9 Best High Limit Business Credit Cards 2019

The best high limit business credit cards give companies with $15,000 to $100,000 or more in monthly expenses the flexibility to put both large and routine purchases on one credit card. The best high limit credit cards offer introductory rewards worth up to $2,000 and ongoing rewards up to 5% back.

Top 9 High Limit Business Credit Cards July 2019

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. All of the cards on our list of the best high limit credit cards are for owners with excellent credit of at least 750.

But issuers take other factors into account as well. This is how to get a high limit credit card: Make sure you don’t have too much debt relative to your financial resources and don’t make late payments. A high credit score alone does not guarantee you’ll receive a high credit limit. If you receive a card and you find the limit low, there are ways to increase your 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 to 850 credit score: approximately $10,000
• 660 to 719 credit score: approximately $6,000
• 630 to 659 credit score: approximately $3,000
• 580 to 629 credit score: approximately $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. And remember: If you don’t like your initial credit limit, you may be able to get it increased over time. One way to increase your credit limit is to regularly report your income to your card issuer.

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.

What’s Changed With the Best High Limit Credit Cards

This article was originally published in February 2019. We update this story regularly because the issuers of the best high limit business credit cards frequently change introductory offers and benefits. In this most recent update, Capital One® Spark® Miles for Business added a new benefit that reimburses cardholders for membership to an expedited airport screening program.

Recent changes to our list of the best high limit credit card rankings include:
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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.

We considered these features in determining 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 over $100,000.
• Annual fee: How much it costs to own high credit limit cards. We found ranges of $25 to $595, 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 up to $800 on required spending up 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 fixed 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 cellphone 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 more than 20%.

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. If your personal credit falls below this threshold, consider one of the best small business cards for fair credit.

After examining what 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 are worth well more than what the other best high limit credit cards offer.

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

The American Express Business Platinum Card® is the best high limit credit card 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 Pre✓® airport screening programs could be worth several thousand dollars annually. This card carries far 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 for Business—offers.

Introductory Rewards

You’ll 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.

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 the best high limit credit cards to make large purchases.

How to Redeem Rewards

You can redeem your points in one of seven ways:

• Statement credit: Apply your points to pay for charges on your credit card statement (1,000-point minimum).
• Travel: Book travel on American Express Travel (5,000-point minimum) and receive 35% of your points back. You can also transfer points to another frequent flyer program for a fee of 0.0006 cents per point, with a maximum fee of $99.
• Gift cards: Redeem your points for gift cards through www.amexgiftcard.com.
• Amazon.com: After you add your card to your Amazon account and use it at least once, you can use your points on Amazon purchases.
• Ticketmaster: Redeem a minimum of 2,000 points on Ticketmaster to purchase event tickets.
• AXS: Redeem a minimum of 2,000 points on AXS to purchases event tickets.
• Taxi fares: Redeem your points for select taxi fares and tips in New York City.

Point redemption values vary based on how you redeem points. You can, for example, redeem 50,000 points for up to $500 worth of gift cards, flights, and Uber rides and up to $350 in prepaid hotel stays.

American Express Business Platinum Card® Additional Features

The ongoing rewards alone probably aren’t enough to justify the $595 annual fee. The exceptional suite of benefits, though, more than makes up for the annual fee if you own a business that can take advantage.

The American Express Business Platinum Card® includes:

• American Express lounges: Free access to American Express’ network of Centurion lounges located in about one dozen U.S. airports.
• Priority Pass Select membership: You’ll get free access to more than 1,000 lounges worldwide for you and two guests.
• Airport screening reimbursement: Receive either a $100 statement credit for Global Entry or $85 statement credit for TSA Pre✓® once every four years.
• Travel credit: Earn up to $200 in annual statement credits toward air travel expenses like baggage fees and inflight food and drink.
• Car rental status: Elite status at a number of car rental agencies.
• Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
• Flight rebates: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
• Workspace access: A complimentary year of access to more than 300 WeWork locations worldwide (enroll between February 15, 2019 and December 31, 2019).
• Computer credits: Up to $200 in statement credits annually for Dell purchases.

While cards like the Chase Sapphire Reserve® offer TSA Pre✓® 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 Card® offers.

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 Card, 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

We considered both user reviews and our own editorial review when rating this card. American Express Business Platinum Card® reviews typically are very positive. The travel-related benefits, like annual statement credits for travel expenses, get high marks. However, this American Express business card is not good for earning rewards outside of travel spending.

American Express Business Platinum Card® User Reviews

Users consider this American Express business credit card to be the best in its class, with tremendous rewards for flights and hotels. Customers also love the travel-related perks, like access to airport lounges. Some users think the annual fee is excessive.

American Express Business Platinum Card® Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. The American Express Business Platinum Card® is a well-reviewed credit card that’s widely recognized as much for its travel rewards as its suite of travel-related benefits. No other business rewards credit card can beat the Amex card when it comes to perks. But its annual fee can be a burden on some businesses, and it lacks rewards in other spending categories.

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 for Maximizing Rewards at a Lower Annual Fee

Chase Ink Business Preferred^SM is the best high limit credit card 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. You’ll pay an ongoing APR as low as 18.24%.

Chase Ink Business Preferred^SM Costs

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

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

The $95 annual fee charged by Chase Ink Business Preferred^SM is similar to what the Capital One® Spark® Cash for Business and Capital One® Spark® Miles for Business charge. Their annual fees are waived the first year, however. The annual fee on this Chase business credit card is lower than the $595 fee the American Express Business Platinum Card® charges.

Chase Ink Business Preferred^SM Rewards

The Chase Ink Business Preferred^SM 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 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^SM 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.

This is the best introductory offer on our list. The American Express Business Platinum Card® offers 75,000 Membership Rewards points within your first three months of opening your account if you make $20,000 in purchases.

Ongoing Rewards

You’ll 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.

How to Redeem Rewards

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^SM cardholders also can transfer points to airline and hotel partners. When redeemed for travel, the points are worth $1,000.

Chase Ink Business Preferred^SM Additional Features

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

Chase Ink Business Preferred^SM 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.
• Cellphone 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 and delay insurance: If your trip is canceled, you can be compensated up to $5,000 for prepaid 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^SM offers some benefits no other card on our list offers, like cellphone 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^SM Drawbacks

The Chase Ink Business Preferred^SM card is not among the best high limit balance transfer credit cards because it offers no 0% interest period on purchases or balance transfers. The card also lacks bonus rewards for spending on restaurants or gas spending, which are two bonus categories offered by the American Express Business® Gold Card.

Chase Ink Business Preferred^SM Reviews

We considered both user reviews and our own editorial review when rating this card. Chase Ink Business Preferred^SM reviews are extremely positive. Some reviews champion this travel rewards credit card over the American Express Business Platinum Card® because it offers huge value at a significantly lower cost.

Chase Ink Business Preferred^SM User Reviews

We searched the internet for user reviews of this Chase small business credit card. While Chase Ink Business Preferred^SM charges an annual fee, cardholders love the high introductory rewards and the ongoing points that they earn in different spending categories. Some users say they’re disappointed the card doesn’t offer more travel benefits.

Chase Ink Business Preferred^SM Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. We find this card to be equal to or narrowly behind the American Express Business Platinum Card® as the best small business travel credit card. It’s a better travel credit card for businesses that don’t want or need luxury travel benefits. Some reviewers are disappointed the card doesn’t offer more bonus categories.

How to Apply for Chase Ink Business Preferred^SM

You can apply online to see if you qualify for the Chase Ink Business Preferred^SM 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® Miles for Business: Best for Fixed-rate Travel Rewards

Capital One® Spark® Miles for Business is best for businesses that want to earn unlimited 2x miles per $1 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. The ongoing APR is 19.24% variable.

Capital One® Spark® Miles for Business Costs

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

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

The Capital One® Spark® Miles for Business is one of just two business credit cards on our list—along with the Capital One® Spark® Cash for Business—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 Chase Ink Business Preferred^SM charges.

Capital One® Spark® Miles for Business Rewards

The Capital One® Spark® Miles for Business card offers the best flat-rate business travel rewards on our list, giving you unlimited 2x miles per $1 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—equal to $500 in travel—when you spend $4,500 in the first three months of account opening.

The sign-up bonus on this card is less than what you’d earn with either the American Express Business Platinum Card® or the Chase Ink Business Preferred^SM.

Ongoing Rewards

Earn unlimited 2x miles per $1 on every purchase. There are no minimums you must meet in order to redeem these reward miles.

The fixed-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.

How to Redeem Rewards

You can redeem your rewards in one of six ways:

• Redeem for new travel reservations: You can book flights, car rentals, or hotels using your miles. For every $1 of travel, you’ll need to redeem 100 points. For example, if your travel costs $200, you would multiply that by 100 to determine you need 20,000 miles to cover the cost.
• Redeem for past travel purchases: You can redeem your rewards for past travel purchases made on your card. Redemptions must be made within 90 days from the date your travel purchase shows on your account.
• Transfer to a select travel partner: You can transfer your miles to 15 select loyalty programs. Your rewards may be worth more in free travel when you transfer to one of these partners.
• Statement credit or check: You can also redeem your points as cash back in the form of a statement credit or a check by mail. Redemption value is 1 cent per point.
• Redeem for gift cards: You can redeem your rewards for gift cards at restaurants, retailers, or hotels.
• Automatic redemption: You have two options for receiving your rewards automatically. You can receive them at a set time each calendar year or when a threshold has been reached—$25, $50, $100, $200, $500, or $1,500.

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

Capital One® Spark® Miles for Business Additional Features

Like Capital One® Spark® Cash for Business, Capital One® Spark® Miles for Business offers several perks through Visa Signature benefits. But the Miles card also offers reimbursement once every four years for either Global Entry or TSA Pre✓®.

The Capital One® Spark® Miles for Business includes the following additional benefits:

• Airport security screening reimbursement: Either a $100 statement credit for Global Entry or $85 statement credit for TSA Pre✓® once every four years.
• 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.

No other small business credit card with an annual fee as low as Capital One® Spark® Miles for Business charges offers a statement credit for airport security screening programs. The American Express Business Platinum Card® offers the same benefit, but you’ll pay a $595 annual fee to enjoy it.

Capital One® Spark® Miles for Business Drawbacks

Capital One® Spark® Miles for Business 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 for Business. If you don’t travel much by plane, then this isn’t a very good card for you.

Capital One® Spark® Miles for Business Reviews

We considered both user reviews and our own editorial review when rating this card. Capital One® Spark® Miles for Business reviews are very good. Reviewers say the card is a solid value, particularly for small business owners who don’t have the time or interest to track category spending for bonus rewards. For everyday spending, this card offers more value than most cards, which pay just 1x points.

Capital One® Spark® Miles for Business User Reviews

Users note the lack of an introductory APR and some complain the rewards are focused on travel rather than more flexible cash-back rewards. However, most customers report a positive experience with the card.

Capital One® Spark® Miles for Business Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Reviewers favor the simple structure of this Capital One small business credit card’s rewards program. Capital One sets no rewards caps, which may make this card more valuable over the course of a year than other cards with bonus categories.

How to Apply for Capital One® Spark® Miles for Business

You can get the Capital One® Spark® Miles for Business 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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Capital One® Spark® Cash for Business: Best for Fixed-rate, Cash-back Rewards

The Capital One® Spark® Cash for Business card is the best high limit credit card 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. The ongoing APR is 19.24% variable.

Capital One® Spark® Cash for Business Costs

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

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

Capital One® Spark® Cash for Business 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^SM 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. This card is not an ideal high limit balance transfer credit card because it offers no introductory APR.

Capital One® Spark® Cash for Business 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 on purchases within the first three months of account opening.

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

Ongoing Rewards

You’ll earn unlimited 2% cash back on all purchases.

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

How to Redeem Rewards

You can redeem your rewards in one of four ways:

• Statement credit or check: You can get your cash back upon request in the form of a statement credit or a check by mail.
• Redeem for a purchase: You can redeem your rewards for a recent transaction made on your Capital One business credit card.
• Redeem for gift cards: You can redeem your rewards for gift cards at restaurants, retailers, or hotels. Your gift card will arrive within two to three weeks.
• Automatic redemption: You have two options for receiving your rewards automatically. You can receive them at a set time each calendar year or when a threshold has been reached―$25, $50, $100, $200, $500, or $1,500.

If you want to redeem your rewards for travel, this isn’t the best small business credit card for you. Choose this card only if you want to redeem your rewards to put money back into your company.

Capital One® Spark® Cash for Business 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^SM Plus offers. The Chase Ink Business Preferred^SM offers other perks, like cell phone insurance, that this card doesn’t offer.

Capital One® Spark® Cash for Business Drawbacks

Other cards offer better rewards in specific expense categories, like the Chase Ink Business Preferred^SM, 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 for Business Reviews

We considered both user reviews and our own editorial review when rating this card. Capital One® Spark® Cash for Business reviews are mostly positive. The fixed-rate rewards program is highly rated, but the card might not be right for all business owners because it carries a $95 annual fee, waived the first year.

Capital One® Spark® Cash for Business User Reviews

Users love the strong cash-back rewards program. Some users indicate they are disappointed that Capital One reports card activity to both personal and business credit bureaus. Some, but not all, issuers only report business card activity to the business credit bureaus.

Capital One® Spark® Cash for Business Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Capital One® Spark® Cash for Business is one of the best small business credit cards available. Its simple rewards program—earn 2% cash back on everything—should appeal to businesses with diverse spending needs.

How to Apply for Capital One® Spark® Cash for Business

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

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American Express® Business Gold Card: Best for Earning Category Rewards

The American Express® Business Gold Card is an ideal high credit limit credit card for businesses that budget to spend plenty of money in multiple spending categories. It pays 4x points on two categories six categories in which you spend the most. You could earn bonus points on categories like airfare purchased directly from a passenger carrier and advertising to promote your business.

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: 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 for Business card (waived the first year). The fee is, however, considerably lower than what the American Express Business Platinum Card® charges.

American Express® Business Gold Card Rewards

The American Express® Business Gold Card offers both traditional introductory rewards and unique credits for qualifying software purchases. Earn up to a combined $3,200 on G Suite, Google’s business email provider, and 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 introductory rewards:

• 35,000 Membership Rewards points: You must spend $5,000 on your card within three months of card membership to earn the points.
• 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.
• 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 can take advantage of the full 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 not all businesses will need the free services, and the 35,000 Membership Rewards points are low compared with other cards, like the American Express Business Platinum Card®, which offers up to 75,000 Membership Rewards points.

Ongoing Rewards

You’ll 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^SM on similar bonus categories.

How to Redeem Rewards

You can redeem your points in one of seven ways:

• For your charges: Use your points for your eligible charge on your current statement. You must have at least 1,000 available points in your account.
• Travel: Use points to book travel on American Express Travel, for which you will get 25% of your points back. Minimum redemption is 5,000 points. You can also transfer points to one of the issuer’s travel partners.
• Gift cards: Purchase American Express gift cards through www.amexgiftcard.com.
• Amazon.com: To use points at Amazon, you must first load your card into your Amazon account and use your card at least once.
• Ticketmaster: You can redeem your points on Ticketmaster to purchase event tickets. The minimum redemption is 2,000 points.
• AXS: You can redeem your points on AXS to purchase event tickets. The minimum redemption is 2,000 points.
• Taxi fares: Redeem your points for fares (including tips) on certain taxis in New York City.

American Express tends to have the most redemption options among the best high limit business credit cards. But not all of the options offer the best redemption rate. Make sure to check how much each point is worth at the time of redemption.

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 Pre✓® reimbursement or the 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

Even though the American Express® Business Gold Card offers an introductory bonus, you’ll earn fewer points than you could with a business card that charges a significantly lower annual fee. The Chase Ink Business Preferred^SM card offers 80,000 Ultimate Rewards points and charges a $95 annual fee.

American Express® Business Gold Card Reviews

We considered both user reviews and our own editorial review when rating this card. American Express® Business Gold card reviews are generally favorable. Users enjoy the bonus category rewards, but the introductory rewards may not be high enough to satisfy some business owners.

American Express® Business Gold Card User Reviews

We searched the internet for American Express® Business Gold card user reviews. 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.

American Express® Business Gold Card Editorial Reviews

Although this card now offers a standard introductory bonus, our editorial review found the value for most small business owners is smaller than what other cards offer. Along with the introductory rewards, this card also offers free access to G Suite and ZipRecruiter for one year. This card becomes significantly more valuable if your business can take advantage of these services.

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.

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

The American Express Blue Business^SM 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 12 months. The ongoing APR is as low as 15.49%.

American Express Blue Business^SM Plus Costs

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

• Introductory APR: 0% for 12 months on purchases and balance transfers
• Ongoing APR: 15.49% to 21.49%, which adjusts with the prime rate
• Annual fee: None
• Balance transfer fee: $5 or 3% of the transfer, whichever is greater

The American Express Blue Business^SM 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 12 months will be free, as long as you pay 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^SM. 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^SM 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^SM 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^SM 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 similar to the two miles per dollar spent that you’d earn with the Capital One® Spark® Miles for Business 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 Capital One® Spark® Miles for Business card.

How to Redeem Rewards

You can redeem Membership Rewards points in seven different ways:

• For your charges: Use your points for your eligible charges on your current statement. You must have at least 1,000 available points in your account.
• Travel: Use points to book travel on American Express Travel; minimum redemption is 5,000 points.
• Gift cards: Purchase American Express gift cards through www.amexgiftcard.com.
• Amazon.com: To use points at Amazon, you must first load your card into your Amazon account and use your card at least once.
• Ticketmaster: You can redeem your points on Ticketmaster to purchase event tickets. The minimum redemption is 2,000 points.
• AXS: You can redeem your points on AXS to purchase event tickets. The minimum redemption is 2,000 points.
• Taxi fares: Redeem your points for fares—including tips—in certain taxis in New York City.

Like other American Express small business cards that offer Membership Rewards points, this card offers similar redemption options. Be sure to check the per-point value when redeeming to ensure you’re getting the highest return possible.

American Express Blue Business^SM Plus Additional Features

The American Express Blue Business^SM Plus comes with 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 for Business offers. The Chase Ink Business Preferred^SM offers other perks, like cell phone insurance, that this card doesn’t offer.

American Express Blue Business^SM Plus Drawbacks

American Express Blue Business^SM Plus doesn’t offer introductory rewards, while other cards on our list offer potentially huge sign-up bonuses. The Capital One® Spark® Cash for Business, 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^SM 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^SM Plus Reviews

We considered both user reviews and our own editorial review when rating this card. American Express Blue Business^SM Plus reviews are generally positive, as owners credit the card with helping to grow their firms. The card’s points-based rewards system and its lengthy 0% introductory offer both draw praise.

American Express Blue Business^SM Plus User Reviews

We searched the internet to find user reviews for this card. Users say they value the 2x points you’ll earn in ongoing rewards and the issuer’s excellent customer service. Some users say they were disappointed this card doesn’t offer a sign-up bonus.

American Express Blue Business^SM Plus Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. The American Express Blue Business^SM Plus is one of the best business credit cards for owners who want or need a break on financing. It offers a 0% introductory APR for 12 months. That’s one of the longest introductory periods available on a small business credit card. This card isn’t as valuable as some others that offer bonus category rewards of up to 5%.

How to Apply for American Express Blue Business^SM Plus

Apply for the American Express Blue Business^SM Plus credit card directly on the issuer’s website. If approved, the 12-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 through January 2020. No other high limit credit card comes close to this rewards return. The ongoing APR is as low as 17.99% variable.

A personal credit card is a 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% to 25.24% variable, which adjusts with the prime rate
• Annual fee: $95, waived the first year
• Balance transfer fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that may be offered; none for balances transferred at the transfer APR

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^SM Plus, which comes with 0% introductory APR for 12 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 $500.

Introductory Rewards

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

• 50,000 bonus miles when you spend $3,000 on purchases within the first three months after account opening.

That bonus is worth $500 in travel, which is not quite as good as the 80,000 points offered by Chase Ink Business Preferred^SM.

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. This offer is good through January 2020.

The Capital One® Venture® card offers the best fixed-rate travel rewards on our list (tied with Capital One® Spark® Miles for Business), 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.

How to Redeem Rewards

You can redeem your rewards in one of six ways:

• Travel: Book flights, car rentals, or hotels. You’ll need to redeem 100 points for every dollar of travel.
• Past travel purchases: You can redeem your rewards for past travel purchases made using your Capital One card. You must redeem your miles within 90 days from the date the travel purchase shows on your account.
• Transfer to a select loyalty program: You can transfer your Capital One miles to 15 select loyalty programs, including Air Canada, JetBlue, Aeromexico, Emirates Skywards, Qantas, and Qatar Airways. Your miles may be worth more in free travel when you transfer to one of these partners.
• Statement credit or check: You can also redeem your points as cash back in the form of a statement credit or a check by mail. Redemption value is one cent per point.
• Redeem for gift cards: You can redeem your rewards for gift cards at restaurants, retailers, or hotels. Your gift card will arrive within two to three weeks.
• Automatic redemption: You can receive your miles at a specific time every year or when you reach a set threshold ($25, $50, $100, $200, $500, or $1,500).

This is one of just a handful of cards on our list that allow you to transfer points to a partner airline. Other cards include the American Express Business Platinum Card®, Chase Ink Business Preferred^SM, Capital One® Spark Miles® for Business, and Chase Sapphire Reserve®.

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^SM, 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 will 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 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

We considered user reviews and editorial reviews when rating this card. Capital One® Venture® Rewards reviews are mostly positive. The card earns high marks for its travel rewards, particularly its 10x miles on Hotels.com purchases.

Capital One® Venture® User Reviews

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.

Capital One® Venture® Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. This card, of course, isn’t a business credit card—it’s a personal card. That’s this card’s biggest drawback in our eyes. You won’t be able to build business credit by using this card. That may not matter, however, if you find the rewards worthwhile.

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 Pre✓® 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 adjusts with the prime rate
• Annual fee: $450
• Balance transfer fee: $5 or 5% of the transferred balance, whichever is greater

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 the 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 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 spent.

How to Redeem Rewards

You can redeem your points for cash, gift cards, or travel. When you use points to redeem for cash, each point is worth one cent. When you redeem points for travel booked through Chase’s online travel portal, each point is worth 1.5 cents. For example, 50,000 points are worth $750 towards travel, or $500 when redeemed for cash.

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.
• Airport security screening reimbursement: Either a $100 statement credit for Global Entry or $85 statement credit for TSA Pre✓® once every four years.

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 will 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 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

We considered both user reviews and editorial reviews when rating this card. Chase Sapphire Reserve® reviews are primarily positive. Users love the rewards and the redemption value when points are redeemed for travel. This card isn’t valuable, however, for owners who don’t travel or dine frequently.

Chase Sapphire Reserve® User Reviews

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.

Chase Sapphire Reserve® Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Like the Capital One® Venture®, this card is a personal card, so you won’t be able to build business credit when you use this card. We love this card’s rewards and its benefits, which make the $450 annual fee well worth it.

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.

Note: The information related to the Chase Sapphire Reserve® Credit Card has been collected by Fit Small Business and has not been reviewed or provided by the issuer of this card.

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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 (versus $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 adjusts with the prime rate
• Annual fee: $95, waived the first year
• Balance transfer fee: $5 or 5% of the transferred balance, whichever is greater

The annual fee on this card is identical to what you’d pay on the Capital One® Spark® Miles for Business, 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 the spending requirements:

• 60,000 Ultimate Rewards points when you spend $4,000 on purchases within the first three months after account opening.

That’s $10,000 more points than you’d earn 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 point when redeemed for travel.

Ongoing Rewards

You’ll earn the following ongoing rewards when you use your card:

• 2x points on travel and restaurant dining worldwide.
• 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^SM Plus, which pays 2x on all spending.

How to Redeem Rewards

You can redeem your rewards for travel, cash back, or gift cards. When redeeming for cash back or gift cards, your redemption value is one cent per point. When redeeming for travel through Chase’s Ultimate Rewards website, travel is worth 1.25 cents per point. You also can increase your redemption value when you transfer rewards to the Chase Sapphire Reserve® card. Each point is worth 1.5 cents when redeemed for travel.

You may be able to boost the redemption value further by transferring your Chase Ultimate Rewards points to one of the issuer’s airline partners. When transferred, point values vary, but your redemption value could exceed 2 cents per point or more when booking flights.

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 and 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 Pre✓® 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

We considered both user reviews and editorial reviews when rating this card. Chase Sapphire Preferred® is the cheaper alternative to Chase Sapphire Reserve®. It receives high marks for its low annual fee and generous rewards. This card is best for owners who don’t travel enough to justify paying the annual fee on a card like Chase Sapphire Reserve®.

Chase Sapphire Preferred® User Reviews

Online user reviews are generally 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.

Chase Sapphire Preferred® Editorial Reviews

We rate credit cards based on their costs, rewards, and benefits. This card offers an excellent return for the money, but we wish this card offered higher rewards on other bonus categories, like gas or groceries.

How to Apply for Chase Sapphire Preferred®

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.

Note: The information related to the Chase Sapphire Preferred® Credit Card has been collected by Fit Small Business and has not been reviewed or provided by the issuer of this card.

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Bottom Line

Each of the best high limit credit cards on our list allows business owners with a credit score of 750 or greater to enjoy credit limits of $15,000 to over $100,000 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 American Express Business Platinum Card® is our pick for the best high limit credit card. It pays 5x points on airfare and offers excellent perks, like access to more than 1,000 airport lounges worldwide. Its $595 annual fee is pricey, but the benefits and rewards could add up to well more than the fee.

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