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Compare high-limit business credit cards

Take advantage of a higher credit line for big business purchases.

Our pick for a card + flex line: Revenued Business Card Visa®

  • Spend limit grows with your business revenue
  • 3% cash back on all purchases
  • No hard credit check
Apply now

A high-limit business card can be ideal if you spend a lot each month on goods to keep your business humming. A high limit for a small business credit card can be around $50,000 or more, depending on your company’s financials and business credit score. However, there are some cards that offer credit limits much higher than that.

7 high limit business credit cards

Your card’s credit limit directly depends on several factors, including your credit score and your company’s financials. Some card providers list the minimum credit line you can receive while keeping the maximum limit vague. In the table below, we’ve added the maximum credit limit some users have received with these cards. But there’s no guarantee that you’ll get the same amount — it could be more or less than that.

Minimum limitEstimated maximum limit
Capital One® Spark® Cash for Business$2,000$50,000
Ink Business Unlimited® Credit Card$3,000$225,000
See offer
Ink Business Cash® Credit Card$3,000$225,000
See offer
Ink Business Preferred® Credit Card$5,000$225,000
See offer
Southwest Rapid Rewards® Performance Business Credit Card$5,000$225,000
See offer
Southwest Rapid Rewards® Premier Business Credit Card$5,000$225,000
See offer
United℠ Business Card$5,000$225,000
See offer

Compare high-limit business cards

Providers rarely share credit limit ranges for their cards, but users have reported receiving higher-than-average limits with these business credit cards. Note that your credit limit is based on your credit profile. It varies based on what the credit card company approves you for, and is not guaranteed.

1 - 4 of 4
Name Product Filter values Rewards Purchase APR Annual fee
Revenued Business Card Visa®
3% cash back on all purchases
N/A
$0
A flexible spending line and prepaid business card that earns 3% cash back on all purchases. Apply with no hard credit check. Requirements: 6+ months in business, an existing business bank account with $10,000 average monthly deposits, more than one employee.
Brex 30 Card
8x points on rideshares, 5x on Brex Travel, 4x at restaurants, 3x on software subscriptions and 1x points on all other purchases
N/A
$0
The first corporate card for startups. No personal guarantee or security deposit needed, meaning your personal credit score won't be affected.
Ink Business Preferred® Credit Card
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
18.24% to 23.24% variable
$95
100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.
World of Hyatt Business Credit Card
9x points total at Hyatt, 2x points on top three spend categories each quarter through 12/31/23, then your top two categories each quarter. 2x points on fitness club and gym memberships
From 25.24% variable
$199
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months ​from account opening.
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Compare up to 4 providers

How to choose the best high-limit business credit card

When you look for high-limit business credit cards, consider the following:

  • Do you want a universal credit card? If that’s the case, the Ink Business Preferred® Credit Card from Chase could be your best choice. It’s a regular credit card with a high-limit that rewards business purchases for a relatively small annual fee.
  • Do you want complete control over your credit limit? If you have a bad credit score, or you don’t want to wait to get a credit line increase, a secured card like the Business Edition® Secured® Visa Card from First National Bank would likely be your best choice. With this card, your deposit determines your credit line.
  • Are you a frequent flyer who wants premium perks? In that case, The Business Platinum Card® from American Express could be the best card for your business. Aside from getting the ultimate travel perks and benefits, you won’t have a preset spending limit.

What if I don’t get approved for a high limit?

In this case, you’ll have to work toward a credit line increase. This includes paying your balance on time and keeping your utilization ratio under 30%. Sometimes, the card provider will increase your credit limit on its own or you’ll have to request an increase by yourself. You may also look into some alternatives to suit your business’ needs.

Alternatives to high-limit business credit cards

Getting a high limit on your business credit card could be difficult if you have a low credit score or don’t meet other requirements companies might consider before granting you a high credit limit. Here are a few alternatives to consider.

  • A business loan. Depending on your needs, you can get vehicle financing, equipment financing, invoice financing, term loans or government-backed SBA loans. After your company’s financials improve, you can always apply for a business credit card.
  • A charge card. A charge card charge card will sometimes offer higher credit limits as a tradeoff for the fact that you can’t carry your balance. That means you’ll need to pay off your card at the end of each month, so you’ll want to ensure you have enough cash coming in to pay for your expenses.
  • A secured business card. Finally, you may find a secured business card that allows for a high spending limit. This is mostly useful for building business credit, as your business will need to front the large security deposit before you can access your credit line.
  • Bottom line

    If you’re looking into a high-limit credit card for your business, know that you’ll need to have a near-perfect credit score to get one without a deposit. If that’s the case, you’re likely to get a high credit line on almost any card you apply.

    But if your credit score isn’t perfect and you want full control over your credit line, your best choice is to get a high-limit secured card or a charge card. Whichever option you go with, make sure to compare your business credit card options until you find the right one.

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