Do business credit cards have higher limits?

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.

How do I get a large amount of business credit?

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).

Does the Amex Business Platinum card have a limit?

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.

Does the Amex Business Gold card have a limit?

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.

What is the maximum credit limit for American Express?

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.

What is the highest credit limit for Capital One?

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.

The 5 Best Business Credit Cards With High Limits [2023]

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.

Table of contents

What To Look For in a Business Card With High Limits
The 5 Best Business Cards With High Limits — Card Summary
The 5 Best Business Cards With High Limits
Final Thoughts

Table of Contents

What To Look For in a Business Card With High Limits
The 5 Best Business Cards With High Limits — Card Summary
The 5 Best Business Cards With High Limits
Final Thoughts

What To Look For in a Business Card With High Limits

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!

The 5 Best Business Cards With High Limits — Card Summary

Card	Welcome Bonus and Annual Fee	Benefits
The Business Platinum Card® from American Express	Earn 120,000 points after you spend $15,000 on purchases in the first 3 months. $695 (rates and fees)	No preset spending limit Access to over 1,400 worldwide lounges, including Amex Centurion Lounges, Priority Pass (upon enrollment), Plaza Premium Lounges, and more 5x points on flights and prepaid hotels booked through Amex Travel 1.5x points on eligible purchases in key business categories and on purchases of $5,000 or more everywhere else (up to $2 million of these purchases per calendar year) Hotel and car rental elite status (upon enrollment) Over $1,000 in statement credits Comprehensive travel insurance
American Express® Business Gold Card	Earn 70,000 points after you spend $10,000 on purchases in the first 3 months. $295 (rates and fees)	No preset spending limit 4x points on the top 2 business categories where your business spent the most each billing cycle (terms apply) Basic travel insurance
Ink Business Preferred® Credit Card	Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months. $95	3x points on up to $150,000 in combined purchases every cardmember year from select business categories 25% redemption bonus (1.25 cents per point of redemption value on Chase travel portal bookings) Cell phone protection
Capital One Spark Cash Plus Card	Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening. $150	No preset spending limit 2% cash-back on all purchases with no caps or limits $200 annual cash bonus every year you spend $200,000 or more
Capital One Spark Travel Elite Card	Earn up to a 250,000 miles bonus; 50,000 miles once you spend $10,000 in the first 3 months, and another 200,000 miles once you spend $50,000 in the first 6 months of account opening. Annual fee of $395	No preset spending limit 10x miles on hotels and rental cars booked through Capital One Travel 5x miles on flights booked through Capital One Travel 2x miles on other purchases Up to $300 annual Capital One Travel credit Access to Capital One Lounges, Plaza Premium Lounges, and a complimentary Priority Pass Select membership Account anniversary bonus of 10,000 miles Global Entry/TSA PreCheck application fee reimbursement

The 5 Best Business Cards With High Limits

1. The Business Platinum Card® from American Express

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 150,000 points with the Amex Business Platinum card! 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:

5x Membership Rewards points on flights and prepaid hotels booked through Amex Travel
1.5x points on eligible purchases in key business categories, as well as purchases of $5,000 or more everywhere else, up to $2 million in these purchases per calendar year
1x points on other purchases

The key business categories include:

U.S. construction material & hardware suppliers
U.S. electronic goods retailers
U.S. software & cloud system providers
U.S. shipping providers

Additionally, this card offers access to the American Express Global Lounge Collection, which includes these airport lounges:

Centurion Lounges
Delta Sky Clubs (when flying Delta the same day)
Escape Lounges — The Centurion Studio Partner
Select Lufthansa Lounges (when flying Lufthansa the same day)
Plaza Premium Lounges
Priority Pass lounges (upon enrollment)
Select Virgin Atlantic Clubhouses

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:

Up to $200 in airline fee credits
Up to $400 in Dell credits
Up to $360 in Indeed credits
Up to $150 in Adobe credits
Up to $120 in wireless credits
Up to $189 in CLEAR Plus credits
Up to $100 in Global Entry/TSA PreCheck application fee credits

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 and fees).

Why We Like Earning Amex Membership Rewards Points

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!

2. American Express® Business Gold Card

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.

Beyond the Amex Business Gold card’s welcome bonus, you’ll earn 4x Membership Rewards points per month on up to $150,000 in purchases per calendar year on the top 2 categories where your business spends the most every billing cycle:

Airfare purchased from airlines
U.S. purchases at gas stations
U.S. purchases at restaurants
U.S. purchases for advertising in select media
U.S. purchases for shipping
U.S. purchases made from select technology providers of computer hardware, software, and cloud solutions

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 and fees)

3. Ink Business Preferred® Credit Card

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:

Advertising purchases with social media sites and search engines
Internet, cable, and phone services
Shipping purchases
Travel

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.

Why We Like Earning Chase Ultimate Rewards Points

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.

4. Capital One Spark Cash Plus Card

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 qualify for a $200 annual cash bonus when you spend $200,000 or more.

Lastly, some other benefits consist of zero fraud liability, roadside assistance, extended warranty, no foreign transaction fees, and fee-free employee cards.

Why We Like Earning Capital One Miles

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.

5. Capital One Spark Travel Elite Card

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:

10x miles on hotels and car rentals booked via Capital One Travel
5x miles on flights booked via Capital One Travel
2x miles on other purchases

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).

Final Thoughts

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 Spark Cash Plus 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.

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.

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The 5 Best Business Credit Cards With High Limits [2023]

What To Look For in a Business Card With High Limits

The 5 Best Business Cards With High Limits — Card Summary

The 5 Best Business Cards With High Limits