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The best high-limit business credit cards provide substantial or flexible buying power to businesses with high-volume expenses. High-limit business credit cards that offer ongoing rewards (like cash back or points), low fees, and reasonable ongoing APRs can help your company save on credit costs. Our recommendations include regular business credit cards, corporate charge cards, and a business secured credit card.
Here are our eight best business credit cards with high limits:
- The Blue Business® Plus Credit Card from American Express: Overall best high-limit business credit card with Expanded Buying Power and $0 annual fee
- The Business Platinum Card® from American Express: Best for luxury travel perks and Pay Over Time feature
- Chase Ink Business Preferred® Credit Card: Best for high introductory offer and premium travel rewards value
- Ramp Credit Card: Best corporate card with no personal credit check and no personal guarantee
- American Express® Business Gold Card: Best for earning rewards where you spend the most with no preset spending limit
- Capital One Spark Cash Plus: Best for earning up to 5% cash back and generous welcome offer
- Capital One Venture X Business: Best for frequent travelers who want premium rewards
- Capital on Tap Business Credit Card: Best for making weekly automatic payments
Looking for robust expense management Business Cards? Check out Ramp Today |
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Overview of the Best High-limit Business Credit Cards
Best For | Annual Fee | Ongoing Rewards | |||
|---|---|---|---|---|---|
 The Blue Business® Plus Credit Card from American Express Alt text: American Express Blue Business Plus sample. | Overall best high-limit business credit card with Expanded Buying Power and $0 annual fee | $0 | Up to 2× points | 15,000 points | |
 American Express Business Platinum Card | Luxury travel perks | $695 | Up to 5x points | 150,000 bonus points | |
 Chase Ink Business Preferred® Credit Card | High introductory offer and premium travel rewards value | $95 | Up to 5× points | 90,000 points | |
 Ramp Credit Card | No personal credit check and no personal guarantee | $0 | Up to 1.5% cash back | None | |
 American Express® Business Gold Card | Earning rewards where you spend the most with no preset spending limit | $375 | Up to 4× points | 100,000 points | |
 Capital One Spark Cash Plus | Earning up to 5% cash back and generous welcome offer | $150 | Up to 5% cash back | $2,000 cash back | |
 Capital One Venture X Business
| Frequent travelers who want premium rewards | $395 | Up to 5x points | Up to 10× miles | |
 Capital On Tap Business Credit Card | Making weekly automatic payments | $0 | 1.5% cash back | None |
If you want to see how a credit card stacks up against others, click Add to Compare on the cards below. Note that you can compare up to three credit cards on this page or cards here against others on our site.
The Blue Business® Plus Credit Card from American Express: Overall Best High Limit Business Credit Card with Expanded Buying Power & $0 Annual Fee
The Blue Business® Plus Credit Card from American Express
BEST FOR:
Pocketing 2x points per $1 and 0% introductory APR for 12 months
Intro APR
0% on purchases
Regular APR
17.49% - 27.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
Pros
- $0 annual fee
- 0% APR for 12 months on purchases
- Welcome offer
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
Intro APR
0% on purchases
Regular APR
17.49% - 27.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
Pros
- $0 annual fee
- 0% APR for 12 months on purchases
- Welcome offer
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
Why We Like It
The Blue Business® Plus Credit Card from American Express is the overall best high-limit business credit card because of its Expanded Buying Power feature, which lets business owners spend over their credit limit when they need to. The amount you can spend adjusts based on your credit usage, credit score, payment behavior, and other financial factors. On top of that, you can save on overall credit costs because it charges $0 annual fees while letting you earn unlimited cash back on your purchases. These are also some of the reasons why the card is chosen as the top business credit card for real estate agents.
Ongoing Rewards
- 2× Membership Rewards® points on the first $50,000 in eligible purchases, then 1× Membership Rewards® points after the cap is met
- 15,000 Membership Rewards® points after spending $3,000 in purchases within the first three months from the date of account opening
- 0% purchase APR for the first 12 billing cycles after opening an account
- Protection coverage including car rental loss and damage insurance, extended warranty, and purchase protection
The Business Platinum Card® from American Express: Best for Luxury Travel Perks & Pay Over Time Feature
The Business Platinum Card® from American Express
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
Intro APR
N/A
Regular APR
18.49% - 27.49% Variable
Annual Fee
$695
Credit Needed
Excellent, Good
- Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- NEW! Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests. Enrollment required.
- Airport screening: Either a $120 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
Intro APR
N/A
Regular APR
18.49% - 27.49% Variable
Annual Fee
$695
Credit Needed
Excellent, Good
- Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- NEW! Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests. Enrollment required.
- Airport screening: Either a $120 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
Why We Like It
The Business Platinum Card® from American Express is known for its premium travel perks, including access to The Global Lounge Collection®, which provides complimentary access to over 1,400 airport lounges worldwide. You’ll also get a $200 airline fee credit, $199 CLEAR® Plus credit, $0 foreign transaction fees, and more. There’s no wonder why it is our top-recommended business credit card with airport lounge access.
Ongoing Rewards
- 5× Membership Rewards® points on flights and prepaid hotels booked on amextravel.com
- 1.5× Membership Rewards® points
Applicable on the first $2 million in eligible purchases each year
on each eligible purchase of $5,000 or more
Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
, as well as in the following key business categories:
- US Construction material and hardware suppliers
- US Electronic goods retailers
- US software and cloud system providers
- US shipping providers
- 1× point Membership Rewards® points on all other purchases
- 150,000 Membership Rewards® points after spending $20,000 on eligible purchases within the first three months from the date of account opening
- $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first three months of Card Membership, through June 30, 2025
- Statement credits when you make purchases from the following merchants:
- Up to $400 back on US purchases with Dell Technologies
Keep in mind that the card comes with a high annual fee of $695. However, if you travel frequently and appreciate these luxury perks, the benefits you can get justify the high cost of the card.
card_name: Best for High Introductory Offer & Premium Travel Rewards Value
card_name
BEST FOR:
Maximizing travel rewards at a lower annual fee
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
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- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Why We Like It
The high introductory bonus points offered by Chase Ink Business Preferred® Credit Card is one of the reasons why it’s a great business credit card with high limits. As a welcome offer, you’ll receive 90,000 bonus points when you spend $8,000 in the first three months after opening an account. On top of that, you’ll get 25% more in rewards value when you redeem your points for travel through Chase TravelSM. As one of the leading business credit cards for new businesses with no credit history, you don’t need business credit to qualify as long as you meet the personal credit score requirements.
Ongoing Rewards
- 5× points on Lyft rides until March 2025
- 3× points on the first $150,000 combined purchases in the following categories:
- Shipping
- Advertising purchases made with social media sites and search engines
- Internet, cable, and phone services
- Travel
- 1× points on all other purchases
- Low annual fee of $95 only
- Flexible rewards redemption options, including cash back, gift cards, travel experiences, points transfer to airline and hotel partners at 1:1 value, and more through Chase Ultimate Rewards
- $0 foreign transaction fees
Ramp Credit Card: Best Corporate Card With No Personal Credit Check & No Personal Guarantee
Ramp Credit Card
BEST FOR:
Those who are using Ramp as their main financial management tool
Intro APR
None
Regular APR
None
Annual Fee
$0
Credit Needed
Poor to Excellent
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Integrates with accounting software, such as QuickBooks and Xero
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
Intro APR
None
Regular APR
None
Annual Fee
$0
Credit Needed
Poor to Excellent
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Integrates with accounting software, such as QuickBooks and Xero
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
Why We Like It
Ramp credit card is a corporate charge card that offers up to 20× higher credit limits than traditional business credit card options. What’s more, it does not require a personal credit check and personal guarantee as part of the application process. To qualify, your company needs to have at least $25,000 in a US business bank account that will be connected to Ramp. With its unlimited cash back and substantial credit limits, it is also selected as our best corporate card.
Ongoing Rewards
- Up to 1.5% cash back on all purchases
- Unlimited physical and virtual cards at no additional costs
- $0 annual and foreign transaction fees
- Ramp’s seamless platform lets you set controls, block merchants, and monitor business spending
American Express® Business Gold Card: Best for Earning Rewards Where You Spend the Most With No Preset Spending Limit
American Express® Business Gold Card
BEST FOR:
Maximizing rewards in the two categories where you spend the most
Intro APR
0% on purchases
Regular APR
18.49% - 27.49% Variable
Annual Fee
$375
Credit Needed
Excellent, Good
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
Pros
- Earn 4x points in two categories every month
- Pay eligible charges over time with interest, or pay your balance in full monthly
Cons
- You’ll pay a high annual fee
- No interest-free financing opportunities
- Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
- Return protection: American Express will refund you for eligible purchases when the store doesn’t 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 year.
- Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
- Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
- Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.
Intro APR
0% on purchases
Regular APR
18.49% - 27.49% Variable
Annual Fee
$375
Credit Needed
Excellent, Good
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
Pros
- Earn 4x points in two categories every month
- Pay eligible charges over time with interest, or pay your balance in full monthly
Cons
- You’ll pay a high annual fee
- No interest-free financing opportunities
- Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
- Return protection: American Express will refund you for eligible purchases when the store doesn’t 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 year.
- Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
- Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
- Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.
Why We Like It
Another option for business credit cards with high credit limits is those with no preset spending limits. With the American Express® Business Gold Card, your credit limit is flexible—the amount you can spend adapts based on your purchase, payment, and credit history. Also, you can earn premium rewards on the top two spending categories where your business spends the most, which is another unique feature this card offers.
Ongoing Rewards
- 4× Membership Rewards® points on the first $150,000 expenses from your top two spending categories, including the following:
- Purchases from US media providers for advertising in select media (online, TV, radio)
- Purchases from US electronic goods retailers and software and cloud system providers
- US restaurants, including takeout and delivery
- US gas stations
- Transit purchases, including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
- US wireless telephone services
- 1× Membership Rewards® points after the cap is met and on all other purchases
- 100,000 Membership Rewards® points after spending $15,000 in eligible purchases within the first three months from the date of account opening
- 0% APR on purchases for the first six months through its Pay Over Time feature
- $240 back annually for eligible US purchases at FedEx, Grubhub, and office supply stores. $20 in statement credits monthly. Enrollment required
- $12.95 credit per month for a Walmart+ membership
- $0 foreign transaction fees
Note that the card comes with an annual fee of $375.
card_name: Best for Earning Up to 5% Cash Back & Generous Welcome Offer
card_name
BEST FOR:
Businesses that want simple yet generous cash back
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn $4,000+ in bonuses: $2K when you spend $30K in the first 3 months and $2K for every $500K spent in the first year.
- Get 2% cash back on all business-related purchases without limits or category restrictions.
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Pros
- With welcome offer
- Offers unlimited 2% cash back on all purchases
Cons
- Charges annual fee
- Requires excellent credit to qualify
- Payment flexibility: Pick your preferred monthly due date to control when to pay your credit card bill.
- $0 fraud liability: You can get an emergency replacement and cash advance if your card is lost or stolen.
- Extended warranty: Get free additional warranty and protection on selected items purchased with your card
- Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing).
- Free employee cards and spend limits: Track employee spending while earning all rewards from their purchases and set customized spending limits for each card.
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn $4,000+ in bonuses: $2K when you spend $30K in the first 3 months and $2K for every $500K spent in the first year.
- Get 2% cash back on all business-related purchases without limits or category restrictions.
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Pros
- With welcome offer
- Offers unlimited 2% cash back on all purchases
Cons
- Charges annual fee
- Requires excellent credit to qualify
- Payment flexibility: Pick your preferred monthly due date to control when to pay your credit card bill.
- $0 fraud liability: You can get an emergency replacement and cash advance if your card is lost or stolen.
- Extended warranty: Get free additional warranty and protection on selected items purchased with your card
- Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing).
- Free employee cards and spend limits: Track employee spending while earning all rewards from their purchases and set customized spending limits for each card.
Why We Like It
The Capital One Spark Cash Plus has no preset spending limit and lets you earn up to 5% cash back on your regular purchases. On top of that, if you can spend at least $30,000 in purchases within the first three months, you’ll receive a one-time cash bonus of $2,000 as a welcome offer. Plus, you’ll also earn an additional $2,000 cash bonus for every $500K spent during the first year.
Ongoing Rewards
- 5% cash back on hotels and rental cars booked through Capital One Travel
- 2% cash back on all business-related purchases
- Waive your $150 annual fee each year after spending at least $150,000 Note that this will be reflected within two billing cycles from your rewards membership anniversary date.
- No preset spending limit—your credit limit adapts to your needs based on your spending behavior, payment history, credit profile, and other factors
Keep in mind that this is a pay-in-full card, which means you need to pay your entire balance each billing cycle to avoid paying a late payment fee of 2.99% of the unpaid portion of your minimum payment.
card_name: Best for Frequent Travelers Who Want Premium Rewards
card_name
BEST FOR:
Those who frequently travel
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn unlimited 2X miles on every purchase, everywhere-with no limits or category restrictions
- This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R). Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass
- This is a pay-in-full card, so your balance is due in full every month
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Pros
- Generous welcome offer
- $0 foreign transaction fees
- Receive up to $120 in statement credits toward Global Entry or TSA PreCheck®
- Unlimited complimentary access for you and two guests to over 1,300 airport lounges worldwide, including exclusive Capital One Lounges and the Partner Lounge Network
Cons
- Very high annual fee
- No introductory 0% APR period
- If you don’t pay off the balance in full, you will be charged a late fee of 2.99% on your outstanding statement balance
- Virtual Cards: Generate virtual card numbers to make secure payments online, keeping your physical card details private and simplifying expense tracking.
- Security Alerts: Receive real-time alerts via text, email, or phone if Capital One detects any suspicious activity on your account.
- Card Lock & $0 Liability for Unauthorized Charges: Instantly lock your card or an employee’s card if it’s misplaced, lost, or stolen. Plus, enjoy $0 liability protection for any unauthorized charges.
- Cell Phone Protection: Get reimbursed up to $600. Certain terms, conditions and exclusions apply.
- Customer Support with Eno: Capital One’s virtual assistant, Eno, monitors your accounts 24/7, sending alerts for any unusual activity and answering questions instantly to support your financial needs.
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn unlimited 2X miles on every purchase, everywhere-with no limits or category restrictions
- This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R). Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass
- This is a pay-in-full card, so your balance is due in full every month
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Pros
- Generous welcome offer
- $0 foreign transaction fees
- Receive up to $120 in statement credits toward Global Entry or TSA PreCheck®
- Unlimited complimentary access for you and two guests to over 1,300 airport lounges worldwide, including exclusive Capital One Lounges and the Partner Lounge Network
Cons
- Very high annual fee
- No introductory 0% APR period
- If you don’t pay off the balance in full, you will be charged a late fee of 2.99% on your outstanding statement balance
- Virtual Cards: Generate virtual card numbers to make secure payments online, keeping your physical card details private and simplifying expense tracking.
- Security Alerts: Receive real-time alerts via text, email, or phone if Capital One detects any suspicious activity on your account.
- Card Lock & $0 Liability for Unauthorized Charges: Instantly lock your card or an employee’s card if it’s misplaced, lost, or stolen. Plus, enjoy $0 liability protection for any unauthorized charges.
- Cell Phone Protection: Get reimbursed up to $600. Certain terms, conditions and exclusions apply.
- Customer Support with Eno: Capital One’s virtual assistant, Eno, monitors your accounts 24/7, sending alerts for any unusual activity and answering questions instantly to support your financial needs.
Why We Like It
If you travel frequently for business, you can benefit from the Capital One Venture X Business’s annual $300 credit for bookings through Capital One Travel—this is on top of the 5× to 10× miles per dollar you can earn on your purchases. What’s more, you’ll get a complimentary Priority Pass™ membership, which gives you and up to two guests unlimited free visits to more than 1,300 VIP lounges worldwide.
Ongoing Rewards
- 10× miles per dollar on hotels and rental cars and 5× miles per dollar on flights when you book through Capital One Travel
- 2×miles per dollar on all other purchases
- 150,000 bonus miles when you spend $30,000 in the first 3 months, which is equal to $1,500 in travel
- 10,000 bonus miles every year, starting on your first anniversary
- Flexible redemption options let you redeem miles on flights, hotels, vacation rentals, and more, with no restrictions or blackout dates
- Flexible spend capacity means the card has no preset spending limit—your credit limit adjusts based on your spending behavior, payment history, and credit profile
- Capital One Lounge unlimited complimentary visits, plus two complimentary guests per visit (pay $45 per additional guest)
- Up to a $100 statement credit on Global Entry or TSA PreCheck®
It’s worth noting that this is a pay-in-full card, so you need to pay off your entire balance every due date. Also, the card comes with an annual fee of $395.
Capital on Tap Business Credit Card: Best for Making Weekly Automatic Payments
Capital On Tap Business Credit Card Visa
BEST FOR:
Those who want fixed-rate cash back rewards
Intro APR
N/A
Regular APR
18.49% to 35.99% variable
Annual Fee
$0
Credit Needed
Fair, Average
- Unlimited 1.5% cash back on all purchases
- Boost cash back to 2% by switching to weekly AutoPay
Pros
- No annual, foreign transaction, and cash advance fees
- Low starting APR
- High credit limit available
Cons
- Balance transfers aren’t allowed
- Sole proprietors and nonprofit organizations are not eligible
- Unlimited, free cards for employees
- Instant, virtual card is available right after approval
- Credit limits up to $50,000
- Uncapped 1.5% cash back on every purchase
Intro APR
N/A
Regular APR
18.49% to 35.99% variable
Annual Fee
$0
Credit Needed
Fair, Average
- Unlimited 1.5% cash back on all purchases
- Boost cash back to 2% by switching to weekly AutoPay
Pros
- No annual, foreign transaction, and cash advance fees
- Low starting APR
- High credit limit available
Cons
- Balance transfers aren’t allowed
- Sole proprietors and nonprofit organizations are not eligible
- Unlimited, free cards for employees
- Instant, virtual card is available right after approval
- Credit limits up to $50,000
- Uncapped 1.5% cash back on every purchase
Why We Like It
With Capital on Tap Business Credit Card, you can earn a fixed-rate cash back of 1.5% on all purchases, regardless of spending categories. However, this could increase to 2% if you switch to weekly AutoPay. You can use your rewards to reduce your statement balance or buy gift cards. This card offers credit limits up to $50,000 (based on your creditworthiness).
Ongoing Rewards
- 1.5% cash back on all purchases (2% if you make a weekly automatic payment)
- $0 annual and foreign transaction fees
- Streamlined platform with smart controls and real-time visibility
- No negative impact on personal credit scores when you apply for the card
Note that while business owners with fair or average credit may qualify, your creditworthiness will be taken into consideration to be eligible for a high credit limit.
How We Selected the Best High-limit Business Credit Cards
Since business credit card issuers don’t typically disclose their highest limits, we selected cards with possible high credit limits based on their welcome offer spending requirements—unless the credit limit is specified. We also looked at rewards, fees, 0% introductory and ongoing APRs, and any other benefits.
- Charge cards: If you have a strong credit score and can pay your bill’s balance in full each billing cycle, you may qualify for a charge card with no preset spending limit. It’s essential to have sufficient cash on hand to make each payment because late payments result in high fees (higher than credit cards), and your credit score could suffer damage. We recommended three charge cards on this list.
- Business lines of credit: If you need short-term funding, business lines of credit allow you to use available funds, repay them, and use them again. You will also benefit from a fast application and approval process. For options, check out our roundup of the top small business lines of credit.
- Business loans: Many types of business loans cater to varying needs. How much you need, how much you can repay, and when you can pay are some important factors to consider when applying for a business loan. See our lists of the best easy business loans and leading fast business loans for our recommendations.
Frequently Asked Questions (FAQs)
When choosing the best high-limit business credit cards, consider factors like your personal credit score, what categories you usually spend on, and your preferred rewards. Also, check the perks and additional features the card offers and see if you need them—cards that come with more perks typically charge higher annual fees compared to those with basic features. Also, keep in mind that most credit card issuers don’t disclose the credit limit until after they have reviewed your application.
Various factors contribute to the approval for a high-limit card, including having a low credit utilization ratio (around 30%) and an exceptional credit score (800 or higher). However, a high credit score alone won’t guarantee that you’ll be approved for a high-limit card.
Other factors considered are your business’ income, length of credit history, existing debt, and payment history. In most cases, existing business relationships with the bank or card issuer will help you qualify for a high-limit credit card.
In general, business credit cards come with higher credit limits compared to personal credit cards. This is because card issuers consider both business revenue and personal income during the approval process. Typically, if your business revenue is higher than your personal income, you’ll most likely receive a higher credit limit on your business credit card.
Bottom Line
A high-limit business credit card is an easy way to finance large purchases for your business. Make sure to keep track of your monthly payment date to avoid late fees and other penalties. If you don’t get approved for a high-limit credit card, you may consider requesting a credit line increase for your existing business credit card after you have established a business relationship with the card issuer.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
