Best Business Credit Cards with HighLimits

If you’re looking for the best high-limit business credit cards for 2023, you’ve come to the right place. In this article, we’ll explore the top options available in the market and what makes them stand out. Whether you’re looking for flexible rewards, cash back, or premium travel perks, there’s a card that can meet your business needs and goals.Here are the best high-limit business credit cards for 2023:

Ink Business Preferred® Credit Card

If you’re looking for a credit card that provides flexible rewards and high-limit potential, the Ink Business Preferred® Credit Card is an excellent choice. With a generous sign-up bonus, cardholders can earn valuable Ultimate Rewards points by utilizing the card for various business expenses. According to The Points Guy, users can transfer these points to 11 airline partners and three hotel partners or redeem them directly for travel at a rate of 1.25 cents per point through the convenient Chase Ultimate Rewards portal. The card also offers a substantial 3 points per dollar on the first $150,000 spent on combined purchases for travel, shipping, internet, cable, phone services, and advertising purchases made through social media and search engines annually.

Ink Business Cash® Credit Card

For businesses that spend heavily in specific categories, the Ink Business Cash® Credit Card is worth considering. According to The Points Guy, this card offers 5% cash back on the first $25,000 you make in combined purchases each account anniversary year at office supply stores and on internet, cable, and phone services. Additionally, you’ll earn 2% cash back on the first $25,000 you make in combined purchases at gas stations and restaurants each account anniversary year. All other purchases, including spending over $25,000 each account anniversary year in the 5% and 2% categories, earn 1% cash back. Plus, with the ability to transfer and combine rewards, the Ink Business Cash Card provides a broader range of redemption options compared to traditional cash-back cards.

Capital One Spark Cash Plus

If you prefer a flat-rate cash-back option, the Capital One Spark Cash Plus is a suitable choice. With no limits on cash-back rewards, the card offers a solid 2% cash back on all purchases. According to The Points Guy, this means that the more you spend, the more cash back you’ll accumulate, allowing you to maximize your rewards potential. Whether you’re purchasing office supplies or hosting business dinners, every transaction will contribute to your cash-back earnings. Additionally, the Spark Cash Plus is a charge card, which means there’s no preset spending limit.

The Blue Business® Plus Credit Card from American Express

Ideal for new business owners who are conscious of their expenses, The Blue Business® Plus Credit Card from American Express offers credit card rewards without adding to financial burden. According to The Points Guy, this card has no annual fee and provides a straightforward rewards structure of 2 points per dollar on the first $50,000 spent per calendar year, followed by 1 point per dollar. Cardholders also gain access to the valuable Membership Rewards program, offering various redemption options such as travel, statement credits, and more. The Amex Blue Business Plus allows you to benefit from rewards while keeping costs in check, making it a valuable option for new business owners.

The Business Platinum Card® from American Express

For business owners who value premium travel perks, The Business Platinum Card® from American Express is an excellent choice. According to The Points Guy, this card stands out with its substantial welcome bonus and an abundance of valuable perks exclusively available to cardmembers. Fully utilizing these perks may require some effort, but the potential savings can be significant, ranging from hundreds to even thousands of dollars per year. Additionally, cardholders earn 1.5 points per dollar on up to $2 million in eligible purchases in the U.S. per calendar year in various categories such as electronic goods retailers, software, cloud service providers, construction materials and hardware supplies, shipping providers, and purchases of $5,000 or more.

Capital One Venture X Business card

The Capital One Venture X Business card provides similar perks to its popular personal counterpart at a reasonable annual fee. With a straightforward earning structure of at least 2 miles per dollar spent on all purchases, this card is an excellent choice for small-business owners who appreciate simplicity. Additionally, cardholders enjoy generous airport lounge access, annual credits, and the option to add a limited number of authorized users for no additional fee. New applicants can earn 150,000 bonus miles after spending $30,000 in the first three months from account opening.

American Express® Business Gold Card

For business owners seeking to optimize their earnings from a single card, the American Express® Business Gold Card is a great option. The card offers 4 points per dollar in two bonus categories that adjust monthly based on your highest spending areas (up to a combined $150,000 in purchases per year). New applicants for the Amex Business Gold can earn 70,000 bonus points after they spend $10,000 on eligible purchases in the first three months of card membership. Cardholders also enjoy up to $240 back annually ($20 back per month) for eligible U.S. purchases at FedEx, Grubhub, and office supply stores, as well as up to $155 back annually for a monthly Walmart+ membership (subject to auto-renewal).

Ink Business Premier℠ Credit Card

Designed for business owners aiming to earn cash-back rewards on their everyday expenses, the Ink Business Premier Credit Card offers competitive earning rates. According to The Points Guy, although the card earns Ultimate Rewards points, these points are mainly intended for cash back purposes and redemptions such as gift cards and travel through the Chase Ultimate Rewards portal. They are typically valued at 1 cent per point. Unlike certain other Chase cards that allow for the transfer of earned points to different Chase accounts, the points accumulated with the Chase Ink Business Premier cannot be converted into fully transferable Ultimate Rewards points. However, it can still provide value for some cardholders looking for cash back.

When choosing the best high-limit business credit card for your needs, it’s essential to compare the rewards programs, interest rates, fees, and cardholder benefits. Consider the perks that align with your business priorities and the type of rewards you want to earn. Remember that your exact credit limit will depend on your credit history and credit score. To maximize the benefits of your business credit card, use it for all business-related expenses, meet the minimum spending requirement for the welcome bonus, take advantage of expense-tracking benefits, and pay your bill in full each month to avoid interest charges.

Below are the links for applying for any of these cards:

Ink Business Cash Credit Card on Chase