Signing up for a top business credit card with a high limit can be a wise decision, particularly 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 requirements, determine the perks you prioritize and the type of rewards you’re looking to earn. Specific 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. With a generous sign-up bonus, cardholders can earn valuable Ultimate Rewards points by utilizing the card for various business expenses.
Users can transfer these points to 11 airline partners and three hotel partners or redeem them directly for travel at a rate of 1.25 cents per point through the convenient Chase Ultimate Rewards portal.
Moreover, the card offers a substantial 3 points per dollar 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.
Read our full review of the card here.
Ink Business Cash® Credit Card
For businesses that spend heavily in specific categories, the Ink Business Cash® Credit Card 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.
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Plus, with the ability to transfer and combine rewards, the Ink Business Cash Card provides a broader range of redemption options compared to traditional cash-back cards.
Read our full review of the card here.
Capital One Spark Cash Plus
If you prefer a flat-rate cash back option, the Capital One Spark Cash Plus is a suitable choice. With no limits on cash-back rewards, the card offers a solid 2% cash back on all purchases.
This means that the more you spend, the more cash back you’ll accumulate. This allows you to maximize your rewards potential. Whether you’re purchasing office supplies or hosting business dinners, you can be confident that every transaction will contribute to your cash-back earnings.
The Spark Cash Plus is also a charge card, which means there’s no preset spending limit.
Read our full review of the card here.
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 to financial burden.
The rewards structure is straightforward: 2 points per dollar on the first $50,000 spent per calendar year, then 1 point per dollar. The card also provides access to the valuable Membership Rewards program, offering various redemption options such as travel, statement credits and more.
With the Amex Blue Business Plus, you can benefit from rewards while keeping costs in check, making it a valuable option for new business owners.
Read our full review of the card here.
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 its substantial welcome bonus and 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.
You’ll also earn 1.5 points per dollar on up to $2 million in eligible purchases in the U.S. per calendar year in the following categories:
- Electronic goods retailers
- Software
- Cloud service providers
- Construction materials and hardware supplies
- Shipping providers
- Purchases of $5,000 or more
Read our full review of the card here.
Capital One Venture X Business card
The Capital One Venture X Business card 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 (see rates and fees).
Right now, new applicants can earn 150,000 bonus miles after spending $30,000 in the first three months from account opening.
Read our full review of the card here.
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 in two bonus categories that adjust monthly based on your highest spending areas (up to a combined $150,000 in purchases per year).
New applicants for the Amex Business Gold can earn 70,000 bonus points after they spend $10,000 on eligible purchases in the first three months of card membership. TPG values Membership Rewards points at 2 cents each, making this bonus worth a solid $1,400.
You’ll also enjoy up to $240 back annually ($20 back per month) for eligible U.S. purchases at FedEx, Grubhub and office supply stores, as well as up to $155 back annually for a monthly Walmart+ membership (subject to auto-renewal).
Read our full review of the card here.
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.
Although the Chase Ink Business Premier card earns Ultimate Rewards points, it is important to note that these points are mainly intended for cash back purposes and redemptions such as gift cards and travel through the Chase Ultimate Rewards portal. They are typically valued at 1 cent per point.
Unlike certain other Chase cards that allow for the transfer of earned points to different Chase accounts, the points accumulated with the Chase Ink Business Premier cannot be converted into fully transferable Ultimate Rewards points. However, it can still provide value for some cardholders looking for cash back.
Read our full review of the card here.
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.
Apply here: Ink Business Preferred
Apply here: Ink Business Cash
Apply here: Capital One Spark Cash Plus
Apply here: Amex Blue Business Plus
Apply here: Amex Business Platinum
Apply here: Capital One Venture X Business
Apply here: Amex Business Gold
Apply here: Ink Business Premier
For rates and fees of the Amex Blue Business Plus Card, click here.
