The best high-limit business credit cards
Editor's Note
Applying for a top business credit card with a high limit can be a boon to your business, especially if your business incurs substantial monthly expenses. A high-limit business credit card can offer significant rewards on all spending, making it easier to earn valuable benefits while also keeping your business expenses separate for tax purposes.
To find the ideal business credit card for your specific needs, determine the perks you prioritize and the type of rewards you’re looking to earn. Keep in mind that certain issuers may not disclose exact credit limits and a high credit limit is not guaranteed.
Keep reading for our picks for the best business credit cards with high limits on the market.
Ink Business Preferred Credit Card
If you’re seeking a credit card that provides flexible rewards and high-limit potential, the Ink Business Preferred® Credit Card is an excellent choice. Cardholders can earn valuable Ultimate Rewards points by utilizing the card for various business expenses.
The information for the Ink Business Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Cardholders can transfer these points to 11 airline partners and three hotel partners or redeem them directly for travel at a rate of up to 1.75 cents per point through Chase Travel℠, depending on the specific redemption (see your rewards program agreement for full details).
Moreover, the card offers a substantial 3 points per dollar spent on the first $150,000 spent on combined purchases for travel, shipping, internet, cable, phone services and advertising purchases made through social media and search engines annually (then 1 point per dollar).
To learn more, check out our full review of the Ink Business Preferred.
Learn more: Chase Ink Business Preferred
Ink Business Cash Credit Card
For businesses that spend heavily in specific categories, the Ink Business Cash® Credit Card (see rates and fees) is worth considering.
With this card, you’ll earn 5% cash back on the first $25,000 you make in combined purchases each account anniversary year at office supply stores and on internet, cable and phone services. Plus, you’ll earn 2% cash back on the first $25,000 you make in combined purchases at gas stations and restaurants each account anniversary year.
You’ll also earn 1% cash back on all other purchases, including on spending over $25,000 each account anniversary year in the 5% and 2% categories.
If you have a card that earns transferable Ultimate Rewards, such as the Ink Business Preferred, you can combine the rewards you earn on the Ink Business Cash with your Ultimate Rewards account. Then, you can send them to any of Chase's airline and hotel transfer partners.
To learn more, check out our full review of the Ink Business Cash.
Related: Business line of credit vs. business credit cards
Apply here: Chase Ink Business Cash
Capital One Spark Cash Plus
If you prefer a flat-rate cash back option, the Capital One Spark Cash Plus is a suitable choice. This card offers a solid 2% cash back rate across almost all purchases, making it a solid option for uncapped reward-earning potential.
This means that the more you spend, the more cash back you’ll accumulate. Whether you’re purchasing office supplies or hosting business dinners, you can be confident that every transaction will contribute to your cash back earnings.
As a bonus, you can get this card's $150 annual fee refunded after spending $150,000 on the card each year. If your business naturally spends that much, this perk can make the Spark Cash Plus an even better fit.
To learn more, check out our full review of the Spark Cash Plus.
Learn More: Capital One Spark Cash Plus
The Blue Business Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express is ideal for new business owners who are conscious of their expenses. With no annual fee (see rates and fees), this card makes credit card rewards accessible without adding financial burden.
The rewards structure is straightforward: cardmembers earn 2 points per dollar spent on the first $50,000 spent per calendar year, then 1 point per dollar after that.
This card also provides access to Amex's Membership Rewards program, which offers various redemption options, such as travel, statement credits and more. Cardmembers can transfer their points to 21 different airline and hotel partners, opening the door to an array of award redemption possibilities.
To learn more, check out our full review of the Blue Business Plus.
Apply here: American Express Blue Business Plus
The Business Platinum Card from American Express
For business owners who value premium travel perks, The Business Platinum Card® from American Express is an excellent choice. The card stands out with an abundance of valuable perks exclusively available to cardmembers.
Although fully utilizing these perks may require some effort, the potential savings can be significant, ranging from hundreds to even thousands of dollars per year.
As a cardmember, you'll earn 5 points per dollar on flights and prepaid hotels booked through Amex Travel. You’ll also earn 2 points per dollar spent on up to $2 million in eligible purchases in the U.S. per calendar year in the following categories (then 1 point per dollar):
- Electronic goods retailers
- Software providers
- Cloud service providers
- Construction materials and hardware suppliers
- Shipping providers
- Purchases of $5,000 or more
Note that this card carries an annual fee of $895 (see rates and fees), so make sure your business can justify that expense.
To learn more, check out our full review of the Amex Business Platinum.
Apply here: The Business Platinum Card from American Express
Capital One Venture X Business
The Capital One Venture X Business provides similar perks to its popular personal counterpart at a reasonable annual fee. With a straightforward earning structure of at least 2 miles per dollar spent on all purchases, this card is an excellent choice for small-business owners who appreciate simplicity.
You’ll also get generous airport lounge access, annual credits and the option to add a limited number of authorized users for no additional fee.
To learn more, check out our full review of the Capital One Venture X Business.
Learn more: Capital One Venture X Business
American Express Business Gold Card
For business owners seeking to optimize their earnings from a single card, the American Express® Business Gold Card is a great option. It offers 4 points per dollar spent in two eligible bonus categories that adjust each billing cycle based on your highest spending areas (up to a combined $150,000 in purchases per year, then 1 point per dollar).
These eligible categories include:
- Advertising from U.S. media providers (online, TV and radio)
- U.S. electronic goods retailers
- U.S. software and cloud system providers
- Dining at U.S. restaurants, including takeout and delivery
- U.S. gas stations
- Transit, including ride-hailing, tolls, parking and subways
- Monthly service charges from a U.S. wireless cellphone service provider
The Amex Business Gold earns valuable, transferable Membership Rewards points, making it a solid addition to any business owner's wallet.
You’ll also enjoy up to $240 back each calendar year (up to $20 back per month) for eligible U.S. purchases at FedEx, Grubhub and office supply stores. Plus, you'll get up to $155 back per calendar year (up to $12.95 plus applicable taxes on one membership fee per month as a statement credit) for a monthly Walmart+ membership (subject to auto-renewal, Plus-Ups excluded). Enrollment is required; terms apply.
This card has a $375 annual fee (see rates and fees).
To learn more, check out our full review of the Amex Business Gold.
Apply here: American Express Business Gold
Ink Business Premier Credit Card
Designed for business owners aiming to earn cash back rewards on their everyday expenses, the Ink Business Premier® Credit Card offers competitive earning rates.
Cardholders can earn cash back as follows:
- 2.5% unlimited cash back on purchases of $5,000 or more
- 2% unlimited cash back on all other business purchases
If your business regularly makes large expenses, this card is a great way to maximize the rewards you earn. It isn't easy to find a card offering more than 2% cash back on a very broad range of expenses.
To learn more, check out our full review of the Ink Business Premier.
The information for the Ink Business Premier has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Related: Your guide to the Chase Ink Business cards
Which business credit card with a high limit is right for you?
Compare the rewards programs, interest rates, fees and cardholder benefits to determine the right high-limit business credit card for your needs.
To maximize the benefits of your business credit card, use it for all business-related expenses, meet the minimum spending requirement for the welcome bonus, take advantage of expense-tracking benefits and pay your bill in full each month to avoid interest charges.
Bottom line
Selecting the best high-limit business credit card involves careful consideration of several factors. To find the right card for you, decide which perks are important to you and which type of rewards you want to earn. Remember that your exact credit limit will depend on your credit history and credit score.
You can find the card that aligns with your business needs and goals by comparing options from different issuers — and across different lines of card offerings, like the Ink Business family.
Related: Business cards vs. personal cards
For rates and fees of the Amex Blue Business Plus Card, click here.
For rates and fees of the Amex Business Platinum, click here.
For rates and fees of the Amex Business Gold, click here.
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.