Some businesses need the flexibility to charge both moderate everyday expenses and large one-off purchases on one credit card. The best high-limit business credit cards offer credit limits of $15,000 to $100,000 or more along with stellar rewards. You can also use free employee cards to manage large employee expenses while quickly earning enormous sign-up bonuses. However, you’ll need a credit score of 750 and above to qualify for the highest credit limits.
The best high-limit business credit cards of 2020 are:
- American Express Business Platinum Card®: (Best overall) Best for no preset spending limit
- Chase Ink Business Preferred®: Best for earning huge intro rewards on large balances
- Brex Card for Startups: Best for large startup expenses with no personal guarantee
- Capital One® Spark® Cash for Business: Best for earning flat-rate cash back on fluctuating expenses
- American Express Blue Business® Plus: Best for above-limit spending with no annual fee and 0% introductory annual percentage rate (APR)
For more details on how we evaluate business credit cards for this list, see our methodology.
American Express Business Platinum Card®: Overall Best High-limit Business Credit Card
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 | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| N/A | N/A | $595 | Good, Excellent |
Why we like it: The American Express Business Platinum Card® is the best high limit business credit card because it offers outstanding spending flexibility. This business charge card has no preset spending limit, so it’s easy to make high-dollar purchases. Plus, because it offers excellent rewards, it’s also one of the best small business credit cards available. If you spend $7,000 or more each month, you’ll quickly earn this card’s generous welcome offer.
However, you’ll be required to pay this card’s balance in full each month. Eligible cardholders can also choose to carry a balance on qualified purchases with the American Express Pay Over Time feature. It’s a great tool for owners who need a little extra time to pay back larger expenses, but those purchases will accrue interest until fully repaid.
This card isn’t only great for its massive buying power, but it’s also one of the best cards for business travelers. You’ll get unlimited airport lounge access to more than 1,2000 lounges worldwide, a statement credit for Global Entry ($100) and TSA PreCheck ($85) application fees, and a $200 annual travel credit. Its ongoing rewards and these world-class travel benefits will help offset the card’s annual fee.
Chase Ink Business Preferred®: Best for Earning Huge Introductory Rewards on Large Balances
Ink Business Preferred® Credit Card
Best For: Maximizing travel rewards at a lower annual fee
| Intro APR | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| N/A | 15.99% to 20.99% Variable | $95 | Good to Excellent |
Why we like it: Even if your business doesn’t normally incur such grand costs, you should still consider Chase Ink Business PreferredSM. This card earns top-tier ongoing rewards on common monthly expenses, including shipping, travel, and even social media advertising. When high spending is the norm, you can earn this card’s hefty sign-up bonus easily—the largest on the list. However, you’ll need excellent credit to access this card’s highest limit.
It’s not uncommon for business credit cards to cap top rewards categories at $25,000 to $50,000 each year. However, with this card, you’ll earn rewards on its highest-tier spending categories up to $150,000 in spending annually. You’ll also earn great rewards on internet, cable, and phone purchases. All this makes using this card to bankroll high-dollar purchases worthwhile.
Brex Card for Startups: Best for Large Startup Expenses With No Personal Guarantee
Brex Card for Startups
Best For: No personal guarantee and startups with investment funding
| Intro APR | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| N/A | N/A | $0 | N/A |
Why we like it: Choosing a business credit card that has enough available credit to support your new business can be tricky. Brex is a great option for startups looking to access business capital with no personal guarantee. This card offers credit limits 10 to 20 times higher than the average corporate credit card. Plus, it’s also the only business card with a rewards category specifically for ongoing software subscriptions like Salesforce, GitHub, and Slack.
Brex also offers excellent rewards on expenses you make frequently, including travel and rideshare. You’ll also get above-average rewards on restaurant purchases, so team lunches and coffee shop meetings can earn you savings. When you’ve stacked up enough points, you can redeem them for free flights and hotels.
This card also offers big discounts on services like Amazon Web Services (AWS) and Google Ads. These discounts on paid subscription plans can reduce the cost of services your business needs to grow.
Capital One® Spark® Cash for Business: Best for Earning Flat-rate Cash Back on Fluctuating Expenses
Capital One® Spark® Cash for Business
Best For: Earning unlimited 2% cash back
| Intro APR | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| N/A | 20.99% (Variable) | $0 intro for first year; $95 after that | Excellent, Good |
Why we like it: Business owners who like to keep it simple will enjoy Capital One® Spark® Cash for Business. Because it’s a fixed-rate rewards card, it’s the perfect card for fluctuating business expenses. For owners with excellent credit scores (800-plus), this card offers high credit limits that can provide the funding your small business needs. Plus, this card’s annual fee is waived the first year.
This card offers fixed-rate cash back rewards on all purchases, so there’s no need to keep up with spending categories regardless of how you spend. You won’t need to spend time converting your rewards because you can redeem them as cash back. Additionally, with the free employee cards and large purchases, you’ll earn a fairly large cash bonus in exchange for meeting specific spending requirements.
American Express Blue Business® Plus: Best for Above-limit Spending and 0% Introductory APR
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% introductory APR for 12 months on purchases | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| 0% on purchases | 13.24% - 19.24% Variable | No annual fee | Good, Excellent |
Why we like it: American Express Blue Business® Plus has more than just a potentially high credit limit. It also offers a lengthy 0% APR period long enough to save money on big-ticket purchases. You’ll earn fixed-rate rewards on common business expenses like office supplies without the annual fee that other high-limit credit cards charge. Plus, qualified cardholders can make purchases above the preset credit limit with its expanded buying feature.
You’ll also earn ongoing rewards on purchases you make above your credit limit. However, the amount you spend isn’t unlimited and is determined by many factors, including card usage.
Free of category restrictions, this flat-rate rewards card allows you to earn ongoing rewards on all your purchases—large or small. However, the rewards rate drops by half on purchases after you spend above $50,000 in a year. Businesses that spend more than that may be better suited for a cap-free rewards card instead.
How Much High Credit Limit Cards Allow Owners to Spend
Business owners who apply for credit cards with high credit limits should expect to receive a credit limit of $15,000 to $100,000 or more and can spend up to this amount. Some charge cards come without a preset spending limit, allowing you the flexibility to make large purchases without the need for a credit limit increase. However, you won’t know your own credit limit until after you’re approved for a card.
How to Get the Best High-limit Business Credit Cards
Your credit limit is, in part, tied to your credit score, which means the highest credit limits are typically reserved for cardholders with high credit scores of at least 800. To get a business credit card from this list, you’ll need a personal credit score of at least 750.
Issuers take other factors into account as well, and a high credit score alone does not guarantee you’ll receive a high credit limit. If you receive a card, and you find the limit low, there are ways to increase your credit limit. Make sure you don’t have too much debt relative to your financial resources and don’t make late payments before requesting a credit limit increase.
What Is the Average Credit Card Limit?
A high credit limit is a relative term because one business might need $10,000 of available credit to manage expenses while another might need $100,000. But government data shows what the average credit card limit looks like by credit score:
- 720 to 850 credit score: Approximately $9,000
- 660 to 719 credit score: Approximately $5,000
- 620 to 659 credit score: Approximately $2,000
- 580 to 619 credit score: Approximately $1,000
Any credit limit greater than $9,000 is above average, but credit cards with the highest limits tend to offer much higher credit lines of $100,000 or more. Remember that if you don’t like your initial credit limit, you may be able to increase it over time. One way to increase your credit limit is to report your income to your card issuer regularly.
How We Evaluated High-limit Business Credit Cards
We looked for the best small business credit cards that either offer no preset spending limits or cards that have reported limits of $15,000 to more than $100,000. In addition, we considered other important factors, including costs, rewards, and introductory 0% APR offers. We also prioritized cards that offer valuable additional features and flexible spending programs.
Bottom Line
Each of the best high-limit credit cards on our list allows business owners with a credit score of 750 or greater to enjoy credit limits of $15,000 to more than $100,000 on a card. Business owners can use these high limits to fund their monthly expenses or to pay for a planned large purchase.
For rates and fees on the American Express Business Platinum Card®, please click here.
For rates and fees on the American Express Blue Business® Plus Card, please click here.
