Compare high-limit business credit cards

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

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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 offers the freedom to buy what you need without dropping your credit utilization rate below 30%.

A few ways in which you can score a high-limit business card:

  • Maintain an excellent credit score.
  • Apply for a charge card.
  • Get a high-limit secured card.

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.

Name Product Filter values Rewards Purchase APR Annual fee
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 14.49% to 25.49% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
1.5% cash back on all purchases
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
Earn unlimited 1.5% cash back on every purchase, every day.
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 14.49% to 25.49% variable)
6% cash back at US supermarkets. Rates & fees
1.25x miles on all purchases and 10x miles at
0% intro for the first 12 months (then 13.74%, 19.74% or 23.74% variable)
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
2x miles on Delta purchases and 1x miles on all other purchases
17.24% to 26.24% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a direct Delta purchase in the same timeframe. Rates & fees

Compare up to 4 providers

Best high-limit business credit card for travel: Ink Business Preferred℠ Credit Card

The Ink Business Preferred℠ Credit Card from Chase could be a good choice for your business if you often travel and you need a high credit line. You get a decent signup bonus, a high number of points on travel purchases and the ability to exchange your points with partner airlines and hotels at a 1:1 ratio.

Best high-limit business charge card: The Business Platinum® Card from American Express

Business owners who spend thousands of dollars a month on travel could find The Business Platinum® Card from American Express to be a worthy addition to their business. You’ll earn the highest number of membership points on flights and prepaid hotels through American Express Travel, and you’ll get a decent welcome offer.

Since this is a credit-charge card hybrid, you’ll have to pay your balance in full each month. However, if eligible, you could enroll in the Pay Over Time feature and pay some purchases over time. However, you’ll accrue interest if you choose to pay over time.

Best high-limit business secured credit card: Business Edition® Secured® Visa Card

Business Edition® Secured® Visa Card
For businesses with poor credit, a secured card like the Business Edition® Secured® Visa Card from First National Bank could be a good choice. You can deposit up to $100,000 to use as a credit line, and you’ll earn interest on your deposit.

Is there a way to increase my credit limit?

Yes. You can potentially get a credit line increase if you pay your balance on time and keep your credit utilization low.

If you want to know more, check out our guide on how to increase your credit limit.

Find the right business card

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How we selected our top cards

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.

What’s changed in 2019

Given the relative scarcity of high-limit cards, our list remained relatively unchanged this year. However, we thought the Visa’s secured offering was an interesting option for business owners and worthy of mention given its niche.

How to compare high-limit business credit cards

When you look for a 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 the frequent traveler 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 is a charge card?

Charge cards are payment cards, similar to credit cards with some differences, like:

  • No preset spending limit. This makes charge cards ideal for those who want high spending limit. However, this doesn’t mean you get unlimited spending. Your purchasing power constantly adjusts based on your payment history and other factors.
  • Must pay in full when due. You can’t carry your balance and pay interest on it. You must pay your balance in full.
  • No interest. Since you can’t carry your balance, you won’t accrue any interest.

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 offer four charge cards for businesses:

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.

Another alternative is a charge card. Usually, they have a relatively high credit line when compared to credit cards because you’re not allowed to carry your balance.

If you’re still not sure which credit card would be best for your business, compare your options and check out other business credit cards until you find the right one.

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