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Compare high-limit business credit cards – October 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.

Compare high-limit business credit cards


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

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
Business Platinum Card® from American Express

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

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

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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.

Compare all business cards

Updated October 23rd, 2018
Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
None (Charge Card)
$450
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.
None (Charge Card)
$0 annual fee for the first year ($250 thereafter)
This charge card gives you the option to pay in full each month or to carry a balance for up to 60 days with no interest.
20.24% variable
$0 annual fee for the first year ($175 thereafter)
Earn 50,000 Membership Rewards® points after you spend $5,000 in qualifying purchases on the Card within your first 3 months of Card Membership.
14.24%, 19.24% or 21.24% variable
0% for the first 9 months (then 14.24%, 19.24% or 21.24% variable)
$0
Save on interest with a 0% intro APR on purchases for 9 months; after that your APR will be 14.24% - 21.24% variable.
14.99% to 20.99% variable
0% for the first 12 months (then 14.99% to 20.99% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months.
17.74% to 22.74% 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®.
17.74% to 24.74% variable
$0 annual fee for the first year ($99 thereafter)
75,000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier Business credit card.
24.74% variable
$0
Get the credit you want for your business, and unlimited 1% cash back on every purchase, every day.
14.74%, 18.74% or 22.74% variable
0% for the first 9 months (then 14.74%, 18.74% or 22.74% variable)
$0
Unlimited 1.5X miles per dollar on every purchase, every day.
18.74% variable
$0 annual fee for the first year ($95 thereafter)
Unlimited 2 miles per dollar on every purchase, every day.
14.74%, 18.74% or 22.74% variable
0% for the first 9 months (then 14.74%, 18.74% or 22.74% variable)
$0
Unlimited 1.5 cash back on every purchase, every day.
18.74% variable
$0 annual fee for the first year ($95 thereafter)
Unlimited 2% cash back from Spark Cash could mean thousands of dollars each year going back into your business. No minimum to redeem.
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
17.74% to 24.74% variable
0% for the first 9 months (then 17.74% to 24.74% variable)
$99
Earn 2x points on Southwest® purchases and 1x point on all other purchases. Plus 6,000 anniversary bonus points.
17.99% to 25.99% variable
$0 annual fee for the first year ($99 thereafter)
For a limited time, earn 70,000 American Airlines AAdvantage® bonus miles after making $4,000 in purchases within the first 4 months of account opening.

Compare up to 4 providers

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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