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Best high limit business credit cards

These cards have the perks and the credit limits you need to earn rewards while you grow your business

Summary

If you’re running a small business, getting a high limit business credit card can give you the flexibility to make business purchases when you need to, instead of waiting for cash to arrive in your bank account. Here are some of the best options.

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What could your small business do with a generous credit limit?

Would you be able to invest in some better equipment, launch a new advertising campaign or make that big purchase you’ve been putting off? Maybe you could save money by booking business travel ahead of time, instead of waiting until you had enough cash in the bank account to cover the costs of the trip – or use your business credit card to help you through a low cash-flow month.

A good business credit card can be just as crucial to your business’s success as a trusted employee or a loyal customer. Here are some of the best options for high limit business credit cards that also offer cash back, travel rewards, startup perks and more.

Best high limit business credit cards

The Blue Business® Plus Credit Card from American Express: Best for expanded buying power

If you’re looking for all the benefits of a business credit card plus the freedom to spend beyond your credit limit when you need it, consider The Blue Business® Plus Credit Card from American Express.

This no-annual-fee business credit card offers Amex’s “Expanded Buying Power” benefit, giving you the ability to spend past your credit limit (approved on a case-by-case basis) without penalty, as long as you pay at least the minimum plus any amount you spend over your credit limit every month.

You’ll also earn 2 Membership Rewards points per dollar on your first $50,000 in purchases per year and 1 point per dollar afterward. Plus, you’ll get a 0% intro APR for 12 months on purchases (13.24% to 19.24% variable thereafter), making the Blue Business Plus card an ideal tool to help fund your business’s startup costs – or provide the financing required to take your business to the next level.

See related: Best business credit cards with a 0 percent intro APR

Here’s a quick summary of what you’ll get with the Blue Business Plus Credit Card:

  • 2 points per dollar on everyday business purchases such as office supplies or client dinners, for up to $50,000 in purchases per year
  • 1 point per dollar on all other purchases
  • 0% intro APR on purchases for the first 12 months (13.24% to 19.24% variable thereafter)
  • Free employee cards, which also earn rewards on eligible spending

Capital One® Spark® Cash for Business: Best for cash back

If you want a business credit card that gives you both a high credit limit and the ability to earn cash back as you spend toward that limit, try the Capital One® Spark® Cash for Business. This card earns an unlimited 2% cash back on all purchases, plus a $500 cash bonus if you spend $4,500 in the first three months after you open your account.

The Spark Cash for Business is also a great option if you have additional team members who make purchases on behalf of your business. Employee cards are free, and each employee card earns unlimited 2% cash back on all purchases.

The Capital One Spark Cash for Business includes a $95 annual fee, but it’s waived the first year. Here’s a roundup of everything else the Spark Cash for Business has to offer:

  • Unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Free employee cards, which also earn unlimited 2% cash back on all purchases

The Capital One Spark Cash for Business is a flat-rate cash back card, which means you earn the same amount of cash back no matter what you purchase.

The Business Platinum Card® from American Express: Best for business travel

The Business Platinum Card® from American Express is a charge card, which means it has no preset spending limit – an excellent option if you’re a big business spender.

The Business Platinum Card is also a good option if you spend a lot of money on business travel, offering 5 points per dollar on flights and prepaid hotels purchased through amextravel.com, as well as additional travel perks like an annual $200 airline fee credit and the opportunity to get 35% of your points back when you use Membership Rewards Pay with Points for all or part of a flight with your selected qualifying airline. Plus, you’ll get airport lounge access through the American Express Global Lounge Collection.

Of course, all of these perks come at a price – a $595 annual fee. But here’s just a peek at what you can earn from the Business Platinum Card:

  • 5 points per dollar on flights and prepaid hotels on amextravel.com
  • 50% more Membership Rewards points – an extra half point per dollar – on each eligible purchase of $5,000 or more, for up to 1 million additional points per year
  • 1 point per dollar on all other purchases
  • 75,000 bonus points after you spend $15,000 on qualifying purchases within your first 3 months of membership
  • 35% airline bonus: Use Membership Rewards Pay with Points for all or part of a flight with your selected qualifying airline and get 35% of the points back, for up to 500,000 bonus points per calendar year when a flight is booked on amextravel.com
  • Select one qualifying airline and get a statement credit of up to $200 per calendar year for baggage fees and other incidentals
  • Enroll to get up to $200 in statement credits annually (up to $100 from January to June and up to $100 from July to December) for U.S. purchases with Dell. Terms apply.

Brex Corporate Card for Startups: Best for startups

If your small business can more accurately be classified as a startup, it might be time to consider a corporate card. These cards are designed for businesses that are pulling in significant revenue, and they come with credit limits to match. The Brex Corporate Card for Startups offers credit limits 10-20x higher than traditional small business cards, and it’s only available to startups that have a minimum $100,000 bank balance.

If that sounds like your small business, here’s what the Brex Corporate Card has to offer:

  • 7 points per dollar on ride-shares, 4 points per dollar on travel, 3 points per dollar on restaurants and 2 points per dollar on software subscriptions
  • 1 point per dollar on all other purchases
  • 30,000 in Brex rewards points upon sign-up
  • Waived card fees for life (equal to $300+ value)
  • Miles transfer program to six airlines (Singapore Airlines, Qantas, Air France and more) and their loyalty programs
  • Sign-up offers and credits for popular business tools and services (AWS, Google Ads, Salesforce and more) worth over $50,000 in value

Plus, you’ll get access to startup-friendly tools like automated receipt capture, expense matching and reconciliation and built-in integrations with QuickBooks, Xero and more. You can instantly add new employees and issue them virtual cards, enabling everyone on your growing team to help you grow your business.

Why get a high limit business card?

If you’re running a small business, you need a top business credit card. Getting a high limit business credit card can give you the flexibility to make business purchases when you need to, instead of waiting for cash to arrive in your bank account. This, in turn, will help you make smart spending decisions, take advantage of discounts, invest in your business’s growth and use the power of credit to help you achieve your small-business dreams.

See related: How to check a small business’s credit report and credit score

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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Credit Card Rate Report Updated: September 23rd, 2020
Business
13.91%
Airline
15.48%
Cash Back
15.94%
Reward
15.78%
Student
16.12%

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