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The best high-limit business credit cards allow businesses with costly and high-volume expenses to earn substantial rewards with reasonable ongoing annual percentage rates (APRs). To find the best fit for your business, consider if you need a card with a preset spending limit and if you’d benefit more from cash back or points rewards. Our recommendations include charge cards and a secured credit card for business owners who cannot qualify for regular business credit cards.
See our top nine high-limit business credit cards:
- American Express Business Platinum Card: Overall best high-limit business credit card with luxury travel perks and Pay Over Time feature
- American Express Blue Business Plus: Best for flexible credit limit with a $0 annual fee
- First National Bank of Omaha Business Edition Secured Visa Card: Best secured card for business owners rebuilding their credit
- card_name: Best for high introductory bonus and premium rewards on online advertising
- 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
- card_name: Best charge card with fixed-rate cash back and flexible credit limit
- Capital on Tap Business Credit Card: Best for earning fixed-rate rewards with lenient credit requirements
- card_name: Best for frequent travelers who want premium rewards
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 | Welcome Offer | ||
|---|---|---|---|---|---|
 American Express Business Platinum Card | Overall best with luxury travel perks and Pay Over Time feature | $695 | Up to 5x points | ||
 American Express Blue Business Plus | Flexible credit limit with a $0 annual fee | $0 | Up to 2x points | ||
 First National Bank of Omaha Business Edition Secured Visa Card | Business owners rebuilding their credit | $39 | None | ||
card_name | High introductory bonus and premium rewards on online advertising | annual_fees | Up to 5x 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 4x points | ||
card_name | Fixed-rate cash back and flexible credit limit | annual_fees | Up to 5% cash back | bonus_miles | |
 Capital On Tap Business Credit Card Visa | Earning fixed-rate rewards with lenient credit requirements | $0 | 1.5% cash back | $200 cash back | |
card_name | Frequent travelers who want premium rewards | annual_fees | Up to 10x miles |
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.
American Express Business Platinum Card®: Overall Best High-limit Business Credit Card With 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
18.99% - 27.99% Variable
Annual Fee
$695
Credit Needed
Excellent, Good
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on 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.
- 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. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $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®.
- 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 03/2023.
- $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.
- Airport screening: Either a $100 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 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
Intro APR
N/A
Regular APR
18.99% - 27.99% Variable
Annual Fee
$695
Credit Needed
Excellent, Good
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on 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.
- 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. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $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®.
- 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 03/2023.
- $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.
- Airport screening: Either a $100 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 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
Who Should Consider the American Express Business Platinum Card®
Our chosen best high-limit business credit card comes with stacked travel perks. These include access to over 1,400 airport lounges via The Global Lounge Collection, instant upgrade status to Marriott Bonvoy and Hilton Honors, and coverage for your purchases and trips.
It also offers rewards points, which you can use to either redeem as a statement credit or use at checkout to pay for purchases made with American Express Travel, Amazon.com, Ticketmaster, Best Buy, and other retailers. These are why it is our top business card with airport lounge access and one of our best business cards for travel.
Rewards:
- 5x Membership Rewards® points on flights and prepaid hotels booked on amextravel.com
- 1.5x Membership Rewards® points on the first $2 million in eligible purchases from the following key business categories:
- United States construction material and hardware supplies
- US electronic goods retailers
- Software and cloud system providers
- US shipping
Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 1x Membership Rewards® points on all other eligible purchases
Other benefits:
- Earn 150,000 Membership Rewards® points after spending $20,000 on eligible purchases within the first three months from the date of account opening
- Get statement credit on the following brands:
- Up to $400 back (up to $200 semi-annually) on US purchases with Dell Technologies
- Up to $360 back (up to $90 quarterly) on purchases with Indeed
- Up to $150 back on selected auto-renewing annual business subscriptions with Adobe
- Up to $120 back per year on U.S. wireless telephone service providers
- Receive a statement credit after applying for either Global Entry or TSA PreCheck®
Take note of the following considerations:
- It does not offer a 0% introductory period on purchases and balance transfers.
- It lets you enjoy $0 foreign transaction fees.
- It charges a high annual fee.
- It requires you to pay your balances in full each month.
American Express Blue Business® Plus: Best for Flexible Credit Limit With a $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
17.99% - 25.99% 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, 17.99% - 25.99%, 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 and balance transfer
- 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.
Intro APR
0% on purchases
Regular APR
17.99% - 25.99% 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, 17.99% - 25.99%, 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 and balance transfer
- 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.
Who Should Consider the American Express Blue Business® Plus
A card that charges $0 annual fees, has a 0% introductory period on purchases, and offers Expanded Buying Power are features enticing to business owners—and this card offers all that. Note that Expanded Buying Power will apply based on your card usage, payment history, credit score, financial resources, and other factors.
Rewards:
- 2x Membership Rewards® points on the first $50,000 in eligible purchases, then 1x Membership Rewards® points after the cap is met
Other benefits:
- Secure 15,000 Membership Rewards® points after spending $3,000 in purchases within the first three months from the date of account opening
- Issue employee cards at no additional cost
- Enjoy a 0% introductory period on purchases for the first 12 billing cycles
Take note of the following considerations:
- It does not offer a 0% introductory period on balance transfers.
- It charges foreign transaction fees.
First National Bank of Omaha Business Edition® Secured® Visa Card: Best Secured Card for Business Owners Rebuilding Their Credit
First National Bank of Omaha Business Edition® Secured Mastercard® Card
BEST FOR:
Secured credit lines of as much as $100,000
Intro APR
None
Regular APR
APR: 25.99% variable
Annual Fee
$39
Credit Needed
Very Poor to Good
- While FNBO does not offer any rewards for their new and existing cardholders for this card, you can still earn rewards through Mastercard Easy Savings®, where cardholders are able to save on purchases with automatic rebates from over 40,000 participating merchant locations available.
Pros
- Available for those with very poor to good scores
- Can set credit limits from $2,000 to $100,000
- Offers free management reports
Cons
- With annual fee
- Charges foreign transaction fee
- No introductory and ongoing rewards
- Requires a security deposit of 110% of the credit limit required
- TurboTax discount: Get a discount of up to $20 on TurboTax federal products when using First National Bank of Omaha Business Edition® Secured Mastercard®.
- QuickBooks Online or QuickBooks Self-Employed discount: Receive either a 30% off of a 12-month subscription on QuickBooks Online (Simple Start, Essentials, Plus, or Advanced) or a 30% off of a 12-month subscription on QuickBooks Self-Employed. This is applicable only to new QuickBooks Online customers.
- Free management reports: First National Bank of Omaha provides free management reports to help track expenses, monitor spending, note tax deductions, prepare tax filings, and predict costs easily.
- Zero liability: FNBO guarantees that you won’t be held responsible for any fraudulent charges made with both your card and account information.
Intro APR
None
Regular APR
APR: 25.99% variable
Annual Fee
$39
Credit Needed
Very Poor to Good
- While FNBO does not offer any rewards for their new and existing cardholders for this card, you can still earn rewards through Mastercard Easy Savings®, where cardholders are able to save on purchases with automatic rebates from over 40,000 participating merchant locations available.
Pros
- Available for those with very poor to good scores
- Can set credit limits from $2,000 to $100,000
- Offers free management reports
Cons
- With annual fee
- Charges foreign transaction fee
- No introductory and ongoing rewards
- Requires a security deposit of 110% of the credit limit required
- TurboTax discount: Get a discount of up to $20 on TurboTax federal products when using First National Bank of Omaha Business Edition® Secured Mastercard®.
- QuickBooks Online or QuickBooks Self-Employed discount: Receive either a 30% off of a 12-month subscription on QuickBooks Online (Simple Start, Essentials, Plus, or Advanced) or a 30% off of a 12-month subscription on QuickBooks Self-Employed. This is applicable only to new QuickBooks Online customers.
- Free management reports: First National Bank of Omaha provides free management reports to help track expenses, monitor spending, note tax deductions, prepare tax filings, and predict costs easily.
- Zero liability: FNBO guarantees that you won’t be held responsible for any fraudulent charges made with both your card and account information.
Who Should Consider the First National Bank of Omaha Business Edition® Secured® Visa Card
While this is the only secured business credit card in our guide, it offers one of the highest credit limits after making a security deposit of 110% of your desired limit. It also offers a fixed regular APR and coverage on your purchases. Despite not offering rewards, it has a high credit limit, which is what landed it a spot in our lists of the leading secured business cards and best instant approval business cards.
Other benefits:
- Build up your business credit as it only requires at least very poor credit standing to qualify
- Guarantees that you won’t be held responsible for any unauthorized charge made with your card through FNBO’s zero liability
- Save on purchases with automatic rebates offered by Mastercard Easy Savings
Take note of the following considerations:
- It charges annual and foreign transaction fees.
- It does not offer rewards.
- It requires a security deposit of 110% of your desired credit limit.
card_name: Best for High Introductory Bonus & Premium Rewards on Online Advertising
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
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
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
Who Should Consider the card_name
Those with significant spending on advertising and other selected spending categories may want to look into this card as it offers premium points rewards when using it for purchases. It also boasts a high welcome offer after meeting spending requirements and charges $0 foreign transaction fees. It’s no surprise that this is also our top recommended business credit card for travel and one of our best credit cards for new businesses with no credit history.
Rewards:
- 5x points on Lyft rides until March 2025
- 3x points on the first $150,000 combined purchases on the following categories:
- Shipping
- Advertising purchases made with social media sites and search engines
- Internet, cable, and phone services
- Travel
- 1x points on all other purchases
Other benefits:
- bonus_miles_full
- Redeem earned points rewards for cash back, gift cards, and travel experiences through Chase Ultimate Rewards
- Issue employee cards at no additional cost
Take note of the following considerations:
- It does not offer a 0% introductory period on purchases and balance transfers.
- It charges an annual fee.
- It does not offer premium points rewards on other spending categories not listed above.
Ramp Credit Card: Best Corporate Card With No Personal Credit Check and 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
- Offers direct integrations to notable accounting tasks
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
- Offers direct integrations to notable accounting tasks
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.
Who Should Consider the Ramp Credit Card
Consider this corporate charge card if you have at least $50,000 in a US business bank account and do not need a personal guarantee. Aside from the fixed-rate cash back rewards, you can receive partner rebates of up to $350,000. This card made it to our lists of the best credit cards for nonprofits and leading business cards with no annual fee.
Rewards:
- Up to 1.5% cash back on all purchases
Other benefits:
- Secure unlimited physical and virtual cards at no additional costs
- Set controls, block merchants, and monitor business spending through Ramp’s seamless platform
- Receive approval without a soft or hard credit pull on your personal credit score
Take note of the following considerations:
- It requires you to pay your balances in full each month.
- Ramp is unavailable to sole proprietors and unincorporated businesses.
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
18.99% - 27.99% 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 18.99% to 27.99% 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 now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. 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
18.99% - 27.99% 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 18.99% to 27.99% 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 now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. 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.
Who Should Consider the American Express® Business Gold Card
Earning premium points rewards on your top two business spending categories may be a feature that you are looking for in a card—and this card offers just that. It also has no preset spending limit, which makes your credit limit flexible and will be based on your purchase, payment, and credit history. This is why it is also one of our leading credit cards for real estate agents.
Rewards:
- 4x Membership Rewards® points on the first $150,000 spending from your top two spending categories. Nominated categories include:
- US social media and advertising
- US restaurants, including takeout and delivery
- US gas stations
- Transit purchases, including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
- Monthly wireless telephone service charges
- 1x Membership Rewards® points after the cap is met
Other benefits:
- Secure 100,000 Membership Rewards® points after spending $15,000 in eligible purchases within the first three months from the date of account opening
- Receive up to $395 in business value from the following:
- $240 back for eligible US purchases at FedEx, Grubhub, and office supply stores
- $12.95 (plus applicable taxes on one membership fee) each month after applying for a Walmart+ membership
- Offers a Pay Over Time feature—letting you pay eligible purchases over time with interest
Take note of the following considerations:
- It only has 0% introductory period on purchases that qualify for Pay Over Time.
- It charges a high annual fee.
card_name: Best Charge Card With Fixed-rate Cash Back & Flexible Credit Limit
card_name
BEST FOR:
Businesses that want simple yet generous cash back
Intro APR
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Regular APR
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Credit Needed
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- Earn a one-time $750 cash bonus once you spend $7,500 on purchases within the first 3 months from account opening
- 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
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Credit Needed
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- Earn a one-time $750 cash bonus once you spend $7,500 on purchases within the first 3 months from account opening
- 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.
Who Should Consider the card_name
Those who can pay their balances in full each month and want great purchasing power through flexible spend capacity would want this excellent card. Aside from letting you earn unlimited cash back on all business-related purchases with no limits or category restrictions, it offers premium cash back if you book your hotels and rental cars through Capital One Travel.
Rewards:
- 5% cash back on hotels and rental cars booked through Capital One Travel
- Unlimited 2% cash back on all business-related purchases
Other benefits:
- bonus_miles_full
- 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.
- Offers no preset spending limit that can adapt to your business needs
Take note of the following considerations:
- It requires an excellent credit score when applying for the card.
- It does not offer a 0% introductory period on purchases and balance transfers.
- It requires you to make a significant purchase to get the welcome offer.
Capital on Tap Business Credit Card: Best for Earning Fixed-rate Rewards With Lenient Credit Requirements
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
Who Should Consider the Capital On Tap Business Credit Card
If your business has at least $2,500 in monthly revenue, you’ll have a higher chance of getting this card. Aside from offering unlimited cash back rewards, it lets you issue employee cards at no additional cost. These are why it is one of our best small business credit cards.
Rewards:
- Unlimited 1.5% cash back on all purchases
Other benefits:
- Secure $200 cash back after spending $15,000 in purchases within the first three months from the date of account opening
- Receive a maximum credit limit of $50,000
- Apply for the card without impacting your personal credit score
Take note of the following considerations:
- It does not allow balance transfers.
- Sole proprietors and nonprofit organizations are ineligible to apply for the card.
- It requires a high spending limit within a short period to qualify for the welcome offer.
card_name: Best for Frequent Travelers Who Want Premium Rewards
card_name
BEST FOR:
Those who frequently travel
Intro APR
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Regular APR
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Credit Needed
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- 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
- With sign-up bonus
- Has premium rewards if you book your hotel stays and rental cars through Capital One Travel
- Flexible redemption options
Cons
- Requires you to pay your balances in full each month
- Charges $395 annual fee
- No preset spending limit: Able to adapt to your needs based on spending behavior, payment history, and credit profile
- Annual travel credit: Receive an annual $300 credit for bookings through Capital One Travel
- Priority Pass™: Get a complimentary membership and enjoy unlimited free visits for you and up to 2 guests
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
- With sign-up bonus
- Has premium rewards if you book your hotel stays and rental cars through Capital One Travel
- Flexible redemption options
Cons
- Requires you to pay your balances in full each month
- Charges $395 annual fee
- No preset spending limit: Able to adapt to your needs based on spending behavior, payment history, and credit profile
- Annual travel credit: Receive an annual $300 credit for bookings through Capital One Travel
- Priority Pass™: Get a complimentary membership and enjoy unlimited free visits for you and up to 2 guests
Who Should Consider the card_name
Business owners who travel frequently and want access to various airport lounges may want to consider this card. Despite charging a high annual fee, it offers premium rewards and features. These are why it’s one of our top-recommended business cards for travel.
Reward:
- 10x miles on hotels and rental cars booked through Capital One Travel
- 5x miles on flights booked through Capital One Travel
- 2x miles for every dollar spent on all purchases
Other benefits:
- bonus_miles_full
- Receive a $300 annual travel credit after booking through Capital One Travel
- Redeem earned miles for flights, hotels, vacation rentals, and more—with no restrictions or blackout dates
Take note of the following considerations:
- It requires you to pay in full each month.
- It does not offer a 0% introductory period on purchases and balance transfers.
- It charges a high annual fee.
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 bonus spending requirements—unless the credit limit is specified. We also looked at rewards, fees, 0% introductory and ongoing APRs, and any other benefits.
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.
- 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.
The Capital One Spark Cash Plus on our list is a charge card. For additional options, check out our The Plum Card® From American Express review and American Express Business Green Rewards Card review. - 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.
Bottom Line
A high-limit business credit card is an easy way to finance large purchases for your business, but ensure you 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.
