The 7 Best High Limit Credit Cards for Businesses in 2025

The Best High-Limit Credit Cards for Businesses in 2025

Pop stars and high-rollers love to brag about maxing out their credit cards. Tales of spending to their heart’s content or throwing down at the casino can make it sound glamorous—but imagine if those cards only had a $3,000 credit limit. Suddenly, the stories lose a bit of their flair. You know what’s truly impressive? Never even getting close to the ceiling on a card with a $100,000 credit limit.

Setting the cool factor aside, high-limit credit cards can reshape how a business manages its cash flow. With a credit limit increase up to $25k, $50k, or far more, your business can gain stronger purchasing power, more room to absorb large expenses, and an easier path to maintaining a healthy credit utilization ratio.

Of course, accessing these higher credit limits isn’t always simple. Issuers scrutinize your income, business revenue, banking history, FICO scores, existing debt, credit utilization ratio, and even industry risk before granting a credit limit increase. That’s why qualifying can be difficult, especially for younger businesses still building their credit history. Most credit card issuers want excellent credit (700+ FICO) and well-documented financials before you're approved for a truly high limit.

The good news: applicants do have options outside the traditional, restrictive application process. In this guide, we’ll cover some of today’s strongest high-limit credit card offerings and explore how to boost your chances of getting approved while choosing the card that fits your needs. And for companies that need spending power without the constraints of a rigorous credit check, the Slash Visa Platinum Card may be what you’ve been looking for.¹ As a charge card with no preset spending limit, it adapts dynamically to your business’s financial profile to deliver high-limit flexibility plus up to 2% cash back on spending. Continue reading to learn more.

What defines a high-limit credit card?

A high-limit credit card is generally one that offers $15k to $20k or more in available credit. Larger, well-established companies may qualify for credit lines exceeding $50k, depending on issuer requirements. Businesses with strong revenue, stable financials, low existing balances, and long-standing banking relationships tend to receive the highest limits.

Many issuers won’t grant the maximum limit to an applicant up front. Instead, credit limits often start lower and increase over time as the cardholder builds trust through responsible spending and repayment. To unlock higher tiers, you may need to request a credit limit increase directly. Each bank handles this differently, but significant increases usually require documentation such as recent bank statements, proof of business revenue, tax filings, or updated financial reports.

Some issuers may also require a personal guarantee, meaning the business owner is personally liable for repayment of outstanding balances in the case that your business cannot. This can expose you to personal financial risks and is an important factor to consider when aiming for high-limit cards. Unlike many traditional lenders, Slash does not require a personal guarantee when applying for our cards.

Beyond large credit lines, high-limit cards often come with additional features that improve purchasing flexibility and financial management:

• Balance transfers: Balance transfers enable you to consolidate existing balances onto a new card account. The best way to utilize a balance transfer is with a credit card that offers an introductory APR offer; this can let you pay down a high balance over multiple billing cycles without getting hit with high interest fees.
• Rewards programs: Usually, rewards come in two forms: cash back and points. Points-based systems often can be used with travel portals or redeemed for partner rewards. Cash back is typically more straightforward, delivering consistent value on spending. A strong cash back rewards card is one that offers up to 2% like the Slash Visa Platinum Card.
• Foreign transactions: Business credit cards can usually be used overseas, but foreign transaction (FX) and currency conversion fees often add around 3% to purchases. Some cards offer more affordable international spending, such as Slash’s 1% FX fee.
• Travel credit and booking: Many points-based cards include access to travel booking platforms where you can redeem points for flights, hotels, and rentals. These tools can unlock exclusive rates, although rebooking or itinerary changes may be less reliable because they operate as third-party systems.
• Statement credits: Some premium cards provide recurring statement credits for partner brands, software, or travel services. These credits function like built-in discounts and can help offset annual fees or recurring expenses.

Finally, charge cards can provide far more spending power than a low-limit credit card. A charge card functions differently from a traditional credit card because the balance must be paid in full at the end of each billing cycle. However, charge cards like the Slash Visa Platinum Card do not have preset spending limits and instead adjust your available purchasing power based on your business’s financial profile.

Top high-limit credit card options for 2025

Businesses have no shortage of high-limit card options, but they vary significantly in cost, rewards, and actual spending flexibility. Some cards offer limits north of $100,000, and others remove the limit altogether with dynamic spending profiles. Just keep in mind that reaching those top limits usually requires excellent credit and substantial financial paperwork, and many traditional issuers impose tighter controls than modern alternatives like Slash. Here’s how the leading cards stack up:

Slash Visa® Platinum Card

Not only can the Slash card earn up to 2% cash back; its capabilities go far beyond what legacy issuers provide. The Slash dashboard allows teams to set customizable spending controls, issue unlimited virtual cards, enforce policies in real time, and gain instant visibility into cash flow. All transaction data can be exported seamlessly into QuickBooks or analyzed directly in Slash. Most importantly, there is no preset spending limit and no traditional credit check, allowing businesses with strong financials but limited credit history to access significantly more purchasing power than they would with a traditional bank.

Card details:

• Annual fee: $0-$25/month for Pro
• APR: N/A
• Credit line range: No preset spending limit
• Credit score: N/A; approval based on company financials

Who it’s for: Businesses that want high-limit flexibility without restrictive applications, personal guarantees, or steep annual fees. Ideal for teams that value modern spend controls, automated workflows, and a financial platform designed to scale.

Chase Sapphire Reserve for BusinessSM Card

The Sapphire Reserve is Chase’s premier offering. It is the only business-accessible card with Visa Infinite status, which brings elevated concierge services, global airport lounge access, and premium travel credits. Plus, access to Chase Travel for exclusive rates and points redemption opportunities. The card can reach credit limits of $100,000 or more, but only for applicants with exceptional financials. And, the annual cost of accessing these perks is steep with the Sapphire Reserve’s $795 annual fee.

Card details:

• Annual fee: $795
• APR: 19.74%-28.24%, variable
• Credit limit range: $10,000-$100,000+
• Credit score: Excellent (700+ FICO)

Who it’s for: High-income owners with an impeccable credit report. Best suited for companies that can fully leverage premium travel perks to offset the high fee.

American Express Business Platinum Card®

The Amex Business Platinum directly competes with the Sapphire Reserve, offering lounge access, concierge services, and a long list of partner credits. However, the annual fee is even higher, and the rewards structure can be more complex. Unlike a standard credit card, this is a charge card with no preset spending limit, meaning spending capacity adjusts to your financial profile—though Amex may still conduct strict underwriting and require a personal guarantee.

Card details:

• Annual fee: $895
• APR: 17.74%-28.49%, variable (Pay Over Time)
• Credit limit range: No preset spending limit
• Credit score: Excellent (700+ FICO)

Who it’s for: High-income owners with strong credit and heavy annual travel. Users may find the high fee and complex rewards program difficult to fully capitalize on.

Capital One Venture X Business Card

The Venture X Business is a lower-cost alternative to Amex Platinum or Sapphire Reserve, but with fewer premium perks. The Capital One card is a charge card, not a credit card, that features no preset spending limit, solid travel rewards, and a more accessible annual fee. However, it lacks the extensive lounge network, elite status boosts, and premium partner ecosystem available from its higher-priced competitors.

Card details:

• Annual fee: $395
• APR: N/A
• Credit limit range: No preset spending limit
• Credit score: Excellent (700+ FICO)

Who it’s for: Businesses that want a travel-focused charge card with flexible spending but don’t require the luxury-tier benefits of an ultra-premium travel credit card.

Chase Sapphire Preferred® Card

A step below the Reserve-tier, the Chase Sapphire Preferred is a Visa Signature card with more modest rewards and lower benefit tiers. While still considered a high-limit option, its ceiling (typically up to about $25,000) is significantly lower than its Reserve counterpart or a no-preset-limit card. It’s a solid mid-tier product, but not ideal for companies that need expansive purchasing power.

Card details:

• Annual fee: $95
• APR: 19.74%-25.74%, variable
• Credit limit range: $5,000-$25,000+
• Credit score: Good/Excellent (670+ FICO)

Who it’s for: Businesses with good credit that want a lower-fee high-limit card and don’t require premium travel benefits or expansive purchasing flexibility.

Bank of America Business Advantage Travel Rewards Card

Bank of America (BofA) can be a heavily relationship-driven banking partner, meaning the highest limits and best rates often go to businesses that already store significant assets with the bank. The card offers a 0% intro APR on balance transfers, but its features are more limited, and unlocking the full $25,000 credit line may require tying multiple accounts to BofA.

Card details:

• Annual fee: $0
• APR: 16.99%-26.99%
• Credit limit range: $5,000-$25,000+
• Credit score: Good/Excellent (670+ FICO)

Who it’s for: Businesses already banking with BofA or those needing a no-annual-fee high-limit card and a balance transfer option, but who don’t require broad travel perks or dynamic spending power.

Citi Double Cash® Card

The Citi Double Cash card earns competitive cashback and can access a notably high limit for its price point, however the card lacks business-specific perks, expense controls, or travel benefits. Limits can reach $50,000 for strong applicants, although the starting limit may be far lower and the underwriting standards can be strict.

Card details:

• Annual fee: $0
• APR: 17.74%-27.74%, variable
• Credit limit range: $500-$50,000+
• Credit score: Good/Excellent (670+ FICO)

Who it’s for: Businesses with solid credit that want high cash back but do not need premium travel benefits or advanced card controls

U.S. Bank Business Leverage® Visa Signature® Card

The Business Leverage card earns 2x points on your top two monthly categories and 1x on all other purchases. While this structure looks appealing, the actual point values often lag behind flat-rate cash back. A business spending $20,000 per month would need to perfectly concentrate its spending into just two categories to approach $400 in effective value, whereas a 2% cash back card delivers that return automatically. With a typical maximum limit around $25,000, the card becomes less compelling for businesses with higher or more varied monthly spend.

Card details:

• Annual fee: $95 after first year
• APR: 18.99%-25.99%, variable
• Credit limit range: $3,000-$25,000+
• Credit score: Good/Excellent (670+ FICO)

Who it’s for: Businesses with consistent category spending patterns that prefer a points structure but don’t need modern expense controls.

How to choose the right high-limit card for your business

With so many high-limit options available, the best card for your business depends on your financial profile, spending habits, and the type of rewards or flexibility you value most. Here’s how to evaluate your options and choose a card that aligns with your operational needs:

Evaluate your credit score and financial history

In general, accessing the maximum limit on any of the cards from our list requires an excellent credit score well into the 700s and ample proof of high monthly revenue or financial backing. Traditional issuers want to see long, consistent financial histories before offering their top limits. There is one alternative: the Slash Visa Platinum Card. Our EIN-only application does not require a conventional credit check and instead looks at your business’s current financial position for approval, which can make high-limit spending accessible even for newer businesses or those still building credit.

Track your monthly spending patterns and credit utilization ratio

High-limit cards give you plenty of flexibility, but tapping into that extra room just because it’s available can create unnecessary financial strain. Aim to spend at a level your business can comfortably repay each billing cycle. If your balance stays elevated for too long, interest charges add up quickly, and late or missed payments can seriously damage your credit. If you plan to carry a rolling balance, prioritize cards with lower APRs rather than focusing solely on rewards. If you want a structure that encourages consistent repayment, consider a charge card. And if you’re trying to clean up high balances from older accounts, look for a card that offers a balance transfer paired with an introductory APR window.

Choose rewards that match your business needs

Many high-limit cards deliver their best value through travel perks or points-based systems, which often require optimized spending habits to offset steep annual fees. Premium travel cards like the Chase Sapphire Reserve or Amex Business Platinum demand significant travel volume to justify their cost, while lower-tier points cards such as U.S. Bank Business Leverage or Chase Ink Preferred often yield less effective value than straightforward cash back rewards. If you want consistent value, consider a card that can earn up to 2% cashback like the Slash Visa Platinum Card.

Determine whether you prefer a credit card or charge card

Credit cards allow you to make minimum payments and carry the remaining balance into the next billing cycle, plus APR interest. Charge cards operate differently; they require you to pay the full balance each cycle, but in return, they typically offer no preset spending limit. For businesses that need flexible, scalable purchasing power without rigid ceilings, a charge card like the Slash Visa Platinum Card can be a more adaptive choice.

Look for cards that integrate with accounting software

Many high-limit credit cards on our list can connect to accounting tools, but only through basic bank feeds or manual CSV uploads. These methods work, yet they’re slow, limited, and offer little real-time visibility. Slash takes a more modern approach: its platform includes seamless native integrations and an API that syncs transaction data instantly, automates reconciliation, and ties spending directly into your internal systems. Instead of relying on outdated bank-feed connections, Slash delivers a faster, cleaner, and more accurate financial workflow.

Making the right financial move with Slash

Most high-limit credit cards come with a catch: steep annual fees, strict credit requirements, complex reward systems, or rigid underwriting that limits how much you can actually spend. Even if you’re approved, there’s no guarantee you’ll receive the limit you need.

Slash approaches high-limit spending from a completely different angle. Instead of grading your business on a FICO score or putting you through a traditional credit check, the Slash Visa Platinum Card bases your spending power on your actual financial performance. That means no preset limit, up to 2% cashback, and room to scale without renegotiating with a bank every few months. And because the card sits inside Slash’s broader financial infrastructure, you get access to real-time controls, virtual cards, accounting integrations, global money movement, and more.

Here are some additional products and features Slash offers beyond our charge card—tools that can further improve how you send, spend, and save your funds:

• High-powered business accounts: FDIC-backing into the millions, configurable virtual accounts to separate cash flow, and up to 4.1% annualized yield on idle funds through BlackRock and Morgan Stanley money market treasury accounts.²﹐⁶
• Native crypto support: Use built-in on/off ramps for stablecoins like USDC, USDT, and USDSL. With native support for 8 different blockchains, you can send and receive USD-denominated payments through a decentralized network that avoids traditional FX and bank transfer fees.⁴
• Send funds anywhere, anytime: Send domestic and international USD wires to more than 160 countries via SWIFT, access global ACH rails, or move money near-instantly using real-time payment networks like RTP and FedNow.
• Accounting and expense management: Streamline your accounting with clean integrations into QuickBooks to accelerate reconciliation, tax prep, and reporting. Rolling out now, generate and track invoices directly from your Slash dashboard and provide cutting-edge payment options to your customers.
• Global USD Account: Non-U.S. founders can make payments in USD over standard banking rails or supported crypto networks from around the world, without needing a U.S.-registered LLC.³

If your business needs high-limit flexibility supported by a full financial operations platform—not just another credit card—Slash delivers a modern, scalable solution designed for businesses of all sizes. Visit slash.com today to learn more.

Frequently asked questions

Is a high-limit credit card good for a credit score?

High-limit credit cards generally help your credit score unless misused. While low-limit cards may expect you to use a healthy portion of your available balance (around 30% each month), consistent, low credit utilization is often the best practice for improving your score with a high limit product.

Is it good to have a high credit card balance?

The impact of carrying a high balance depends on how that balance was created. Large purchases that you pay off within a reasonable timeframe are generally fine. However, high balances caused by missed payments, accumulating interest, or repeated late fees can significantly hurt your credit score. Slash’s charge cards do not have a preset spending limit, which means you can’t be impacted negatively by carrying a high balance.

What if I use 100% of my credit limit?

This is what people refer to as "maxing out” a credit card. Once you hit the threshold of your credit limit, any further transactions on your card will be declined at the point of sale until you can pay down your balance. Maxing out a card can negatively impact your credit score, so if you find yourself hitting your limit regularly, contact your provider to negotiate a credit line increase.

What are the best high-limit cards for fair or bad credit?

Generally, traditional credit cards from institutional lenders do not offer high limits to individuals with anything other than excellent credit. But, some providers like Slash offer cards with no preset limit based on qualification criteria on your business’s current financial position rather than credit history; if you have limited credit but healthy business financials, you may qualify.