Best High-Limit Business Credit Cards of 2024
Best High-Limit Business Card for Flexible Rewards
Ink Business Preferred® Credit Card
On Chase Bank USA, NA's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 3X Reward Rate
Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable andRead More
Welcome Bonus
Earn 120,000 bonus points
Annual Fee
$95
Regular APR
21.24%-26.24% Variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
Beyond its high credit limit, the Ink Business Preferred® Credit Card ranks atop a number of our lists, including the best business credit cards due to its stellar rewards system and travel benefits.
Why We Like It
The minimum credit line on the Ink Preferred is $5,000, so anyone approved for the card can count on a reasonable limit. Some businesses could be approved for much more. Plus, the nominal $95 annual fee on the Ink Preferred shouldn’t make a big dent in the rewards potential of those seeking a high-volume purchase card.
Beyond the credit line, you’ll also be pleased with the Chase Ultimate Rewards® program, where points redeemed through Chase Travel℠ are worth 25% more. For added flexibility, you can transfer points to Chase’s travel partners, as well. A strong welcome bonus is also attractive—and a business needing a high limit should have no trouble meeting the spending requirements to earn it.
What We Don’t Like
The bonus rewards categories may work well for traditional businesses. But if your highest spending isn’t on travel, telecom or office essentials, you may find the reward structure doesn’t add up.
Who It’s Best For
The Chase Ink Preferred works best for companies with hefty travel spending who are willing to redeem points to cover additional travel—to max out rewards potential.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
In this age of digital media, many small business owners find themselves spending significant money on social media ads. That makes the Ink Business Preferred and its bonus earning on advertising purchases with social media sites and search engines incredibly valuable. Plus, you’ll be able to transfer your rewards to any of Chase’s airline and hotel partners directly from the card without needing to combine them with any other personal Chase card.
Pros & Cons
- Remarkable welcome bonus
- No foreign transaction fees
- Employee cards at no additional cost
- Rewards for common business expenses
- Has an annual fee
- Rewards cap on high-earning categories
- Potential gaps in reward coverage for key business categories
Card Details
- 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
Earn 120,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Cash-Back High-Limit Business Credit Card
Capital One Spark Cash Plus *
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 5X Reward Rate
Earn unlimited 2% cash back on all purchases. Plus, earn unlimited 5% cash back on hotels and rental cars bookedRead More
Welcome Bonus
Earn a $1,200 cash bonus
Annual Fee
$150
Regular APR
N/A
Credit Score
Excellent(750 - 850)
Our Expert Take
The Capital One Spark Cash Plus*has no preset spending limit, which could be ideal for businesses that occasionally need to make a large purchase (or set of purchases).
Why We Like It
Unlimited, flat-rate cash back is the main draw to this card, with a sizable welcome bonus if you spend enough. High spenders will also have their annual fee refunded after spending at least $150,000, which is a nice extra perk.
The rewards are simple to earn and redeem. For those looking to reduce their bottom line, the cash-back rewards may save time and money compared to more complex redemption structures.
What We Don’t Like
Beware, this is a pay-in-full charge card, meaning the full statement balance must be paid every month to keep your account in good standing and to avoid a high late fee. So even though it has no preset credit limit, you’ll need to commit to only charging what you can immediately afford.
Who It’s Best For
The Capital One Spark Plus is a real winner for businesses with over $150,000 in annual spending—you’ll get all the perks with no annual fee.
Expert Commentary
Lee Huffman
Credit Cards Expert Writer
Lee Huffman spent 18 years as a financial planner and corporate finance manager before quitting his corporate job to write full time. He has been writing about early retirement, credit cards, travel, insurance and other personal finance topics since 2012. He enjoys showing people how to travel more, spend less and live better by taking control of their finances. When Lee is not getting his passport stamped around the world, he's researching methods to earn more miles and points toward his next vacation.
Lee Huffman
Lee Huffman
Credit Cards Expert Writer
Lee Huffman spent 18 years as a financial planner and corporate finance manager before quitting his corporate job to write full time. He has been writing about early retirement, credit cards, travel, insurance and other personal finance topics since 2012. He enjoys showing people how to travel more, spend less and live better by taking control of their finances. When Lee is not getting his passport stamped around the world, he's researching methods to earn more miles and points toward his next vacation.
Credit Cards Expert Writer
This card offers huge value for businesses that spend heavily. However, they must be able to pay off their purchases in full each month to avoid its massive late fee penalties.
Pros & Cons
- High 2% cash-back rate applies to all purchases
- Earn unlimited 5% on hotels and rental cars booked through Capital One Travel
- Free employee cards
- No foreign transaction fees
- No intro APR offer
- Card balances must be paid in full each month
Card Details
- Earn a $1,200 cash bonus after spending $30,000 in the first three months
- Earn unlimited 2% cash back for your business on every purchase with no limits or category restrictions
- $150 annual fee
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- Get your annual fee refunded every year you spend $150,000
- Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
Earn a $1,200 cash bonus after spending $30,000 in the first three months.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best High-Limit Business Card for Travel Perks
The Business Platinum Card® from American Express
On American Express's Website
4.6
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 5X Reward Rate
Get 5X Membership Rewards® points on flights and prepaid hotels on American Express Travel; Earn 1.5X points on eligible purchasesRead More
Welcome Bonus
Earn 150,000 points
Annual Fee
$695
Regular APR
19.49% - 28.49% Variable
Credit Score
Good,Excellent(700 - 749)
Our Expert Take
The Business Platinum Card® from American Express offers bonus rewards on transactions over $5,000, making it good for those who regularly make large purchases. There’s also no preset spending limit*, which may prove useful in high-expense months.
Why We Like It
The Business Platinum Card® from American Express is a major draw for travelers, thanks to its wide range of extra benefits. From statement credits on airline incidentals to automatic elite status with select hotel and car rental partners, you can make out like a bandit. Airport lounge access, trip protections¹ and points rebates on some award airfare redemptions are other perks.
The increased welcome bonus and business statement credits could significantly offset the annual fee, for those whose spending aligns with these offers.
What We Don’t Like
Beyond travel and purchases of $5,000, the rewards on this card are lackluster. Considering the steep annual fee, you might expect a more universal reward structure. If you don’t book travel through American Express Travel or you have numerous smaller charges, look elsewhere.
Who It’s Best For
The Business Platinum Card® from American Express is worth considering if your most frequent purchases exceed $5,000 and you travel regularly.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
The 35% points rebate is the quiet hero of this card. It makes essentially any first or business class redemption guaranteed to be worth 1.5 cents per point (along with all tickets on the airline of your choice). In an era where award availability can be hard to find, that’s a feature you’ll likely find yourself utilizing on a regular basis.
Pros & Cons
- Excellent welcome bonus
- A slew of potential statement credits
- Extensive airport lounge access
- Rich suite of travel perks
- High spending requirement to earn welcome bonus
- Annual fee and additional cardholder fees are very high
- Limited spending bonus categories
- Some credits are doled out in increments, making them harder to use
Card Details
- 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 yearof membershipwiththe 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 theCard.
- $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.
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.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best High-Limit Business Credit Card Welcome Bonus
Venture X Business *
4.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Welcome Bonus
Earn 150,000 bonus miles
Annual Fee
$395
Regular APR
N/A
Credit Score
Excellent
Our Expert Take
The Venture X Business*affords the opportunity to fully recoup your annual fee with the least amount of leg work.
Why We Like It
Officially, the Venture X Business* has no preset credit limit. And considering the high spending required for the welcome bonus, anyone approved for the card will likely have a lot of buying power.
The flat-rate structure makes sure all of your purchases will be rewarding. The annual travel credits of $300 for bookings through Capital One Travel and 10,000 point anniversary points are easier to use than other statement credits and could cover the annual fee. Perks like lounge access, Global Entry or TSA PreCheck credits, $0 fraud liability and extended warranty provide comfort and peace of mind.
What We Don’t Like
The Venture X Business* is a pay-in-full card, so you shouldn’t plan on carrying a balance. And with no option to pay over time, this card may not offer the flexibility you need if your cash flow is inconsistent. The card is designed for those with excellent credit, so only strong applicants will be approved.
Who It’s Best For
Businesses looking for travel perks, consistent rewards with clear value and easy redemptions should consider the Venture X Business*.
Expert Commentary
Jon Nickel-D'Andrea
Credit Cards Expert Writer
For more than 10 years, Jon Nickel-D'Andrea has been a sought-after expert on how to travel the world using rewards points and miles. Jon has been featured in local and national publications and as a speaker at various seminars across the world. Combining his deep knowledge of credit cards, rewards programs, airlines and hotels with his unique style and sense of humor, Jon makes the complex web of these programs more fun and easy to understand. He lives in Seattle with his husband Ben and their 4-year-old beagle pup.
Jon Nickel-D'Andrea
Jon Nickel-D'Andrea
Credit Cards Expert Writer
For more than 10 years, Jon Nickel-D'Andrea has been a sought-after expert on how to travel the world using rewards points and miles. Jon has been featured in local and national publications and as a speaker at various seminars across the world. Combining his deep knowledge of credit cards, rewards programs, airlines and hotels with his unique style and sense of humor, Jon makes the complex web of these programs more fun and easy to understand. He lives in Seattle with his husband Ben and their 4-year-old beagle pup.
Credit Cards Expert Writer
While many credit cards offer Priority Pass membership, there are only a few that actually come with restaurant benefits still attached. The Venture X Business card’s priority pass membership still allows for restaurant access for you and up to two guests, equating to up to $84 in credit at select airport restaurants worldwide.
Pros & Cons
- No preset spending limit
- Unlimited 2 points per dollar on all purchases (more on some travel purchases)
- Impressive travel benefits
- Free employee cards and virtual cards
- Dedicated support from business representatives
- Annual bonuses
- High annual fee
- Full card balance must be paid every month
Card Details
- Earn 2 miles per dollar spent on every purchase
- Earn 5 miles per dollar on flights and 10 miles on hotels and rental cars booked through the Capital One Travel portal
- Annual $300 travel credit for bookings through Capital One Travel
- 10,000 bonus miles each year after the first membership anniversary
Earn 150,000 bonus miles when you spend $30,000 in the first three months of account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Card for Large Purchases
Ink Business Premier® Credit Card
On Chase Bank USA, NA's Website
4.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 5% Reward Rate
5% cash back on travel purchased through Chase Travel℠, 2.5% cash back on purchases of $5,000 or more, and 2%Read More
Welcome Bonus
$1,000 cash back
Annual Fee
$195
Regular APR
Flex for Business variable APR: 19.49% - 27.49%
Credit Score
Good/Excellent(700 - 749)
Our Expert Take
Businesses with consistently large purchases can earn sky-high rewards with the Ink Business Premier® Credit Card.
Why We Like It
For the moderate $195 annual fee, cardholders can earn unlimited flat-rate rewards with an even more impressive boost on purchases of $5,000 or above. The card also offers a generous welcome bonus and provides solid travel and purchase protections.
While the Ink Business Premier does require your balance to be paid in full each month, Chase does offer a Flex for Business feature that allows you to pay over time if the need arises. The Ink Business Premier also offers an eye-popping minimum credit limit of $10,000.
What We Don’t Like
Unlike the Ink Business Preferred, your rewards cannot be transferred to travel partners. But you’ll still have a range of other redemption options, and your points will never expire.
Who It’s Best For
This card is ideal for businesses that want a guaranteed five-figure minimum credit limit and are not interested in travel partner redemptions.
Pros & Cons
- Strong welcome offer
- 5% cash back on travel purchased through Chase Travel℠, 2.5% cash back on purchases of $5,000 or more and 2% cash back on all other purchases
- No annual fee for employee cards
- Several travel and purchase protections
- High annual fee
- Designed to be paid in full each month
- Points can’t be transferred to airline or hotel programs
- Points can’t be transferred to other Ultimate Rewards-earning cards
Card Details
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There’s no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best High-Limit Business Card for Flexible Spending Amounts
American Express® Business Gold Card
On American Express's Website
Partner Offer
Rates & Fees / Terms Apply
4.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 4X Reward Rate
Earn 4X points in the two eligible categories where you spend the most each month (4X points applies to theRead More
Welcome Bonus
Earn 100,000 points
Annual Fee
$375
Regular APR
19.49% - 28.49% Variable
Credit Score
Good,Excellent(700 - 749)
Our Expert Take
The American Express® Business Gold Card doesn’t lock you into a set credit limit*, giving businesses a flexible spending limit that adapts based on their payment, purchase and credit history.
Why We Like It
The ongoing rewards on this card are generous (and automatic) for your top-earning categories, making it a great option for businesses that don’t want to keep track of bonus categories. The card also offers statement credits of up to $20 per month for FedEx, Grubhub and office supply stores (enrollment required). But keep in mind that recouping these statements may take as much attention as tracking categories.
In addition to statement credits, the Amex Business Gold comes with select travel protections¹, cellphone protection¹ and purchase protection². Plus, it provides access to valuable Amex Offers that can help offset the card’s high annual fee.
What We Don’t Like
Beyond your top two eligible spending categories and travel booked through American Express Travel, the card earns a mere 1 point per dollar. Businesses that regularly have a greater variety of purchases will be better served with a flat-rate card. Additionally, most of the card’s bonus rewards categories are limited to U.S. spending. If your business consistently has expenses internationally, you may want to pass on this card.
The card’s $375 annual fee is also significant, so before applying ensure the card’s benefits will truly make it worthwhile. You won’t receive lounge access; so if you travel frequently for business, other cards at this price point could provide more comfort.
Who It’s Best For
The American Express® Business Gold Card will work well for businesses with high spending concentrated in a couple of high-earning categories that are willing to pay a significant annual fee.
Pros & Cons
- Flexible redemption and points transfer options
- Robust travel benefits
- Automatic 4 points per dollar on the two eligible categories where you spend the most each billing period on up to $150,000 in annual spending
- Very high annual fee relative to benefits
- 4 points per dollar rate capped at $150,000 in annual spending
Card Details
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 19.49% to 28.49% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month 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.*
- The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best High-Limit Secured Card
Valley Visa® Secured Business Credit Card *
4.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
1X Reward Rate
Earn unlimited 1% cash back on purchases
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
16.20% - 27.75% variable
Credit Score
Limited, Bad(0 - 649)
Our Expert Take
If your current credit score isn’t sufficient for the limit you need, the Valley Visa® Secured Business Credit Card* may work—if you have the necessary funds for the deposit.
Why We Like It
Provided you have the funds available, you can secure a credit limit of up to $25,000, even with less-than-perfect credit. As a secured card, you’ll still earn unlimited rewards and receive a 0% intro APR on purchases and balance transfers for the first 6 billing cycles from account opening, followed by a 16.20% – 27.75% variable APR. A fee of 4% or $5, whichever is greater, applies for each balance transfer.
What We Don’t Like
Keep in mind you’ll need to deposit 110% of your desired credit limit, and your security deposit will not earn interest. The reward rate is also low compared to the other cards on this list and there are few additional benefits to speak of.
Who It’s Best For
The Valley Visa® Secured Business Credit Card*could help businesses obtain a high credit limit without a credit score that stands on its own.
Pros & Cons
- No annual fee
- Introductory APR offer for purchases
- Earn unlimited cash back rewards
- High credit limits available
- Security deposit required
- Deposit must be 110% of your desired credit limit
Card Details
- Earn unlimited 1% cash back
- Introductory APR offer on purchases
- Online and mobile banking to track spending and make payments
- Security deposit of 110% of your desired credit limit, up to $25,000 is required
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best No Annual Fee High-Limit Business Card
The Blue Business® Plus Credit Card from American Express
On American Express's Website
4.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
Up to 2X Reward Rate
Earn 2X points on the first $50,000 in purchases each year; Earn unlimited 1X points on purchases thereafter
Welcome Bonus
Earn 15,000 points
Annual Fee
No annual fee
Regular APR
18.49% - 26.49% Variable
Credit Score
Excellent/Good(700 - 749)
Our Expert Take
If you only occasionally need a high line of credit, the Expanded Buying Power feature of The Blue Business® Plus Credit Card from American Express might be enough to fund your purchases.
Why We Like It
Earn valuable Membership Rewards® points in a simple structure with The Blue Business® Plus Credit Card from American Express, plus have the freedom to buy above your credit limit* with Expanded Buying Power.
Since the card has no annual fee and earns up to 2 points per dollar spent, it’s certainly worth considering.
What We Don’t Like
Like many cards without an annual fee, the Blue Business Plus is admittedly light on extra benefits. Purchase rewards are also cut in half on spending over $50,000. If your annual purchases greatly exceed that number, you may want to pair the Blue Business Plus with another card.
Who It’s Best For
The Blue Business Plus will work well for businesses with occasional high spending periods that don’t expect to exceed the card’s annual rewards cap.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
For small businesses looking to earn valuable travel rewards at a rapid clip, you can’t go wrong with the Blue Business Plus. Its simplicity means you won’t have to worry about maximizing bonus categories, and it’s also the only small business card that can transfer points to any of Amex’s airline and hotel partners without ever having to pay an annual fee.
Pros & Cons
- Wide variety of airline transfer partners
- No annual fee
- High rewards rate on the first $50,000 in annual spending
- There’s a foreign transaction fee
- 2 points per dollar rewards rate falls to 1 point per dollar after $50,000 in annual spending
Card Details
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- No Annual Fee
- Terms Apply
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Business Card with High Limit for Extended Payment Terms
Amazon Business Prime American Express Card *
3.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 5X Reward Rate
Earn 5% back or 90 days terms on eligible U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods MarketRead More
Welcome Bonus
Earn a $125 Amazon.com gift card
Annual Fee
$0
Regular APR
19.49% - 27.49% variable
Credit Score
Good/Excellent(700 - 749)
Our Expert Take
The Amazon Business Prime American Express Card* limits the elevated rewards earning to the first $120,000 in annual spending, but that still allows business owners to spend big with Amazon—to the tune of $10,000 a month or more.
Why We Like It
Interestingly, the card gives business owners a choice between earning awesome cash-back rewards rates or paying over time with extended terms for Amazon purchases, allowing you to customize your benefits. Even better, you can change your mind on individual purchases as your company’s needs change.
What We Don’t Like
There’s no annual fee on this card, but it requires a Prime Membership to be eligible for the card and earn the top-tier rewards.
The card offers elevated rewards on U.S. Amazon purchases, as well as U.S. restaurants, gas stations and wireless service providers. For businesses operating in countries outside the U.S., this rewards structure may prove disappointing. Your redemption options are also limited to Amazonor towards a charge on your statement.
Who It’s Best For
Businesses that utilize AWS or capitalize on the convenience of Amazon will enjoy the high rewards this card can offer.
Pros & Cons
- No foreign transaction fee
- Free employee cards include purchase controls
- On each eligible purchase, choose 5% back or 90-day terms at Amazon and Whole Foods
- Amazon Prime membership required
- No intro APR offer
- Standard APR can be high, depending on your credit
Card Details
- Earn a $125 Amazon.com gift card upon approval for the card
- No annual fee
- Choose 5% back or 90 days terms on eligible U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with an eligible Prime membership
- The 5% rate applies to the first $120,000 in purchases each calendar year, 1% thereafter
- Earn 2% back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- Earn 1% back on other purchases
All information about Amazon Business Prime American Express Card has been collected independently by Forbes Advisor
All information about Amazon Business Prime American Express Card has been collected independently by Forbes Advisor
Earn a $125 Amazon.com gift card upon approval for the card
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Here’s a Summary of the Best High-Limit Business Credit Cards
Credit Card
Ink Business Preferred® Credit Card
Capital One Spark Cash Plus *
The Business Platinum Card® from American Express
Venture X Business *
Ink Business Premier® Credit Card
American Express® Business Gold Card
Valley Visa® Secured Business Credit Card *
The Blue Business® Plus Credit Card from American Express
Amazon Business Prime American Express Card *
Credit Card
Best For
Credit Score
Annual Fee
Welcome Bonus
Ink Business Preferred® Credit Card
Best High-Limit Business Card for Flexible Rewards
Excellent, Good
$95
Earn 120,000 bonus points
Capital One Spark Cash Plus *
Best Cash-Back High-Limit Business Credit Card
Excellent
$150
Earn a $1,200 cash bonus
The Business Platinum Card® from American Express
Best High-Limit Business Card for Travel Perks
Good,Excellent
$695
Earn 150,000 points
Venture X Business *
Best High-Limit Business Credit Card Welcome Bonus
Excellent
$395
Earn 150,000 bonus miles
Ink Business Premier® Credit Card
Best Card for Large Purchases
Good/Excellent
$195
$1,000 cash back
American Express® Business Gold Card
Best High-Limit Business Card for Flexible Spending Amounts
Good,Excellent
$375
Earn 100,000 points
Valley Visa® Secured Business Credit Card *
Best High-Limit Secured Card
Limited, Bad
$0
N/A
The Blue Business® Plus Credit Card from American Express
Best No Annual Fee High-Limit Business Card
Excellent/Good
No annual fee
Earn 15,000 points
Amazon Business Prime American Express Card *
Best Business Card with High Limit for Extended Payment Terms
Good/Excellent
$0
Earn a $125 Amazon.com gift card
All information about Amazon Business Prime American Express Card has been collected independently by Forbes Advisor
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Earn 120,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn a $1,200 cash bonus after spending $30,000 in the first three months.
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.
Earn 150,000 bonus miles when you spend $30,000 in the first three months of account opening.
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
N/A
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Earn a $125 Amazon.com gift card upon approval for the card
