
- $95 Annual Fee
Our pick for
Unlimited cash back + $5,000 minimum credit line
on Capital One's website
on Capital One's website
Annual Fee
$0 intro for the first year, then $95
Regular APR
20.99% Variable APR
Intro APR
N/A
Recommended Credit Score
Pros
- High rewards rate
- No foreign transaction fee
Cons
- Has annual fee
- High APR
Pros
- High rewards rate
- No foreign transaction fee
Cons
- Has annual fee
- High APR
- Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
- Purchase above your credit limit with no hassle and no over-limit fees
- $0 annual fee for the first year; $95 after that
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- $0 Fraud Liability if your card is lost or stolen
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
Our pick for
Flexible spending
on American Express's website
on American Express's website
Annual Fee
$595
Regular APR
14.24% - 22.24% Variable APR
Intro APR
N/A
Recommended Credit Score
Pros
- High rewards rate on certain travel purchases
- No foreign transaction fee
- Bonus offer for new cardholders
- Lounge access, airline fee credit
Cons
- High annual fee
- Other cards offer a higher rewards rate on non-travel spending
- Complicated rewards structure
- Requires good/excellent credit
Pros
- High rewards rate on certain travel purchases
- No foreign transaction fee
- Bonus offer for new cardholders
- Lounge access, airline fee credit
Cons
- High annual fee
- Other cards offer a higher rewards rate on non-travel spending
- Complicated rewards structure
- Requires good/excellent credit
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
- Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
- 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
- Breeze through security with CLEAR® where available and get up to $179 back per year on your membership when you use your Card.
- Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
- PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.
- Terms Apply.
Our pick for
High-limit corporate card
on Brex's website
on Brex's website
Annual Fee
$0
Regular APR
N/A
Intro APR
N/A
Recommended Credit Score
Pros
- Qualify with limited / bad credit
- No annual fee
- No foreign transaction fee
Cons
- No 0% intro APR
Pros
- Qualify with limited / bad credit
- No annual fee
- No foreign transaction fee
Cons
- No 0% intro APR
- Get 30,000 points after spending $3,500, or 50,000 points after spending $9,000 in the first 30 days.
- 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.
- $100,000 bank balance 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 over $50,000 in value.
- Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex travel, 3x on restaurants, 3x on Apple products, 2x on software subscriptions and 1x on all other transactions.
- Miles transfer program to 6 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, Oneword, 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 and email. Instantly add new users and set spending limits.
- Simplify reconciliation with built-in integrations with QuickBooks, Xero and more.
| Credit Card | NerdWallet Rating | Annual Fee | Regular APR | Intro APR | Learn More |
|---|---|---|---|---|---|
 The Blue Business® Plus Credit Card from American Express Apply now on American Express's website | Best for Intro APR | $0 | 13.24% - 19.24% Variable APR | 0% intro APR on purchases for 12 months from the date of account opening | Apply now on American Express's website |
 Ink Business Preferred® Credit Card Apply now on Chase's website | Best for Big sign-up offer + $5,000 minimum credit line | $95 | 15.99% - 20.99% Variable APR | N/A | Apply now on Chase's website |
 Capital One Spark Cash for Business Apply now on Capital One's website | Best for Unlimited cash back + $5,000 minimum credit line | $0 intro for the first year, then $95 | 20.99% Variable APR | N/A | Apply now on Capital One's website |
 The Business Platinum Card® from American Express Apply now on American Express's website | Best for Flexible spending | $595 | 14.24% - 22.24% Variable APR | N/A | Apply now on American Express's website |
 Brex Card Apply now on Brex's website | Best for High-limit corporate card | $0 | N/A | N/A | Apply now on Brex's website |
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 boasts one of the better introductory APR offers among business credit cards, no annual fee and solid cash back (though the rate drops after you hit a spending threshold). Read our review.
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. Read our review.
Our pick for: Unlimited cash back + $5,000 minimum credit line
The Capital One Spark Cash for Business is an excellent option for business operators whose expenses are all over the map and 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. There's a great sign-up bonus offer, too. Read our review.
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. Read our review.
Our pick for: High-limit corporate card
The Brex Card uses factors such as cash flow and spending patterns to offer dynamic credit limits that align with a business's repayment abilities — for better or worse. It’s a good option when a business owner has a thin credit file but is well-capitalized. The card earns rewards, too. Read our review.
Our pick for: High-limit secured business credit card
If you can afford to put a lot of money down, the First National Bank Business Edition® Secured® Visa Card may be a good choice for bad-credit borrowers. Your security deposit will earn interest, and First National Bank lets you choose your own credit limit between $2,000 and $100,000 (in multiples of $50) when you apply. This card charges a $39 annual fee. Read our review.
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 Cash for Business | $5,000 |
Wells Fargo Business Platinum Credit Card | $2,500 |
Discover it® Business Card | $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 Select - $500 Cash Bonus has a lower minimum limit ($2,000) than the Capital One Spark Cash for Business, but it lacks the $95 annual fee the latter card charges after your first year.
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 July 29, 2021
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.
