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Compare high-limit business credit cards

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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.
  • 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
    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
    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.
    3x on travel, shipping, Internet, cable, phone and online ads up to $150,000 combined annually; then 1x after and on all other purchases
    18.24% to 23.24% 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®
    5% on office supplies, Internet, cable and phone up to $25,000 combined annually; 2% on gas and dining up to $25,000 combined annually; 1% on all other purchases
    15.49% to 21.49% variable
    $0
    $500 bonus cash back after you spend $3,000 in the first 3 months
    1.5% cash back on all purchases
    15.49% to 21.49% variable
    $0
    $500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
    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
    None (Charge Card)
    $595
    Earn 50,000 points after spending $10,000 and an extra 25,000 points after spending an additional $10,000 on purchases in the first 3 months from account opening.

    Compare up to 4 providers

Quick look at high-limit business credit 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 are highlighted below.

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: The Business Platinum® Card from American Express

The Business Platinum® Card from American Express

  • Welcome offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of card membership.
  • Get 5x Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more.
  • You can get up to 1 million additional points per year.
  • 35% airline bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Get one year of Platinum Global Access from WeWork. With this membership, you can access 300+ premium, inspiring workspaces in 75+ cities. To get this exclusive offer, enroll between 2/15/2019 and 12/31/2019.
  • Terms apply
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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, 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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