What Business Credit Card Gives The Highest Limit?

By Bruce Boswell •  Updated: 12/14/21 •  6 min read
Filed under: Credit Cards

Business credit cards are possibly the most important tool in a small business’s arsenal. Getting the right business card and using it wisely can be an absolute gold mine for you and your business. 

But before we get a business credit card, we might want to know which lender provides the highest limit – so that’s what we’ll examine today with this handy guide! 

What Business Credit Card Gives The Highest Limit


Lenders do not have to advertise their credit limit, so finding a credit card with the highest limit is pretty tricky. It’s better to look at what the credit card gives you overall and what the minimum credit limit is. 

American Express: Blue Business Plus Credit Card 

This credit card has a great freedom aspect to it. It gives you the power to go further. You can spend past your credit limit without any penalties, assuming you pay the minimum payment and anything else you’ve accrued past your limit. 

It offers no annual fee and two membership rewards points per buck spent on the initial $50,000 in any purchases annually and then one point per buck beyond. It has a 0% introductory APR for one year from the day you open the account for purchases, which hikes to around 14% after this. 

The Basics Of The Card

Ink Business Preferred Credit Card 

The Ink Business Preferred credit card offers the customer a huge sign up offer and compliments this with extra business rewards for certain spending areas. If you use your business reward points for travel (which is booked through Chase), you can get 25% more or you can decide to use the hotel or other travel partners. 

On the first $150,000 spent by the business on travel and other specific areas of spending, you’ll earn 3 points on the dollar and then 1 point per dollar spent thereafter. The credit card is protected with fraud watch and real-time monitoring of fraudulent activity – you’ll get notifications and contact if the card is being used unusually. 

The business (and you) will not be held responsible for fraudulent activity on the card with its zero liability factor. What’s more – with its purchase protection, your purchases will be protected for 120 days for theft and damage. This is up to a $10,000 claim and $50,000 per business account. 

The Basics Of The Card 

American Express: The Business Platinum Credit Card 

American Express offers here a high limit business credit card with no spending limit – perfect for a business that thinks the sky’s the limit. For many charges, you can carry the balance over – but not all of them. 

If your business is travel heavy – this is a great card to own. It offers 5 points to the dollar on hotels and flights if they’re paid for through amextravel.com. You’ll also benefit from $200 per year off the costs of your flights and the potential for 35% added membership points, if you use the Membership pay with points. Additionally, why not benefit from lounge access at the airport through Amex’s Global Collection. 

It isn’t cheap to have these perks though, unfortunately with a $595-695 fee payable per year. 

The Basics Of The Card 

Capital One: Spark Cash Plus 

This card is the ideal choice for businesses with expenses that don’t necessarily fall into the usual areas of bonuses for other business credit cards (normally travel or hotels). 

Instead, you’ll get a reward rate that remains high on each purchase that continues as limitless. You’ll need to remember though, it’s vital to pay off any debts each month as you cannot roll over a balance. 

Even with its annual fee, if you spend more than $7,500 in a year – the rewards cover the fee.

The Basics Of The Card 

Visa: First National Bank Business Edition 

If you’ve got the funds to start with, you can get a credit limit of $100,000 with the FNB’s business edition secured card. Of course, the amount you choose will be subject to your ability to meet repayments, along with the initial cash injection you have. 

The Basics Of The Card

The Important Things To Remember 

Not all lenders will provide their credit limit and very few will state their minimum credit limit offered. When looking for a business credit card, it’s better to compare the credit card bonuses, rewards and benefits that might suit your business (such as travel and hotels). 

It’s always worth speaking with a financial advisor before making large financial business decisions. 

If you want to know more about credit cards and businesses, don’t miss our information on Are Credit Card Fees Tax Deductible for Businesses.


Bruce BoswellBruce Boswell

Bruce Boswell

Bruce Boswell enjoys researching and writing about all things related to investing and saving money. Whenever he has a chance, Bruce loves travelling all around the world with his wife and trying new foods.