9 Best High Limit Business Credit Cards 2019

High limit business credit cards give companies with $15,000 to $100,000+ in monthly expenses the flexibility to put both large purchases and routine charges on a single credit card. The best high limit business credit cards offer incentives like introductory rewards worth up to $2,000 and bonuses for purchases of $5,000+.

Top 9 High Limit Business Credit Cards 2019

How We Evaluated High Limit Business Credit Cards

We looked for the best small business credit cards that either offer no preset spending limits or cards that have reported limits of $15,000 to more than $100,000. You’ll want a card with a credit limit significantly higher than your average spending. This will keep your utilization low and protect your credit score, which must be at least 750 to qualify for these cards.

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We considered these features and more in determining what owners should demand of the best high limit credit cards:

• Credit limit – How much you can charge to a card without paying down part of the credit line. We looked for reports of credit limits of $15,000 to $100,000+.
• Annual fee – How much it costs to own a card. We found ranges of $25 to $450, but cards on this list offer rewards and perks worth at least as much as the fee.
• Introductory rewards – What you’ll earn for reaching minimum spending requirements within several months of card ownership. Cards on this list offer rewards worth $0 to $2,000 on required spending of $0 to $50,000 within the first three to six months.
• Ongoing rewards – The points or cash back you’ll earn by using your business card. Cards on our list offer either a flat rate on all spending up to 2% or 2x points, or tiered rewards worth up to 5% or 5x points on certain bonus categories.
• Additional benefits – Free perks that may increase the value of the card, like airport lounge access, rental car insurance, and cell phone protection.
• APR – How much financing credit cards with high limits costs. APRs range from 0% on charge cards that must be paid off monthly to a variable rate of 22.99%.

All of the cards on our list require excellent credit of at least 750 to qualify. To earn the highest limits, you’ll need to have a credit score of at least 800. Issuers also may examine other factors, like the amount of monthly debt you have relative to your income.

After examining the qualities business owners should look for in a high limit credit card, we named the American Express Business Platinum Card®  the best overall high limit business credit card. This card has no preset spending limit, meaning you could make a large purchase without having to worry about hitting your credit limit. It also offers fantastic perks—like a $200 annual travel credit—that have a combined value well above the other best high limit credit cards.

American Express Business Platinum Card®: Overall Best High Limit Business Credit Card

The American Express Business Platinum Card® card is best for businesses with big travel budgets that can afford to put a minimum of $7,000 a month on the card (to earn the bonus). Unlike other cards on this list, this is a charge card that carries no APR, but you’ll have to pay the balance off in full each month.

American Express Business Platinum Card® Costs

The American Express Business Platinum Card® is a charge card, so you must pay it off every month. While there is no APR cost, you’ll only offset the annual fee cost if you use the card quite a bit to travel, and you’ll still have to pay a late penalty if you miss a payment.

Financing costs and fees on the American Express Business Platinum Card® include:

• Credit limit: No preset limit
• Introductory APR: None
• Regular APR: None
• Annual fee: $595
• Balance transfer fee: Transfers are not allowed

The $595 annual fee you’ll pay is the highest among the cards on this list. But perks like free airport lounge access and reimbursement for Global Entry or TSA PreCheck airport screening programs could be worth several thousand dollars annually. This card carries well more potential value than any other card on our list.

American Express Business Platinum Card® Rewards

The American Express Business Platinum Card® offers strong rewards for airplane travelers and business owners who frequently stay in hotels. You’ll earn five points per dollar spent on airfare and hotels booked through American Express Travel. That’s three points more than another travel rewards card on our list—Capital One® Spark® Miles—offers.

Introductory Rewards

Earn up to 75,000 Membership Rewards points within your first three months of opening your account if you make $20,000 in purchases:

• Earn 50,000 points after you spend your first $10,000.
• Receive an extra 25,000 points after you spend an additional $10,000.

Those points are worth at least $750 when redeemed for travel. That matches the introductory rewards offer from Capital One Venture, although that card requires just $5,000 in purchases within three months to earn 75,000 bonus miles.

Ongoing Rewards

You’ll earn the following ongoing rewards for travel and large purchases:

• 5x points on flights and prepaid hotels booked through AmexTravel.com.
• 1.5x points per dollar on purchases of $5,000 or more, up to 1 million additional points per year.
• 1x points on all other spending.

No other card on our list offers a better return on airfare or hotel purchases, and the Business Platinum Card® is the only card to offer bonus points on purchases of $5,000 or more. That makes this card ideal for businesses looking for high limit credit cards to make large purchases.

American Express Business Platinum Card® Additional Features

The ongoing rewards alone probably aren’t enough to justify the $450 annual fee. The exceptional suite of benefits, though, more than make up for the annual fee if you own a business that can take advantage.

The American Express Business Platinum Card® includes:

• Free access to American Express’ network of Centurion lounges located in slightly less than one dozen U.S. airports.
• Priority Pass Select membership, which gets you free access to more than 1,000 lounges worldwide for you and two guests.
• Either a $100 statement credit for Global Access or $85 statement credit for TSA PreCheck once every four years.
• A $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
• Elite status at a number of car rental agencies.
• 10 annual free Gogo inflight Wi-Fi passes.
• 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
• A complementary year of access to more than 300 WeWork locations worldwide (enroll between Feb. 15, 2019 and Dec. 31, 2019).
• Up to $200 in statement credits annually for Dell purchases.

While cards like the Chase Sapphire Reserve® offer TSA PreCheck reimbursement and air travel credits, no other card on this list offers close to the full range of travel benefits that the American Express Business Platinum includes.

American Express Business Platinum Card® Drawbacks

The American Express Business Platinum Card® doesn’t offer competitive rewards for spending outside of travel. The American Express Business Gold, for example, offers 4x points on spending at U.S. restaurants and on advertising used to promote your business. Also, since this is a charge card, you’re required to pay your balance off each month. Other cards on this list allow you to carry balances, although you’ll pay a financing charge.

American Express Business Platinum Card® Reviews

American Express Business Platinum Card® reviews are excellent. In spite of the card’s high annual fee, cardholders consider the Business Platinum Card® to be the best in its class, with tremendous rewards for flights, hotels, and other expenses. Customers also love the travel-related perks with bonus points and access to airport lounges. Some users say they don’t travel enough to be able to capture the card’s full value.

How to Apply for American Express Business Platinum Card®

You can sign up for an American Express Business Platinum Card® by filling out an online application that only takes a few minutes. You could get a decision in as quickly as 30 seconds and be using your card within two to three days.

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Chase Ink Business Preferred^SM: Best High Limit Credit Card for Maximizing Rewards at a Lower Annual Fee

Chase Ink Business Preferred℠ is best for businesses that want to earn big rewards without paying an annual fee of several hundred dollars. You’ll earn three points per dollar spent on travel, shipping, and advertising purchases, as well as internet, cable, and phone spending. No other card on our list offers this level of rewards with an annual fee under $100 ($95). Ongoing APR is as low as 18.24%.

Chase Ink Business Preferred℠ Costs

Financing costs and fees on the Chase Ink Business Preferred℠ include:

• Introductory APR: None
• Ongoing APR: 18.24% to 23.24%, which will adjust with the prime rate
• Annual fee: $95
• Balance transfer fee: Either $5 or 5% of the balance transferred, whichever is greater

The $95 annual fee charged by the Chase Ink Business Preferred℠ is similar to what the Capital One® Spark® Cash and Capital One® Spark® Miles charge. Their annual fees are waived the first year, however. It’s lower than the $595 fee the American Express Business Platinum Card® charges and the $295 annual fee the American Express Business Gold charges.

Chase Ink Business Preferred℠ Rewards

The Chase Ink Business Preferred℠ card offers top-notch rewards on travel spending (3x per dollar), while charging an annual fee under $100. There’s one other card on our list that offers better ancillary travel benefits (the American Express Business Platinum Card®), but if your business travels modestly or you object to high annual fees, Chase Ink Business Preferred℠ is the better pick.

Introductory Rewards

Meet the spending requirements to earn the following introductory rewards:

• 80,000 Ultimate Rewards points when you spend $5,000 within the first three months of account opening.

Ongoing Rewards

Earn the following rewards when using your card:

• 3 points per dollar on the first $150,000 spent in combined purchases each account anniversary year in these categories: travel, shipping, advertising on search engines and social media sites, and on internet, cable, and phone services.
• 1 point per dollar spent on everything else.

If your business spends heavily in the three-point categories, this card may well be worth it to you. Only the American Express Business Gold offers higher rewards (4x) on travel, shipping, and advertising spending, but you’ll pay a higher annual fee of $295.

Rewards points can be redeemed for airfare or other paid travel through Chase, gift cards, or statement credits against eligible charges. Like the American Express Business Platinum and Gold cards, Chase Ink Business Preferred℠ cardholders can also transfer points to airline and hotel partners. When redeemed for travel, the points are worth $1,000.

Chase Ink Business Preferred℠ Additional Features

As you should expect with a high limit business credit card, Chase Ink Business Preferred℠ includes benefits like auto rental insurance, but it also comes with perks other cards on our list don’t offer, like cell phone protection and trip cancellation insurance.

Chase Ink Business Preferred℠ includes:

• Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
• Purchase protection: Covers your new purchases for 120 days against damage or theft, up to $10,000 per claim, and $50,000 per account per year.
• Extended warranty protection: Extends the time period of the U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less.
• Cell phone protection: You and your employees named on the phone bill you pay for with your card are covered for up to $600 in theft or damages per claim. You are limited to three claims per 12-month period, with a $100 deductible per claim.
• Trip cancellation/delay insurance: If your trip is canceled, you can be compensated up to $5,000 for pre-paid expenses such as airfare or hotels. If your trip is delayed for 12 hours or more, you can be reimbursed up to $500 for your hotel room, meals, and transportation.

Chase Ink Business Preferred℠ offers some benefits no other card on our list offers, like cell phone insurance and trip cancellation insurance. Its other benefits, like purchase protection, are more widely available. Still, the American Express Business Platinum Card® offers more total benefits, including exhaustive travel perks like airport lounge access.

Chase Ink Business Preferred℠ Drawbacks

The Chase Ink Business Preferred℠ card is not a good choice for businesses looking for an interest-free period on purchases or balance transfers that the American Express Blue Business℠ Plus offers. The card also lacks bonus rewards for spending on restaurants or gas spending, two bonus categories offered by the American Express Business Gold Card.

Chase Ink Business Preferred℠ Reviews

Chase Ink Business Preferred℠ card reviews are extremely positive. While the card charges an annual fee, cardholders love the high introductory rewards and the ongoing points that they earn on so many different purchases. One of the most frequent comments is that more people wished they qualified.

How to Apply for Chase Ink Business Preferred℠

You can apply online to see if you qualify for the Chase Ink Business Preferred℠ card and get an answer within minutes. You may be required to verify some business information offline, depending on your situation, but once approved, you’ll typically be able to use your card when you receive it in seven to 10 days.

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Capital One® Spark® Cash: Best High Limit Business Credit Card for Fixed-Rate Cash-Back Rewards

The Capital One® Spark® Cash card best for businesses that want to earn 2% cash back on all spending. This type of ongoing rewards is suited for businesses that have a variety of spending needs and don’t want to track category bonuses. Ongoing APR is 19.24%.

Capital One® Spark® Cash Costs

Financing costs and fees on the Capital One® Spark® Cash include:

• Introductory APR: None
• Ongoing APR: A variable 19.24%, which will adjust with the prime rate
• Annual fee: $95, waived for the first year
• Balance transfer fee: None

Capital One® Spark® Cash offers a very competitive annual fee of $95 (waived the first year) compared with other high credit limit credit cards. Only the American Express Blue Business℠ Plus charges less ($0 annual fee). If you must finance your high limit balance, the APR on this card is about average for cards on this list.

Capital One® Spark® Cash Rewards

This card pays 2% cash back on all spending, the highest flat-rate, cash back return among the cards on this list. Other cards offer higher returns in bonus category spending, like the 5x points the American Express Business Platinum Card® pays on airfare and hotels. The Business Platinum fares much worse in everyday spending, at 1x points.

Introductory Rewards

If you can meet the spending requirements, earn the following sign-up bonus:

• $500 cash bonus when you spend $4,500 in the first three months of account opening.

The introductory reward on the Capital One® Spark® Cash is worth less than what either the American Express Business Platinum Card® (75,000 points) or the Chase Ink Business Preferred℠ (80,000) offer.

Ongoing Rewards

Earn unlimited 2% cash back on all purchases.

You’ll earn less on certain spending categories than cards with bonus categories, like the Chase Ink Business Preferred℠, which pays three points per dollar on travel and other categories. But since Capital One® Spark® Cash pays a fixed rate on all spending, this card may be a more lucrative option for everyday use than other cards.

Capital One® Spark® Cash Additional Features

Capital One offers several perks through its Visa Signature benefits, including:

• Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
• Purchase protection: Covers your new purchases for up to 90 days against damage or theft, up to $10,000 per claim.
• Lost luggage reimbursement: Checked or carry-on luggage is covered up to $3,000 if lost or stolen when you charge your ticket to the card.

These benefits are fairly standard, although the length of coverage on purchase protection is less than the 120 days the American Express Blue Business℠ Plus offers. The Chase Ink Business Preferred℠ offers other perks like cell phone insurance that this card doesn’t offer.

Capital One® Spark® Cash Drawbacks

Other cards offer better rewards in specific expense categories, like the Chase Ink Business Preferred℠, which pays three points per dollar on travel, shipping, and advertising on search engines. Receiving 2% cash back on all purchases is great for businesses that spend in a variety of different categories or don’t want to track category spending.

Capital One® Spark® Cash Reviews

Capital One® Spark® Cash reviews generally are excellent. Overall, customers love the strong cash-back rewards program. There have been a few complaints in some reviews online, but these are mostly individual customer issues. On the whole, customers report a positive experience with the Capital One® Spark® Cash card.

How to Apply for Capital One® Spark® Cash

You can apply online for a Capital One® Spark® Cash business card and you’ll typically get an immediate decision. Once approved, you’ll get your card in seven to 10 business days.

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Capital One® Spark® Miles: Best High Limit Business Credit Card for Fixed-Rate Travel Rewards

Capital One® Spark® Miles is best for businesses that want to earn 2x miles on all spending. This type of ongoing rewards is suited for businesses that have a variety of spending needs and don’t want to track category bonuses. Ongoing APR is 19.24%

Capital One® Spark® Miles Costs

Financing costs and fees on the Capital One® Spark® Miles include:

• Introductory APR: None
• Ongoing APR: A variable 19.24%, which will adjust with the prime rate
• Annual fee: $95, waived for the first year
• Balance transfer fee: None

The Capital One® Spark® Miles is one of just two business credit cards on our list—along with the Capital One® Spark® Cash—that has an annual fee, but waives it for the first year. This could be a solid benefit if you want to test drive a card but aren’t sure if you want to keep it. The $95 annual fee in the second year and beyond is identical to what the Chase Ink Business Preferred℠ charges.

Capital One® Spark® Miles Rewards

The Capital One® Spark® Miles card offers the best flat-rate business travel rewards on our list, giving you 2x miles on every purchase. Introductory rewards are worth $500 in travel.

Introductory Rewards

Meet the spending requirements to earn the following sign-up bonus:

• 50,000 miles when you spend $4,500 in the first three months of account opening.

Ongoing Rewards

Earn 2x miles on every purchase. There are no minimums you must meet in order to redeem these reward miles.

The flat-rate rewards are not quite as good as the 3x points you’d earn by paying for your airfare with the Chase Sapphire Reserve®, but that card comes with a much higher $450 annual fee, and pays just 1x points on all non-bonus category spending. You can redeem your Capital One miles online by either paying for past travel, booking a new flight or rental car, or by transferring your points to one of the issuer’s airline transfer partners.

Paying for past travel is a unique benefit among travel rewards business credit cards.

Capital One® Spark® Miles Additional Features

Like Capital One® Spark® Cash, Capital One® Spark® Miles offers several perks through Visa Signature benefits, including:

• Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
• Purchase protection: Covers your new purchases for up to 90 days against damage or theft, up to $10,000 per claim.
• Lost luggage reimbursement: Checked or carry-on luggage is covered up to $3,000 if lost or stolen when you charge your ticket to the card.

These benefits are fairly standard, although the length of coverage on purchase protection is less than the 120 days some other cards, like the Chase Ink Business Preferred℠, offer.

Capital One® Spark® Miles Drawbacks

Capital One® Spark® Miles doesn’t offer enhanced bonus category rewards. You could earn as much as 4x points on U.S. purchases at gas stations with the American Express Business Gold card, or twice what you’d earn with the Capital One® Spark® Miles. If you don’t travel much by plane, then this isn’t a very good card for you.

Capital One® Spark® Miles Reviews

Capital One® Spark® Miles reviews online are very good. Many cardholders note the lack of an introductory APR and some complain that the rewards are focused on travel rather than more flexible cash-back rewards. However, most customers report a positive experience with the card.

How to Apply for Capital One® Spark® Miles

You can get the Capital One® Spark® Miles card by filling out an online application with your personal and business information. You will either be approved immediately or be required to submit proof of income by mail. Once approved, you’ll receive your card in seven to 10 business days.

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American Express Business Gold Card: Best High Limit Card for Companies That Are Hiring

The American Express Business Gold Card is best for businesses that plan to hire employees throughout the year. It offers statement credits during the first year of card ownership worth nearly $3,000 off ZipRecuiter Standard. APR is as low as 16.49%.

American Express Business Gold Card Costs

Like the American Express Business Platinum Card®, the American Express Business Gold Card is a charge card, which means it comes with no preset spending limit. However, American Express has added a wrinkle to this charge card by automatically enrolling users in its Pay Over Time program, which allows cardholders to finance eligible purchases of $100 or more.

Financing costs and fees on the American Express Business Gold Card include:

• Introductory APR: None
• Regular APR: Variable APR of 16.49% to 24.49%, which adjusts with the prime rate
• Annual fee: $295
• Balance transfer fee: Transfers are not allowed

The annual fee is considerably higher than the $95 charged by the Capital One® Spark® Miles card (waived the first year). The American Express Business Gold Card doesn’t offer traditional introductory rewards either, which is why this card doesn’t appear higher on our list.

American Express Business Gold Card Rewards

Instead of offering cash or points as an introductory reward, the American Express Business Gold Card offers statement credits for qualifying purchases of G Suite and ZipRecruiter. Earn up to $200 on G Suite, Google’s business email provider, and up to $2,988 on ZipRecruiter, a job-posting tool, within the first 12 months of card membership. No other card on our list offers this kind of sign-up incentive.

Introductory Rewards

American Express Business Gold offers the following benefits at the time of approval:

• G Suite: Receive G Suite Basic free for up to one year for up to three users. The statement credit is based on the price of G Suite Basic, which is $5 per user per month for 12 months, plus taxes. If you purchase a subscription that costs more than the value of G Suite Basic for three users, American Express will apply the statement credit for such purchases up to $200.
• ZipRecruiter: Receive ZipRecruiter Standard for up to one year free. The statement credit is based on the price of ZipRecruiter Standard, which is $249 per month for 12 months. If you purchase a subscription that costs more than $249 per month, American Express will apply the statement credit for such purchases up to $2,988.

If you can take advantage of the full introductory offer, the introductory rewards on the American Express Business Gold Card are the most lucrative of any high limit credit card on our list. But unlike a traditional cash or points bonus, this offer won’t appeal to all businesses, especially if you don’t normally have significant hiring costs.

Ongoing Rewards

Earn the following ongoing rewards for spending in categories like airfare or restaurants:

• 4x points on the two categories where you spend the most each billing cycle, up to $150,000 in combined eligible purchases each calendar year.
• 2x points on travel booked through AmexTravel.com.
• 1x points on all other eligible spending.

American Express offers six possible bonus categories, from which you’ll earn 4x points each month on your top two categories. Categories include: airfare purchased directly from a passenger carrier; advertising purchased in the U.S. to promote your business; computer hardware, software, and cloud computing purchases in the U.S.; gasoline purchased at U.S. gas stations; U.S. restaurants; and shipping services purchased in the U.S.

This is the only card on our list in which your bonus categories change from month to month based on your spending patterns. This card offers higher rewards than the 3x offered by the Chase Ink Business Preferred℠ on similar bonus categories.

American Express Business Gold Card Additional Features

The American Express Gold Card offers fewer benefits than you might expect from a card that charges a $295 annual fee. It is missing travel benefits like the TSA PreCheck reimbursement or free airport lounge access that the American Express Business Platinum Card® offers ($595 annual fee). Still, it offers perks like return protection and baggage insurance.

The following benefits are included on the American Express Business Gold Card:

• Premium roadside assistance: Receive free of charge up to four times a year towing up to 10 miles, winching, jump starts, flat tire change, lockout service when the key is in the vehicle, and delivery of up to two gallons of fuel.
• Return protection: American Express will refund you for eligible purchases when the merchant will not accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per account per calendar year.
• Baggage insurance: If your luggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on baggage and $500 for checked bags.
• Extended warranty: Receive one additional year of warranty service on purchases with warranties of five years or less.
• Purchase protection: Your eligible purchases are covered against accidental damage or theft for 90 days, up to $1,000 per occurrence.

American Express Business Gold Card Drawbacks

One of the factors we weighed in determining the best high limit credit cards is the value of introductory rewards as compared with the annual fee. Unfortunately, many businesses just won’t be able to find the value in the American Express Business Gold Card’s unique introductory rewards. We think most businesses would rather receive $2,000 cash back, like the Capital One® Spark® Cash offers, even if you have to spend $50,000 to earn it.

American Express Business Gold Card Reviews

This newly revamped card doesn’t have any online reviews, but the American Express Business Gold Card is similar enough to the old Business Rewards Gold Card that the reviews for that card remain relevant. Users generally love this card because it has no preset spending limit and earns hefty rewards on bonus category spending. Some users caution that the pricey annual fee limits its appeal for businesses that don’t have huge expenses.

How to Apply for American Express Business Gold Card

You can sign up for an American Express Business Gold Card by filling out an online application that only takes a few minutes. You could get a decision in as quickly as 30 seconds and receive your card within 10 business days.

Apply Now

American Express Blue Business℠ Plus: Best High Limit Credit Card for Carrying a Balance

The American Express Blue Business℠ Plus is best for businesses that want free financing on purchases or balance transfers. It’s the only business credit card on our list with an introductory offer, an outstanding 0% APR on purchases, and balance transfers for 15 months. Ongoing APR is as low as 13.49%, the lowest among cards on this list.

American Express Blue Business℠ Plus Costs

Financing costs and fees on the American Express Blue Business℠ Plus include:

• Introductory APR: 0% for 15 months on purchases and balance transfers
• Ongoing APR: 13.49% to 21.49%, which will adjust with the prime rate
• Annual fee: None
• Balance transfer fee: $5 or 3% of the transfer, whichever is greater

The American Express Blue Business℠ Plus is the only card on our list that doesn’t charge an annual fee. It’s also the only card that offers a 0% introductory interest rate on purchases and balance transfers. Financing purchases for the first 15 months will be free, as long as you pay off the balance by the end of the introductory period.

Transfers, however, aren’t free because you’ll have to pay 3% of the cost of the transfer, or $450 on a $15,000 transfer. That’s still cheaper than a transfer with the Chase Ink Business Preferred℠. It charges 5% on balance transfers, or $750 on a $15,000 transfer, plus an ongoing APR of 17.99% to 22.99%.

American Express Blue Business℠ Plus Rewards

Cardholders earn 2x Membership Rewards points on all spending, which means there are no bonus categories to track. You’ll earn no introductory rewards.

Introductory Rewards

Blue Business℠ Plus offers no sign-up bonus or other introductory rewards. It’s the only card on our list that offers no introductory rewards. This drawback is the reason why American Express Blue Business℠ Plus didn’t land higher on our list.

Ongoing Rewards

Earn the following ongoing rewards on all purchases:

• 2x points on all purchases up to $50,000 each year.
• 1x points on all additional purchases.

The return on ongoing rewards is identical to what you’d earn with the Capital One® Spark® Miles card. Membership Rewards points can be redeemed for airfare or other paid travel through American Express Travel, gift cards, or statement credits against eligible charges. Cardholders also can transfer points to airline and hotel partners, as they can with the Spark Miles card.

American Express Blue Business℠ Plus Additional Features

The American Express Blue Business℠ Plus comes protections against loss and damage, including:

• Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than two years. American Express provides an additional two years if the original manufacturer’s warranty is between two and five years. Coverage is limited to $10,000 per occurrence and $50,000 per account each year.
• Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.

These benefits are fairly standard, although the length of coverage on purchase protection is more than the 90 days the Capital One® Spark® Cash offers. The Chase Ink Business Preferred℠ offers other perks, like cell phone insurance, that this card doesn’t offer.

American Express Blue Business℠ Plus Drawbacks

American Express Blue Business℠ Plus doesn’t offer introductory rewards, while other cards on our list offer potentially huge sign-up bonuses. The Capital One® Spark® Cash, for instance, offers a $500 cash bonus when you spend $4,500 in the first three months of account opening.

You’ll also earn fixed-rate ongoing rewards, which is bad for businesses that spend heavily in certain categories—like airfare or gas—where other cards offer enhanced rewards. The Chase Ink Business Preferred℠ card, for example, pays three points per dollar on the first $150,000 spent in combined purchases each account anniversary year on categories like travel, cable services, and phone services.

American Express Blue Business℠ Plus Reviews

Small business owners applaud the American Express Blue Business℠ Plus in online reviews for helping to grow their firms. Users say they value the points-based rewards system and the issuer’s excellent customer service. Some users complain about the lack of introductory rewards.

Where to Apply for American Express Blue Business℠ Plus

Apply for the American Express Blue Business℠ Plus credit card directly on the issuer’s website. If approved, the 15-month introductory APR period starts as soon as you receive your 0% business credit card.

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Capital One Venture: Best High Limit Personal Credit Card

The Capital One Venture is a fantastic credit card for businesses that use hotels frequently, as it pays 10x miles on all spending at Hotels.com. No other high limit credit card comes close to this rewards return. Ongoing APR is as low as 17.99%. A personal credit card is great option for a startup that might not yet qualify for a small business credit card or an owner looking for more flexible rewards options.

Capital One Venture Costs

Financing costs and fees on the Capital One Venture include:

• Introductory APR: None
• Ongoing APR: 17.99% – 25.24%, which will adjust with the prime rate
• Annual fee: $95, waived the first year
• Balance transfer fee: 3% of the transferred balance

This is not a great card to own if you want to transfer a balance, as it offers no introductory APR. If you need to carry a balance or make a balance transfer, choose the American Express Blue Business℠ Plus, which comes with 0% introductory APR for 15 months on purchases and balance transfers.

Capital One Venture Rewards

You’ll earn fixed-rate miles on all purchases, along with a huge 10x bonus when you book a hotel through Hotels.com. Introductory rewards are worth $750.

Introductory Rewards

Capital One Venture offers the following sign-up bonus to cardholders who can meet spending requirements:

• 75,000 bonus miles when you spend $5,000 on purchases within the first three months after account opening.

That bonus is worth $750 in travel, which is not quite as good as the 80,000 points offered by the Chase Ink Business Preferred℠.

Ongoing Rewards

Capital One Venture offers the following ongoing rewards:

• 2x miles on every purchase.
• 10x miles on hotel stays booked through hotels.com/venture.

The Capital One Venture card offers the best flat-rate travel rewards on our list (tied with Capital One® Spark® Miles), giving you 2x miles on every purchase. That’s not quite as good as the 3x points you’d earn by paying for your airfare with the Chase Sapphire Reserve®, but that card comes with a much higher $450 annual fee, and pays just 1x points on all non-bonus category spending.

Capital One Venture Additional Features

Like the Capital One small business credit cards on our list, Capital One Venture offers several perks through Visa Signature benefits, including:

• Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
• Purchase protection: Covers your new purchases for up to 90 days against damage or theft, up to $10,000 per claim.
• Lost luggage reimbursement: Checked or carry-on luggage is covered up to $3,000 if lost or stolen when you charge your ticket to the card.

These benefits are fairly standard, although the length of coverage on purchase protection is less than the 120 days some other cards, like the Chase Ink Business Preferred℠, offer.

Capital One Venture Drawbacks

Capital One Venture is a personal credit card, not a small business credit card, which means your card activity:

• Will be reported to consumer credit bureaus. Both on-time payment activity and delinquencies would impact your personal credit score.
• Will not be reported to business credit bureaus. You will have no opportunity to either establish or improve your business credit score.

All of the unsecured business credit cards on our list report activity to business credit bureaus. Paying business credit card bills on time could help business owners find more favorable financing terms later on if they need to take out a business loan.

Capital One Venture Reviews

Online user reviews are mostly positive. Cardholders with positive experiences say they love the rewards return and appreciate how quickly they received their introductory rewards after meeting the spending requirement. Unfavorable reviewers say they’ve had customer service problems, including lengthy delays receiving the card and unresolved disputes over amounts owed.

How to Apply for Capital One Venture

Apply for the Capital One Venture directly on the issuer’s website. You may be approved instantly. Your new card will be delivered within seven to 10 business days.

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Chase Sapphire Reserve®: Best High Limit Personal Credit Card for Travel Perks

Chase Sapphire Reserve® is best for business owners who want a personal credit card, but also need excellent travel benefits. It offers airport lounge access, an annual $300 travel credit, and reimbursement for TSA PreCheck membership. Ongoing APR is as low as 19.24%.

Chase Sapphire Reserve® Costs

Financing costs and fees on the Chase Sapphire Reserve® include:

• Introductory APR: None
• Ongoing APR: 19.24% to 26.24%, which will adjust with the prime rate
• Annual fee: $450
• Balance transfer fee: $5 or 5% of the transferred balance, whichever is higher

The only card on our list that charges a higher annual fee than the Chase Sapphire Reserve® is the American Express Business Platinum Card®. The Business Platinum card offers better benefits, including exclusive access to Centurion lounges, but this Chase card could be a better deal for business owners who dine frequently, as it offers 3x Ultimate Rewards points on all restaurants

Chase Sapphire Reserve® Rewards

This card offers excellent ongoing rewards on travel and dining worldwide and an introductory offer worth at least $750 in travel.

Introductory Rewards

Chase Sapphire Reserve® offers the following sign-up bonus for cardholders who can meet spending requirements:

• 50,000 Ultimate Rewards points when you spend $4,000 on purchases within the first three months after account opening.

You’ll earn fewer introductory points on this card than on the American Express Business Platinum Card® (75,000). But the redemption rate on Chase Sapphire Reserve® is 1.5 cents per point when used for travel. That means the two introductory offers could have a similar value of roughly $750.

Ongoing Rewards

Earn the following ongoing rewards on your card:

• 3x points on travel and restaurant dining worldwide.
• 1x points on all other spending.

The Chase Sapphire Reserve® has a lower return on travel spending when compared with the American Express Business Platinum Card® (5x), but the redemption value is boosted 1.5 times when used on the Chase travel portal. That means all travel spending is worth 4.5 cents per dollar.

Chase Sapphire Reserve® Additional Features

Like the American Express Business Platinum Card®, the Chase Sapphire Reserve® offers several premium travel benefits, including:

• Airport lounge access: Enjoy access to more than 1,000 priority pass lounges worldwide for free prior to airline travel.
• Annual travel credit: You’ll receive a $300 annual travel credit that can be applied liberally toward your travel purchases.

The travel credit is much easier to redeem on this card than on the American Express Business Platinum Card® because Chase has a much more liberal definition of travel, which includes more than just baggage and incidental fees on airline travel.

Chase Sapphire Reserve® Drawbacks

Chase Sapphire Reserve® is a personal credit card, not a small business credit card, which means your card activity:

• Will be reported to consumer credit bureaus. Both on-time payment activity and delinquencies would impact your personal credit score.
• Will not be reported to business credit bureaus. You will have no opportunity to either establish or improve your business credit score.

All of the unsecured business credit cards on our list report activity to business credit bureaus. Paying business credit card bills on time could help business owners find more favorable financing terms later on if they need to take out a business loan.

Chase Sapphire Reserve® Reviews

Online user reviews are positive. Cardholders with positive experiences say they can easily redeem awards and benefits that make the annual fee worthwhile. Unfavorable reviewers say the rewards and benefits don’t make up for the annual fee.

How to Apply for Chase Sapphire Reserve®

Apply for the Chase Sapphire Reserve® directly on the issuer’s website. You may be approved instantly. Your new card will be delivered within seven to 10 business days.

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Chase Sapphire Preferred®: Best High Limit Personal Card with a Cheap Annual Fee

Chase Sapphire Preferred® is best for business owners who want to earn travel rewards from a personal credit card, but don’t want to pay a high annual fee. This card is the more affordable cousin to the Chase Sapphire Reserve®. It offers a slightly lower reward rate but also comes with a significantly lower annual fee, $95 to $450. Ongoing APR is as low as 18.24%.

Chase Sapphire Preferred® Costs

Financing costs and fees on the Chase Sapphire Preferred® include:

• Introductory APR: None
• Ongoing APR: 18.24% to 25.24%, which will adjust with the prime rate
• Annual fee: $95, waived the first year
• Balance transfer fee: $5 or 5% of the transferred balance, whichever is higher

The annual fee on this card is identical to what you’d pay on the Capital One® Spark® Miles, but significantly lower than the $595 annual fee the American Express Business Platinum Card® charges.

Chase Sapphire Preferred® Rewards

Chase Sapphire Preferred® offers an introductory bonus worth up to $625 in travel and ongoing rewards on both travel and dining spending.

Introductory Rewards

Chase Sapphire Preferred® offers the following sign-up bonus if you meet spending requirements:

• 50,000 Ultimate Rewards points when you spend $4,000 on purchases within the first three months after account opening.

You’ll earn the same introductory bonus with the Chase Sapphire Reserve®, although that card charges a much higher $450 annual fee. The Reserve’s redemption rate is also higher: 1.5 cents per point versus 1.25 cents per points when redeemed for travel.

Ongoing Rewards

Earn the following ongoing rewards when you use your card:

• Earn 2x points on travel and restaurant dining worldwide.
• Earn 1x points on all other spending.

The Chase Sapphire Preferred® has a lower return on travel and restaurant spending when compared with the Chase Sapphire Reserve® (3x), but the return is higher than many other cards on this list, including the American Express Blue Business℠ Plus, which pays 2x on all spending.

Chase Sapphire Preferred® Additional Features

Chase Sapphire Preferred® offers several benefits found on other cards on this list, including:

• Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
• Trip delay insurance: If your travel is delayed more than 12 hours or you require an overnight stay as a result of a delay, you’re covered for unreimbursed expenses such as meals and lodging up to $500.
• Trip cancellation/trip interruption insurance: Covers up to $10,000 per trip for prepaid, nonrefundable travel expenses if your trip is cut short or interrupted by sickness or bad weather.

You won’t receive the travel credit or TSA PreCheck reimbursement that the Chase Sapphire Reserve® offers, but you’ll also pay significantly less when it comes to an annual fee, $95 versus $450. None of the small business credit cards on this list offer trip delay or trip cancellation insurance.

Chase Sapphire Preferred® Drawbacks

Like the other personal credit cards on this list, the Chase Sapphire Preferred® is not a small business credit card, which means this card will not help you establish or build business credit. Issuers do not report personal credit cards to business credit bureaus. They do report to consumer bureaus, meaning both your on-time payment activity and delinquencies will be reported.

Chase Sapphire Preferred® Reviews

Online user reviews are generally are positive. Cardholders say they like the low annual fee in comparison to the rewards offered. Unfavorable reviewers say the APR of 17.99% to 24.99% is too high.

How to Apply for Chase Sapphire Reserve®

Apply for the Chase Sapphire Preferred® directly on the issuer’s website. You may be approved instantly. Your new card will be delivered within seven to 10 business days.

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How Much High Credit Limit Cards Allow Owners to Spend

Business owners who apply for credit cards with high credit limits should expect to receive a credit limit of $15,000 to $100,000 or more. You won’t know your own credit limit until after you’re approved for a business credit card. If you don’t receive the limit you wanted, wait at least six months before asking the issuer for an increase.

Some charge cards come with no preset spending limit, which gives cardholders the flexibility to make large purchases without having to worry about hitting their credit limit or asking for an increase.

How to Get a High Limit Credit Card

Your credit limit is, in part, tied to your credit score, which means the highest credit limits typically are reserved for cardholders with high credit scores of at least 800. As is, all of the cards on our list are high limit credit cards for excellent credit of at least 750.

But issuers take other factors into account as well, like how much debt you have relative to your financial resources and how frequently you make a late payment. A high credit score alone does not guarantee you’ll receive a high credit limit.

What Is the Average Credit Card Limit?

A high credit limit is a relative term, since one business might need $10,000 of available credit to manage expenses, while another might need $100,000. But government data shows what the average credit card limit looks like by credit score:

• 720-850 credit score: ~$10,000
• 660-719 credit score: ~$6,000
• 630-659 credit score: ~$3,000
• 580-629 credit score: ~$2,000

Any credit limit greater than $10,000 is above average, but credit cards with the highest limits tend to offer much higher credit lines of $100,000 or more.

What Is the Highest Credit Card Limit?

Since issuers don’t disclose the maximum credit limits they allow, it’s impossible to say what the highest credit card limit is. But users have reported in online forums that they’ve received a credit limit as high as $225,000 on a single credit card. A $15,000 to $75,000 limit is probably closer to an average range for a high limit credit card.

Bottom Line

Each of the high limit credit cards on our list allow business owners with a credit score of 750+ to enjoy credit limits of $15,000 to $100,000 or more on a single credit card. Business owners can use these high limits to fund their monthly expenses or to pay for a planned large purchase.

The Chase Ink Business Preferred℠ card is among the best high limit credit cards. It pays 3x points on travel, shipping, advertising on search engines and social media sites, and on internet, cable, and phone services. Plus it charges a lower annual fee ($95) than most high limit business credit cards.

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