The 3 Best Business Credit Cards With High Limits [September 2023]

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)

Card	Welcome Bonus and Annual Fee	Benefits
The Business Platinum Card® from American Express	OUR BEST OFFER: 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 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	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)
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) Cell phone protection

The 3 Best Business Cards With High Limits

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

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 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:

Enjoy hotel perks with complimentary Hilton Honors Gold and Marriott Bonvoy Gold Elite status, access to Fine Hotels & Resorts and The Hotel Collection, and a 35% airline bonus on select flights booked through Amex Travel.

Plus, there’s a series of useful statement credits included with your Amex Business Platinum card:

Lastly, the Amex Business Platinum card has cell phone insurance, purchase protection, extended warranty, return protection, comprehensive travel insurance perks, and no foreign transaction fees (rates and fees).

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.

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):

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

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.

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.