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The best high-limit business credit cards are typically charge cards, which have no preset spending limit but must be paid in full. Other business credit cards might start with lower limits, but you can request an increase after just one billing cycle. Registered businesses can also look to corporate cards like Ramp or Brex. Those often have sky-high limits, but require similar-sized cash reserves to match your potential spending.
Best high-limit business cards
- American Express® Business Gold Card: Best for up to 4X points + bonus categories that sync with your spending.
- Brex Card: Best for corporate card for venture-backed startups.
- Capital on Tap Business Credit Card: Best for credit limits up to $50,000.
- Capital One Spark Cash Plus: Best for unlimited 2% cash back + no preset spending limit.
- Capital One Venture X Business: Best for high-limit business travel card.
- Ink Business Preferred® Credit Card: Best for big sign-up offer.
- Ink Business Premier® Credit Card: Best for up to 2.5% cash back.
- Ramp Card: Best for corporate card with cash-back rewards.
- The Blue Business® Plus Credit Card from American Express: Best for intro APR period.
- The Business Platinum Card® from American Express: Best for luxury travel perks.
While all of our picks for high-limit business gas cards are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
The best high-limit business credit cards are typically charge cards, which have no preset spending limit but must be paid in full. Other business credit cards might start with lower limits, but you can request an increase after just one billing cycle. Registered businesses can also look to corporate cards like Ramp or Brex. Those often have sky-high limits, but require similar-sized cash reserves to match your potential spending.
Best high-limit business cards
- American Express® Business Gold Card: Best for up to 4X points + bonus categories that sync with your spending.
- Brex Card: Best for corporate card for venture-backed startups.
- Capital on Tap Business Credit Card: Best for credit limits up to $50,000.
- Capital One Spark Cash Plus: Best for unlimited 2% cash back + no preset spending limit.
- Capital One Venture X Business: Best for high-limit business travel card.
- Ink Business Preferred® Credit Card: Best for big sign-up offer.
- Ink Business Premier® Credit Card: Best for up to 2.5% cash back.
- Ramp Card: Best for corporate card with cash-back rewards.
- The Blue Business® Plus Credit Card from American Express: Best for intro APR period.
- The Business Platinum Card® from American Express: Best for luxury travel perks.
While all of our picks for high-limit business gas cards are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Here are the best high-limit business credit cards
| Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Unlimited cash back + no preset spending limit Capital One Spark Cash Plus Apply now on Capital One's website Rates & Fees | 4.9/5 | $150 | 2%-5% Cashback | $2,000 ⏱️ New bonus offer | Apply now on Capital One's website Rates & Fees |
Big sign-up offer Ink Business Preferred® Credit Card Apply now on Chase's website | 4.8/5 | $95 | 1x-3x Points | 90,000 Points | Apply now on Chase's website |
Intro APR period The Blue Business® Plus Credit Card from American Express Apply now on American Express' website Rates & Fees | 4.4/5 | $0 | 1x-2x Points | 15,000 Points | Apply now on American Express' website Rates & Fees |
Bonus categories that sync with your spending (up to 4X points) American Express® Business Gold Card Apply now on American Express' website Rates & Fees | 4.3/5 | $375 | 1x-4x Points | 100,000 Points | Apply now on American Express' website Rates & Fees |
Luxury travel perks The Business Platinum Card® from American Express Apply now on American Express' website Rates & Fees | 4.5/5 | $695 | 1x-5x Points | 150,000 Points | Apply now on American Express' website Rates & Fees |
High-limit business travel card Capital One Venture X Business Apply now on Capital One's website Rates & Fees | 4.9/5 | $395 | 2x-10x Miles | 150,000 Miles | Apply now on Capital One's website Rates & Fees |
Corporate card for venture-backed startups Brex Card Apply now on Brex's website | 4.3/5 | $0 | 1x-7x Points | 10,000 Points | Apply now on Brex's website |
Corporate card with cash-back rewards Ramp Card Apply now on Ramp's website | 3.6/5 | $0 | 1%-1.5% Cashback | N/A | Apply now on Ramp's website |
Up to 2.5% cash back Ink Business Premier® Credit Card Apply now on Chase's website | 4.7/5 | $195 | 2%-5% Cashback | $1,000 | Apply now on Chase's website |
Credit limits up to $50,000 Capital on Tap Business Credit Card Apply now on Capital on Tap's website | 4.6/5 | $0 | 1.5% | N/A | Apply now on Capital on Tap's website |
I'M INTERESTED IN:
Our pick for
Unlimited cash back + no preset spending limit
Capital One Spark Cash Plus
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$2,000
⏱️ New bonus offer
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$2,000
⏱️ New bonus offer
Pros
- High rewards rate
- No preset spending limit
- No foreign transaction fees
- New cardholder bonus offer
Cons
- High annual fee
- Balance must be paid in full every month
- High spending requirement to hit bonuses
- Requires excellent credit
There's no preset spending limit and you get a high, flat rewards rate on every purchase. Plus, you can earn a massive welcome bonus — and get your annual fee refunded — if you hit certain spending requirements. Just note: This is a charge card that doesn't let you revolve a balance.
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
View Rates & Fees
Our pick for
Big sign-up offer
Ink Business Preferred® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points
Pros
- New cardholder bonus offer
- High reward redemption rate
- Transfer partners
Cons
- Does not include lounge access or travel credits
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points
Pros
- New cardholder bonus offer
- High reward redemption rate
- Transfer partners
Cons
- Does not include lounge access or travel credits
You get a huge welcome bonus (especially for a card with a low annual fee) and earn bonus rewards on travel expenses and common business spending categories, like advertising, shipping and internet, cable and phone service. Points are worth 25% more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners.
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- 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 Travel℠
- 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
Our pick for
Intro APR period
Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
This card give you the ability to go above your predetermined credit limit. The amount you can potentially spend is based on multiple factors (such as your payment and credit history) and can change over time. But those looking for a high limit might like the potential wiggle room. Something else to like — the card's solid intro APR offer.
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
View Rates & Fees
Our pick for
Bonus categories that sync with your spending (up to 4X points)
Annual fee
$375
Rewards rate
1x-4x Points
Intro offer
100,000 Points
Pros
- Transfer partners
- New cardholder bonus offer
- Intro APR period
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
The card has six bonus categories, such as travel, U.S. restaurants and U.S. gas stations. You automatically earn bonus rewards in the top two eligible categories where you spend the most each month. That can translate into outstanding rewards, as long as your business spends money in those categories. If it doesn't, the steep annual fee probably isn't worth it.
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card 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
View Rates & Fees
Our pick for
Luxury travel perks
Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
150,000 Points
Pros
- Lounge membership
- Transfer partners
- Automatic elite status
- Annual statement credit for travel, business expenses
- New cardholder bonus offer
Cons
- High annual fee
- Low ongoing rewards rate
This card comes with a big annual fee, but business travelers who prefer to go in style will find plenty that appeals to them, including airport lounge access and hundreds of dollars a year in available credits. The card also has no preset spending limit; the amount available to you shifts based on factors like your purchase and payment history.
- 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.
View Rates & Fees
Our pick for
High-limit business travel card
Capital One Venture X Business
Annual fee
$395
Rewards rate
2x-10x Miles
Intro offer
150,000 Miles
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus points
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
Annual fee
$395
Rewards rate
2x-10x Miles
Intro offer
150,000 Miles
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus points
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
This pay-in-full charge card has no preset spending limit and delivers
2
X points on all spending. You also get airport lounge access, bonus miles each anniversary and an annual travel credit (for bookings through Capital One Travel), among other perks. The card also has a big welcome bonus: Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening.
. All those perks offset the card's $395
annual fee.- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- 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
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- 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
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- 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
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass through the Partner Lounge Network
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month
View Rates & Fees
Our pick for
Corporate card for venture-backed startups
Brex Card
Read Review
Apply now
on Brex's website
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points
Pros
- No annual fee
- New cardholder bonus offer
- No foreign transaction fees
- No personal guarantee
- Can apply with EIN only
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points
Pros
- No annual fee
- New cardholder bonus offer
- No foreign transaction fees
- No personal guarantee
- Can apply with EIN only
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
The
Brex Card
uses factors like revenue and funding raised to determine your credit limit, which Brex claims to be 10X-20X higher than traditional business credit cards. This card does not require a personal credit check or personal guarantee, but you'll need to meet other requirements, including revenue and cash-on-hand. Note: This card is only available for incorporated businesses.- Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
- No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
- Credit limits 10-20x higher than traditional small business corporate cards.
- Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
- Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
- Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
- Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
- Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
- 30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
- Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
- Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
- Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
- Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
Our pick for
Corporate card with cash-back rewards
Ramp Card
Read Review
Apply now
on Ramp's website
Annual fee
$0
Rewards rate
1%-1.5% Cashback
Intro offer
N/A
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
Cons
- Balance must be paid in full each month
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
Annual fee
$0
Rewards rate
1%-1.5% Cashback
Intro offer
N/A
Pros
- No annual fee or foreign transaction fees
- No personal guarantee or credit check
- Direct integrations with tools and card-level spending controls
Cons
- Balance must be paid in full each month
- Not available to sole proprietors
- Rewards rate varies and is determined per customer
Ramp Card
is another corporate charge card that uses your business financials to determine approval — and your credit limit. There's no personal guarantee or credit check, and you get built-in expense management and card-level spending controls. Ramp has no annual fee and offers cash back on qualified purchases, but the actual reward rate varies by business. Note: This card is only available to corporations, LLCs and other registered businesses.- No annual fee or foreign transaction fees.
- No personal credit check or personal guarantee required.
- Issue unlimited virtual cards and physical cards for each employee.
- Prevent out-of-policy spending with built-in controls, including spend restrictions by category or merchant.
- Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
- Must have at least $25,000 in cash in any U.S. business bank account to qualify.
- Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
- Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Our pick for
Up to 2.5% cash back
Ink Business Premier® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
- No reward caps
Cons
- High annual fee
- Purchases that don't qualify for Flex for Business must be paid in full every month
Annual fee
$195
Rewards rate
2%-5% Cashback
Intro offer
$1,000
Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
- No reward caps
Cons
- High annual fee
- Purchases that don't qualify for Flex for Business must be paid in full every month
This card was designed for high-spend businesses and even rewards large purchases with elevated rewards — 2.5% for purchases of $5,000 or higher. While this charge card does have a preset spending limit (and requires payment in full each month), it also gives you the flexibility to finance certain purchases if needed.
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
Our pick for
Credit limits up to $50,000
Capital on Tap Business Credit Card
Read Review
Apply now
on Capital on Tap's website
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
Pros
- High rewards rate
- No reward caps
- Available with fair credit
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- Potential for very high APR
- No new cardholder bonus offer
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
Pros
- High rewards rate
- No reward caps
- Available with fair credit
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- Potential for very high APR
- No new cardholder bonus offer
Business owners with strong credit can be approved for a credit limit of up to $50,000, with no annual fees or foreign transaction fees. And you'll earn
1.5% rewards on all spend, no caps or restrictions
. Note: This card is not available to sole priorietors.- 1.5% rewards on all spend, no caps or restrictions
- $0 annual fee
- No foreign exchange fees
- APRs range from 17.49% to 43.49% variable
- Unlimited cards for your employees
- Capital on Tap Business Credit Cards are issued by WebBank
Business credit card issuers determine your credit limit based on your ability to pay. Providers can evaluate this standard differently, but information that may affect their decision includes:
- Your personal income and debt.
- Your personal credit score.
- Your business’s credit history.
- Your business’s annual income.
- Your business’s estimated monthly credit card spending.
Understanding these factors — and potentially improving them before you apply — will put you in the best position to get a high-limit business credit card. If you’re approved for a card with a lower limit than you want, see if you can provide the issuer with additional business information to receive a larger line of credit.
Business credit card issuers typically don’t publish their maximum limits. But looking for the following features and benefits may offer clues around which might offer you the greatest spending power.
Annual fees or high rewards rates: Business credit cards with large annual fees or generous reward rates may give you the highest limits because these cards are designed for big spenders or customers with excellent credit.
No preset spending limit: This can take several forms. For instance, some American Express business credit cards offer a flexible limit that adapts based on factors such as your purchase, payment and credit history.
For a true no-limit option, you’ll likely need a business charge card. These may not put a cap on your spending, but you’ll have to pay off that entire bill in full each month — and face potential consequences like late fees and credit damage if you don’t.
No personal guarantee: If you see a business credit card with no personal guarantee, it’s probably a corporate card. Corporate cards often have no credit limit at all. Like charge cards, they may require you to pay the balance off in full every month.
The lack of a personal guarantee means you won’t individually be on the hook for those charges, but also that your business will likely need a significant business bank account balance or millions in annual revenue to qualify.
There’s no way to know what your credit card’s limit will be until you apply and are approved. One thing you can look at is whether an issuer publishes its minimum credit line. While this is a starting point and many businesses may qualify for a larger amount, it can give you a sense of your baseline.
For instance, the
Ink Business Preferred® Credit Card
has a minimum credit line of $5,000. And the Capital One Spark Cash Select has a minimum credit line of $2,000. In general, business credit cards offer higher limits than personal cards do.Since you won’t know your credit limit until after you’ve applied, it’s best to choose a business credit card based on its other features — like its rewards rates, annual fee and whether you can carry a balance.
Then, focus your search on cards you’re likely to qualify for based on your credit score. In general, you’ll need good or excellent credit to qualify for a high-limit business credit card.
» Need other options? Learn more about business credit cards for bad credit or business credit cards for fair credit.
Once you choose a card, remember that limits aren’t set in stone. If you handle your account responsibly — or your financial situation improves — you can always request a higher credit limit.
To view rates and fees of the
American Express® Business Gold Card
, see this page.To view rates and fees of
The Business Platinum Card® from American Express
, see this page.To view rates and fees of
The Blue Business® Plus Credit Card from American Express
, see this page.Last updated on January 6, 2025
Methodology
NerdWallet's business credit card team selects the best small-business credit cards without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.
