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    The 8 Best High Limit Credit Cards in September 2023

    The 8 Best High Limit Credit Cards in September 2023

    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.

    Best High Limit Credit Cards for Good to Excellent Credit

    Chase Sapphire Preferred® Card (Top Pick)

    Chase Sapphire Preferred® Card

    Chase Sapphire Preferred® Card

    U.P. Rating
    The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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.

    A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

    Learn More(at Chase's secure site)

    Chase Sapphire Preferred® Card

    A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
    60,000 points
    $1,200
    $95
    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 Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

    Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

    Pros

    • 5x points on all travel booked via the Chase Ultimate Rewards portal
    • 5x points on select Peloton purchases over $250 (through March 31, 2025)
    • 5x points on Lyft purchases (through March 31, 2025)
    • 3x points on dining purchases, online grocery purchases, and select streaming services
    • 2x points on all other travel worldwide
    • $50 annual credit on hotel stays booked through the Chase Ultimate Rewards portal
    • 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
    • Excellent travel and car rental insurance
    • 10% annual bonus points
    • No foreign transaction fees
    • 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
    • Complimentary Spot Club Platinum status with The Parking Spot for 2 years, 20% off of your first reservation, and points for 1 free day of parking (enroll by October 26, 2023)

    Cons

    • $95 annual fee
    • No elite benefits like airport lounge access or hotel elite status
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
    • Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Chase Ultimate Rewards

    If your income is sufficient and your credit history strong enough, you could end up with a credit limit of $100,000 (or more) on the Chase Sapphire Preferred card. One of our favorite travel credit cards also charges a relatively low annual fee for being such a credit powerhouse.

    We like the Chase Sapphire Preferred card for its generous welcome bonus, the ability to earn valuable Ultimate Rewards points, and its flexible redemption options that offer great value for your rewards. You’ll also find its collection of travel benefits, such as primary car rental insurance, some of the best.

    Capital One Venture Rewards Credit Card

    Capital One Venture Rewards Credit CardTerms Apply / Rates & Fees

    Capital One Venture Rewards Credit Card

    U.P. Rating
    The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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 2x miles plus some of the most flexible redemptions offered by a travel credit card!

    Learn More(at Capital One's secure site)

    Capital One Venture Rewards Credit Card

    Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
    Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
    75,000 miles
    $1,350
    $95
    21.24% - 29.24% (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 Credit (670-850)

    As a frequent traveler with excellent credit, you’re always on the lookout for a credit card that comes with all the bells and whistles. And the easier it is to understand, the better!

    The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great sign-up bonus, high rewards rates, and flexible redemption options.

    Pros

    • 5x miles per $1 on hotels and rental cars booked through Capital One Travel
    • 2x miles per $1 on all other purchases
    • 2 complimentary visits to a Capital One Lounge or Plaza Premium Lounges each year
    • Global Entry or TSA PreCheck credit
    • No foreign transaction fees
    • Access to Capital One transfer partners

    Cons

    • $95 annual fee
    • Limited elite benefits
    • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
    • Earn unlimited 2X miles on every purchase, every day
    • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
    • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
    • Receive up to a $100 credit for Global Entry or TSA PreCheck®
    • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
    • Use your miles to get reimbursed for any travel purchase – or redeem by booking a trip through Capital One Travel
    • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
    • Transfer your miles to your choice of 15+ travel loyalty programs

    Financial Snapshot

    • APR: 21.24% - 29.24% (Variable)
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Capital One Miles

    With its simplistic earning feature and 2 miles earned for every dollar spent on the card, the Venture card won’t have you wasting your time managing a complicated earning structure.

    Additionally, cardholders can redeem their miles for any recent, travel-related purchase (such as vacation rentals, flights with any airline, hotels, rental cars, cruises, etc) or transfer their miles to Capital One’s many travel loyalty program partners.

    Best High Limit Credit Cards With No Annual Fee

    Ink Business Unlimited® Credit Card (No Annual Fee Business Card, LOW Intro APR)

    NEW OFFER
    Ink Business Cash® Credit Card

    Ink Business Cash® Credit Card

    U.P. Rating
    The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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 Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

    Learn More(at Chase's secure site)

    Ink Business Cash® Credit Card

    The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
    Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
    $900
    $900
    $0
    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)

    As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

    If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

    Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

    Pros

    • 1.5% cash-back on all purchases
    • No annual fee
    • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
    • Employee cards at no additional cost
    • Earn flexible rewards

    Cons

    • 3% foreign transaction fee
    • Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
    • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
    • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back 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.
    • No Annual Fee
    • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
    • 0% introductory APR for 12 months on purchases
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Another superb credit card with high limits and no annual fee is the Ink Business Unlimited card, which is issued by Chase. Although it’s generally not possible to get 6-figure credit limits from this card right off the bat upon approval, you can certainly work your way up to it.

    For example, if you’re initially approved for $40,000 but your business grows and you pay off your card in full every month, you can request credit limit increases. You’ll typically be asked to submit tax returns and other additional documentation once you cross the $150,000 credit limit threshold.

    A promotion of 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, is also available. You can add employee cards for no additional annual fees, too.

    Chase Freedom Unlimited® (Best No Annual Fee Option, LOW Intro APR)

    Chase Freedom Unlimited®

    Chase Freedom Unlimited®

    U.P. Rating
    The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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 all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

    Learn More(at Chase's secure site)

    Chase Freedom Unlimited®

    This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
    Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back.
    Additional 1.5% cash-back
    $0
    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 Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

    When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

    Don’t forget too, there’s 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.

    Pros

    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
    • 5% back on travel purchased through Chase Ultimate Rewards
    • 3% back on dining and drugstore purchases
    • 1.5% back on all other purchases
    • No annual fee
    • Earn big on travel purchased through Chase Ultimate Rewards
    • Everyday bonus on dining and drugstores
    • Straightforward cash-back on all other purchases
    • Ability to pool points

    Cons

    • 3% foreign transaction fee
    • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
    • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
    • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
    • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
    • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
    • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
    • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Chase Ultimate Rewards

    It’s hard to believe, but true, that the no-annual-fee Freedom Unlimited card can come with a high credit limit. Evidence shows that the card has been issued with as much as a $20,000 credit limit.

    The card also offers 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.

    Best Cards Without Specified Limits (For Good to Excellent Credit)

    The Platinum Card® from American Express (No Preset Spending Limit; Best Worldwide Lounge Access Card)

    The Platinum Card® from American ExpressTerms Apply / Rates & Fees

    The Platinum Card® from American Express

    U.P. Rating
    The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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 undoubtedly the #1 card for luxury travel benefits. From the best lounge access (of any card) to statement credits, to complimentary elite status, you can’t go wrong.

    Learn More(at Amex's secure site)

    The Platinum Card® from American Express

    This card is undoubtedly the #1 card for luxury travel benefits. From the best lounge access (of any card) to statement credits, to complimentary elite status, you can’t go wrong.
    Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.
    80,000 points
    $1,760
    $695
    See Pay Over Time APR
    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)

    When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.

    Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

    Pros

    • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
    • 5x points per $1 spent on flights purchased directly with the airline or with American Express Travel (up to $500,000 per year)
    • 5x points per $1 spent on prepaid hotels booked with American Express Travel
    • Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
    • TSA PreCheck or Global Entry credit
    • Access to American Express Fine Hotels and Resorts
    • Access to Amex International Airline Program
    • No foreign transaction fees (rates and fees)

    Cons

    • $695 annual fee (rates and fees)
    • Airline credit does not cover airfare (only incidentals like checked bags)
    • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
    • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
    • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
    • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
    • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
    • $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 your Platinum Card®.
    • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
    • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
    • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
    • $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
    • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
    • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
    • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
    • $695 annual fee.
    • Terms Apply.

    Financial Snapshot

    • APR: See Pay Over Time APR
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    American Express Membership Rewards

    Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

    The Amex Platinum card has no preset spending limit and is possibly the most prestigious card that you can get that’s publicly available (without needing an invite). Using this card, you can earn up to 5x points on select airfare and hotel purchases and enjoy the best luxury travel benefits out there.

    For example, you have access to the American Express Global Lounge Collection, which offers access to more than 1,400 airport lounges around the world. Then, you’ll get complimentary hotel and rental car elite status: Hilton Honors Gold, Marriott Bonvoy Gold Elite, National Executive, Hertz President’s Circle, and Avis Preferred.

    You also get a variety of statement credits as a card member:

    • Up to $200 in airline fee credits every year
    • Up to $200 in prepaid hotel credits every year (Amex Fine Hotels & Resorts and The Hotel Collection)
    • Up to $100 in Saks Fifth Avenue credits every year
    • Up to $200 in Uber Cash every year
    • Up to $300 in Equinox credits every year
    • Up to $240 in digital entertainment credits every year
    • Up to $189 in CLEAR credits every year
    • Up to $100 Global Entry or up to $85 TSA PreCheck application fee statement credit every 5 years

    Hot Tip: We’ve seen monthly spending limits as high as $500,000 with this 1 card alone, though it’s almost impossible for Amex to give it to you immediately. You may initially be approved for a lower spending limit, but as you build your relationship with Amex, you’ll notice your spending limit can increase year over year.

    American Express® Gold Card (No Preset Spending Limit; Best for Points on Everyday Spending)

    American Express® Gold CardTerms Apply / Rates & Fees

    American Express® Gold Card

    U.P. Rating
    The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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 is the go-to card for food lovers who dine out at restaurants and those who want big rewards at U.S. supermarkets!

    Learn More(at Amex's secure site)

    American Express® Gold Card

    This is the go-to card for food lovers who dine out at restaurants and those who want big rewards at U.S. supermarkets!
    Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
    60,000 points
    $1,320
    $250
    See Pay Over Time APR
    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® Gold Card is definitely a game-changer.

    With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

    There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are a number of other benefits of the Gold Card as well, including extra monthly dining rewards and more.

    Pros

    • 4x points per $1 at restaurants, plus takeout and delivery in the U.S.
    • 4x points per $1 at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
    • 3x points per $1 on flights purchased directly from airlines or at Amex Travel
    • Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations
    • Up to $120 in annual Uber Cash: get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
    • No foreign transaction fees (see rates and fees)
    • Access to Amex’s The Hotel Collection
    • Access to American Express transfer partners

    Cons

    • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
    • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
    • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
    • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
    • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
    • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
    • Choose the color that suits your style. Gold or Rose Gold.
    • No Foreign Transaction Fees.
    • Annual Fee is $250.
    • Terms Apply.

    Financial Snapshot

    • APR: See Pay Over Time APR
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    American Express Membership Rewards

    Even though the Amex Platinum card is considered to be one of the most prestigious, the Amex Gold card is actually one of the best cards for everyday spending.

    That’s because it earns up to 4x points on your purchases in an array of categories:

    • 4x points at restaurants worldwide, including takeout and delivery in the U.S.
    • 4x points at U.S. supermarkets (up to $25,000 in purchases per calendar year)
    • 3x points on flights booked directly with airlines or through Amex Travel
    • 1x points on other purchases

    In addition, you’ll get up to $120 in dining credits every year (up to $10 per month) at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations (enrollment required). There’s also an Uber Cash benefit where you can get $10 in Uber Cash every month (up to $120 per year), which can be used for Uber Eats orders or Uber rides in the U.S.

    Hot Tip: This card also has no foreign transaction fees (rates and fees), secondary rental car insurance, baggage insurance, and, of course, no preset spending limit.

    Best Business Cards With High Limits or No Specified Limits

    Ink Business Preferred® Credit Card (Best Overall Business 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 industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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 100,000 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 Ultimate Rewards.
    100,000 points
    $2,000
    $95
    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 Ultimate Rewards®
    • 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 Ultimate Rewards®
    • 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

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Chase Ultimate Rewards

    The fact that the Ink Business Preferred card has 3x earnings on the first $150,000 spent each year on select business categories tells you it sits towards the top of the list of cards offering a high credit limit.

    Earning is easy with common business purchases such as shipping, social media and search engine advertising, cable, internet, and phone, and travel purchases all earning 3x points. Ultimate Rewards points have flexible redemption options as well including 25% more value via the Ultimate Rewards travel portal and the ability to transfer points to Chase’s travel partners for even greater value.

    The Business Platinum Card® from American Express (Best Business Card for Worldwide Lounge Access)

    If you own a business and manage high cash flow, you’ll want a card that can keep up. Of course, this card has no preset spending limit, purchase protection, extended warranty, and much more.

    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 industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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% - 27.49% 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% - 27.49% 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 card excels with premium travel benefits such as worldwide airport lounge access that includes Centurion lounges, statement credits for specific purchases, and hotel and car rental elite status.

    For Hertz benefits of Capital One products, enrollment is required through Capital One website or mobile app. Upon enrollment, eligible cardholders will remain at upgraded status level through December 31, 2024.  Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier.  Additional terms apply.

    For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

    For rates and fees of The Platinum Card® from American Express, click here.
    For rates and fees of the American Express® Gold Card, click here.
    For rates and fees of The Business Platinum Card® from American Express, click here.

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