Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.

    The 3 Best Business Credit Cards With High Limits [July 2024]

    We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

    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.

    Top Picks (Quick Summary)

    SCROLL FOR MORE

    Card

    Welcome Bonus and Annual Fee

    Benefits

    The Business Platinum Card® from American Express

    The Business Platinum Card® from American Express

    • ELEVATED OFFER: Earn 150,000 points after spending $20,000 in eligible purchases within the first 3 months.
    • $695 (rates & fees)
    • No preset spending limit*
    • Access to over 1,400 worldwide lounges
    • 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
    American Express® Business Gold Card

    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

    Ink Business Preferred® Credit Card

    • LIMITED TIME OFFER: Earn 120,000 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)
    • Cell phone protection

    The 3 Best Business Cards With High Limits

    1. The Business Platinum Card® from American Express (Top Pick)

    ELEVATED OFFER
    The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees
    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)
    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.
    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.

    Pros
    • 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
    • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
    • 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)
    Cons
    • High annual fee of $695 (rates & fees)
    • 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.
    • $695 Annual Fee.
    • Terms Apply.
    Financial Snapshot
    • APR: 19.49% - 28.49% Variable
    • Foreign Transaction Fees: None
    Rewards Center

    American Express Membership Rewards

    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 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 & fees).

    2. American Express® Business Gold Card (Best for Earnings Lots of Points)

    BEST FOR BONUSES
    American Express® Business Gold CardTerms Apply / Rates & Fees
    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)
    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
    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 up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
    • Your Card – Your Choice. Choose from Gold or Rose Gold.
    • *Terms Apply
    Financial Snapshot
    • APR: 19.49% - 28.49% Variable
    • Foreign Transaction Fees: None
    Rewards Center

    American Express Membership Rewards

    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 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. You’ll also earn 3x points on flights and prepaid hotels booked through Amex Travel, and 1x points on all other eligible purchases.

    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, cell phone protection, 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)

    3. Ink Business Preferred® Credit Card (Best Sub-$100 Annual Fee Card)

    LIMITED TIME OFFER
    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)
    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 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠
    120,000 Points
    $2,400
    $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
    Cons
      • No elite travel benefits like airport lounge access
    • Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 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
    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.

    *No Preset Spending Limit on an American Express card means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

    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. 

    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.

    DMCA.com Protection Status