9 Best High Limit Business Credit Cards 2020

on The Business Platinum® Card from American Express's secure website.

The Business Platinum® Card from American Express

Welcome Offer: Earn up to 75,000 Membership Rewards® points.
Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases made on your Business Platinum Card® within your first 3 months of Card Membership.†
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.

Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when flight is booked on amextravel.com.
Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
Terms Apply

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	N/A	$595	Good, Excellent

on The Business Platinum® Card from American Express's secure website.

See Rates and Fees

The American Express Business Platinum Card® is the best high limit credit card for businesses with big travel budgets that can afford to put more than $8,000 a month on the card (to earn the bonus). Unlike other cards on this list, this is a business charge card that carries no APR, but you’ll have to pay the balance off in full each month. We rank this card as one of the best small business credit cards.

American Express Business Platinum Card® Costs

Credit limit: No preset spending 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

This travel rewards business credit 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.

Introductory Rewards

You’ll earn up 50,000 points after you spend your first $10,000 within the first three months. Plus, you’ll receive an extra 25,000 points after you spend an additional $10,000 within the first three months. These 75,000 bonus points can be worth up to $750 in travel. In comparison, you can earn a sign-up bonus worth $750 in travel through Chase Ink Business Preferred^SM. However, that card has a preset spending limit.

Ongoing Rewards

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 this American Express business credit 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.

American Express Business Platinum Card® Additional Features

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 once every four years or $85 statement credit for TSA Pre✓® once every 4½ 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.
Computer credits: Up to $200 in statement credits annually for Dell purchases.

While cards like 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 card reviews agree this card offers the most robust additional features.

What American Express Business Platinum Card® Is Missing

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.

Capital One® Spark® Miles for Business: Best for Fixed-rate Miles & Big Sign-up Bonus

on Capital One® Spark® Miles for Business's secure website.

Capital One® Spark® Miles for Business

Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more
Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account

Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
$0 intro annual fee for the first year; $95 after that

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	18.49% (Variable)	$0 intro for first year; $95 after that	Excellent, Good

on Capital One® Spark® Miles for Business's secure website.

Capital One® Spark® Miles for Business is best for businesses that want to earn unlimited 2x miles per $1 on all spending. You’ll also earn 5x miles on hotel and rental car bookings through Capital One Travel℠. It offers the largest miles-based sign-up bonus on our list. The ongoing APR is 18.49% variable.

Capital One® Spark® Miles for Business Costs

Introductory APR: None
Ongoing APR: 18.49% variable, which adjusts with the prime rate
Annual fee: $95, waived for the first year
Balance transfer fee: None

The waived annual fee during the first 12 months 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. Your Capital One small business card limit will be determined based on your credit score, debt-to-income ratio, and other factors at the time of application.

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 miles-based and the largest on our list.

Introductory Rewards

You’ll earn 50,000 miles—equal to $500 in travel—when you spend $5,000 in the first three months of account opening. Earn an additional 150,000 miles when you spend $50,000 within the first six months. That’s the most lucrative miles-based sign-up bonus on our list.

Ongoing Rewards

5x mile on hotels and rental car bookings through Capital One.
2x miles per $1 on every purchase.

The 5x reward category is similar to the 5x points you’d earn on travel spending with the American Express Business Platinum Card®; however, that card charges a $595 annual fee. Choose a business credit card that offers rewards for where you spend the most each month.

Capital One® Spark® Miles for Business Additional Features

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.

Capital One business card reviews indicate that 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.

What Capital One® Spark® Miles for Business Is Missing

Capital One® Spark® Miles for Business doesn’t offer a wide range of 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 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® Cash for Business: Best for Fixed-rate, Cash-back Rewards & Big Sign-up Bonus

on Capital One® Spark® Cash for Business's secure website.

Capital One® Spark® Cash for Business

Limited Time Offer: Earn up to $2,000 in cash bonuses
Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions

$0 annual fee for the first year; $95 after that
Free employee cards, which also earn unlimited 2% cash back on all purchases
$0 Fraud Liability if your card is lost or stolen
Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
No foreign transaction fees

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	18.49% (Variable)	$0 intro for first year; $95 after that	Excellent, Good

on Capital One® Spark® Cash for Business's secure website.

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. Plus, you can earn the largest cash-based sign-up bonus on our list. The ongoing APR is 18.49% variable.

Capital One® Spark® Cash for Business Costs

Introductory APR: None
Ongoing APR: 18.49% variable, which adjusts with the prime rate
Annual fee: $95, waived for the first year
Balance transfer fee: None

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. The Spark business credit card limit will be determined based on factors like your credit score and debt-to-income ratio at the time of application.

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. However, that card fares much worse in everyday spending, at 1x points.

Introductory Rewards

You’ll earn a one-time $500 cash bonus when you spend $5,000 on purchases within the first three months and earn $1,500 when you spend $50,000 in the first six months of your account opening. This is the largest cash-based introductory reward on our list.

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 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.

Capital One® Spark® Cash for Business Additional Features

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.

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

What Capital One® Spark® Cash for Business Is Missing

Other cards offer better rewards in specific expense categories, like 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.

Chase Ink Business Preferred^SM: Best for Maximizing Shipping & Travel Rewards

On Chase's secure website

Ink Business Preferred℠ Credit Card

Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem 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 - with no limit to the amount you can earn

Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
No foreign transaction fees
Employee cards at no additional cost
$95 Annual Fee

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	17.49% - 22.49% Variable	$95	Good to Excellent

On Chase's secure website

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 variable APR as low as 17.49%.

Chase Ink Business Preferred^SM Costs

Introductory APR: None
Ongoing APR: 17.49% to 22.49%, which adjusts with the prime rate
Annual fee: $95
Balance transfer fee: $5 or 5% of the transferred balance, whichever is greater

The $95 annual fee charged by Chase Ink Business Preferred^SM is similar to what 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.

Your Chase Ink Business Preferred^SM credit limit will be determined based on your credit score, debt-to-income ratio, and other factors at the time of application.

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. Plus, you can earn a sign-up bonus worth $1,000 when redeemed for travel.

Introductory Rewards

You’ll earn 80,000 Ultimate Rewards points when you spend $5,000 within the first three months. This is one of the best introductory offers on our list. The American Express Business Platinum Card® offers 75,000 bonus 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 Card offers higher rewards (4x) on travel, shipping, and advertising spending, but you’ll pay a higher annual fee of $295.

Chase Ink Business Preferred^SM Additional Features

Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
Purchase protection: Covers your new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account per year.
Extended warranty protection: Extends the time period of the U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less.
Cell phone protection: You and your employees named on the phone bill you pay for with your card are covered for up to $600 in theft or damages per claim; you are limited to three claims per 12-month period, with a $100 deductible per claim.
Trip cancellation 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 reviews indicated this card 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.

What Chase Ink Business Preferred^SM Is Missing

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 and gas spending, which are two bonus categories offered by the American Express® Business Gold Card.

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

on American Express® Business Gold Card's secure website.

American Express® Business Gold Card

Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month**
**4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*

AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.*
Access to the Working Capital Terms program: get additional funding beyond what you can spend on Business Gold with this flexible funding solution designed to pay U.S. based vendor invoices directly when cards are not accepted.*
*Terms Apply

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	15.74% - 23.74% Variable	$295	Good, Excellent

on American Express® Business Gold Card's secure website.

See Rates and Fees

The American Express® Business Gold Card is an ideal high limit credit card for businesses that budget to spend plenty of money in multiple spending categories. It pays 4x points on the two 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

Introductory APR: None
Regular APR: 15.74% to 23.74% variable, which adjusts with the prime rate
Annual fee: $295
Balance transfer fee: Transfers are not allowed

Like the American Express Business Platinum Card®, the American Express® Business Gold Card is a charge card, which means your American Express business card limit is not preset. 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.

American Express® Business Gold Card Rewards

The American Express® Business Gold Card offers lucrative ongoing rewards up to 4x points in the two categories where you spend the most. You can also earn an introductory reward of 35,000 bonus points.

Introductory Rewards

You’ll earn up to 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases within the first three months of card membership. If you’d like to earn a larger introductory reward, consider the American Express Business Platinum Card®. That card offers up to 75,000 bonus points when you spend $20,000 within the first three months.

Ongoing Rewards

4x points in the two categories where you spend the most each billing cycle, up to $150,000 in combined eligible purchases each calendar year:
- Airfare purchased directly from airlines;
- U.S. purchases for advertising in select media (online, TV, radio);
- U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions;
- U.S. purchases at gas stations;
- U.S. purchases at restaurants;
- U.S. purchases for shipping.
2x points on travel booked through AmexTravel.com.
1x points on all other eligible spending.

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 Chase Ink Business Preferred^SM in similar bonus categories.

American Express® Business Gold Card Additional Features

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 card reviews indicate this 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 and the free airport lounge access that the American Express Business Platinum Card® offers ($595 annual fee).

What American Express® Business Gold Card Is Missing

The American Express® Business Gold Card offers a smaller introductory bonus than other cards on our list that charge lower annual fees. For example, Chase Ink Business Preferred^SM card offers 80,000 Ultimate Rewards points and charges a $95 annual fee.

American Express Blue Business® Plus: Best for Carrying a Balance

on The Blue Business® Plus Credit Card from American Express's secure website.

The Blue Business® Plus Credit Card from American Express

Get rewarded for business as usual. Earn 2X Membership Rewards® 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.
Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.

You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
*The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.74%, 17.74% or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
Terms Apply

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% on purchases	14.74% - 20.74% Variable	No annual fee	Good, Excellent

on The Blue Business® Plus Credit Card from American Express's secure website.

See Rates and Fees

The American Express Blue Business® Plus is best for businesses that want free financing on purchases or balance transfers. It’s the only business credit card on our list with an introductory offer—an outstanding 0% APR on purchases and balance transfers for 12 months. The ongoing APR is as low as 14.74%.

American Express Blue Business® Plus Costs

Introductory APR: 0% for 12 months on purchases and balance transfers
Ongoing APR: 14.74% to 20.74%, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: $5 or 3% of the transferred balance, whichever is greater

The American Express Blue Business® Plus is the only card on our list that doesn’t charge an annual fee. It’s also the only card that offers a 0% introductory interest rate on purchases and balance transfers. Financing purchases for the first 12 months will be free as long as you pay the balance by the end of the introductory period.

American Express Blue Business® Plus Rewards

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

Introductory Rewards

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

Ongoing Rewards

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. 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.

American Express Blue Business® Plus Additional Features

Extended warranty: The issuer 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.

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

What American Express Blue Business® Plus Is Missing

American Express Blue Business® Plus doesn’t offer introductory rewards, while other cards on our list offer potentially huge sign-up bonuses. Capital One® Spark® Cash for Business, for instance, offers a one-time cash bonus of $2,000.

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 in categories like travel, cable services, and phone services.

Capital One® Venture®: Best High Limit Personal Credit Card

Capital One Venture personal credit cards for business use

On Capital One's Secure Website

Venture® Rewards from Capital One®

Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
Earn 2X miles on every purchase, every day
Receive up to $100 application fee credit for Global Entry or TSA Pre✓®

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	17.24% to 24.49% Variable	$95, waived first year	Good - Excellent

On Capital One's Secure Website

Capital One® Venture® is a fantastic personal credit card for businesses that use hotels frequently, as it pays 10x miles on all spending at Hotels.com through January 31, 2020. No other high limit credit card comes close to this rewards return. This 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. The ongoing APR is as low as 17.24% variable.

Capital One® Venture® Costs

Financing costs and fees on the Capital One® Venture® include:

Introductory APR: None
Ongoing APR: 17.24% to 24.49% 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 American Express Blue Business® 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

You’ll earn 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

2x miles on every purchase.
10x miles on hotel stays booked through hotels.com/venture; this offer is good through January 31, 2020.

The Capital One® Venture® card offers the best fixed-rate 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.

Capital One® Venture® Additional Features

Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer; 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 Chase Ink Business Preferred^SM, offer.

What Capital One® Venture® Is Missing

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®: Best High Limit Personal Credit Card for Travel Perks

On Chase's Secure Website

Chase Sapphire Reserve®

50,000 Bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Automatically receive up to $300 in statement credits as reimbursement for travel purchases charged to your card each account anniversary year
3x Points on Travel and Dining

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	18.49% to 25.49% Variable	$450	Good - Excellent

On Chase's Secure Website

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

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 18.49%.

Chase Sapphire Reserve® Costs

Introductory APR: None
Ongoing APR: 18.49% to 25.49%, 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 is the American Express Business Platinum Card®. That 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 points on all restaurants.

The average credit limit on Chase Sapphire Reserve® will likely increase with higher credit scores. Your credit limit will be determined based on your credit score, your debt-to-income ratio, and other factors.

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

You’ll earn 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).

Ongoing Rewards

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

Chase Sapphire Reserve® has a lower return on travel spending than 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.

Chase Sapphire Reserve® Additional Features

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.

What Chase Sapphire Reserve® Is Missing

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.

Chase Sapphire Preferred®: Best High Limit Personal Card With a Low Annual Fee

On Chase's Secure Website

Chase Sapphire Prefferred®

60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards.
Earn 2X points on travel and dining at restaurants- from airfare and hotels to fine dining and cafés.

Plus, earn 1 point per dollar spent on all other purchases.

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	17.49% to 24.49% Variable	$95	Good - Excellent