Best High-Limit Business Credit Cards 2023

High credit limits give you more spending power and (with proper usage) can boost your credit score. But not every business credit card out there offers a high credit limit.

So to help you find the best card with a credit limit to match, we’ve rounded up the best high-limit business credit cards. The cards on this list have higher minimum credit limits than other card options out there―and some don’t even have a maximum credit limit.

We found that Chase’s Ink Business Cash® is the best high-limit business credit card for most people. Let’s talk more about it and our six other picks.

Wondering how you can get a high-limit business credit card? Here are four steps you can take.

If you want a high credit limit, credit card companies expect you to earn it. That means they’ll look for a high credit score. If you don’t already stay on top of your credit score, start now, maybe with a credit monitoring service.

If you have bad credit, there are also definitely cards out there that are perfect bad-credit cards that will help you boost your credit so you can eventually qualify for an even better card. 

Credit card providers will also look at your debt load when they evaluate your credit card application. If you regularly carry a high credit card balance, you may not get approved for a high credit limit. So pay down your existing credit cards and other debt.

Not every credit card provider offers high credit limits―even to creditworthy customers. If you want a high credit limit, apply with providers that offer them (like the ones on our list).

No matter what credit card you have, the easiest way to get a higher credit limit is to ask for one. Call up your card provider. If you have a great credit score and low debt load, they just might increase your credit limit.

The Ink Business Cash® card from Chase is our favorite high-limit business credit card.

That’s because the Ink Business Cash® is an all-around great business card that just happens to offer above-average credit limits. It has enough benefits to make it one of our overall favorite cards for business owners.

The Ink Business Cash® card has no annual fee, for instance. But it does earn plenty of cash rewards―up to 5%, in fact, making it one of the highest-earning cards we’ve found. Plus, you can qualify for a great cash welcome bonus. And you get a competitive purchase APR.

Now, Ink Business Cash® is a great card, but that doesn’t make it right for everyone. If you tend to pay bills via ACH transfer, for example, you won’t earn the maximum rewards. (The 5% cash back rate applies to things like internet, phone, and cable services.) So consider your spending habits and see if they match up with Ink Business Cash® earning categories.

For many businesses, though, Ink Business Cash® offers unbeatable cash rewards―and potentially a high credit limit to boot.

Prefer consistent rewards to category-based rates? Then stick with Chase’s Ink Business Unlimited®.

Like the Ink Business Cash® card, Ink Business Unlimited® earns cash back. But while Ink Business Cash® works best for business owners that spend in certain categories, Ink Business Unlimited® gives you a flat cash back rate. Whether you buy office supplies, gas, lunch for the office, new team merch, or anything else, you get a solid 1.5% cash back rate.

Luckily, Ink Business Unlimited® has most of the same benefits as our top pick, like a great welcome bonus and high minimum credit limit. The difference really comes down to the rewards rates. Of course, that means you still get some of the same cons, like high fees on cash advances and foreign transactions.

But a flat cash back rate and a great bonus offer make Ink Business Unlimited® a great card for business owners who don’t want to worry about spending categories.

If you want to start spending as soon as possible, apply for the American Express Blue Business Cash™ Card.

American Express offers several instant approval credit cards―including the American Express Blue Business Cash™ Card. That means that you can get an answer on your card application almost immediately. And right after that, American Express will give you your card details (like credit card number and expiration date) so you can start using your new credit card.

As an added bonus, American Express gives you a flexible credit limit (called “Expanded Buying Power”) on this card . Of course, to qualify for both the card and the flexible limit, you have to have a pretty good personal credit score. And note that even a flexible credit limit does have some limits―even if American Express won’t tell you exactly what they are.

Still, instant approval and flexible credit limits make the American Express Blue Business Cash™ Card a good choice for immediate spending.

If you like the idea of the American Express Blue Business Cash™ Card but you’d rather earn points than cash back, try the Blue Business® Plus Credit Card instead.

You still get the best perks, like instant approval and a flexible credit limit. (In fact, the two cards are nearly identical aside from rewards.) But instead of earning up to 2% cash back, you’ll earn up to 2X points.

If you want a great welcome bonus, we recommend Capital One’s Spark 2% Cash Plus.

Capital One offers up to a $1,000 cash back bonus―hundreds of dollars higher than even Chase’s impressive welcome bonuses. And to make things easier on you, you earn the bonus reward in two parts. First, you earn $500 by spending just $5,000 in your first three months. To get the other $500, you need to spend $50,000 in your first six months.

On top of that, you’ll earn a flat 2% cash back with this card―one of the higher flat rates we’ve seen. The tradeoff? This card does have an (unwaivable) annual fee. So we do recommend doing some math to make sure this card is worth it. Also, you can’t carry a balance on Spark 2% Cash Plus. If you pay your business credit card late, you immediately get hit with a fee.

If your spending (and paying) habits match up, though, Spark 2% Cash Plus can get you plenty of cash back through its welcome bonus and flat rate rewards.

Want to make sure you get a decent credit limit? Try applying for Capital One’s Spark 2X Miles.

Spark 2X Miles has a $5,000 minimum credit limit―the highest minimum we’ve found. So if you get approved, you know you’ll have at least $5,000 for your business to spend. And with a minimum limit like that, you can expect the maximum credit limits for Spark 2X Miles to go pretty high.

Unlike the cards you’ve seen so far, Spark 2X Miles earns travel rewards, so miles instead of cash or points. As you can guess, you earn 2X miles per dollar spent. That’s a great rate, and it may help make up for the annual fee and the high purchase APR on this card. (At least the annual fee gets waived your first year.)

But again, it’s the high minimum credit limit that makes the Spark 2X Miles card a true standout.

We think the cards above offer the most value for most business owners. But in some cases, you might like one of these honorable mentions more.

If you prefer points to cash back (or travel miles), then take a look at Chase’s Ink Business Preferred®.

As you’ve already seen, Chase business credit cards pack quite a punch. And sure enough, the Ink Business Preferred® option earns points at a great (variable) rate. Plus, it comes with the excellent welcome bonus you’d expect from a Chase credit card. It also has an excellent minimum credit limit of $5,000.

But unlike the other Chase cards we’ve reviewed, this card has an unwaivable annual fee. You’ll want to make sure you’ll earn enough points to offset that fee―and then some―before committing to this card.  

If you really want to maximize your points rewards, we recommend the American Express® Business Gold Card.

This card earns up to 4X points on your purchases. Even better, you earn that high rate on the categories you do the most spending in. You can also make your points go further by booking travel through American Express. Oh, and this card has a flexible spending limit.

The downside? American Express® Business Gold Card also has a pretty high, totally unwaivable annual fee. You’ll need to spend quite a bit to make the fee worthwhile. So we don’t recommend this card to most business owners, but we know some will appreciate its high rewards rate.

If you do a lot of travel for business, you may prefer American Express’s Business Platinum Card®. It earns up to 5X points―even higher than the American Express® Business Gold Card. But that high rate only applies to flights and hotels booked through AmEX Travel.

This card also has a very high annual fee. We think most of our readers will get more value from other cards. But you know your business. So if you really want to get top-tier points rewards, Business Platinum Card® can help you do just that.

The Ink Business Cash® card from Chase is the best high-limit business credit card. It has a competitive minimum credit limit, no annual fee, high cash rewards rates, and more.

For flat-rate rewards, we recommend Chase’s Ink Business Unlimited® card. If you want to start spending ASAP, apply for the American Express Blue Business Cash™ Card and get instant approval. Capital One’s Spark Cash Plus card offers the best welcome bonus. Or for the highest minimum credit limit, apply for Capital One’s Spark Miles for Business card.

No matter which credit card provider you go with, we hope you get the high credit limit you’re looking for.

Need a higher credit limit than you can get from a credit card? Apply for one of the best business lines of credit to take care of all kinds of business expenses.

We looked at dozens of business credit cards to find cards that have either high minimum credit limits or no set credit limits. Then we scored those cards on factors like APR, rewards rates, card fees, and more. Those scores informed our rankings and reviews.

Credit card companies don’t publish maximum credit limits, but Capital One’s Spark Miles and Chase’s Ink Business Preferred® have the largest minimum credit limits we’ve seen. Both cards have at least a $5,000 credit limit―meaning they have even higher maximum credit limits.

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