9 Best High-limit Business Credit Cards of 2023
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Benilyn has over a decade of experience as a banking officer. Her expertise is featured throughout Fit Small Business in personal finance, credit card, and real estate investing content.
This article is part of a larger series on Best Small Business Credit Cards.
Editor’s note: This is a recurring post with regularly updated card details.
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 one that fits the bill, consider if you need a card with a preset spending limit and if you’d benefit more from cash back or points rewards. In this list, we included a charge card and a secured credit card for business owners who cannot qualify for regular business credit cards.
Here are the nine best business credit cards with high credit limits:
- Chase Ink Business Preferred: Best overall high-limit business credit card
- American Express Blue Business Plus: Best for flexible credit limit with no annual fee
- First National Bank of Omaha Business Edition Secured Visa Card: Best secured card for business owners rebuilding their credit
- Capital One Spark Cash Plus: Best charge card with fixed-rate cash back & flexible credit limit
- Wells Fargo Business Elite Signature Card: Best for monthly bonus points
- Chase Ink Business Cash: Best for cash back on office supplies and internet expenses
- American Express Business Platinum Card: Best for luxury international travels
- American Express Business Gold Card: Best for earning rewards where you spend the most
- Amazon Business Prime American Express Card: Best for frequent Amazon shoppers
Best High-limit Business Credit Cards At a Glance
Best For | Annual Fee | Credit Needed | Welcome Bonus | ||
|---|---|---|---|---|---|
 Chase Ink Business Preferred | Best overall high-limit business credit card | $95 | Good to Excellent | 100,000 points after spending $15,000 in the first three months | |
 American Express Blue Business Plus | Flexible credit limit with no annual fee | $0 | Good to Excellent | 15,000 points after spending $3,000 in the first three months | |
 First National Bank of Omaha Business Edition Secured Visa Card | Business owners who need to build or improve their credit and can make a security deposit | $39 | N/A | No rewards | |
 Capital One Spark Cash Plus | Fixed-rate cash back and flexible credit limit | $150 | Excellent | Up to $1,000 bonus: $500 after spending $5,000 in the first three months and another $500 when you spend $50,000 in the first six months | |
 Wells Fargo Business Elite Signature Card | Earning monthly bonus points | $125 | Excellent | $1,000 cash back bonus or 100,000 bonus points when you spend $25,000 in the first three months | |
 Chase Ink Business Cash | Earning cash back on office supplies and internet expenses | $0 | Good to Excellent | $750 cash back when you spend $6,000 in the first three months | |
 American Express Business Platinum Card | Luxury international travels | $695 | Good to Excellent | 120,000 points after spending $15,000 in the first three months | |
 American Express Business Gold Card | Earning rewards where you spend the most | $295 | Good to Excellent | 70,000 points after spending $10,000 within three months | |
 Amazon Business Prime American Express Card | Frequent Amazon shoppers | $0 | Good to Excellent | $125 Amazon.com gift card upon approval with an eligible Prime membership |
To see how these cards stack up against others we reviewed on our site, simply click Add to Compare on a card below and choose up to two additional cards for comparison.
Chase Ink Business Preferred®: Best Overall High-limit Business Credit Card
Ink Business Preferred® Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Maximizing travel rewards at a lower annual fee
Intro APR
N/A
Regular APR
20.74% - 25.74% Variable
Annual Fee
$95
Credit Needed
- Earn 100k bonus points after you spend $15,000 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
- No 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 sign-up bonus
- 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
N/A
Regular APR
20.74% - 25.74% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
- Earn 100k bonus points after you spend $15,000 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
- No 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 sign-up bonus
- 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 Chase Ink Business Preferred® card is our best high-limit business credit card, thanks to its big introductory bonus and rich rewards for travel and other spending categories. Spend $15,000 during the first three months of card ownership, and get 100,000 bonus points, which is equivalent to $1,000 cash back.
You can also earn 3x points per dollar spent on social media and search engine advertising, travel, shipping, internet, cable, and phone services (up to $150,000 in total combined purchases each account anniversary year). Then, earn 1x point per dollar when the cap is met and on all other business purchases. You can redeem rewards for cash back, gift cards, travel, and merchandise through Chase Ultimate Rewards®.
Enjoy earning unlimited rewards for a low annual fee: The card comes with a low annual fee of $95, which is a great way to save on costs. Due to its generous rewards, it’s also named one of our best business credit cards for real estate agents.
American Express Blue Business® Plus: Best for Flexible Credit Limit With No Annual Fee
The Blue Business® Plus Credit Card from American Express
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Pocketing 2x points per $1 and 0% introductory APR for 12 months
Intro APR
0% on purchases
Regular APR
18.24% - 26.24% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- 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.
- 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.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *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 for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
Pros
- No annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- 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
18.24% - 26.24% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- 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.
- 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.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *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 for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
Pros
- No annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- 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.
Why we like it: Two of the best things about American Express Blue Business® Plus are that it charges no annual fee and features Expanded Buying Power, which allows you to spend over your credit limit when needed. The amount you can spend adjusts based on your card usage, payment history, credit score, and financial resources.
It also offers generous rewards—you can earn 2x points on all purchases up to $50,000 per calendar year, then 1x point after the cap is met. If you spend $3,000 on purchases within three months of card ownership, you’ll receive 15,000 bonus points. The card also has interest-free financing on purchases for 12 months from the date of account opening.
Consider this card if you’re a new business with no business credit history: It’s one of our leading business credit cards for startups.
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
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Secured credit lines of as much as $100,000
Intro APR
None
Regular APR
25.49% 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 between $2,000 and $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
25.49% 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 between $2,000 and $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.
Why we like it: If you need to repair or rebuild your credit, then a secured credit card can help. With the First National Bank of Omaha Business Edition® Secured® Visa Card, you can request your own credit limit of anywhere from $2,000 to $100,000, but this is subject to approval.
To qualify, you’ll need a savings account with a security deposit, which is equivalent to 110% of your credit limit. For example, if you want a credit limit of $100,000, you’ll need to make a security deposit of at least $110,000.
Earn interest on your security deposit: While this card has a $39 annual fee and offers no rewards, you can earn interest on the deposit if you maintain a minimum of $2,200 in your savings account. Due to its high credit limit option and low annual fee, it’s named one of our best business credit cards for bad credit and leading secured business credit cards.
Capital One® Spark Cash Plus: Best Charge Card With Fixed-rate Cash Back & Flexible Credit Limit
Capital One® Spark® Cash Plus Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Businesses that want purchasing power and can pay their balances in full every month
Intro APR
None, as all charges that will be made on this account are due and payable in full after receiving your periodic statement.
Regular APR
None, as all charges that will be made on this account are due and payable in full after receiving your periodic statement.
Annual Fee
$150
Credit Needed
Excellent
- Earn up to $1,000 in the first six months after opening an account—$500 after you spend $5,000 in the first three months and $500 after you spend $50,000 in the first six months.
- 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.
- You can earn a $200 cash bonus each year after spending a minimum of $200,000 in net purchases by your rewards membership anniversary.
Pros
- Does not have preset spending limits
- With introductory bonus
- Offers unlimited 2% cash back on all purchases
Cons
- Charges annual fee
- Requires you to pay in full each month
- 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
None, as all charges that will be made on this account are due and payable in full after receiving your periodic statement.
Regular APR
None, as all charges that will be made on this account are due and payable in full after receiving your periodic statement.
Annual Fee
$150
Credit Needed
Excellent
- Earn up to $1,000 in the first six months after opening an account—$500 after you spend $5,000 in the first three months and $500 after you spend $50,000 in the first six months.
- 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.
- You can earn a $200 cash bonus each year after spending a minimum of $200,000 in net purchases by your rewards membership anniversary.
Pros
- Does not have preset spending limits
- With introductory bonus
- Offers unlimited 2% cash back on all purchases
Cons
- Charges annual fee
- Requires you to pay in full each month
- 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 is a pay-in-full card that offers unlimited 2% cash back on all business-related purchases. If you book hotel stays and rental cars through Capital One Travel, you’ll earn unlimited 5% cash back. Plus, it doesn’t have a preset spending limit—your credit limit adapts to your needs based on your spending behavior, credit profile, and payment history.
You can earn up to $1,000 in the first six months of card ownership: $500 when you spend $5,000 in the first three months and another $500 after you spend $50,000 in the first six months. In addition, you can get an annual $200 cash bonus each year you spend $200,000 or more. Keep in mind that it comes with an annual fee of $150.
You have to pay your balance in full each month: This card is a charge card and not a regular business credit card. There’s no APR because your full balance is due every month. Else, you’ll be charged a monthly late fee of 2.99%. If you have an excellent credit score, you may get approved for this card instantly. It’s one of our top-recommended instant approval business cards because of its generous introductory bonus and ongoing rewards.
Wells Fargo Business Elite Signature Card®: Best for Monthly Bonus Points
Wells Fargo Business Elite SignatureCard®
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Businesses with over $1 million in annual sales
Intro APR
N/A
Regular APR
Prime + 3.99% on purchases
Annual Fee
$125 annual fee, waived the first year
Credit Needed
Excellent
- Get a one-time $1,000 cash back bonus or 100,000 bonus points when you enroll in the Business Elite Card Rewards Program and spend $15,000 in the first three months of account open date; $75 annual rewards program fee waived for the first year
- Earn 1.5% cash back on every $1 spent
- Earn 1 point on every $1 spent and receive 5,000 bonus points when your company spend is $10,000 or more in any monthly billing period
- No foreign transaction fee
- Up to 200 employee cards
- Bill payment options
- Online Business reporting tool
- $0 additional card fee
Pros
- Low ongoing APR
- Up to 200 free employee cards
- Spending controls
Cons
- No introductory APR
- Offers no bonus category rewards
- Cannot apply online
- Spending controls: Set transaction limits, time limits, and spending category restrictions on any employee card.
- Business Elite online reporting: Review and track business analytics and spending habits conveniently.
- Auto rental collision damage waiver: Receive coverage for stolen or damaged rental vehicles, when you waive the rental car merchant’s insurance, up to the cash value of the vehicle.
- Purchase security: Get items repaired or replaced that were damaged or stolen within 90 days of purchase, or get reimbursed for the value of the item, up to $10,000 per claim and $50,000 per year.
- Extended warranty protection: Visa will double the length of warranty protection offered by the manufacturer, up to one year, for warranties of three years or less.
- Travel and emergency assistance: The cardholders, their spouse, and dependents get free access to emergency, medical, travel, and legal assistance 24 hours a day.
Intro APR
N/A
Regular APR
Prime + 3.99% on purchases
Annual Fee
$125 annual fee, waived the first year
Credit Needed
Excellent
- Get a one-time $1,000 cash back bonus or 100,000 bonus points when you enroll in the Business Elite Card Rewards Program and spend $15,000 in the first three months of account open date; $75 annual rewards program fee waived for the first year
- Earn 1.5% cash back on every $1 spent
- Earn 1 point on every $1 spent and receive 5,000 bonus points when your company spend is $10,000 or more in any monthly billing period
- No foreign transaction fee
- Up to 200 employee cards
- Bill payment options
- Online Business reporting tool
- $0 additional card fee
Pros
- Low ongoing APR
- Up to 200 free employee cards
- Spending controls
Cons
- No introductory APR
- Offers no bonus category rewards
- Cannot apply online
- Spending controls: Set transaction limits, time limits, and spending category restrictions on any employee card.
- Business Elite online reporting: Review and track business analytics and spending habits conveniently.
- Auto rental collision damage waiver: Receive coverage for stolen or damaged rental vehicles, when you waive the rental car merchant’s insurance, up to the cash value of the vehicle.
- Purchase security: Get items repaired or replaced that were damaged or stolen within 90 days of purchase, or get reimbursed for the value of the item, up to $10,000 per claim and $50,000 per year.
- Extended warranty protection: Visa will double the length of warranty protection offered by the manufacturer, up to one year, for warranties of three years or less.
- Travel and emergency assistance: The cardholders, their spouse, and dependents get free access to emergency, medical, travel, and legal assistance 24 hours a day.
Why we like it: The Wells Fargo Business Elite Signature Card® allows you to choose your rewards option—earn either 1.5% cash back or 1x point per dollar on qualifying purchases. If you choose to earn points, then you get 5,000 bonus points when your company spends at least $10,000 in qualifying purchases in a month. As a welcome bonus, you’ll receive either a $1,000 cash back or 100,000 points when you spend $25,000 in the first three months after opening an account.
It’s also good for business owners who travel frequently because it doesn’t charge foreign transaction fees and has a travel incidental fee reimbursement of up to $100 per calendar year. It comes with an annual fee of $125, which is waived for the first year, and you can get 200 employee cards at no additional cost. To qualify, your business should have annual sales of over $1 million.
Using this card won’t affect your personal credit score: Wells Fargo doesn’t report your transactions to personal credit bureaus, making it a great option if you don’t want your business transactions to impact your personal credit score. Check out our guide to the best business credit card options that don’t report to personal credit bureaus for more options.
Chase Ink Business Cash: Best for Cash Back on Office Supplies & Internet Expenses
Ink Business Cash® Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Office-based businesses that want top cash back rewards
Intro APR
0% Intro APR on Purchases
Regular APR
16.24% - 22.24% Variable
Annual Fee
$0
Credit Needed
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash sign-up bonus
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- 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 United States 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 US manufacturer’s warranty by an additional year on eligible warranties of three years or less.
Intro APR
0% Intro APR on Purchases
Regular APR
16.24% - 22.24% Variable
Annual Fee
$0
Credit Needed
Good, Excellent
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash sign-up bonus
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- 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 United States 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 US manufacturer’s warranty by an additional year on eligible warranties of three years or less.
Why we like it: When you need fast financing to set up your office, the Chase Ink Business Cash® card offers 5% cash back on the first $25,000 spent on office supplies, internet, cable, and phone services every account anniversary. You can also earn 2% cash back on the first $25,000 at gas stations and restaurants and 1% on everything else, with no limit to the cash back you can earn. Your cash back rewards don’t expire, as long as your account is open and in good standing.
As an introductory bonus, you’ll receive $750 cash back after spending $6,000 in the first three months of card ownership. You can redeem your rewards for cash back, gift cards, travel, and merchandise through Chase Ultimate Rewards®. What’s more, you can take advantage of the 0% introductory APR for the first 12 months after opening an account.
Earn unlimited rewards while saving on overall credit costs: Chase Ink Business Cash® card has no annual fee, and you can add employee cards at no additional cost. These rewards and perks are a few of the reasons why it’s one of our top-recommended cash back business credit cards.
American Express Business Platinum Card®: Best for Luxury International Travels
The Business Platinum Card® from American Express
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
Intro APR
N/A
Regular APR
19.24% - 27.24% Variable
Annual Fee
$695
Credit Needed
Good, Excellent
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- Get 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 eligible purchases 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 everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
- $189 CLEAR® Plus Credit: Use your Card and get up to $189 back per year on your CLEAR® Plus membership. CLEAR® lanes are available at 100+ airports, stadiums, and entertainment venues.
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
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 1,300 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.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- 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
19.24% - 27.24% Variable
Annual Fee
$695
Credit Needed
Good, Excellent
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- Get 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 eligible purchases 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 everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
- $189 CLEAR® Plus Credit: Use your Card and get up to $189 back per year on your CLEAR® Plus membership. CLEAR® lanes are available at 100+ airports, stadiums, and entertainment venues.
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
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 1,300 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.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- 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.
Why we like it: If you fly internationally for business often, the American Express Business Platinum Card® provides free access to over 1,400 lounges in around 140 countries, making it our leading business credit card with airport lounge access. This is an excellent choice if you prefer the luxury travel experience, which justifies the high annual fee of $695.
You’ll also enjoy the following travel perks:
- No foreign transaction fees
- $200 airline fee credit per calendar year for baggage fees and other eligible incidental expenses with an eligible airline
- Annual statement credits for CLEAR® Plus membership, Global Entry, or TSA PreCheck®
- 35% points back when redeemed for flights through Amex Travel (up to 1 million points back per calendar year)
- Automatic upgrade to Marriott BonvoyTM Gold Elite Status and Hilton Honors Gold Status
The above-mentioned travel benefits are a few of the reasons why it’s also named one of the top-ranking business credit cards for travel. Plus, you’ll earn lucrative rewards, including 5x points on flights and hotel stays, 1.5x points on select business categories, and 1x points on all other purchases. If you spend at least $15,000 on eligible purchases within the first three months, then you’ll receive 120,000 bonus points.
Take advantage of the Pay Over Time feature: This card is generally a pay-in-full card, but some purchases are eligible for its Pay Over Time feature, which allows you to pay your balance over time with APR.
American Express® Business Gold Card: Best for Earning Rewards Where You Spend the Most
American Express® Business Gold Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Maximizing rewards in the two categories where you spend the most
Intro APR
N/A
Regular APR
19.24% - 27.24% Variable
Annual Fee
$295
Credit Needed
Good, Excellent
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 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. 1X is earned for other purchases.**
- **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
- PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
- *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 of $295
- 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
N/A
Regular APR
19.24% - 27.24% Variable
Annual Fee
$295
Credit Needed
Good, Excellent
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 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. 1X is earned for other purchases.**
- **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
- PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
- *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 of $295
- 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: With the American Express® Business Gold Card, you can earn 4x points on the first $150,000 per year in combined purchases on the top two categories where your business spends the most. These categories include airfare, advertising, technology, gas, dining, and shipping. Then, when the cap is met, you’ll receive 1x point on all other qualifying purchases. You’ll also receive 70,000 bonus points if you spend at least $10,000 in the first three months of card ownership.
You can redeem your points to cover eligible charges on your current statement or use them to purchase event tickets at Ticketmaster and AXS. You can also use points for gift cards or to shop at Amazon. If you travel frequently, you can use your points to book a flight with American Express Travel and get 25% of those points back.
Premium rewards justify its high annual fee: This card charges a high annual fee of $295. However, if you spend at least $150,000 in a year, you can benefit from its premium rewards offerings. The card is also ideal for consultants who usually travel, and it is, in fact, one of our top business credit cards for consultants.
Amazon Business Prime American Express Card: Best for Frequent Amazon Shoppers
Amazon Business Prime American Express Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
5% back or 90-day repayment terms
Intro APR
N/A
Regular APR
19.24% - 27.24% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- 5% back or 90-day terms
- No annual and foreign transaction fees
Cons
- No 0% introductory APR
- Only for Amazon Prime members
- Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
- Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
- Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.
Intro APR
N/A
Regular APR
19.24% - 27.24% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- 5% back or 90-day terms
- No annual and foreign transaction fees
Cons
- No 0% introductory APR
- Only for Amazon Prime members
- Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
- Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
- Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.
Why we like it: If you shop frequently for your business at Amazon, you can take advantage of the substantial cash back rewards when you use the Amazon Business Prime American Express Card. Receive 5% cash back on US purchases at Amazon Business, Amazon Web Services (AWS), Amazon, and Whole Foods Market on the first $120,000 each calendar year, then 1% cash back thereafter.
You also have the option for a 90-day interest-free billing cycle if you don’t want to earn premium rewards on Amazon purchases. You’ll still get 2% back at restaurants, gas stations, and wireless phone services and 1% back on all other eligible purchases. Additionally, you’ll get an automatic $125 bonus Amazon.com gift card upon approval, with no spending requirements.
You need an Amazon Prime membership to qualify: It has no annual fee outside of the Amazon Business Prime membership fee. As a member, you’ll benefit from quantity discounts and gain access to numerous products only available to Business users. It’s our leading Amazon business credit card and one of the outstanding business credit cards for sole proprietors.
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 requirement, unless the credit limit is specified clearly. We also looked at rewards, fees, 0% introductory and ongoing APRs, and any other benefits.
Frequently Asked Questions (FAQs)
Various factors contribute to becoming approved 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 taken into consideration 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. However, this will also depend on other factors, including the business owner’s personal credit score, credit utilization ratio, and payment history.
- Charge card: 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. Excellent charge card options, aside from the Capital One Spark Cash Plus, are the SVB Innovators Card, which is great for startups, and the Charity Charge Nonprofit Business Card, which is designed for nonprofits. It’s essential that you have the 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.
- Business line of credit: If you need short-term funding, one of the best small business lines of credit allows you to use available funds, repay them, and use them again. You will also benefit from a fast application and approval process.
- Business loan: There are many types of business loans that 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. For options, check out our roundups of the best easy business loans and leading business loans with fast approval.
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 approval for a high-limit credit card, you may consider requesting a credit line increase for your existing business credit card or consider the alternatives suggested above.
If you’d like to see a wider selection of cards, take a look at our recommendations for the best small business credit cards.
