Our pick for a high-limit business card: Brex 30 Card
Up to $150,000
In value from partner offers
- Easy-to-use charge card
- No personal guarantee required
- $0 annual fee for first five cards
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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.
When selecting our choices for best high-limit business credit cards, we looked at several factors across available card options, including the size of any welcome offer bonuses, the monthly APR, the number of reward points or cash back earned per dollar spent, rewards earning categories, rewards redemption categories and other items that business owners might consider when choosing a high-limit card. The cards that performed exceptionally well in one or more fields, or fulfilled a certain niche, were highlighted.
|Balance transfer APR||N/A|
|Welcome offer||Up to $150,000 worth of credits and offers for business services like Amazon Web Services, Slack, Zoom, Google Ads and more|
|Estimated welcome offer value||$150,000 based on Finder's valuation|
|Rewards||8x points on rideshares, 5x on Brex Travel, 4x at restaurants, 3x on software subscriptions and 1x points on all other purchases|
|Purchase APR||15.99% to 20.99% variable|
|Balance transfer APR||15.99% to 20.99% variable|
|Welcome offer||100,000 points after spending $15,000 in the first 3 months|
|Estimated welcome offer value||$1,250 based on Finder's valuation|
|Rewards||3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases|
|Purchase APR||20.24% variable|
|Balance transfer APR||20.24% variable|
|Estimated welcome offer value|
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 limit||Estimated maximum limit|
|Capital One® Spark® Cash for Business||$2,000||$50,000|
|Ink Business Unlimited℠ Credit Card||$3,000||$225,000|
|Ink Business Cash℠ Credit Card||$3,000||$225,000|
|Ink Business Preferred® Credit Card||$5,000||$225,000|
|Southwest Rapid Rewards® Performance Business Credit Card||$5,000||$225,000|
|Southwest Rapid Rewards® Premier Business Credit Card||$5,000||$225,000|
|United℠ Business Card||$5,000||$225,000|
Charge cards can sometimes offer higher credit limits because you can’t carry your balance.
Charge cards are payment cards, similar to credit cards with some differences, like:
If you want to learn more, check out our comprehensive guide on charge cards.
American Express is the only company that issues charge cards in the US. They now only offer one charge card for businesses:
Your credit limit depends mostly on your company’s financials and credit score. Here’s how to increase your chances of getting a high credit line:
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.
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.
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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