10xTravel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. All values of Membership Rewards are assigned based on the assumption, experience and opinions of the 10xTravel team and represent an estimate and not an actual value of points. Estimated value is not a fixed value and may not be the typical value enjoyed by card members.
Small business owners understand that having access to capital is vital. Getting loans or finding investors can take time and slow your growth, but signing up for a high-limit business credit card often gives you quick access to tens of thousands of dollars.
The other advantage of using a business credit card for your expenses is the rewards you can earn. If you aren’t currently using a rewards credit card for your business expenses, you could be missing out on thousands of dollars in potential value.
In this article, we’ll list some of the best high-limit business credit cards available. While each of these cards offers different perks, they all allow you to access thousands of dollars of capital quickly and earn rewards on all of your business expenses.
What Is a High-Limit Business Credit Card?
Business credit cards often have preset spending limits. These limits dictate the maximum balance you can have on your card before your transactions start getting declined. For example, if you have a business credit card with a limit of $50,000 and your balance reaches that amount (which is commonly referred to as “maxing out” your card), then any more transactions you try to make on your card will be declined.
There are some credit cards without preset spending limits. This essentially means that the spending limit will be adjusted periodically as your bank learns more about your spending habits and creditworthiness.
Why Businesses Need High-Limit Credit Cards
For businesses in all growth stages, a high-limit credit card provides access to the capital needed for operational expenses without the risk of maxing out the limit. There are also several other benefits beyond access to capital, including:
- Building business credit, which may help you qualify for larger financing amounts in the future
- Earning rewards on expenses, such as cash back or points
- Accessing travel benefits, such as airport lounge access and complimentary upgrades
- Managing cash flow during periods of growth or seasonal fluctuations
- Covering inventory or operational costs
The right business credit card could be a great asset to your business.
The Best High-Limit Business Credit Cards
In this section, we’ll identify some of the best high-limit business credit cards available. In determining which cards to include, we’ve considered each card’s credit limit as well as factors such as spending limits, welcome bonuses and benefits.
The Business Platinum Card® from American Express
Perhaps the best business credit card available that offers a high credit limit and many other valuable perks is The Business Platinum Card® from American Express (see rates and fees). This card has the highest annual fee of any card on this list, but it more than makes up for it with its many perks.
However, it should be noted that it’s only worth paying the high annual fee for the Amex Business Platinum if you’re going to use its benefits to the fullest. If you’d rather not keep track of a long list of benefits, then another card on this list may be a better option for your business.
The following table includes the most notable features of The Business Platinum Card® from American Express:
| Card name | The Business Platinum Card® from American Express |
| Annual fee | $895 |
| Spending bonuses |
|
| Other notable features |
|
The Business Platinum Card® from American Express
You may be eligible for as high as 300,000
Membership Rewards® points
after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Annual Fee:
$895
The Amex Business Platinum offers an incredibly extensive list of statement credits and other valuable benefits, which can easily offset this card’s $895 annual fee if you use even a fraction of them. Plus, this card doesn’t have a preset spending limit. This essentially means that your spending limit will be automatically adjusted based on factors such as your purchase, payment and credit history. Many users who manage businesses with substantial revenue and payment history have reported credit limits over $100,000.
It’s also worth mentioning that the Amex Business Platinum offers a very valuable welcome offer, which new members can earn by spending a certain amount on their card in the first three months. We highly recommend taking advantage of this offer.
Capital One Venture X Business
Another high-limit business credit card that offers valuable travel benefits and statement credits is the Capital One Venture X Business. This card has an annual fee of $395, but it almost immediately makes up for that by offering a $300 annual travel credit. If you use that $300 annual travel credit every year, your annual fee is essentially $95.
The Capital One Venture X Business also offers a baseline rewards rate of 2X miles on all spending, which is great for earning points on uncommon business expenses.
The following table contains the most notable features of the Capital One Venture X Business:
| Card name | Capital One Venture X Business |
| Annual fee | $395 |
| Spending bonuses |
|
| Other notable features |
|
Capital One Venture X Business
Earn 150,000
Bonus Miles
once you spend $30,000 in the first 3 months from account opening.
Annual Fee: $395
The Capital One Venture X Business also offers a sizable welcome bonus to new cardmembers who spend a certain amount on their card in the first three months. If you sign up for the Venture X Business, you should definitely try to earn this bonus.
This card also has no preset spending limit, meaning that the credit limit will be adjusted based on your spending patterns, payments and credit history. The Venture X Business is also a pay-in-full card, but it offers the option to carry over a portion of your balance with interest if needed.
Capital One Spark Cash Plus
One of the best credit cards for businesses that require high credit limits is the Capital One Spark Cash Plus. This card doesn’t have a preset spending limit, which means that your credit limit will adjust automatically to reflect your spending habits. Users have reported credit limits as high as $150,000.
The following table includes other notable features of the Capital One Spark Cash Plus:
| Card name | Capital One Spark Cash Plus |
| Annual fee | $150 |
| Spending bonuses |
|
| Other notable features |
|
$2,000
Cash Bonus
after you spend $30,000 in the first 3 months
Annual Fee: $150
The Capital One Spark Cash Plus also offers a welcome bonus for new businesses that sign up for the card and spend a certain amount in the first year. If you plan on signing up for this card, we highly recommend earning this bonus.
It’s also worth mentioning that the Capital One Spark Cash Plus is a pay-in-full credit card, which means that you need to pay your balance in full each month or you’ll be charged a 2.99% fee on your outstanding balance.
Blue Business® Plus Credit Card from American Express
If you’re looking for a no-annual-fee business credit card with a high credit limit, then you may want to look into the Blue Business® Plus Credit Card from American Express (see rates and fees). This card is also a good option for those who want to finance a large purchase or make a balance transfer because of its introductory offer.
The following table includes the most notable features of the Blue Business® Plus Credit Card:
| Card name | Blue Business® Plus Credit Card from American Express |
| Annual fee | $0 |
| Spending bonuses |
|
The Blue Business® Plus Credit Card from American Express
15,000
Membership Rewards®
after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership
The Blue Business® Plus Credit Card also offers a valuable welcome offer for new cardmembers, which you can earn by spending a certain amount within the first three months after account opening.
Unlike the other cards mentioned in this article, the Blue Business Plus is a traditional revolving credit card with a stated credit limit. However, after periods of responsible use, the limit may be reviewed and raised. Some users have reported credit limits around $75,000 after years of heavy spending and consistent payment history.
Ink Business Premier® Credit Card
The best Chase credit card for many businesses that require a high credit limit is the Ink Business Premier® Credit Card. This card offers two ways to access your credit line: Pay in Full and Flex for Business. While you’re required to pay off your Pay in Full balance each month, your Flex for Business balance can be paid over time with interest. This structure offers the ability to pay your normal expenses interest-free (while earning cashback rewards) as well as the option to access additional capital if needed.
Many users have reported receiving a credit limit between $10,000 and $50,000, with some businesses receiving significantly more.
The following table includes other notable features of the Ink Business Premier:
| Card name | Ink Business Premier® Credit Card |
| Annual fee | $195 |
| Spending bonuses |
|
| Other notable features |
|
Ink Business Premier® Credit Card
$1,000
Bonus cash back
after you spend $10,000 on purchases in the first 3 months from account opening.
Annual Fee: $195
The Chase Ink Business Premier also offers a welcome bonus for new cardholders who spend a certain amount within the first three months after account opening.
It’s worth noting that you may not be eligible for this card if you’ve already had it in the past or if you’re in violation of Chase’s 5/24 rule.
The Bottom Line
If having access to credit at a moment’s notice is essential to your business, then finding the right high-limit business credit card is of the utmost importance. There are many options for business credit cards out there, so you’ll want to understand which ones offer high credit limits and other benefits.
All in all, if business travel is a major expense for your business, then the Amex Platinum or Venture X Business may be the best option for you. If you’d prefer a no-annual-fee credit card, then you may want to look into the Amex Blue Business Plus. Or, if you’d rather have a simple cashback card, then the Ink Business Premier or Capital One Spark Cash Plus might be what you’re looking for.
New to the world of points and miles? The Chase Sapphire Preferred® Card is the best card to start with.
With a bonus of 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. , 5x points on travel booked through the Chase TravelSM Portal and 3x points on restaurants, streaming services, and online groceries (excluding Target, Walmart, and wholesale clubs), this card truly cannot be beat for getting started!
after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Annual Fee:
$895
after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership
once you spend $30,000 in the first 3 months from account opening.
Annual Fee: $395
after you spend $30,000 in the first 3 months
Annual Fee: $150
after you spend $10,000 on purchases in the first 3 months from account opening.
Annual Fee: $195
Editors Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
10xTravel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. All values of Membership Rewards are assigned based on the assumption, experience and opinions of the 10xTravel team and represent an estimate and not an actual value of points. Estimated value is not a fixed value and may not be the typical value enjoyed by card members.
Editors Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
bonus cash back
after you spend $6,000 on purchases in the first 3 months from account opening
miles
once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
bonus points
after you spend $5,000 on purchases in the first 3 months from account opening.
Membership Rewards® Points
after you spend $8,000 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.
