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If you’re a business owner, you know that cash flow is one of the keys to successfully running a business. And the larger your business gets, the more important cash flow becomes to the overall equation.
That’s why getting a business card with a high credit limit can be the difference between growing your business significantly or stagnating.
If you’re spending a lot of money per month on your business, you’ll want to get as high of a credit limit as possible so that your card doesn’t get declined in the moments where you might need it the most.
So, let’s get into our guide on the best business cards with the highest limits. We’ll show you all of the best possible options, especially if you’re interested in getting outsized rewards and travel benefits.
This might seem fairly obvious, but the best business card for those looking to make a considerably large business purchase is one that offers a high limit.
Business cards, in general, offer higher limits than personal cards, but there are tons of other things that set apart the best business cards from all the others.
So, for example, you should be interested in getting a business card that rewards you the most on your business’s purchases. That way, even a small incremental increase in a large overall spending budget adds up in the long run.
Whether you’re spending a ton of money every month on advertising, office supplies, equipment, or shipping, we’ve got you covered.
Let’s take a look at the best business cards with high limits!
| Card | Welcome Bonus and Annual Fee | Benefits |
| The Business Platinum Card® from American Express |
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| American Express® Business Gold Card |
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| Ink Business Preferred® Credit Card |
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| Capital One Spark Cash Plus Card |
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| Capital One Spark Travel Elite Card |
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Terms Apply / Rates & FeesThis card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.
When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.
Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)
Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)
The Amex Business Platinum card is a legendary card that has graced wealthy business owners’ wallets for decades.
This card is loaded with luxury travel benefits and other important perks, including no preset spending limit. Although no preset spending limit doesn’t mean you can spend an unlimited amount of money, your spending power can adjust over time as your business grows, provided you have responsible payment practices, healthy business cash flow, and so on.
That means this card can help business owners spend hundreds of thousands of dollars per month on their expenses without having to worry about a measly credit card declining any purchases past a low credit limit like $10,000.
In addition, you’ll want to pay attention to the earning categories:
The key business categories include:
Additionally, this card offers access to the American Express Global Lounge Collection, which includes these airport lounges:
Enjoy hotel perks with complimentary Hilton Honors Gold and Marriott Bonvoy Gold Elite status, access to Fine Hotels & Resorts and The Hotel Collection, and a 35% airline bonus on select flights booked through Amex Travel.
Plus, there’s a series of useful statement credits included with your Amex Business Platinum card:
Lastly, the Amex Business Platinum card has cell phone insurance, purchase protection, extended warranty, return protection, comprehensive travel insurance perks, and no foreign transaction fees (rates & fees).
Amex Membership Rewards points are truly some of the most lucrative in the business. Those who participate in Membership Rewards will earn points worth 2.2 cents each.
You can redeem your points for statement credits, gift cards, online shopping, charitable donations, and Amex Travel bookings, but you’ll get reduced redemption value.
The best way to get maximum value is to use the American Express transfer partners for luxury award travel; this is the only way you can get upwards of 10 cents per point!
Terms Apply / Rates & FeesGet 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
The American Express® Business Gold Card is excellent at racking up rewards for your business spend.
The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.
Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 110,000 points with the Amex Business Gold card! The current public offer is 70,000 points. (This targeted offer was independently researched and may not be available to all applicants.)
Our runner-up favorite card is the Amex Business Gold card, which also has no preset spending limit. For this reason, many business owners are able to charge hundreds of thousands of dollars per month onto this charge card.
The Amex Business Gold card offers automated rewards through its bonus categories that are adjusted automatically after every billing cycle based on where your business spends the most.
This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):
Amex automatically adjusts these categories, so you don’t need to worry about selecting your categories every month. By maxing out the $150,000 cap every year, you could earn up to 600,000 Amex points, which is worth more than $13,000 by our valuations.
The Amex Business Gold card also comes with basic travel insurance like secondary car rental coverage, trip delay insurance, and baggage insurance.
You’ll also find purchase protection, extended warranty, no foreign transaction fees, and up to 99 total employee cards for no additional annual fee after the first employee card of $50 (rates & fees)
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.
Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.
Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.
The Ink Business Preferred card, which is issued by Chase, is one of the best business credit cards available. Although this is a credit card with a credit limit (as opposed to no preset spending limit), this credit card can offer some impressive credit limits to its cardholders.
We’ve seen credit limits in excess of $100,000 for some cardholders, so this is definitely one of the highest-limit credit cards available for business owners.
The Ink Business Preferred card has a great welcome bonus and the ability to earn 3x Ultimate Rewards points on the first $150,000 in combined business purchases every cardmember year from this list:
Maxing out that $150,000 cap every year translates to earning 450,000 Ultimate Rewards points every year, which is worth around $9,000, based on our valuations.
You will also earn 5x points on Lyft purchases through March 31, 2025.
The other benefits included are the ability to get a 25% redemption bonus on Chase travel portal bookings and Pay Yourself Back, as well as cell phone insurance, travel insurance that includes primary car rental coverage, purchase protection, extended warranty, and no foreign transaction fees.
Lastly, there are no additional annual fees for employee cards.
Just like Amex Membership Rewards points, Chase Ultimate Rewards points are redeemable in many ways.
The best way to use your points is to transfer them to airline and hotel partners for award travel.
If that doesn’t suit you, you can use your Ultimate Rewards points for Pay Yourself Back, Chase travel portal bookings, online shopping, cash-back, gift cards, and charitable donations.
The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners. (Information collected independently. Not reviewed by Capital One.)
The Capital One Spark Cash Plus Card is great for business owners looking to improve their bottom line by earning 2% cash-back on all purchases without a high annual fee. Further, with no preset spending limit, the ability to get your $150 annual fee refunded every year you spend at least $150,000, and free employee cards, there is something that every business owner will love.
The Capital One Spark Cash Plus card is one of the few charge cards issued by Capital One. This particular card has no preset spending limit, and we’ve seen monthly spending limits in the high 6 figures, so it can truly be a game changer.
This card doesn’t allow carrying a balance, though, so that’s something you’ll want to remember before applying for the card.
It offers a welcome bonus, but it’s known for earning 2% unlimited cash-back on every purchase with no limits. It also earns 5% cash-back on hotels and car rentals booked via Capital One Travel.
Every year, you can also get your $150 annual fee refunded if you spend at least $150,000.
Lastly, some other benefits consist of zero fraud liability, roadside assistance, extended warranty, no foreign transaction fees, and fee-free employee cards.
One of the secrets of the Capital One Spark Cash Plus card is that your cash-back rewards can actually be converted to Capital One miles, which is a huge benefit.
Effectively, you can convert your 2% or 5% cash-back into 2x or 5x Capital One miles, which is worth a return on spending of 3.6% or 9%.
In order to do this, you’ll need to also have another Capital One card that earns Capital One miles, such as the Capital One Venture X Rewards Credit Card or the Capital One Venture Rewards Credit Card.
Capital One miles are best used with Capital One’s transfer partners to book award travel, but if you’re willing to settle for less value, you can use your miles for cash-back, gift cards, PayPal, Amazon, and Capital One Travel bookings.
The very last card we’ll discuss is the Capital One Spark Travel Elite card. Although this card isn’t open for public applications (you’ll need to contact your business relationship manager to apply for this card), we feel it’s necessary to highlight this card.
The Capital One Spark Travel Elite card very much resembles the Capital One Venture X card, except for the fact that it has no preset spending limit and is a business card instead of a personal card.
It’s a fantastic choice because it earns up to 10x miles per dollar spent:
Plus, the Capital One Spark Travel Elite card offers an account anniversary bonus of 10,000 miles after every anniversary year.
There’s a $300 Capital One Travel credit, as well as unlimited access to Capital One Lounges, Plaza Premium Lounges, and a complimentary Priority Pass Select membership.
Furthermore, you’ll enjoy up to $100 in statement credits every 4 years for Global Entry/TSA PreCheck application fee reimbursements.
The Capital One Spark Travel Elite card has no personal guarantee, which means this business card doesn’t show up on your personal credit reports (unlike Capital One’s other business cards).
Overall, there are lots of reasons why you’d want a card with a high credit limit as a business owner.
Beyond being able to utilize higher spending power to run your business smoothly on a daily basis, you’ll enjoy the security in knowing that if you occasionally need to make larger, unforeseen purchases, you have wiggle room.
Many different business cards offer high limits, but we’ve outlined 2 Amex cards with no preset spending limits, 1 Chase card known for offering higher credit limits, and 2 Capital One cards with no preset spending limits.
In reality, you have plenty of choices, so make the decision that’s best for you!
For the extended warranty and purchase protection benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the cell phone protection benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the return protection benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details.
For the car rental collision damage coverage benefit of the American Express® Business Gold Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the trip delay insurance benefits of the American Express® Business Gold Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the baggage insurance plan benefit of the American Express® Business Gold Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the extended warranty and purchase protection benefit of the American Express® Business Gold Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
The information regarding the Capital One Spark Travel Elite Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of The Business Platinum Card® from American Express, click here.
For rates and fees of the American Express® Business Gold Card, click here.
In general, business credit cards have higher limits than personal credit cards. Personal credit card spending is usually significantly lower than business credit card spending, which is one of the reasons why business cards usually have high limits.
You can get more business credit by either applying for credit limit increases with your existing business credit card, opening more business credit cards, or increasing your income or business revenue and qualifying for automatic credit limit increases (only offered at some financial institutions).
The Amex Business Platinum card has no preset spending limit. However, that doesn’t mean you can spend an unlimited amount of money. Amex will use lots of different factors to determine how much spending power to allocate to you every month.
Just like the Amex Business Platinum card, the Amex Business Gold card has no preset spending limit. Remember, this card doesn’t allow unlimited spending; rather, Amex adjusts your spending power regularly in line with the information that Amex has about you and your business.
The sky is the limit, honestly. Amex has charge cards, which don’t have preset spending limits, and some of these cards have been used to purchase extremely expensive items, including yachts, expensive art, and much more.
Some Capital One cards have no preset spending limit! These are currently limited to business cards; but if you have a normal credit card such as the Capital One Venture X card, we’ve seen credit limits as high as $75,000 and above.
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Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.
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