Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure
Compare high-limit business credit cards
Take advantage of a higher credit line for big business purchases.
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.
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.
How to choose the best high-limit business credit card
- 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
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.
More guides on Finder
Varo Believe Secured Credit Card review
Varo bank’s credit-building card requires no minimum security deposit.
Eco savings review
Earn up to 5% APY with Eco’s crypto savings account, but funds aren’t insured.
Gravity Lending review
Gravity Lending matches borrowers with lenders so you can get the best vehicle refinancing deal out there.
OneLoanPlace connection service review 2021
A simple online form to find lenders — but it lacks specific information to help guide your choice.
Car insurance in Bakersfield
Compare top car insurance companies in Bakersfield, plus see why you need extra coverage here.
A guide to your inherited 401(k)
How to handle and make the most of your inherited 401(k) assets.
Car insurance in Sacramento
Shop for car insurance in Sacramento with the best coverage, rates, service and local reputation.
Aeroplan® Credit Card review
Chase’s new Air Canada card offers a big signup bonus.
Compare car insurance in San Jose
Car insurance isn’t optional in San Jose. Compare insurers that serve San Jose, California.
Greenlight vs. Current: Which is better for your teen?
Compare Greenlight and Current debit card to see which one is best for your teen.
Ask an Expert