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Best Business Credit Cards With No Preset Spending Limit of July 2024

Expand your purchasing power with a business card that has no preset limit.
By Kelsey Sheehy
Last updated on July 18, 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.

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.
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.

Looking for a business credit card?

See our overall favorites, or choose a feature that will benefit your business spending the most.

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.

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.
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.

Looking for a business credit card?

See our overall favorites, or choose a feature that will benefit your business spending the most.

Our top overall picks

on Nerdwallet's secure site

Here are the best business card no credit limit

Best forNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Extra cash back on large purchases

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

Maximizing rewards with bonus categories

American Express® Business Gold Card

Apply now

on American Express' website

Rates & Fees

4.2/5
$375

1x-4x

Points

70,000

Points

Apply now

on American Express' website

Rates & Fees

Frequent business travel

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

Best forNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Extra cash back on large purchases

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

Maximizing rewards with bonus categories

American Express® Business Gold Card

Apply now

on American Express' website

Rates & Fees

4.2/5
$375

1x-4x

Points

70,000

Points

Apply now

on American Express' website

Rates & Fees

Frequent business travel

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

Discover business products tailored to your needs

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Our pick for

Extra cash back on large purchases

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
This card ups the rewards rate for purchases of $5,000 or more to 2.5% (all other purchases earn
2
%). There's also a massive welcome offer and the option to finance some purchases if needed.

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

Our pick for

Maximizing rewards with bonus categories

American Express® Business Gold Card

Read Review
Apply now

on American Express' website

Annual fee
$375
Rewards rate
1x-4x Points
Intro offer
70,000 Points
This card offers up to 4X points in your top two spending categories each month (up to $150,000 in spending each year). Max those out and you'll easily recoup your annual fee — and then some. Eligible categories include advertising, software, gas stations, restaurants, transit and wireless telephone service (only purchases made in the U.S. qualify). Terms apply.

American Express® Business Gold Card

NerdWallet rating 

4.2/5
Apply now

on American Express' website

Annual fee
$375
Rewards rate
1x-4x Points
Intro offer
70,000 Points

Our pick for

Frequent business travel

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
This card combines no preset spending limit with luxury travel perks like airport lounge access, automatic elite status and an annual credit for airline incidental fees, just to name a few. Terms apply.

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

NerdWallet's editorial picks: Best business cards with no preset spending limit

The Business Platinum Card® from American Express

Best for: Frequent business travel
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: 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.

Ink Business Premier® Credit Card

Best for: Extra cash back on large purchases
NerdWallet star rating:
4.5
This business charge card delivers with a generous welcome offer, no preset spending limit and a higher cash-back rate 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℠.
You have to pay your balance in full each month, but there is an option to finance certain purchases, up to a set limit. Learn more and apply.

American Express® Business Gold Card

Best for: Maximize rewards with bonus categories
NerdWallet star rating:
4.2
The rewards on the
American Express® Business Gold Card
adjust according to your spending. 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. 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
    .
    2.1
    stars. 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.
  • Business Green Rewards Card from American Express
    .
    2.3
    stars. 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
    .
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.
The
Ink Business Premier® Credit Card
has a Flex for Business feature that lets you finance purchases of $500 or more, up to a preset limit. (
Flex for Business Variable APR: 19.49%-27.49%
.)
The Business Platinum Card® from American Express
and the
American Express® Business Gold Card
have a similar feature. 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 Express
    Pay Over Time:
    The ongoing APR is 19.49%-28.49% Variable APR
    . Terms apply.
  • American Express® Business Gold Card
    Pay Over Time:
    The ongoing APR is 19.49%-28.49% 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.
View rates and fees of
Capital One Spark Cash Plus
.
Last updated on July 18, 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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Looking to earn rewards or build your credit? We’ll help match you to the perfect business credit card based on your qualifications.