The best high-limit business credit cards for small businesses in February 2025

Business credit cards are a great way to separate your business and personal finances as a small business. These credit cards typically come with higher spending limits than personal cards, and the best options offer tools to help you build your business.

The best business credit cards with high limits are:

• Ramp Business Credit Card
• Chase Ink Business Premier Credit Card
• Chase Ink Business Preferred Credit Card
• Capital One Spark 2% Cash Plus
• American Express Business Platinum Card
• Business Edition® Secured Mastercard® Credit Card
• Capital One Venture X Rewards Credit Card for Business

‍

In this article, we cover everything you should know about high-limit credit cards and look closer at our picks for the best high-limit business credit cards on the market today.

The 6 best high-limit business credit cards

We’ve narrowed down our list to the six best business credit cards with high credit limits to help you make an informed choice.

‍

‍

Ramp is an all-in-one corporate card and expense management platform designed to simplify your company’s financial operations. By providing easy-to-use cards, spend limits, approval flows, vendor payments, and more, Ramp creates a seamless way to manage expenses and optimize savings and have access to no preset spending limits.

‍

Key features:

• Business credit card with customizable spending controls
• Cashback rewards on purchases
• Unlimited free physical and virtual employee cards
• Must have $50,000 in a business bank account to qualify
• Balance must be paid in full each month

‍

‍

The Chase Ink Business Premier Credit Card offers a high spending limit that allows for substantial business purchases. It starts with a $10,000 minimum credit limit. Cardholders earn 2.5% cash back on business purchases of $5,000 or more, and 2% cash back on all other business purchases. There are no limits to how much cash back your business can earn.

‍

Key features:

• Business credit card with travel and purchase protections
• Card comes with a $10,000 minimum credit limit, with the opportunity to raise it
• 2%–2.5% cashback rewards on purchases
• Free employee cards with custom spending limits

‍

‍

The Chase Ink Business Preferred Credit Card’s lack of preset spending limit provides flexibility for larger business expenses. The card earns 3X points on the first $150,000 spent in combined purchases in the following categories: travel, shipping, internet, cable, phone services, and advertising.

‍

Key features:

• Card comes with $5,000 minimum credit limit
• Points-based rewards with flexible redemption options, including cashback
• Offers 3x points on purchases in eligible spending categories like shipping, advertising, internet services, and travel bookings‍

‍

‍

The Capital One Spark Cash Plus is a business credit card that offers flexibility with no preset spending limit; you’re not restricted by a fixed credit line and can make purchases as needed. Cardholders earn 2% cash back on all business purchases, with no caps or limits, and an additional 5% back on hotel and rental car bookings through Capital One Travel.

‍

Key features:

• Business charge card that requires full monthly balance payments
• Designed for larger, higher-spending businesses
• Carrying a balance incurs a 2.99% fee
• 2% cashback rewards on purchases

‍

‍

The American Express Business Gold Card, as a charge card, requires cardholders to pay its balance in full each month. While there's no fixed credit limit, American Express evaluates your spending capacity based on factors like your past spending patterns, payment history, and overall creditworthiness.

‍

Key features:

• Travel rewards credit card focused on international travel
• Provides 5x Membership Rewards on flights and prepaid hotels booked through American Express Travel
• Additional rewards on eligible purchases
• The card comes with a $695 annual fee and a signup bonus

‍

‍

The Business Edition® Secured Mastercard® Credit Card is designed for businesses with limited or poor credit history. While it requires a security deposit to establish a credit limit, this card often offers a relatively high initial credit limit compared to traditional secured cards. This allows businesses to make necessary purchases and gradually build a strong business credit profile through responsible credit card use.

‍

Key features:

• Secured credit card that requires a security deposit, which becomes the account’s line of credit
• You can choose your own credit limit
• Offers interest on your security deposit
• Designed to help build business credit through responsible use

Capital One Venture X Rewards Credit Card for Business

‍

The Capital One Venture X Rewards Credit Card for Business is designed for businesses with significant travel needs. It offers a high credit limit, enabling businesses to comfortably cover substantial travel expenses. The card earns unlimited miles on all purchases, which can be redeemed for a variety of travel rewards, including flights, hotels, and car rentals.

‍

Key features:

• Earn unlimited miles on all purchases, providing flexibility in travel rewards redemption.
• Earn 10x miles on hotels and rental cars, and 5x miles on flights booked through Capital One Travel.
• Includes premium travel perks like lounge access and an annual travel credit

Summary of the best high-limit business credit cards

‍

Do business credit cards have higher limits?

Business credit card limits are usually higher than personal credit card limits simply because a business spends more than an individual.

‍

When determining the credit limit for a business credit card, card issuers assess a business's creditworthiness based on its revenue, credit history, and financial stability. If your business has a good credit history or is generating a lot of monthly revenue, you may qualify for a higher credit limit.

‍

Some business cards come with preset spending limits you can customize for different vendors and categories. So, cardholders can spend more on eligible purchases within certain spending categories, like office supplies or car rentals, up to the predetermined limit. If your monthly business expenses increase, you may be eligible for a limit increase.

‍

How to get approved for a high-limit business credit card

A strong business credit score, substantial revenue, and a low debt-to-income ratio will get you a higher limit on business credit cards. Issuers set each applicant’s credit limit based on their overall creditworthiness, weighing factors like personal credit, business income, and debt:

‍

1. Business credit history: A track record of on-time payments and responsible credit use is a crucial factor when credit card issuers assess your ability to manage credit. With a brand-new business or bad credit, it’ll be difficult to get approved for higher limits.
2. Personal credit score: Even for business credit cards, providers usually consider your personal credit score, especially if you provide a personal guarantee. Excellent credit and minimal debt will enhance your business’s creditworthiness.
3. Business revenue: Consistent and substantial revenue, along with profitability and minimal debt, demonstrates that your business can handle a higher credit limit.

‍

How to build business credit with business credit cards

If you haven’t established any business credit, opening a business credit card can help. Once you’ve done so, the credit card company will begin reporting your activity to business credit bureaus. Over time, making on-time payments and maintaining a low credit utilization ratio will help you qualify for a higher limit.

‍

You can also build your business credit by doing the following:

‍

1. Offer a personal guarantee: Many lenders may require you to make a personal guarantee, which means if your business can’t pay its bills, you’ll personally pay the business’s credit card debt.
2. Take advantage of sales-based underwriting: Ramp offers sales-based underwriting, so as long as your company generates meaningful revenue, you’ll likely be approved for an account.
3. Open a secured credit card: With a secured business credit card, you’ll place a security deposit with the lender that becomes your credit limit. As long as you use your card responsibly, you’ll get your security deposit back in a predetermined time frame.

‍

Getting your credit card is the first step. Next, it’s important to use it responsibly. Follow the tips in the section below to use your new credit card to build your credit score.

‍

Discover Ramp's corporate card for modern finance

Learn more

How to use a high-limit business credit card responsibly

High-limit business credit cards are effective financial tools to help you build your business, but if misused, they can harm your growth. Follow the four best practices below to ensure your credit card helps your business succeed.

Keep spending in check

Having a high credit limit doesn’t mean you should use it. In fact, it’s best practice for both personal and business credit cards to keep your spending below 30% of your credit limit. Going above this threshold may have a negative impact on your credit score. Moreover, keeping your balance low and manageable will make it easier to pay the bill on time.

‍

Beyond helping your credit score, limiting spending also ensures your business remains financially flexible. Large balances can restrict your ability to make unexpected purchases or investments. By maintaining a conservative approach to spending, you can navigate economic downturns or seize new business opportunities without the added pressure of high credit card debt.

Pay more than the minimum

Minimum payments typically only cover interest and a very small percentage of your balance. When you make minimum payments, you can expect to be in debt for a long time—and pay substantial interest in the process. Instead, try to pay off your credit card in full each month to avoid interest entirely. If you can’t pay it off each month, always make more than your minimum payment to keep debt, and the interest that comes with it, at bay.

‍

Making larger payments also allows you to pay off your balance faster, which can help free up your credit limit for future use. This way, your credit card remains a tool to support your business operations, rather than a burden. It also puts you in a better financial position to manage cash flow, particularly during periods of growth or expansion.

Understand how payments are applied

If you have more than one business credit card, minimum payments are applied to the lowest-interest balance first. When you make higher-than-minimum payments, the excess is applied to your highest-interest balance first. This is another reason why it’s important to pay more than the minimum whenever possible.

‍

Knowing how payments are applied also gives you the ability to prioritize repayment strategies. For example, focusing on high-interest balances first will save your business money over time. This tactic, combined with regular reviews of your statements, can help you stay proactive in managing your debt and improving your overall financial health.

Stay in the know

Check your monthly statement regularly to keep tabs on your debt load. Also, read every transaction to catch any potential fraud early. Reading over every transaction also gives you information about your spending habits that can help you better manage your business.

‍

Consistently reviewing your account activity can also help you identify patterns that might signal unnecessary expenses. Recognizing these trends early allows you to adjust spending and allocate resources more effectively, ensuring your business stays on track to meet its financial goals.

‍

Access higher credit limits with the Ramp business credit card

Ramp is a business credit card and expense management platform that offers credit limits up to 30 times higher than our competitors. That’s because we use factors like cash on hand and sales data to determine spending limits rather than looking at your credit score.

‍

Here are a few features you can expect from Ramp:

‍

• Sales-based underwriting: You don’t have to have a business credit history to get Ramp. Take advantage of sales-based underwriting for easier approvals.
• High credit limits: Ramp offers credit limits that are up to 30 times higher than traditional business credit cards.

• Spend management tools: Ramp comes with tools to track business expenses and optimize spending, ultimately helping you grow your business.
• Unlimited physical and virtual cards: Give your employees spending power with unique rules and limits, alleviating the need for costly and time-consuming expense reimbursement programs.