Best High-Limit Business Credit Cards 2022

We compared minimum credit limits, card fees, rewards, and more to find the best high-limit business credit cards.
Business.org’s pick
JP Morgan Chase Bank Business
Ink Business Cash®
3.8 out of 5 stars
3.8
$0.00 annual fee
  • pro
    Up to 5% cash back on eligible purchases
  • pro
    Intro 0% APR on purchases for 12 mos. (14.74%– 20.74% variable APR after)
Business.org’s pick
JP Morgan Chase Bank Business
Ink Business Unlimited®
3.5 out of 5 stars
3.5
$0.00 annual fee
  • pro
    Flat-rate cash back
  • pro
    Intro 0% APR on purchases for 12 mos. (14.74%– 20.74% variable APR after)
Business.org’s pick
american express logo
American Express Blue Business Cash™ Card
3.5 out of 5 stars
3.5
$0.00 annual fee
  • pro
    Instant card approval
  • pro
    0% intro APR for 12 mos. (15.49%–23.49% variable APR after)
Business.org’s pick
Capital One
Spark 2% Cash Plus
3.4 out of 5 stars
3.4
$0.00 annual fee
  • pro
    Up to $1,000 bonus cash back
  • pro
    No APR (balance due each month)
Business.org’s pick
Capital One
Spark 2X Miles
3.4 out of 5 stars
3.4
$95.00 annual fee (waived first year)
  • pro
    $5,000 minimum credit limit
  • pro
    22.49% variable APR

Data as of 8/8/22. Offers and availability may vary by location and are subject to change.

We are committed to sharing unbiased reviews. Some of the links on our site are from our partners who compensate us. Read our editorial guidelines and advertising disclosure.

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.

Best high-limit business credit cards

Compare the best high-limit business credit cards

Credit card
Card issuer
Intro/ongoing annual fee
Rewards type
Get a card
Chase$0.00/$0.00Cash back (variable rate)
Chase$0.00/$0.00Cash back (flat rate)
American Express$0.00/$0.00Cash back (variable rate)
Capital One$150.00/$150.00Cash back (flat rate)
Capital One$0.00/$95.00Miles (flat rate)

Data as of 8/8/22. Offers and availability may vary by location and are subject to change.

How to qualify for a high-limit business credit card

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

1. Work on your personal credit score.

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.

2. Take care of any existing debt.

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.

3. Apply for the right credit card.

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).

4. Ask for a higher limit.

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.

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Ink Business Cash®: Best overall high-limit business credit card

JP Morgan Chase Bank Business
Ink Business Cash®
3.8 out of 5 stars
3.8
  • Icon Blank
    $0.00 annual fee
  • pro
    $3,000 min. credit limit
  • pro
    1–5% cash back rewards
  • pro
    $750 in bonus cash back after spending $7,500 in 3 mos.
  • pro
    Free employee cards

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.

As for the credit limits? Ink Business Cash® cards have at least a $3,000 minimum credit limit, with the possibility of going much higher.

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.

Pros
pro Very high max. rewards rate
pro No annual fee
pro Big welcome bonus
Cons
con High cash back limited to some categories
con Above-average cash advance fee

Ink Business Unlimited®: Best flat-rate rewards

JP Morgan Chase Bank Business
Ink Business Unlimited®
3.5 out of 5 stars
3.5
  • Icon Blank
    $0.00 annual fee
  • pro
    $3,000 min. credit limit
  • pro
    1.5% cash back rewards
  • pro
    $750 in bonus cash back after spending $7,500 in 3 mos.
  • pro
    Free employee cards

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.

Pros
pro Good flat rewards rate
pro Large cash welcome bonus
pro No annual fee
Cons
con High cash advance fee
con High foreign transaction fee

American Express Blue Business Cash™ Card: Best for instant approval

american express logo
American Express Blue Business Cash™ Card
3.5 out of 5 stars
3.5
  • Icon Blank
    $0.00 annual fee
  • pro
    No set credit limit
  • pro
    1–2% cash back rewards
  • pro
    $250 in statement credit after spending $3,000 in 3 mos.
  • pro
    Free employee cards

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.

Pros
pro Instant approval and use
pro Expanded Buying Power for qualified cardholders
pro Below-average purchase APR
Cons
con High credit requirements
con Limits on 2% cash back

Alternative: Blue Business® Plus Credit Card

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.

Spark 2% Cash Plus: Best bonus offer

Capital One
Spark 2% Cash Plus
3.4 out of 5 stars
3.4
  • Icon Blank
    $150.00 annual fee
  • pro
    No set spending limit
  • pro
    2% cash back rewards
  • pro
    $500 in bonus cash back after spending $5,000 in 3 mos. and $500 after spending $50,000 in 6 mos.
  • pro
    Free employee cards

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.

Pros
pro Excellent bonus cash back welcome offer
pro High flat rewards rate for all purchases
pro No set credit limits
Cons
con Unwaivable annual fee
con No option to carry a balance

Spark 2X Miles: Highest minimum credit limit

Capital One
Spark 2X Miles
3.4 out of 5 stars
3.4
  • Icon Blank
    $95.00 annual fee (waived first year)
  • pro
    $5,000 min. credit limit
  • pro
    2X miles rewards
  • pro
    50,000 bonus miles after spending $4,500 in 3 mos.
  • pro
    Free employee cards

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.

Pros
pro High flat miles reward rate
pro Very high minimum credit limit
pro Waived annual fee for first year
Cons
con Annual fee after first year
con High purchase APR
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Honorable mentions

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.

Honorable mention high-limit credit business cards

Credit card
Card issuer
Intro/ongoing annual fee
Rewards type
Get a card
Chase$95.00/$95.00Points (variable rate)
American Express$295.00/$295.00Points (variable rate)

Data as of 8/8/22. Offers and availability may vary by location and are subject to change.

Ink Business Preferred®: Best for points rewards

JP Morgan Chase Bank Business
Ink Business Preferred®
  • Icon Blank
    $95.00 annual fee
  • pro
    $5,000 min. credit limit
  • pro
    1–3X points rewards
  • pro
    100,000 bonus miles after spending $15,000 in 3 mos.
  • pro
    Free employee cards

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.  

American Express® Business Gold Card: Highest points rewards

american express logo
American Express® Business Gold Card
  • Icon Blank
    $295.00 annual fee
  • pro
    No credit limit
  • pro
    1–4X points rewards
  • pro
    70,000 bonus miles after spending $10,000 in 3 mos.
  • pro
    Free employee cards

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.

Alternative option: Business Platinum Card®

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 takeaway

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 2% Cash Plus card offers the best welcome bonus. Or for the highest minimum credit limit, apply for Capital One’s Spark 2X Miles 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.

Related reading

Methodology

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.

High-limit business credit card FAQ

What credit cards offer high limits?

Lots of credit cards offer high limits, like Chase’s Ink Business Cash® and Ink Business Unlimited® cards, Capital One’s Spark 2% Cash Plus and Spark 2X Miles cards, and the American Express Blue Business Cash™ Card.

What is the best credit card for small business?

Chase’s Ink Business Cash® is the best credit card for small businesses. It has the best combination of rewards, fees, and APR for most business owners.

What credit card has the largest limit?

Credit card companies don’t publish maximum credit limits, but Capital One’s Spark 2X 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.

Business.org has partnered with CardRatings for our coverage of credit card products. Business.org and CardRatings may receive a commission from card issuers.

Chloe Goodshore
Written by
Chloe Goodshore
Chloe covers business financing and loans for Business.org. She has worked with many small businesses over the past 10 years, from video game stores to law firms. Those years watching frustrated business owners try to sift through their many options gave her a passion for breaking down complex business topics. She wants to help business owners spend less time agonizing over their businesses so they can spend more time running them.
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