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.
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.
The Brex for Startups card is an excellent option for startups because it doesn't require a personal guarantee. In addition, you get a generous rewards program and welcome offers, and you get up to 20 times higher credit limit than you would with a standard business credit card. The only downside is you can't carry your balance.
No personal guarantee. If your business fails, your personal assets won't be liable to pay for the debt.
Reward points. Earn 1x points on all of your purchases. You can choose to make Brex for Startups your exclusive credit card, in which case you boost your rewards rate to 7x points on rideshares, 4x points on travel booked through Brex Travel, 3x on dining, 2x on recurring software and software as a service and 1x points on everything else you buy.
High credit limit. Brex claims they will provide you with a credit limit that's 10 to 20 times higher than with a traditional business card. This credit limit is based on the cash and equity your company has.
Signup bonus. Get up to $25,000 worth of services from partners, including Amazon Web Services credit, subscription discount for Salesforce and more.
Balance transfer APR
Up to $25,000 worth of credits for business services like Amazon Web Services, Salesforce, Zendesk and more
7x points on rideshares, 4x on Brex Travel, 3x at restaurants, 2x on software subscriptions and 1x points on all other purchases
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.
Signup bonus. Get 100,000 points after you spend $15,000 in the first 3 months of card membership. That's up to $1,250 in value on travel purchases through the Chase Ultimate Rewards program.
Earn points. For every dollar spent on travel, shipping purchases, Internet, cable and phone services, and advertising purchases made with social media and search engines, you'll earn 3 points on up to $150,000 per year in combined purchases. For everything else you buy and after you reach the cap on the selected categories, you'll earn 1x points. Redeem points for cash back, travel, gift cards and merchandise.
Chase Ultimate Rewards. Your points are worth 25% more when you redeem through the Ultimate Rewards program for airfare, hotels, cruises and car rentals.
Transfer points. With a 1:1 ratio, you can transfer your points to a partner airline and hotel programs, such as British Airways Executive Club, Singapore Airlines KrisFlyer, Virgin Atlantic Flying Club, Southwest Airlines Rapid Rewards, Marriott Rewards, Ritz-Carlton Rewards and more.
Credit line. Your credit line depends on your creditworthiness and other factors determined by Chase. But the minimum credit line you can get is $5,000. For a credit line above $25,000, Chase may require additional information.
15.99% to 20.99% variable
Balance transfer APR
15.99% to 20.99% variable
100,000 points after spending $15,000 in the first 3 months
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
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. Note that you'll accrue interest if you choose to pay over time.
Welcome offer. Get 75,000 bonus points once you spend $15,000 in the first 3 months of card membership.
Earn points. With every dollar spent on flights and prepaid hotels through American Express Travel, you'll earn 5 points. For everything else, you'll earn 1x points. Any time you spend $5,000 or more on any single eligible purchase, you'll earn 1.5x points on those purchases on up to 1 million points per calendar year (then 1x).
American Express Global Lounge Collection. Get access to the Centurion Lounge and International American Express lounges, and to Delta Sky Club when flying Delta. You also get access to Priority Pass Select lounges, Airspace lounges and Escape lounges after you enroll.
Airline fee credit and bonus. Get a $200 airline fee credit every year to use toward incidental air travel fees, such as checked bags and in-flight refreshments. Also, get a 35% airline bonus when you pay with membership rewards points for any airline through Amex Travel up to 500,000 points per year.
No preset spending limit. Your spending limit adjusts over time based on your payment history and other factors determined by Amex. To get the higher spending limit, you may have to work your way up.
Balance transfer APR
75,000 points after spending $15,000 in the first 3 months
5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases
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.
High credit line. Get a credit line from $2,000 up to $100,000, depending on your deposit.
Earn interest. Your deposited funds don't stand idle - they earn interest. Usually, not for a high interest rate, but it's something.
US citizenship not required. You don't need to be a US citizen to apply for the card. However, you still need a valid SSN or ITIN and a valid US address.
Balance transfer APR
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.
Estimated maximum limit
Capital One® Spark® Cash for Business
Ink Business Unlimited℠ Credit Card
Ink Business Cash℠ Credit Card
Ink Business Preferred® Credit Card
Southwest Rapid Rewards® Performance Business Credit Card
Southwest Rapid Rewards® Premier Business Credit Card
United℠ Business Card
Charge cards can sometimes offer higher credit limits because you can’t carry your balance.
What is a charge card?
Charge cards are payment cards, similar to credit cards with some differences, like:
There’s no fixed credit 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.
You must pay in full when due. You can’t carry your balance and pay interest on it. You must pay your balance in full.
There’s no interest. Since you can’t carry your balance, you won’t accrue any interest.
How to choose the best high-limit business credit cards
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.
How can you get a business card with a high limit
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:
Maintain an excellent credit score. But if you don’t have an excellent credit score, you have to start improving it. This means you’ll have to get by with either a secured credit card or any card that you can get an approval for and use the card responsibly.
Apply for a charge card. Charge cards typically come with a higher credit line because you have to pay your full balance by the due date. If you can do that, you’ll not only access higher credit line but you’ll also improve your credit score.
Get a high-limit secured card. This type of card also comes with a higher credit limit because you will borrow money against your secured deposit. If your company can make such a large upfront deposit, you’ll get to enjoy higher credit line. The downside is, you could earn interest on the money you lock down if you deposit it in a savings account.
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.
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. As an alternative, consider getting 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.
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.
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.
Frequently asked questions
Ink Business Preferred® Credit Card
The Business Platinum Card® from American Express
Only The Business Platinum Card® from American Express is a charge card.
The Business Edition® Secured® Visa Card from First National Bank has the lowest annual fee of $39.
Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
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