- Key factors to consider when choosing a business credit card
- How different types of businesses can use high-limit credit cards effectively
- The 5 best high-limit business credit cards
- At a glance: Comparing the best high-limit business credit cards
- How to get approved for a high-limit business credit card
- How to use a high-limit business credit card responsibly
- Why ambitious companies choose Ramp
- Access higher spending limits with the Ramp Business Credit Card
The best high-limit business credit cards combine purchasing power with other benefits, like rewards, perks, and expense management tools to help track and control spending.
With these factors in mind, we compiled a list of the five best options for businesses that need generous credit limits: the Ramp Business Credit Card, Chase Ink Business Premier Credit Card, Capital One Spark Cash Plus, The Business Platinum Card from American Express, and Capital One Venture X Business.
Below, we break down how high-limit business credit cards work and what sets each of these top picks apart.
Key factors to consider when choosing a business credit card
The best high-limit business credit card should match your company's spending patterns and operational needs. Consider factors like annual fees, interest rates, your monthly business expenses, and how the card’s business features integrate with your existing systems:
- Fees and interest rates: Evaluate whether the card’s benefits outweigh any potential fees. For example, the Amex Business Platinum Card has a high annual fee of $695, which may not be worth it if your business travel needs are minimal. Similarly, if you plan to carry a balance from month to month, be sure the card’s APR is favorable.
- High credit limits: Higher limits are beneficial not only because they help you cover larger and more frequent purchases, but also because they can help keep your credit utilization ratio lower. Using your business credit card responsibly will help you build business credit over time, making you more attractive to lenders and investors.
- Business spending needs: Many business credit cards offer bonus rewards for spending in certain categories. If corporate travel is one of your biggest business expenses, for example, you should strongly consider getting a business travel credit card that rewards you for spend on flights, hotels, and other T&E expenses.
- Integrations and automation: If you use other financial software, make sure the card you choose can integrate with your systems directly. For example, Ramp integrates with the most popular business accounting software and ERPs, so your transactions post in real time and automatically sync to your general ledger.
You’ll also want to consider how many of your employees will need their own card. If you’re planning to roll out a corporate card program to most or all of your employees, you should choose a high-limit card like Ramp that offers unlimited free physical and virtual cards.
How different types of businesses can use high-limit credit cards effectively
A high-limit business credit card is more than a way to make big purchases. It's a tool that helps you manage cash flow and spending in one place. But the way you use that card depends on your company's size and spending habits. Here's how to get the most from a high-limit card based on how your business works.
Small business owners
A high-limit credit card gives you flexibility to make large purchases or handle surprise expenses with less hassle. It can also help improve your credit by lowering your utilization ratio as you build a payment history.
How to use a high-limit card effectively:
- Save it for big inventory buys or one-time startup costs
- Use the higher limit to put all your spending in one place
- Take advantage of reporting tools to track purchases as you grow
- Avoid maxing out the card to keep your credit utilization healthy
Startups
Startup expenses can change fast, and a high-limit card helps you stay ahead of unpredictable costs. You can also use it to cover upfront investments in software, contractors, and marketing before revenue picks up.
How to use a high-limit card effectively:
- Fund early must-haves like SaaS tools, legal fees, or contractors
- Assign virtual cards with set budgets to different teams
- Use the card to put all your spend in one place while staying in control
- Watch burn rate and runway using built-in expense tracking
Mid-size companies
As a mid-size company, you may have spending across multiple departments or vendors. A high-limit card makes it easier to manage bigger recurring expenses while putting payments in one system.
How to use a high-limit card effectively:
- Give cards to managers or teams with custom limits and approvals
- Use real-time dashboards to track spending by department
- Automate recurring payments to go-to vendors
- Sync transactions with your accounting system to simplify reconciliation
Enterprise companies
Enterprise organizations often juggle complex workflows, large teams, and tight controls. High-limit cards can handle high-volume transactions while giving your finance team the visibility and oversight they need.
How to use a high-limit card effectively:
- Hand out cards across departments with role-based permissions and policies
- Set custom limits for different business units or projects
- Monitor high-volume spending in real time using reporting and analytics
- Integrate with ERP systems to keep financial data accurate and centralized
A high-limit business credit card only delivers value if it matches how your company spends and grows. By focusing on how your team will use the card day to day, you'll pick one that supports the way you operate now and where you're headed next.
The 5 best high-limit business credit cards
We’ve narrowed down our list to the five best business credit cards with high credit limits to help you make an informed choice:
Ramp Business Credit Card
- Credit limits up to 30 times higher than traditional credit cards
- Sales-based underwriting makes for an easier qualification process
- Advanced expense management automation and accounting integrations
- No personal credit check or personal guarantee required
- No annual fee or foreign transaction fees
- Must be a corporation, LLC, or LP to qualify
- Must have most of your operations and corporate spend in the US (though international purchases are supported with no foreign transaction fees)
Ramp is an all-in-one corporate card and financial operations platform that saves your business time and money. By providing easy-to-use cards, expense reporting, approval flows, vendor payments, and more, Ramp creates a seamless way to manage business expenses and optimize savings. Businesses that apply for Ramp get approved in fewer than 48 hours.
Key features:
- Business credit card with customizable spend controls
- Cashback rewards on purchases
- Unlimited free physical and virtual employee cards
- Advanced credit card expense management software built in
- Must have $25,000 in a business bank account to qualify
- Balance must be paid in full each month
- Businesses save an average of 5% a year across all spend
Chase Ink Business Premier Credit Card
- $1,000 bonus cashback if you spend $10,000 in your first 3 months
- No foreign transaction fees
- Elevated cashback rewards on large purchases over $5,000
- "Flex for Business" provides payment flexibility on eligible purchases
- High annual fee
- Requires significant spend to unlock welcome bonus
- Limited expense management features
- Requires full balance payments each month
- "Flex for Business" only available on specific purchases
The Chase Ink Business Premier Credit Card generally offers a minimum spending limit of $10,000, allowing for substantial business purchases. Cardholders can earn 2.5% cashback on business purchases of $5,000 or more and 2% cashback on all other business purchases, with no limit to how much cashback your business can earn.
Key features:
- Business credit card with travel and purchase protections
- Card comes with a $10,000 minimum spending limit, with the opportunity to raise it
- 2%–2.5% cashback rewards on purchases
- Free employee cards with custom spending limits
Capital One Spark Cash Plus
- Unlimited cashback rewards
- No preset spending limit
- Offers $150 statement credit to offset annual fee
- 0% interest when used as intended
- Early spending bonus
- 2.99% monthly fee on late payments
- Must spend $150,000 per year to access the $150 statement credit
- Limited spend management features
The Capital One Spark Cash Plus offers businesses flexibility with no preset spending limit—you’re not restricted by a fixed credit line, letting you make purchases as needed. Cardholders earn 2% cashback 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
- 2% cashback rewards on purchases
- Designed for larger, higher-spending businesses
- Carries a 2.99% late payment fee
The Business Platinum Card from American Express
- 5x points on flights and prepaid hotels booked via Amex Travel
- No preset spending limit
- Complimentary Marriott Bonvoy Gold Elite and Hilton Honors Gold status
- Access to airport lounges and other travel perks
- No foreign transaction fees
- “Pay Over Time” offers payment flexibility on eligible purchase
- High annual fee of $695
- Rewards program is relatively complex
- Benefits are primarily travel-focused, less so on other business expenses
- Requires full balance payment each month
The American Express Business Platinum is a charge card that requires cardholders to pay its balance in full each month. There's no fixed credit limit; instead, 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
- $695 annual fee
Capital One Venture X Business Card
- Extensive travel benefits
- No fees for international transactions
- Transferable miles to travel partners
- High annual fee
- Benefits may not justify the cost for non-travel-focused businesses
The Capital One Venture X Business card is designed for businesses with significant travel needs. It has no preset spending limit, enabling you to cover substantial travel expenses comfortably. The card earns unlimited miles on all purchases, which you can redeemed for various 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
At a glance: Comparing the best high-limit business credit cards
While every business credit card on our list offers a high credit limit, they vary quite a bit across factors like fees, APR, rewards, perks, and whether full-balance payments are required each month. Here's a summary of each card so you can compare options at a glance:
Card feature comparison
Annual Fee
$0
APR
N/A
FX Fees
$0
Rewards
Cashback
Chase Ink Business Premier Credit CardAnnual Fee
$195
APR
18.49%–26.49% variable with Flex for Business
FX Fees
$0
Rewards
Cashback
Capital One Spark Cash PlusAnnual Fee
$150
APR
N/A
FX Fees
$0
Rewards
Cashback
The Business Platinum Card from American ExpressAnnual Fee
$695
APR
18.49%–27.49% variable with Pay Over Time
FX Fees
$0
Rewards
Points
Capital One Venture X Business CardNet Savings
$395
APR
N/A
Discover Ramp's corporate card for modern finance
How to get approved for a high-limit business credit card
A 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:
- Business credit history: A track record of on-time payments and responsible credit use is crucial when credit card issuers assess your application. With a brand-new business or bad personal credit, it’ll be difficult to get approved for higher limits.
- 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. However, it’s possible to get some business credit cards using your Employer Identification Number (EIN) only.
- Business revenue: Consistent and substantial revenue, along with profitability and minimal debt, demonstrates that your business can handle a higher credit limit.
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 you’re using your business credit card the right way:
Keep spending in check
Having a high credit limit doesn’t necessarily mean you should use it all. 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 negatively impact your credit score. Moreover, keeping your balance low and manageable will make it easier to pay your 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 slow periods 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.
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 multiple business credit cards, 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 allows you 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 expense 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.
Why ambitious companies choose Ramp
Growing businesses choose Ramp because it combines a high-limit business credit card with an all-in-one financial operations platform that includes expense management, accounts payable, and accounting automation features. Businesses get access to spending limits up to 30x higher than traditional business credit cards—up to $100,000 or more for some companies.
Ramp pairs unlimited physical and virtual employee cards with customizable spend controls, which means you can scale your corporate card program as quickly as you need without having to worry about overspending or expense fraud. Upload your expense policy and set spend limits at the employee, card, or vendor level to prevent out-of-policy spend before it happens.
When Rarebreed Veterinary Partners was looking to expand into new locations, they realized their existing business credit card was a barrier to growth. “We had a $30,000 monthly limit for a $40M revenue business, and that often led to significant administrative hurdles and frustrations,” said Eric Chabot, Rarebreed’s VP of Accounting and Controller.
After qualifying for Ramp’s high-limit business credit card, Rarebreed got access to the spending power they needed to grow from seven locations and $2.4M in revenue to 120+ locations and $300M revenue within four years. Their finance team’s efficiency improved, too: The team’s expense reimbursement process went from 2.5 weeks to just three days with Ramp.
Ramp is more than a corporate card. More than 30,000 businesses like Rarebreed, from family farms to space startups, have saved $2 billion and 20 million hours with Ramp’s modern finance platform. For ambitious businesses looking for a card that offers more than just spending power, Ramp is the clear winner.
Access higher spending limits with the Ramp Business Credit Card
The Ramp Business Credit Card offers spending limits up to 30x higher than our competitors because we use factors like cash on hand and sales data to determine spending limits rather than looking at your credit score.
On top of unmatched purchasing power, here’s what else you can expect from Ramp:
- Sales-based underwriting: You don’t have to have a business credit history to get Ramp. Take advantage of Ramp’s sales-based underwriting for easier approvals.
- Spend management tools: Ramp comes with tools to track business expenses and optimize spending, helping you save time and money
- 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
Even with higher spending limits, businesses that use Ramp save an average of 5% a year across all spending. Try an interactive demo and learn more about why Ramp is the best high-limit business credit card.
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