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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.
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
5x points on flights and prepaid hotels booked through AmexTravel.com
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)
Earn $1,200 cash back once you spend $30,000 in the first 3 months.
$150
No preset spending limit
2% cash-back on all purchases with no caps or limits
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
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
150,000 points
$3,300
$695
19.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
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.
5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
Up to $200 annual airline fee credit on your selected qualifying airline
Statement credits on select purchases with your card
35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
Global Entry or TSA PreCheck application fee credit
Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
Airline fee credit does not cover airfare, only incidentals like checked bags
Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
$189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
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 AmexTravel.com
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
You can redeem your points for statement credits, gift cards, online shopping, charitable donations, and AmexTravel.com bookings, but you’ll get reduced redemption value.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership
70,000 points
$1,540
$375
19.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
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.
Pros
4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
U.S. purchases at gas stations
U.S. purchases at restaurants, including takeout and delivery
Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
Access to Amex’s The Hotel Collection
Purchase protection and extended warranty protection
No elite travel benefits like airport lounge access or elite status
Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
Your Card – Your Choice. Choose from Gold or Rose Gold.
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):
NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
U.S. purchases at gas stations
U.S. purchases at restaurants, including takeout and delivery
Purchases at U.S. media providers for advertising in select media (online, TV, radio)
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 rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
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 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.
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel
100,000 points
$2,000
$95
21.24%-26.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
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.
Pros
3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
Cell phone protection
Purchase protection
Trip cancellation and interruption insurance
Rental car insurance
Extended warranty coverage
Cons
No elite travel benefits like airport lounge access
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Travel℠
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
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.
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 rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners.
The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners.
Earn $1,200 cash back once you spend $30,000 in the first 3 months
$1,200
$150
N/A
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)
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 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 no-additional-fee employee cards, there is something that every business owner will love (rates & fees).
Pros
Unlimited 2% cash-back on all purchases
5% cash-back on hotels and rental cars purchased through Capital One Travel
No preset spending limit
Get your $150 annual fee refunded every year you spend at least $150,000 (rates & fees)
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 no additional fee for 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%.
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.
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 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.
Featured Image Credit: Upgraded Points
Frequently Asked Questions
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.
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.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
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