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Best high-limit business credit cards

Small business owner in her store
G-Stock Studio / Shutterstock
Small business owner in her store
G-Stock Studio / Shutterstock
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Signing up for one of the best business credit cards can be a smart move, especially if your business has a lot of monthly expenses. After all, high-limit business credit cards can help you earn a considerable amount of rewards on all of your spending and make it easier to keep your business expenses separate for tax purposes.

Plus, some business credit cards come with perks that make running a company easier — benefits like free employee cards, extended warranties and purchase protection. Surprisingly, some of the best high-limit business credit cards even include a 0 percent intro APR on purchases for a limited time, which makes it possible to pay down large purchases over time interest-free.

Best high-limit business credit cards

The key to finding the best business credit card for your needs is figuring out which perks you want the most, as well as the type of rewards you hope to earn. To help you choose the right card for your needs, we put together a list of the best high-limit business credit cards on the market today.

Ink Business Preferred Credit Card: Best for flexible rewards

The Ink Business Preferred® Credit Card, which includes a $95 annual fee, is an excellent option for business owners who want a high limit and the ability to earn flexible rewards points. This card starts you off with 100,000 bonus points when you spend $15,000 within three months of account opening, which is worth $1,250 in travel through Chase Ultimate Rewards. You’ll also earn 3X points on up to $150,000 in purchases per year in select categories — including travel; shipping purchases; internet, cable and phone services; and advertising purchases made directly with social media and search engines — then 1X points in those categories. You’ll earn 1X points on all other purchases.

The rewards you’ll earn with this card are flexible. You can redeem them through the Chase Ultimate Rewards portal for 25 percent more value added to your points or else for transfers to Chase airline and hotel partners, cash back, gift cards or merchandise. Major benefits include trip cancellation and interruption insurance, an auto rental collision damage waiver, extended warranty protection, purchase protection, cellphone protection, free employee cards and more.

Ink Business Cash Credit Card: Best for bonus categories

If your business spends a lot in specific business-related categories, you may want to look into a card that rewards you where you spend the most, like the Ink Business Cash® Credit Card. You can earn 5 percent cash back at office supply stores and on internet, cable and phone services (on up to $25,000 in combined purchases each year, then 1 percent cash back). You can also earn 2 percent cash back at gas stations and restaurants (on up to $25,000 in combined purchases each year, then 1 percent cash back) and 1 percent back on all other purchases.

This card doesn’t charge an annual fee, and you’ll also get the chance to earn $750 in cash back when you spend $7,500 on your card within three months of account opening. Major benefits you can look forward to include primary auto rental insurance coverage when you rent a car for business purposes, purchase protection, extended warranty coverage, free employee cards and more. You’ll even get an intro 0 percent APR on purchases for 12 months, followed by a variable APR of 14.74 percent to 20.74 percent.

Capital One Spark Cash Plus: Best for flat-rate cash back

The Capital One Spark Cash Plus — also known as the Capital One Spark 2% Cash Plus — keeps things simple by offering a flat 2 percent cash back on all purchases. You’ll also earn 5 percent cash back on hotels and rental cars booked through Capital One Travel. Note that this card includes a $150 annual fee.

When you sign up, you’ll also get the chance to earn up to a $1,000 welcome bonus — $500 if you spend $5,000 in the first three months and $500 more if you spend $50,000 in the first six months. Some card benefits include an annual $200 cash bonus after spending at least $200,000 each year, 24/7 travel and emergency assistance, roadside assistance, complimentary concierge services, free employee cards and more.

The Blue Business Plus Credit Card from American Express: Best for earning Amex points

If you want a high-limit business credit card with no annual fee that earns American Express Membership Rewards points, consider The Blue Business® Plus Credit Card from American Express. With the American Express Membership Rewards program, you can use your rewards for gift cards, merchandise, travel through American Express Travel or transfers to American Express airline and hotel partners.

With this card, you’ll earn 2X points on up to $50,000 in purchases each year (then 1X points) and unlimited 2X points on prepaid rental cars booked through American Express Travel. This card also comes with an intro 0 percent APR on purchases for 12 months, followed by a variable APR of 15.49 percent to 23.49 percent. Other benefits include secondary car rental loss and damage insurance, employee cards with custom spending limits, purchase protection and an expanded buying power feature, which allows you to spend beyond your credit limit (if approved).

The Business Platinum Card from American Express: Best for premium travel perks

On the premium end of high-limit business credit cards is The Business Platinum Card® from American Express, which comes with a $695 annual fee. This card is a great option for business owners who spend a lot on both office supplies and travel. With this card, you’ll earn 5X points on flights and prepaid hotels booked with American Express Travel; 2X points on prepaid rental cars booked through American Express Travel; 1.5X points on select purchases of $5,000 or more (on up to $2,000,000 per calendar year), including electronics goods and associated retailers, software, cloud service providers, construction materials and hardware supplies, and shipping providers; and 1X points on all other purchases.

This card also includes one of the best welcome bonuses available for a business card — you can earn 120,000 points after spending $15,000 within the first three months of card membership. Cardholder benefits include airport lounge access; up to a $400 statement credit on Dell purchases (up to $200 semi-annually); up to a $360 statement credit on Indeed hiring and recruiting services (up to $90 per quarter); up to a $150 statement credit on select Adobe purchases; up to a $189 statement credit for Clear; up to a $100 statement credit for Global Entry or TSA PreCheck; and much more.

Qualifying for a high-limit business card

Business credit card limits will vary based on your eligibility, meaning you could get a higher (or lower) limit depending on your creditworthiness. Just keep in mind that your personal credit score will be considered when you apply for a business credit card, and that very good or excellent credit scores (FICO scores of 740 or higher) provide the best chances of approval.

As you prepare for your application, you should also know that you can apply for a business credit card with an Employer Identification Number (EIN) or your Social Security number. Applicants who do not have an EIN typically opt to apply for a business credit card as a sole proprietor using their Social Security numbers instead.

Which high-limit credit card is right for you?

As you compare credit cards with high limits, you’ll want to take some time deciding which factors are most important to you. Here are a few of the main considerations you should keep in mind before you apply for a card.

Compare rewards programs

The business card you’re considering should offer the type of rewards you want to earn. This could include cash back, airline miles, hotel rewards points or flexible points you can redeem in more than one way. Make sure you compare rewards programs for the top cards on your list so you know you’ll choose a card with rewards you can use.

Consider interest rates and fees

Also, take a look at interest rates and fees. If you plan to carry a balance, consider cards that offer a 0 percent APR on purchases for a limited time. You’ll also want to look at annual fees, keeping in mind that business credit cards with the best perks and rewards rates tend to charge higher fees each year.

Look closely at cardholder benefits

Finally, decide which cardholder perks you want the most. You may really need free employee cards for your workers, or perhaps you travel often and want travel insurance, primary rental car coverage or luxury travel perks.

If your business spends a lot of money on equipment, you may also want to look for a card that offers purchase protection against damage or theft and extended warranty coverage on items that already come with a manufacturer’s warranty.

How to get the most out of a high-limit credit card

To get the most out of your business credit card, keep the following tips in mind:

  • Use your business credit card for all your business-related expenses so you can earn more rewards over time.
  • Make sure to meet the minimum spending requirement within the specified timeline for your card’s welcome bonus.
  • Use any expense tracking benefits your business credit card offers, whether that includes transaction reports or year-end spending summaries.
  • Pay your bill in full each month to avoid interest charges, keeping in mind that any interest you pay will easily wipe out the rewards you earn.

The bottom line

The best high-limit business credit cards help you earn rewards on your spending while keeping your business transactions separate. They may also come with valuable perks like travel insurance, free employee cards and an introductory 0 percent APR for purchases. But before you sign up for a new business credit card, make sure to compare the top options from issuers like Chase, American Express and Capital One so you can find the best card for your needs.

Written by
Holly D. Johnson
Author, Award-Winning Writer
Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more.
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Associate Editor