Best High Credit Limit Business Credit Cards

A high limit credit card is fantastic for businesses that need to spend a lot to operate. The best high limit business credit cards allow you to use credit to grow your bottom line. If your credit score isn’t high enough to qualify for one of these yet, don’t worry. There are always ways to move up the ladder in terms of credit limits and business credit cards. If you’re searching for a high credit limit business credit card, consider our top six picks.

Best for introductory bonus: Chase Ink Business Preferred Credit Card

Essentials:

  • Annual fee: $95
  • Rewards rates: 3x points on every dollar for the first $150,000 spent on travel, shipping, telecommunication services and online advertising with social media and search engines. Gain 1x point for everything else.
  • APR: 17.49%-22.49% variable.
  • Intro bonus: 80,000 bonus points after you spend $5,000 on the card in the first three months, which turns into $1,000 of travel rewards when you use Chase Ultimate Rewards.

Even better:

With this card, you’ll get employee cards at no extra cost, as well as monitoring for fraudulent purchases. When you redeem points through Chase Ultimate Rewards, your points are worth 25% more. If you’re approved for this card, your credit limit will be at least $5,000, but you may require additional information to increase your limit above $25,000. 

You won’t pay foreign transaction fees when you use this card on international trips, so you’ll save with each swipe. This card also automatically offers travel protection like roadside dispatch, trip cancellation insurance and car rental collision insurance.

Best for cash back: Chase Ink Business Cash Credit Card

Essentials:

  • Annual fee: $0
  • Rewards rates: Gain 5% cash back on the first $25,000 you spend each year on office supplies or telecom services, as well as 2% cash back on the first $25,000 on gas and dining expenses. You’ll get 1% cash back on everything else.
  • APR: 0% for the first 12 months, then 14.74%-20.74% variable.
  • Intro bonus: $500 back in cash after spending $3,000 in the initial three months.

Even better:

The Chase Ink Business Cash credit card works similarly like the Chase Ink Business Preferred, possibly requiring documentation to receive a credit limit of over $25,000. You can also get cards for your employees at no additional cost, but you will have to pay a 3% foreign transaction fee. However, the lack of an annual fee makes up for this difference, depending on how much you travel. Furthermore, you’ll get the same travel protections offered to Chase Ink Business Preferred customers.

Best for high spending: American Express Blue Business Cash Card

Essentials:

  • Annual fee: $0
  • Rewards rates: Receive 2% cash back for all eligible purchases up to $50,000 each year. After that, you’ll get 1% back on everything.
  • APR: 0% for the first 12 months, then 14.74%-20.74% variable.
  • Intro bonus: None

Even better:

The American Express Blue Business Cash Card is an exciting option for business owners looking to expand their credit limit. American Express’s Expanded Buying Power program allows cardholders to spend more than their set credit limit on their card. As long as you pay off the additional spending in full each month, you won’t be charged any interest for your overspending. 

American Express also gives you travel protections like car rental insurance and access to the Global Assist Hotline. Employees get cards for free, as well.

Best for simple rewards program: American Express Blue Business Plus Credit Card

Essentials:

  • Annual fee: $0
  • Rewards rates: Receive 2x points for all purchases up to $50,000 per year, and get 1x point after that.
  • APR: 0% for the first 12 months, then 14.74%-20.74% variable.
  • Intro bonus: None

Even better:

Like the American Express Blue Business Cash Card, the Blue Business Plus card also charges no annual fee and offers the Extended Buying Power program. The difference is that this card deals with points rather than cash back and has no category restrictions for rewards. Therefore, it’s a bit easier to ensure you earn as many points as possible each year because you don’t have to track specific categories.

Best for unlimited rewards: Capital One Spark Cash for Business

Essentials:

  • Annual fee: $0 for the first year, then $95
  • Rewards rates: Get an unlimited 2% cash back on any purchase.
  • APR: 18.49% variable.
  • Intro bonus: Get $500 back after spending $4,500 in the first three months.

Even better:

The most exciting feature of this card is that it offers unlimited cash back. If you spend a lot, you’ll be able to earn on everything you buy throughout the year. You’ll also get free employee cards and protection from fraudulent purchases. Additionally, this card covers collision and theft on car rentals, and there are no foreign transaction fees.

Best for luxury travel: American Express Business Platinum Card

Essentials

  • Annual fee: $595
  • Rewards rates: Earn 5x points on flights and hotels paid ahead of time when you book through amextravel.com, and get 1x point on everything else.
  • APR: 19.74% variable.
  • Intro bonus: Gain 50,000 points after you spend $10,000 in the first three months. If you spend an additional $10,000 in that period, get another 25,000 points.

Even better

If you travel a lot for business, this could be the right card for you. When redeeming your rewards, you’ll get 35% points back if you put them toward flights. Other rewards with this card include a $200 statement credit toward an airline of your choice each year and up to $200 statement credit toward Dell each year.

You’ll also receive a $100 statement credit every four and a half years for Global Entry or TSA Pre-Check fees. Furthermore, you’ll have access to over 1,200 airport lounges around the world to make your travels more comfortable and there are no foreign transaction fees. 

Tiffany Verbeck

Tiffany Verbeck is a personal finance freelance writer. She uses her master’s degree in writing to help businesses tell their stories better. Her full portfolio is available at www.tiffanyverbeck.com.