Best High Limit Business Credit Cards Of March 2024 (2024)

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On American Express's Website

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A business with significant spending can justify the annual fee and earn massive rewards through the 4x points rate on eligible purchases.

• Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
• Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
• Your Card – Your Choice. Choose from Gold or Rose Gold.
• *Terms Apply

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On Chase Bank USA, NA's Website

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On Chase Bank USA, NA's Website

Frequent business travelers who spend generously within the bonus categories will find extreme value in this card.

• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC

Business owners who want a simple, no-hassle cashback program and spend generally across categories will gain solid rewards from this card.

• Earn a $1,200 cash bonus after spending $30,000 in the first three months
• Earn unlimited 2% cash back for your business on every purchase with no limits or category restrictions
• $150 annual fee
• Free employee cards, which also earn unlimited 2% cash back on all purchases
• Get your annual fee refunded every year you spend $150,000
• Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
• No foreign transaction fees

If you don’t mind the annual fee, few other business cards offer the same bang for the buck. Packed with perks, this card is an ideal travel companion with an easy rewards structure. Those that can use the travel-focused benefits and charge enough to earn the early spend bonus will fare best.

• Earn 2 miles per dollar spent on every purchase
• Earn 5 miles per dollar on flights and 10 miles on hotels and rental cars booked through the Capital One Travel portal
• Annual $300 travel credit for bookings through Capital One Travel
• 10,000 bonus miles each year after the first membership anniversary

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On American Express's Website

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On American Express's Website

The Blue Business Plus card is a rare example of a no-annual-fee way to game your rewards earnings. You’ll earn 2X points on all purchases up to $50,000 per year. It’s a perfect fit if your business is small enough to spend less than $50,000 per year. If not, spend up to the $50,000 max, then switch to another card for the rest of the year’s purchases. You’ll win either way.

• Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
• You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
• *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
• No Annual Fee
• Terms Apply

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On American Express's Website

Partner Offer

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On American Express's Website

A business with significant spending can justify the annual fee and earn massive rewards through the 4x points rate on eligible purchases.

• Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
• Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
• Your Card – Your Choice. Choose from Gold or Rose Gold.
• *Terms Apply

If your business spends heavily on Amazon.com, AWS, or Whole Foods, this card’s 5% back is an unbeatable reward — more so with no annual fee. If short-term cash flow is an issue, you have the option to swap the 5% back for 90-day 0% APR financing on any eligible purchase. There is no 0% intro APR offer, and the standard APR is high, so this card isn’t suitable for long-term financing.

• Earn a $125 Amazon.com gift card upon approval for the card
• No annual fee
• Choose 5% back or 90 days terms on eligible U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with an eligible Prime membership
• The 5% rate applies to the first $120,000 in purchases each calendar year, 1% thereafter
• Earn 2% back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
• Earn 1% back on other purchases

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On American Express's Website

Partner Offer

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On American Express's Website

The Business Platinum Card® from American Express is the quintessential status card for high-spending, frequent-flying business owners and their employees. If sufficiently leveraged, the card’s robust benefits are well worth the high annual fee.

• Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
• 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
• $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
• $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.
• Terms Apply.

If you want a secured card for your business spending, this is one of the few options around. You’ll also earn interest on your security deposit.

• Request your credit limit between $2,000 and $100,000 (multiples of $50), when you apply. Subject to credit approval and a security deposit
• $39 annual fee
• Earn interest on your security deposit
• Free management reporting and cash flow management tools
• TurboTax and QuickBooks discounts