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The 5 Best Business Credit Cards With High Limits [2024]

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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

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CardWelcome Bonus and Annual FeeBenefits
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 & fees)
  • No preset spending limit
  • 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)
  • Over $1,000 in statement credits
American Express® Business Gold Card
  • Earn 70,000 points after you spend $10,000 on purchases in the first 3 months.
  • $375 (rates & fees)
  • No preset spending limit
  • 4x points on the top 2 business categories where your business spent the most each billing cycle (terms apply)
Ink Business Preferred® Credit Card
  • NEW OFFER: Earn 100,000 bonus points after you spend $8,000 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)
Capital One Spark Cash Plus Card
  • 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
  • Up to $300 annual Capital One Travel credit

The 5 Best Business Cards With High Limits

The Business Platinum Card® from American Express

OUR BEST OFFER
The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees

The Business Platinum Card® from American Express

U.P. Rating
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!

Learn More(at Amex's secure site)

The Business Platinum Card® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
120,000 points
$2,640
$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.
Good to Excellent (670-850)

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.)

Pros

  • 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)
  • Access to Amex’s Fine Hotels & Resorts program

Cons

  • High annual fee of $695 (rates and fees)
  • Airline fee credit does not cover airfare, only incidentals like checked bags
  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your 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 annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your 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 your 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.
  • $695 Annual Fee.
  • Terms Apply.

Financial Snapshot

  • APR: 19.49% - 28.49% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

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:

  • 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
  • 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:

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 AmexTravel.com.

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).

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 AmexTravel.com 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!

American Express® Business Gold Card

BEST FOR BONUSES
American Express® Business Gold CardTerms Apply / Rates & Fees

American Express® Business Gold Card

U.P. Rating
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).

Learn More(at Amex's secure site)

American Express® Business Gold Card

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.
Good to Excellent (670-850)

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.

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
  • Trip delay insurance
  • Car rental insurance
  • Cell phone insurance

Cons

  • $375 annual fee (rates and fees)
  • 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.
  • *Terms Apply

Financial Snapshot

  • APR: 19.49% - 28.49% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

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):

  • 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)

Ink Business Preferred® Credit Card

NEW OFFER
Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

U.P. Rating
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.

Learn More(at Chase's secure site)

Ink Business Preferred® Credit Card

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.
  • Member FDIC

Financial Snapshot

  • APR: 21.24%-26.24% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

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.

Capital One Spark Cash Plus Card

Capital One Spark Cash Plus CardTerms Apply / Rates & Fees

Capital One Spark Cash Plus Card

U.P. Rating
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.

Capital One Spark Cash Plus Card

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)
  • No foreign transaction fees (rates & fees)
  • Extended warranty coverage
  • Payment flexibility (pick your own due date)

Cons

  • Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months
  • Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
  • Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
  • Get your $150 annual fee refunded every year you spend at least $150,000
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Add employee cards for free, and earn unlimited 2% cash back from their purchases
  • $150 annual fee
  • Spark Cash Plus has no APR because your balance is due in full every month

Financial Snapshot

  • APR: N/A
  • Foreign Transaction Fees: None

Card Categories

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%.

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.

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.

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.

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About Stephen Au

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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