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
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Updated . What changed?
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|
|Rewards||7x points on rideshares, 4x on Brex Travel, 3x at restaurants, 2x 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|
|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|
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:
When you look for high-limit business credit cards, consider the following:
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.
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.
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.
Compare the best small business tax software if you’re self-employed, a freelancer, a partner and more.
Two great cards for building your credit score.
Prepare to revamp your asset allocation and explore new investment classes.
CIT Savings Connect combines aspects of a checking and savings account in one product.
Book a workation at one of these hotels and get Internet, coffee, private space and more.
Sephora regulars get to earn rewards on their purchases.
This fintech just branched out into low-cost life insurance — but its lineup is limited.
Help your child learn to spend and save wisely with a virtual, COPPA-compliant debit card.
Credit counseling, debt relief programs and more options to consider.
Take advantage of miles, points and perks with a card that best fits your lifestyle.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.