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Best High Limit Business Credit Cards

Review Updated
Ashley Maready
Ashley Maready
| 1 other [ + ]
Nathan Alderman
Fact Checked: Nathan Alderman
Nathan Alderman
Nathan Alderman
Fact checker

Nathan Alderman has been a full-time Motley Fool employee since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation.

A business credit card can do your company's finances a world of good. You can earn rewards (like cash back, points, and even travel miles) on your spending for bills, supplies, and other purchases. It'll be easier to keep your business and personal spending separate, making tax time much easier. And the best business credit cards offer perks like travel insurance, spending credits, and more.

But if your business has high expenses, you might want to target a high limit business credit card specifically. Read on for our picks for the best high limit business credit cards to choose one that's right for you, and enjoy the flexibility they can give your company's cash flow.

Best high limit business credit cards

Best for unlimited flat-rate rewards: Ink Business Unlimited® Credit Card

Ratings Methodology

Ink Business Unlimited® Credit Card

Great for: Unlimited flat-rate rewards

Apply Now for Ink Business Unlimited® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Ink Business Unlimited® Credit Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Ink Business Unlimited® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular APR

17.49% - 23.49% Variable

Rewards Circle with letter I in it. Earn unlimited 1.5% cash back on every purchase made for your business

Earn unlimited 1.5% cash back on every purchase

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Earn $750 bonus cash back

  • This card is a cost-effective option for businesses of all sizes. There is no annual fee, yet offers an attractive $750 welcome bonus & unlimited 1.5% cash back on every purchase — that is a straightforward way to earn cash back on everyday business expenses. Plus, you can add employees cards for no extra cost. No wonder it's one of the most popular business cards we've reviewed.

    Read Full Review
    • Big cash back sign-up bonus
    • Competitive cash back rate
    • Great intro APR
    • No annual fee
    • Free employee cards
    • No bonus categories
    • Foreign transaction fee
    • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
    • Earn unlimited 1.5% cash back on every purchase made for your business
    • No Annual Fee
    • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
    • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
    • 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.
    • 0% introductory APR for 12 months on purchases
    • Member FDIC

Why we picked it: You can earn an unlimited 1.5% cash back on every purchase, with no caps. This Chase card also has a solid welcome offer, and you can get free cards for your employees at no cost. The card's terms note that the minimum credit limit for it is $3,000, and limits over $25,000 may require additional information from a prospective cardholder, so this card has the potential to support big spending.

What to watch for: This is a card without an annual fee, but if you're willing to pay one, you can earn higher rewards on your spending.

Best for big rewards on business-centric spending: Ink Business Preferred® Credit Card

Ratings Methodology
Award Icon 2025 Award Winner

Ink Business Preferred® Credit Card

Great for: Big rewards on business-centric spending

Apply Now for Ink Business Preferred® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Ink Business Preferred® Credit Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Ink Business Preferred® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.24% - 26.24% Variable

Rewards Circle with letter I in it. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.

Earn 3 points per $1 in select business categories

Annual Fee Circle with letter I in it. N/A

$95

Welcome Offer Circle with letter I in it. Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Earn 90,000 bonus points

  • This card offers excellent earning potential for businesses looking to earn valuable rewards on everyday expenses. You’ll earn 3X points on travel, shipping, and advertising purchases (up to $150,000 per year), making it a great fit for businesses that invest in growth. With an impressive 90,000-point welcome bonus and access to the Chase Ultimate Rewards® ecosystem, this card helps you maximize rewards. Plus, we like that points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®, further boosting the card’s value.

    Read Full Review
    • Huge sign-up bonus
    • Advertising rewards
    • Shipping rewards
    • Cell phone protection
    • Flexible travel points
    • Card perks
    • Annual fee
    • No intro APR offer
    • Spending minimum for sign-up bonus
    • Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 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

Why we picked it: If your business spends a lot on shipping, advertising, and internet service, you can earn 3X points per $1 on it with this card. If you take your business on the road, you'll enjoy the same rate on travel spending. And the points you earn are worth 25% more when redeemed through Chase's travel portal. This card's terms note that the minimum credit line you'll be given is $5,000, and limits of $25,000 and up require more information from a prospective cardholder -- so you could certainly cover a lot of expenses with this card.

What to watch for: The minimum spend to earn the card's welcome offer is pretty high --
$8,000 in 3 months. If your business doesn't typically spend like this, you could miss the mark.

Best for very high spending: Capital One Spark Cash Plus

Ratings Methodology

Capital One Spark Cash Plus

Great for: Very high spending limit

Apply Now for Capital One Spark Cash Plus

On Capital One's Secure Website.

Rates & Fees External Link Icon

Capital One Spark Cash Plus
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Excellent (740-850)
Apply Now for Capital One Spark Cash Plus

On Capital One's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Excellent (740-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

N/A

Rewards Circle with letter I in it. Earn unlimited 2% cash back for your business on purchases, no limits or category restrictions; plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

2% - 5% cash back

Annual Fee

$150

Welcome Offer Circle with letter I in it. $2000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year

$2000 Cash Back

  • This card is built for businesses with significant expenses that want high-value rewards. You’ll earn unlimited 2% cash back on every purchase, plus 5% cash back on hotels and rental cars booked through Capital One Travel. If you spend over $150k annually, your annual fee will be refunded, and we love that in your first year alone, you could earn over $4,000 in cash bonuses -- the largest welcome offer Capital One has ever provided for this card.

    Read Full Review
    • Big welcome offer
    • 2% cash back
    • Free employee credit cards
    • No foreign transaction fee
    • Potential annual spending bonus
    • Annual fee
    • Pay-in-full card
    • Personal guarantee
    • Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
    • Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
    • Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
    • Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
    • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
    • Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
    • $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
    • Spark Cash Plus has no APR because your balance is due in full every month
    • For businesses that need large spending capacity and want to maximize cash back

Why we picked it: If your business has you spending a ton, the Capital One Spark Cash Plus is worth a closer look. Spend more than $150,000 per year, and your annual fee of $150 (see rates and fees) will be refunded. This card earns an unlimited 2% cash back across all purchases (and 5% back on hotels and rental cars booked through Capital One Travel). And it's another card without a preset spending limit.

What to watch for: This is a pay-in-full card, which means you cannot carry a balance from month to month. If you do, you'll be charged a late fee and Capital One will consider your account past due until the balance is paid off in full.

Benefits of getting a high limit business credit card

There are a few ways having a higher limit on a credit card can benefit your business.

Higher spending capacity

Simply put, the reason to get a high limit business credit card is to be able to spend more on the card. Just like with personal credit cards, you need to be mindful of the balance you're putting on your cards, to ensure you can pay it off every month. Some of the cards on our list don't have any preset spending limit -- but charges must be paid off monthly or you'll incur a late fee or other penalty.

Flexibility

Having a higher credit limit can give your business a lot of flexibility, especially if your earnings and expenses vary from month to month. If you operate a seasonal business with more bills (and income) during the summer months, that high credit limit will let you cover your expenses with ease, and then pay them off as you get paid.

During your slow season, keep the card active by making smaller purchases and paying regular bills, and gear up to use more of your high credit limit again during the busy season.

Building credit

A high credit limit can also help you build credit, especially if your limit is much higher than you need to use most or all of the time. Higher credit utilization (the amount of your credit you're using relative to your limit) can hurt your credit score, and could look to credit card issuers as if you're having trouble managing cash flow and expenses.

If you've got a $50,000 limit on your business credit card, but seldom use more than $10,000 of it at a time, you'll maintain a low credit utilization ratio of just 20%. (Ideally, you should keep this figure below 30% to benefit your credit score -- but the lower, the better.)

What types of businesses should consider a high limit card?

If you run a very small side hustle that sees you spending just a few hundred dollars (or less) per month for your business, there's certainly no harm in targeting a credit card with a higher limit. But businesses that can really benefit from these cards are those with high monthly spending.

If your business spends a lot on supplies, utility bills, and possibly even rent for a space every month (provided you can pay this bill with a credit card without penalty), a high limit credit card gives you the ability to cover big regular expenses with ease. If you also occasionally have larger bills in a given month (say, you need to make a big supply order twice a year), a higher limit card can support this.

If you're starting a new business that will have a lot of upfront costs (like a brick-and-mortar store or a restaurant), and your personal credit is sufficient to qualify for a high limit card (more on that below), it could be worth targeting one. You'll have the flexibility to purchase supplies and equipment with your higher credit limit.

Depending on the card you choose, you may even get an intro 0% APR offer. This'll give you the ability to pay off the charges over time without paying interest.

TIP

Consider this:

If you'll need to finance upfront purchases for longer than a year (which is a fairly typical 0% intro APR period for a business credit card), you might want to look into small business loans instead. These charge interest right from the jump, but it'll be lower than a credit card's go-to APR and you'll have a fixed timeline and payment amount.

How to choose the right high limit business credit card

Here are a few factors to consider if you're weighing different business credit card options.

Expected credit limit

You're looking for a high limit credit card specifically, so see what you can find out about a given card's expected credit limit. Unfortunately, many credit card issuers don't publicize the credit limit ranges for their cards, and you must do some detective work. Search the internet for credit card forums where real-life business owners discuss the limits they've gotten on cards.

If you're looking for a card with no preset spending limit, like several on our list here, you won't need to worry about a credit limit in the traditional sense. But the amount you're allowed to spend on the card can fluctuate based on your spending habits and behavior.

Rewards program

This is the real meat and potatoes, and should be the main reason you're considering a given business credit card. What kind of rewards does it earn? You could be signing up to earn points, miles, or just straight cash back on your spending.

Points or miles earned on a travel rewards business card are best redeemed for travel expenses, as they tend to be worth more that way than as cash. But cash rewards can directly lower your credit card bills, which can improve your company's bottom line, plus they are often easier to parse.

If you're not already comfortable with managing credit card points or miles, a cash back card (or one that doesn't offer less value for points redeemed as cash) might be the way to go.

Welcome offer

Many of the best business credit cards come with a sign-up bonus that could be worth hundreds of dollars in cash back, points, or miles. You'll just need to meet a spending requirement within the first several months with the card.

The welcome offer shouldn't be the main factor you consider to choose a card, but it can sweeten the deal. Just don't let a sweet sign-up bonus tempt you to spend beyond what you normally would with the card. Playing catch-up with high credit card bills can mean a big hit to your business checking account.

Annual fee

How much will the card cost you every year? If you're considering high limit cards specifically, you may not be terribly worried about an annual fee -- the odds are, your business earns enough money to justify big spending on a credit card, after all.

That said, still decide whether a card's annual fee will be outweighed by the rewards and benefits offered by the card. You don't want to waste money on an annual fee for a card that isn't a fit for your needs.

Other benefits

Finally, dig into the fine print (our reviews of business credit cards cover these details) to see what other perks you might enjoy with a given card. If you're looking at travel rewards business cards, added perks could include airport lounge access, free checked bags, or travel insurance. Rewards and cash back business credit cards might come with cellphone insurance, extended warranty coverage, and purchase protections.

None of these extra perks should be the absolute deciding factor for a particular card, but considering them can help you move the needle if you're choosing between a few cards.

How to apply and sign up

Applying for a high limit business credit card won't be measurably different from applying for a personal card -- you just might need a little more information for the application.

Choose your card and review your bona fides

Reviewing our list of cards above is a good way to get the ball rolling with choosing the right card for your business. Weigh all the factors discussed above.

And while you're at it, check your credit score (you likely have access to it through a personal credit card or bank account) to assess your chances of approval.

By nature, high limit business credit card issuers target business owners with strong credit scores. A high credit score (generally a FICO® Score of 670 or above) means you've shown that you can handle borrowed money responsibly by making payments on time and not carrying too much debt.

Complete the application

Applying for a high limit business credit card is much the same as applying for a personal credit card. You'll likely need the following information:

  • Business name: This could be your own name, if you're a sole proprietor.
  • Business address: Your business' location, which could be your home address.
  • Tax ID number: You may not have one for your business; in this case, you'd use your own Social Security number.
  • Business revenue: How much money does your business earn in a year? If you're applying for a high limit card, the issuer will likely expect to see a high number to support that credit limit.
  • Other business details: Do you have employees? How long have you been in business? What's the structure of your business (sole proprietor, LLC, corporation)?

See if you get approved

If your application is approved, you'll likely receive your new card within a few business days. Some issuers offer access to a digital version of the card (that you can add to a digital wallet on your smartphone) immediately upon approval.

In some cases, you might not get an instant approval or denial, but your application may need to be reviewed by the card issuer -- this could take a few days. If you get denied, you'll receive documentation in the mail explaining why. If your credit score or other financial factors were the problem, you can work on improving them and apply again in the future. In the meantime, consider business credit cards for no credit.

A high limit business credit card offers a lot of benefits to you as a business owner. Take the time to choose the right one for your needs.

Compare high limit business credit cards

The Picks
Card Rating Great For
Graphic of Ink Business Unlimited® Credit Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Unlimited flat-rate rewards
Award Icon 2025 Award Winner
Graphic of Ink Business Preferred® Credit Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Big rewards on business-centric spending
Graphic of Capital One Spark Cash Plus
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Very high spending limit

Credit card methodology

At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

Our highest-rated credit cards have:

  • A rewards rate above 2% (or 2x points or miles) with average spending, or competitive 0% intro APR balance transfer and purchase offers
  • Attainable welcome bonuses that make up for any annual fees
  • Low annual fees or a balance transfer fee of 3%
  • Top perks such as purchase and travel protections, no foreign transaction fees, travel credits, and status upgrades

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.