Credit limits on business credit cards can be a frustrating roadblock for startups, expanding businesses and mature companies alike. A business credit card with no preset limit removes that obstacle — giving your company the spending power it needs.
Just note: "No preset spending limit" isn't the same as "no limit." You simply won't have a set cap on your credit line. Also, many of these options will be business charge cards, which typically don't let you carry a balance. That means you'll need the cash flow to match your expenses.
Here are the best business credit cards with no preset spending limit.
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.
Our editorial team chose the cards that appear on this page without outside input. Those highlighted below are available from our partners; our full editorial picks section has a complete list, including those not available through NerdWallet.
Credit limits on business credit cards can be a frustrating roadblock for startups, expanding businesses and mature companies alike. A business credit card with no preset limit removes that obstacle — giving your company the spending power it needs.
Just note: "No preset spending limit" isn't the same as "no limit." You simply won't have a set cap on your credit line. Also, many of these options will be business charge cards, which typically don't let you carry a balance. That means you'll need the cash flow to match your expenses.
Here are the best business credit cards with no preset spending limit.
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.
Our editorial team chose the cards that appear on this page without outside input. Those highlighted below are available from our partners; our full editorial picks section has a complete list, including those not available through NerdWallet.
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Here are the best business card no credit limit
Here are the best business card no credit limit
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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 Overall business card with no preset 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
$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 Maximizing rewards with bonus categories
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
$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 Frequent business travel
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
NerdWallet's editorial picks: Best business cards with no preset spending limit
Capital One Spark Cash Plus
Best for: Overall business card with no preset limit
NerdWallet star rating:
4.9
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.The Business Platinum Card® from American Express
Best for: Frequent business travel
NerdWallet star rating:
4.5
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: high rewards on certain travel purchases, bonus rewards on larger nontravel purchases, a superb newcomer welcome offer, extensive airport lounge access, elite hotel status, hundreds of dollars a year in available credits and a list of perks as long as your arm. It's not cheap, but luxury never is. Terms apply. Learn more and apply.American Express® Business Gold Card
Best for: Maximize rewards with bonus categories
NerdWallet star rating:
4.3
The rewards on the
American Express® Business Gold Card
adjust according to your spending. 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. The card has six bonus categories: advertising, gas stations, restaurants, software, transit and wireless telephone service. Only purchases made in the U.S. qualify for bonus categories. Learn more and apply.Other business credit cards with no preset spending limit
No preset spending limit is a hallmark of many American Express business cards. The following options offer this feature, and they may make sense if no limit is your priority. But we rate the cards above as better overall choices.
- The Plum Card® from American Express.3.6stars. This card's selling point is its flexibility. You get the option to either pay your bill in full or defer a portion of it for up to 60 days without interest. However, you'll pay a steep annual fee for that benefit ($250) and only get rewards on payments made within 10 days of your statement's closing period (see rates and fees).
- Business Green Rewards Card from American Express.3.3stars. This card marries no preset limit with a more traditional pay-over-time option. You'll earn AmEx points for all purchases, but the 1x rate for the vast majority of them is about as low as it gets. Prepaid flights and hotels booked via AmEx's travel portal earn slightly more (2x). That's still far below what the best business travel cards offer, though. There's also an annual fee: $95(see rates and fees).
The American Express Blue Business Cash™ Card
and The Blue Business® Plus Credit Card from American Express
may also be worth considering depending on your spending. These cards offer expanded buying power, which lets you go above your credit limit in certain instances. This feature isn't as forgiving as no preset limit, but it could offer your business some wiggle room as needed. Terms apply. What does no preset spending limit mean?
"No preset spending limit" means your spending limit is flexible. It's not the same thing as "no limit" — or unlimited — spending. Rather, how much you can put on your card adapts. Issuers base that amount on factors such as your purchase, payment and credit history. And charges can still be declined even when you you have no limit.
A card with no preset spending limit offers a business greater leeway when making purchases. For instance, say a standard business credit card gave you a limit of $5,000. If you had an expense greater than that amount, you'd have to split it across multiple cards or find a different way to pay it.
Can you carry a balance if you have no preset limit?
This is the catch with business cards with no preset limit: Typically, you have to pay your full balance each month. After all, issuers that let you run run up a bigger bill want to make sure your business can foot those costs. But there are a few exceptions.
For instance,
The Business Platinum Card® from American Express
and the American Express® Business Gold Card
have cardholders can opt-in to a "Pay Over Time" feature. When activated, purchases of $100 or more are automatically classified as Pay Over Time and are subject to interest charges: - The Business Platinum Card® from American ExpressPay Over Time:The ongoing APR is 18.49%-27.49% Variable APR. Terms apply.
- American Express® Business Gold Card0% intro APR on Purchases for 6 months, and then the ongoing APR of 18.49%-27.49% Variable APR. Terms apply.
Alternatives to business credit cards with no preset limit
If traditional business credit card limits aren't high enough for your ongoing spending, you may want to consider a business line of credit. This type of financing can let you tap into working capital as needed — at potentially much higher limits than a credit card will offer. For instance, Chase's business line of credit has a maximum amount of $
500000
.These small-business loans often have stricter eligibility criteria than business credit cards. While most small-business card approvals depend on your personal credit score, business lines of credit will weigh that factor alongside others like your time in business and annual revenue. Some online lenders may be willing to extend credit lines to startups, though.
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 Plum Card® from American Express
, see this page.To view rates and fees of the
Business Green Rewards Card from American Express
, see this page. View rates and fees of
Capital One Spark Cash Plus
.Last updated on April 17, 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.