Best high-limit business credit cards of July 2024

Why this card made the list

The Chase Ink Business Cash® Credit Card not only provides the potential for a high credit limit, it also comes packed with generous rewards and benefits, and charges no annual fee. Cardholders earn cash back in common business categories, plus a valuable welcome bonus of $350 after spending $3,000 on purchases in the first three months and an additional $400 after spending $6,000 on purchases in the first six months after account opening.

The card also provides a 0% intro APR on purchases for 12 months, then a variable APR of 18.49% to 24.49% applies to purchases and balance transfers. There’s a balance transfer fee of either $5 or 5% of each transfer, whichever is greater, applies. Lastly, it comes with valuable travel and purchase protections.

• Annual fee: $0.
• Rewards: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year, 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, and 1% cash back on all other purchases.
• Welcome bonus: Earn $350 after spending $3,000 on purchases in the first three months and an additional $400 after spending $6,000 on purchases in the first six months after account opening.
• Foreign transaction fees: 3% of each transaction in U.S. dollars.
• Other benefits and drawbacks: The card offers auto rental collision damage waiver (primary coverage when renting for business purposes), purchase protection and extended warranty protection. A drawback is the fee tacked on if you make any purchases while abroad.

Why this card made the list

The Ink Business Unlimited packs in a ton of travel-related protections not commonly found on a credit card with no annual fee.

• Annual fee: $0.
• Rewards: Unlimited 1.5% cash back on purchases.
• Welcome bonus: $750 cash back after spending $6,000 on purchases in the first three months of account opening.
• Foreign transaction fees: 3% of each transaction in U.S. dollars.
• Other benefits and drawbacks: The card provides primary auto rental insurance (when renting for business purposes), access to legal and medical referrals or other travel and emergency assistance, access to roadside dispatch, purchase protection and extended warranty protection. But the card’s foreign transaction fee means it’s best used for domestic travel.

Why this card made the list

If your business spending categories tend to fluctuate, you’ll appreciate the flexible earning structure provided by the American Express® Business Gold Card * The information for the American Express® Business Gold Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply). With this card, you’ll earn 4 Membership Rewards points per $1 on up to $150,000 in combined purchases each calendar year on the 2 select categories your business spends the most each month, 3 points per $1 on flights and prepaid hotels booked on amextravel.com and 1 point per $1 for other purchases.

You have the option of paying in full each month with this card or carrying a balance with the Pay Over Time feature. There’s no preset spending limit* on the Amex Business Gold Card.

• Annual fee: $375 (terms apply).
• Rewards: 4 Membership Rewards points per $1 on up to $150,000 in combined purchases each calendar year on the 2 select categories your business spends the most each month, 3 points per $1 on flights and prepaid hotels booked on amextravel.com and 1 point per $1 for other purchases.
• Welcome bonus: 70,000 Membership Rewards points after spending $10,000 on purchases in the first three months of card membership.
• Foreign transaction fees: None.
• Perks and benefits: Baggage insurance¹, trip delay insurance², car rental loss and damage insurance³, dispute resolution, extended warranty¹ and purchase protection¹.

Why this card made the list

The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) has no preset spending limit*. You can choose to either pay your card off in full or carry a balance using the Pay Over Time feature for eligible purchases.

If you’re looking for premium perks galore, few cards can compete with The Business Platinum Card from American Express. The card not only offers a generous welcome bonus, but also more than $1,500 in annual travel and business spending credits, which if taken advantage of can more than recoup the steep $695 annual fee. Plus, cardholders with the Amex Business Platinum get top-of-the-line airport lounge access as well as travel and purchase protections.

• Annual fee: $695 (terms apply).
• Rewards: 5 Membership Rewards® points per $1 on flights and prepaid hotels through American Express Travel, 1.5 points per $1 at U.S. construction material & hardware suppliers, electronic goods retailers and software and cloud system providers, shipping providers, and purchases of $5,000 or more on up to $2 million per calendar year and 1 point per $1 on other eligible purchases.
• Welcome bonus: 150,000 Membership Rewards® points after spending $20,000 on eligible purchases in the first three months of card membership.
• Foreign transaction fees: None.
• Other benefits and drawbacks: Global Lounge Collection airport lounge access, up to $400 Dell statement credit for U.S. purchases, up to $360 Indeed statement credit,up to $150 Adobe Creative Solutions statement credit, up to $120 wireless telephone statement credit on purchases from U.S. wireless telephone service providers, up to $200 airline incidental fee statement credit, $189 CLEAR® statement credit, onboard credit for Cruise Privileges Program bookings, up to $100 application fee credit for Global Entry (every four years) or TSA PreCheck (every four-and-a-half years), Marriott Bonvoy Gold Elite status, Hilton Honors Gold status, trip delay insurance², trip cancellation and interruption insurance², cell phone protection², purchase protection¹ and extended warranty¹. Enrollment is required for select benefits.

*No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

Why this card made the list

Those seeking a high-limit card will especially appreciate The Blue Business® Plus Credit Card from American Express * The information for the The Blue Business® Plus Credit Card from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. ’s Expanded Buying Power feature, which offers the ability to occasionally spend more than your card’s credit limit to accommodate a bigger-than-usual buy (note that any amount over your credit limit will be due in full as part of your required minimum monthly payment).

The no-annual-fee card offers exceptional value for business owners who want a simple rewards card that earns Membership Rewards® points.

• Annual fee: $0 (terms apply).
• Rewards: 2 Membership Rewards® points per $1 on everyday business purchases up to the first $50,000 spent per year, then 1 point per $1 on all other purchases.
• Welcome bonus: 15,000 Membership Rewards points after spending $3,000 in eligible purchases in the first three months of card membership.
• Foreign transaction fees: 2.7% of each transaction after conversion to U.S. dollars.
• Other benefits and drawbacks: Secondary car rental damage and loss insurance³, additional employee cards. Membership Rewards are flexible and can be used to book travel or transferred to travel loyalty partners for a potentially greater value. But those seeking cash-back rewards should choose another card as the rewards are worth less than 1 cent per point when redeeming for a statement credit.

Why this card made the list

The American Express Blue Business Cash™ Card * The information for the The American Express Blue Business Cash™ Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) offers Expanded Buying Power, making it a solid choice as a high-limit business card when your purchasing needs are variable. But note any amount spent over your credit limit will be due in full as part of your minimum payment.

Businesses seeking uncomplicated cash-back rewards are likely to find this card appealing.

• Annual fee: $0 (terms apply).
• Rewards: 2% cash back on all eligible purchases (automatically rewarded via statement credits), up to $50,000 per calendar year, then 1%.
• Welcome bonus: $250 statement credit after spending $3,000 in purchases in the first three months of card membership.
• Foreign transaction fees: 2.7% of each transaction after conversion to US dollars.
• Other benefits and drawbacks: Although this card made our list of high-limit business credit cards, businesses who routinely spend more than $50,000 annually may find another card to be ultimately more rewarding.