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The Best High-Limit Business Credit Cards for Mega Spending Power

Maddie Shepherd

Contributing Writer at Fundera
Maddie Shepherd is a former Fundera senior staff writer and current freelance writer. Maddie has an extensive knowledge of business credit cards, accounting tools, and merchant services, but specializes in small business financing advice. Maddie has a bachelor's degree in Spanish and Latin American cultures from Barnard College.
Editorial Note: Fundera exists to help you make better business decisions. That’s why we make sure our editorial integrity isn’t influenced by our own business. The opinions, analyses, reviews, or recommendations in this article are those of our editorial team alone.

As you’re searching for the best business credit card for your business, all the bells and whistles can easily distract you. Especially if you’ve come looking for just one thing: the best high-limit business credit card.

Rewards programs, welcome bonuses, and 0% intro APR periods are fantastic bonuses, absolutely. But a business credit card’s main purpose is to give your business access to a line of credit to buy the things you need.

And, when you find the right one for your business, the best high-limit business credit cards offer incredible financial flexibility. That benefit alone is one of the most essential reasons for spending with a business credit card—especially one that allows business owners a substantial line of credit.

We’ll run through all of the top high-limit credit cards that’ll allow your business to access the most credit possible. We’ll also explore your top high-limit credit alternatives, to make certain that no matter what you choose, you can access optimum spending power for your business:

The 3 Best High-Limit Business Credit Cards

Best High-Limit Credit Card Welcome Bonus: Chase Ink Business Preferred

The Chase Ink Business Preferred is one of the very best high-limit business credit cards on the market. Only business owners with excellent personal credit—660+—will be able to access the Ink Preferred.

If you are able to qualify for the Ink Preferred, it’ll more than likely end up functioning as a high-limit business credit card—your personal credit will make it less risky for Chase to extend your business a line of credit with a high limit.

And this higher spending power will allow you to access even more rewards through this high-limit business credit card. A higher credit limit means you’ll be able to optimize your spend within the Ink Preferred’s 3x reward categories:

  • Travel
  • Shipping purchases
  • Social media and search engine ad purchases
  • Internet, cable, and phone services

Even better, higher spending limits will make it even easier for you to spend the $5,000 within your first three months that you’ll need to access the Ink Preferred’s welcome bonus of 80,000 points. And although this high-limit business credit card will come with a $95 annual fee, the value you’ll recoup through these rewards can easily make up for it—the card will essentially pay for itself.

Best High-Limit Credit Card for Cash Back: Chase Ink Business Cash

Much like the Ink Preferred, the Chase Ink Business Cash is also on our list of high-limit business credit cards by nature of its required minimum credit. This card also sets a baseline of about 660+ minimum personal credit score for qualification, so the Ink Cash will only be available to business owners with excellent credit.

Accordingly, the credit limits that Ink Cash cardholders will be able to access will be higher than your average business credit limit.

Beyond that similarity, though, the Ink Cash is a high-limit business credit card of unique design. Unlike the other two high-limit business credit cards that made it to our list, the Ink Cash will reward your business spending with cash back rather than points.

You’ll earn:

  • 5% cash back on the first $25,000 you spend annually on:
    • Office supply store purchases
    • Cell phone, landline, internet, and cable TV services
  • 2% cash back on the first $25,000 you spend annually at:
    • Gas stations
    • Restaurants
  • 1% cash back on all other purchases

Plus, the Ink Cash offers a 12-month 0% intro APR along with a welcome bonus of $500. And you’ll be able to access all of this high-limit business credit card’s perks for no annual fee at all. After these 12 months, your APR will set in at a rate that will vary with the market Prime Rate, so be sure to see the issuer’s terms and conditions for the latest APR information.

Best High-Limit Credit Card for 0% Intro APR: The American Express Blue Business Plus

The last of the high-limit business credit cards on our list—the Blue Business Plus—works a bit differently from the other high-limit business credit cards we’ve featured. The Blue Business Plus will be accessible to business owners with good to excellent credit—beginning at about 620—rather than just those with excellent credit.

As such, the credit limit that Blue Business Plus cardholders access won’t necessarily be higher than your average business credit limit. What will be different, however, will be how strict American Express will be about cardholders outspending their credit limits on the Blue Business Plus.

This card will provide your business with more buying power by allowing your business to outspend its credit limit within reason. Though the amount you’ll be able to outspend your Blue Business Plus credit limit won’t be unlimited, it will adjust as you spend responsibly.

Plus, the Blue Business Plus has an ace in the hole—it offers one of the longest 0% intro APR periods on the market, allowing you to carry zero-interest balances for your first 12 months with the card. After this intro period, a variable APR will set in at a rate that will depend on your creditworthiness and on the market Prime Rate. Be sure to check the issuer’s terms and conditions for the latest APR information.

So, though the Blue Business Plus won’t necessarily fall into a traditional definition of high-limit business credit cards, the extra spending power it provides will certainly offer your business similar results.

High-Limit Credit Cards: What You Need to Know

As with any business credit card out there, the credit limit on the best high-limit business credit cards will certainly vary according to your credit history. Because there’s no guarantee where your credit limit will end up, be sure to take this list with a grain of salt. “High-limit business credit cards” is an extremely relative term.

High-Limit Business Credit Cards are Linked to High Credit Scores

Maybe this seems like a no-brainer, but it’s worth going through if you’re wondering how to get a high-limit credit card. More often than not, “high-limit business credit card” is pretty much synonymous with “business credit cards for exceptional credit scores.”

For almost any business credit card you come across, the issuer will require that cardholders have a minimum credit score. Although some business credit cards will require a lower minimum credit score to qualify, others will require personal credit of 660 or above. And, as a reminder, the better your credit history, the higher the credit limit an issuer will be willing to extend to your business.

And since a high minimum credit score is a basic qualification requirement for some of these cards at the outset, many of the card issuers are able to extend high minimum credit limits immediately. It makes sense if you think about—these cardholders are proven creditworthy, so they’re awarded high-limit business credit cards right away. 

The Best High-Limit Business Credit Cards Are all Unsecured

One other important thing to know is a definition: unsecured credit card. All of the best high-limit business credit cards will be unsecured cards—that’s what allows them to have those sky-high limits at all.

When you picture a business credit card, you’re likely picturing an unsecured business credit card. With unsecured credit cards, an issuer extends a line of credit without requiring that the cardholder secure this credit with a deposit or collateral.

With secured credit cards, on the other hand, the issuer will require that a cardholder secure at least a fraction of their credit line with a deposit. As a result, only unsecured business credit cards will make it onto the list of the best high-limit business credit cards on the market, simply because secured credit cards don’t technically extend your business a credit limit at all.

high-limit-credit-cards

Instead of High-Limit Business Credit Cards, Consider Business Charge Cards for the Best Spending Power

If you’re looking for the spending power that high-limit credit cards can’t necessarily guarantee, then we suggest that you pivot your search to your business charge card options. Although you’ll find more than a few nuances in the difference between a charge card and a credit card, for us, the main difference can boil down to one crucial distinction—business charge cards don’t come with credit limits.

That charge cards won’t come with credit limits will make them ideal for business owners who want access to big spending power from their business card. Nonetheless, with business charge cards, the issuer assumes that you’ll pay off your balance in full, on time, every time. Otherwise, you’ll incur expensive late fees that will likely end up costing your business way more than an APR or an over limit fee.

If you’re confident in your ability to pay off your balance in full every month—and you want to access ultimate spending power—then consider your top business charge card options—the American Express business charge cards and the Brex corporate card.

The American Express Business Plum Card

The Plum Charge Card offers all of the perks of a business charge card, plus payment flexibility that’s uncharacteristic of a business charge card.

You’ll be able to access unlimited spending power with the Plum card, but you’ll also have access to a 60-day grace period for each payment you make with the Plum card. So long as you pay your minimum payment on time and pay the remaining statement balance in full within 60 days, you won’t incur any late fees with the Plum.

On the other hand, if you’re able to swing an early payment, you’ll earn a 1.5% discount on any part of your balance that you pay off within 10 days of your statement closing date. Whether you’re earning this 1.5% discount, or you’re avoiding late fees with the 60-day grace period, make sure that the total value will make up for the Plum’s $250 annual fee, which will set in after your first year as a cardholder.

The American Express Business Gold Card

Another top business card for you to consider is the Business Gold Card. Like the Plum card, the Business Gold card will allow your business to unlock unlimited spending power. Unlike the Plum card, though, the rewards that you access through the card won’t rely on your ability to swing early payments, since the Busines Gold comes with the flexibility to pay eligible purchases over time.

You’ll automatically earn 4x rewards on the two expense categories you spend the most in (from a list of six) each month for up to $150,000 a year. And for all other transactions, you’ll make with the Business Gold, you’ll earn 1x rewards.

These rewards will certainly add up. So much so, that the $295 annual fee that you’ll have to pay to be a Business Gold cardholder will seem like small change when you stack it up next to the rewards you’ll earn.

The Brex Corporate Card

The last business charge card you might consider is the Brex corporate card. Like the two cards from American Express, the Brex card can give you access to a high amount of spending—as long as you can pay your balance every month.

The Brex card is designed for startups, and although it doesn’t require a credit check or personal guarantee, you must have a U.S. EIN and at least $100,000 in funds in a corporate bank account. If you meet these specifications, you and your employees will be able to use the Brex card in over 200 countries with some unique and truly impressive reward options.

If you’re a Brex Exclusive member, meaning Brex is the exclusive corporate card for your business, you’ll receive 7x points back on rideshare purchases, 4x points back on travel, 3x points back on restaurants, 2x points back on recurring software usage, and 1x points back on all other purchases. There is no limit on the rewards you can earn and you can redeem them for a statement credit. Plus, for a limited time, you can get 30,000 in Brex Rewards points upon signup and waived card fees for life—which has a $300+ value in the first year.

Additionally, there is no monthly fee for the Brex corporate card—unless you need more than five cards—and the limit on your card depends on the funds your business has raised, your business equity, and spending patterns. Therefore, if you’re a well-backed startup looking for unique rewards and a customized spending limit, the Brex Corporate card might work well for you. Don’t forget, however, that Brex requires that you pay your balance in full every month, otherwise, they’ll cancel your card.

Consider Business Lines of Credit as Alternatives to High-Limit Business Credit Cards for More Cash

Alternatively, you can look to securing business lines of credit as another ideal contingency plan to seeking high-limit business credit cards.

Again, the difference between lines of credit vs. credit cards isn’t a simple one. But, for our purposes, we can boil it down to one of-interest distinction—lines of credit typically extend higher credit limits than business credit cards. Because they don’t come with all of the bells and whistles, business lines of credit typically offer businesses higher credit limits.

Plus, you’ll be able to pay down your business’s balance gradually with a business line of credit, whereas business charge cards will require you to pay off your balance in one fell swoop every month. Business lines of credit from alternative lenders can provide you with fast access to capital in the hundreds of thousands of dollars without much paperwork at all, and some don’t even check your credit score.

Moving Forward With the Best High-Limit Business Credit Cards—or Great Alternatives

Now that we’ve made it through all of this information on the best high-limit business credit cards, it’s time to recap what we’ve covered.

First, we ran through the best high-limit business credit cards on the market:

  • The Chase Ink Business Preferred won out for the best welcome bonus
  • The Chase Ink Business Cash won out for the best cash back high-limit business credit card
  • The Blue Business Plus won out for the best 0% intro APR period for a high-limit business credit card

Next, we explored some top alternatives to high-limit business credit cards.

Business charge cards like the Amex Plum card and the Brex corporate card won’t impose a limiting credit threshold on your business, but they will also require you to pay your balance in full every month. Another option is the Amex Business Gold, which has the option to pay eligible purchases over time.

Meanwhile, business lines of credit will extend your business a higher credit limit and will allow you to pay down your balance gradually.

Whether you’ve decided on one of the best high-limit business credit cards, a business charge card, or a business line of credit, your next move is to apply for your ideal source of business credit!

Maddie Shepherd

Contributing Writer at Fundera
Maddie Shepherd is a former Fundera senior staff writer and current freelance writer. Maddie has an extensive knowledge of business credit cards, accounting tools, and merchant services, but specializes in small business financing advice. Maddie has a bachelor's degree in Spanish and Latin American cultures from Barnard College.

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