Our pick for a card + flex line: Revenued Business Card Visa®
- Spend limit grows with your business revenue
- 3% cash back on all purchases
- No hard credit check
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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 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.
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|
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.
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.
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.
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