“Understand that you do need money for growth,” is a reminder from serial ecommerce entrepreneur Nick Shackelford. And sometimes, that’s a lot of money—whether you’re stocking up on inventory for a Black Friday sale or trying to generate demand with a big Google Ads campaign.
That’s where high-limit credit cards can help. When you need more than a few thousand euros to cover necessary business expenses, these provide more capital than a traditional credit card.
In this article, you’ll learn:
%2520(7).png)
*The information about all the cards discussed in this article was collected between 19 March 2024 and 21 March 2024. This article was written and approved by Juni and is intended as marketing material.
High-limit credit cards allow users to make large purchases and spend bigger sums of money (up to hundreds of thousands of euros), a characteristic that sets them apart from standard credit cards. These specialised cards don't have a one-size-fits-all limit, and some don’t have upper spending limits at all.
Typically, the credit limits of these cards start where the average credit card peaks, often at €10,000 or more. These limits can extend into several hundred thousand (or even a million) euros based on the cardholder's credit profile, annual income or revenue and financial qualifications.
Note that these limits aren’t static—they can adjust over time with the cardholder's financial behaviour, business growth and ongoing relationship with the issuer.
High-limit credit cards operate similarly to standard credit cards but with a higher credit ceiling, giving users greater spending power and flexibility. These cards often come with premium benefits, including rewards programs, travel perks and enhanced customer service.
Users have to maintain an excellent credit score and consistent history of repayment to qualify and keep the high limit. Regular use, timely payments and financial stability will help you sustain this type of card's high limit and enjoy all the benefits it comes with.
.png)
The credit card application process varies by credit card provider, but it’s similar to applying for a normal credit card.
When applying for high-limit cards, issuers carefully assess a company's revenue, credit report and financial stability before assigning a high credit limit. They do so to ensure the business will be capable of managing and repaying higher amounts of debt.
So if you want to be able to access a high-limit business credit card, be sure to maintain a low debt-to-revenue ratio and always pay off your balance on time. Alternatively, you can request a credit limit increase on your existing card if you’re not ready or able to obtain a high-limit card from the offset.
.png)
Capital on Tap offers credit limits of up to £250,000 with interest rates as low as 15.5% APR (variable). The card also gives you access to 1% uncapped cashback on all card purchases.
You get unlimited free company cards to assign to employees or departments, and you have the ability to set custom limits on these cards to control spend. With Capital on Tap’s expense tracking dashboard, which auto-syncs with popular accounting software, you can track card usage in real time and get better visibility over where your money is going.
Payhawk’s corporate Visa cards come with limits of up to £500k, €500K or $1M, based on your company’s profile and qualifications. You get both physical and virtual cards that can be used in 32 countries and can be added to Google Wallet or Apple Pay.
You can set specifications and spend controls for each card, like monthly, daily and single transaction limits and cards that work only with specific vendors. Plus, you can use Payhawk’s built-in expenses management software, where all card payments are automatically reflected, to track company spend and create budgets.
Eurocard’s corporate card comes with no set maximum amount—that means a flexible upper limit to accommodate your spending needs. The rewards credit card also comes with a number of travel benefits, like access to a concierge service, travel insurance and, in the case of the Platinum Card, VIP airport lounges.
You can access all your financial information, like available credit and current balance, on the Eurocard app, where you can also photograph and store physical receipts. And on the Eurocard portal, you can see an up-to-date list of transactions and set purchase limits to control company spend.
High-limit credit cards are certainly a good way to get access to lots of capital, but they’re not the only way.
Juni, for example, offers Capital for cards, giving you access to flexible business credit lines to invest in what your business needs to grow, whether that’s inventory, campaigns or development.
You can obtain interest-free financing from 10K with 37 days to repay and up to 60 days available.* The Juni World Commercial Mastercard helps you extend your runway when you don’t have the capital you need on hand.
The platform also offers financing on media and inventory invoices, giving you the option to settle your invoices while having up to four months to pay. “The unique thing about Juni’s invoice financing is that it’s actually made for the way our business works,” says Nick Shackelford. “And if you’ve been here long enough, a lot of the traditional banks, a lot of the traditional cards, don’t get it.”
According to him, traditional cards “don’t know why we need 120 days to pay off ads, freelancers or even inventory. So when you have a team that understands how this works, you don’t have to explain—you can just get on with business.”
Juni lets you create multiple cards in USD, SEK, EUR or GBP. These cards can be assigned to different employees, platforms or suppliers to gain full control over your business spend.
Whether you need to invest in new stock or generate more demand with some Facebook and Instagram ads, you need capital if you have any hopes of scaling your business. That’s why when looking for a new credit card, high-limit options are an interesting option for growing brands.
Just be sure to spend responsibly with these cards, and don’t misuse their high upper limits—while some debt may be necessary for growth, accruing interest can quickly start to cut into your profit margins.
And remember, a credit card isn’t the only way to access financing for your business. You can access capital for cards and invoices with Juni , helping you free up your cash flow and invest in growth. Get started with Juni today.
*Juni Capital for cards is available for companies registered in UK, NL, SE, DE, FR, ES, IT, NO and FI, upon eligibility. Juni Capital for invoices is available for companies registered in NL, SE, DE, FR, ES, IT, FI and NO, upon eligibility. Fees and terms and conditions apply. Click here for more details.
A high-limit credit card offers a significantly larger line of credit compared to standard credit cards, allowing businesses greater spending power and flexibility. These cards are typically granted to companies with strong credit histories and high revenue, reflecting their ability to manage larger debts responsibly.
The maximum limit of a credit card can vary widely depending on the card issuer, the applicant's creditworthiness and their financial background. For high-limit credit cards, especially those designed for businesses, limits can reach well into the tens or even hundreds of thousands of euros, providing substantial financial leverage for large-scale transactions.
Juni is not a bank – yet. We’re a financial technology company providing e-money services and as such are not part of a deposit guarantee scheme. Learn more about our license and how we keep your business and money safe.
Juni Technology AB (company number 559248-0908) is licensed and registered as an electronic money institution with the Swedish Financial Supervisory Authority (Sw. Finansinspektionen) (license no: 64025). Payment Card Solutions (UK) Limited (company number 05941947) and UAB B4B Payments Europe (company number 305539054) are regulated by the Financial Conduct Authority (ref: 930619) and the Bank of Lithuania (licence no: 76), respectively. The Juni Mastercard Corporate Card is issued by Payment Card Solutions (UK) Limited and UAB B4B Payments Europe pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Juni Technology AB. Masthamnsgatan 21, 413 28 Göteborg, Sweden. © 2025 Juni. All Rights Reserved.
