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Compare high-limit business credit cards – December 2018

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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 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.
  • Our pick for a high-limit business card

    Brex

    • The first corporate card for startups
    • No personal liability or security deposit needed - your personal credit score won't be affected
    • Accelerated rewards tailored for startups
    • Earn 7x points on rideshares, 4x points on travel booked through Brex Travel, 3x points at restaurants, 2x points on software subscriptions and 1x points on all other purchases
    • Get a credit limit 10 to 20 times higher than traditional business cards
    • No foreign transaction fees
    • Build business credit - Brex partners with Experian to report your on-time payments
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    Compare business cards

    Updated December 15th, 2018
    Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
    17.99% to 22.99% variable
    $95
    80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
    15.24% to 21.24% variable
    0% for the first 12 months (then 15.24% to 21.24% variable)
    $0
    $500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
    15.24% to 21.24% variable
    0% for the first 12 months (then 15.24% to 21.24% variable)
    $0
    $500 bonus cash back after you spend $3,000 in the first 3 months
    None (Charge Card)
    $0
    The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
    17.74% to 25.74% variable
    $0 annual fee for the first year ($99 thereafter)
    70,000 AAdvantage® miles after making $4,000 in purchases in first 4 months of account opening

    Compare up to 4 providers

Compare high-limit business credit cards

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

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 annual fee
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Promoted
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: Business Platinum Card® from American Express

Business Platinum Card® from American Express

New cardholders can earn 75,000 Membership Rewards® bonus points by spending $10,000 on purchases for the first 50,000 points and then another $10,000 for the next 25,000 points on their new card in the first 3 months.

Promoted
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

Request your own credit limit between $2,000 and $100,000 when you apply, subject to credit approval.

Promoted
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 $110,000 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

Just two clicks to see our recommendation.


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℠ 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 Platinum Business 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 about charge cards, check out our comprehensive guide.

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.

Frequently asked questions

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
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First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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